Our rate barometer is showing fixed mortgage rates to be decreasing short term and then slightly rising in late fall.

WHY THE JENCOR EDGEWith over 10 Billion originated in mortgages we have an edge of experience in the market when it comes to low rates and options. Here's how we win for you!

We negotiate rates with over 40 Lenders and save you an average of 0.6% on your mortgage. This translates to thousands of dollars in savings.

Mortgages are not all created equal, and we arrange the best repayment terms that provide flexibility to save you money

Jencor is ranked by our Lenders as a leading brokerage in both Volume and Efficiency, which means better service, rates and mortgage options for you.

This is what a lender says…

“Jencor is a leading brokerage firm in the industry. They focus on creating an exceptional client experience by providing great rates, efficiency and working collaboratively with the lender to get your deal done”. - Erica Fikkert – Equitable Bank

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305, 1822 10th Ave SW | Calgary, AB. T3C 0J8 Phone: 403.245.3636 | jencormortgage.com

www.jencormortgage.comAdvice Trust Service Integrity

"The Mortgage Specialist"Phone: 403.245.3636

305, 1822 10th Ave SWCalgary, AB. T3C 0J8

Jencormortgage.com

Congratulations to Michael McCafferty, our 2013 SpaBerry Refer and Win Contest Winner. ( Value $7,500)

www.thespaberry.com

The Calgary market continues to grow across all markets.

CONTEST WINNER2013 REFER & WIN

Mortgage Amount $300,000Interest Rate 3.25%

Amortization 25 Years

THREE KEY BENEFITSPrincipal Difference $7,976.87

Interest Savings Over the Term $684.42Amortization is reduced to 22.15 Years

Monthly Payment $1,458.49

Balance at the End of the Term $257,643.78

Bi-weekly Accelerated $729.25

Balance at the End of the Term $249,666.91

PRECISION HYUNDAI • 3% above invoice pricing on your new Hyundai Vehicleswww.precisionhyundai.com

HENDRIX LAW • 20% off all your legal needs www.hendrixlaw.ca

LABBE BEDDING • 15% off beds and pillowswww.labbebedding.com

NEW PREFERRED PARTNERS

THE CALGARY MARKET

TOTAL UNIT SALES AVERAGE PRICEDAYS ON MARKET

CALGARY SINGLE FAMILYCONDOCONDO TOWN HOUSE

2,484$ 484,954

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$556,498$311,063$355,617

17.79%8.5%

(22.86%)

7.34%3.22%

-0.04%

YOYMARCH 2014

2014MARKET

WHAT ARE YOU DOING WITH YOUR TAX REFUND? We have a great Lump Sum Payment Strategy. Tax Season is fast approaching and the average Canadian tax refund is approximately $1600. An excellent use of these funds would be a lump sum mortgage payment. If a client was to do so they could save significant money over the life of their mortgage. For example;

Mortgage Amount                                                    $300,000Mortgage Interest Rate                                          3.25%Pre-Payment                                                             $1,600Approx. Interest Savings Over 25 years           $1,860

HOW DO YOU MAKE YOUR MORTGAGE PAYMENTS?Many clients start their mortgage repayment on a monthly basis as they get settled into their new home. By looking at an accelerated bi-weekly repayment strategy could save you thousands.

ADVICE YOU CAN TRUST THAT WILL SAVE YOU MONEY!SPEAK TO YOUR JENCOR ADVISOR TODAY.

The First-Time Home Buyers Tax Credit offers a non-refundable tax credit for certain home buyers that acquire a qualifying home after January 27, 2009.

YOU WILL QUALIFY FOR THE HBTC IF:You or your spouse or common-law partner acquired a qualifying home; and You did not live in another home owned by you or your spouse or common-law partner in the year of acquisition or in any of the four preceding years.

If you are a person with a disability or are buying a house for a related person with a disability, you do not have to be a first-time home buyer.

At Jencor, we are proud to help many of our clients become first-time home buyers and encourage all who are eligible to check out the full details at:

www.cra-arc.gc.ca/gncy/bdgt/2009/fqhbtc-eng.html

$750tax credit

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1st Quarter

FOR FIRST-TIME HOME BUYER

Advice Trust Service Integrity www.jencormortgage.com

For more great deals that will save you money check out over 30 Jencor Preferred Partners at www.jencormortgage.com