I'm Jaswinder Singh, a licensed mortgage broker with State Alliance Mortgages Inc. I help buyers across Calgary and area secure the right mortgage — purchased, refinanced, or renewed — with clear advice and rates shopped across many lenders, not just one bank.
Licensed Mortgage Broker
State Alliance Mortgages Inc.
Every mortgage situation is different. My job is to find the right solution for yours — and keep the process smooth from application to approval.— Jaswinder Singh
A bank can only offer its own products. As a broker, I compare options across a wide lender network and build the mortgage around your situation.
Every file is different — first home, growing family, self-employed income, an investment property. Your mortgage is structured around your income, your credit story, and where you're headed, not a template.
Know your real budget before you shop. A proper pre-approval confirms what you can afford and how much you can put down, so you can make an offer with confidence in a competitive Calgary market.
I compare rates and terms across leading Canadian lenders — major banks, credit unions, and alternative lenders — and explain the trade-offs in plain language before you sign anything.
Two quick estimates: what a mortgage will cost each month, and roughly how much home your income can support under Canada's stress test. Estimates only — your real numbers come from a conversation.
Uses the federal stress test (your rate + 2%), a 25-year amortization, and standard housing-cost ratios, allowing roughly $150/month for heat and an estimate for property tax.
Canadian mortgages compound semi-annually; this calculator uses that standard. Payment excludes CMHC insurance (added when your down payment is under 20%), property tax, and heating costs.
A ballpark, not a pre-approval. Income type, credit, property taxes, condo fees, and the lender all move the real number — often in your favour with the right lender.
Tap any service to see how it works and who it's for. Every engagement starts with a free, no-pressure conversation.
A short call or meeting about your goals, income, and timeline. No obligation, no jargon.
Documents reviewed, credit checked with your permission, and a real budget with a rate hold in place.
Your file is shopped across lenders. You see the best options and the trade-offs, explained plainly.
Conditions cleared, lawyer's documents signed, and keys in hand. I stay reachable after closing, too.
I'm Jaswinder Singh, a licensed mortgage broker with State Alliance Mortgages Inc., serving Calgary and the surrounding communities — Chestermere, Livingston, Cornerstone, and across northeast Calgary. My work is residential and commercial mortgages: purchases, refinances, and renewals.
A lot of my clients are buying their first home, many are self-employed, and some were told "no" by their bank first. My job is to understand the full picture, match it with the right lender, and keep you informed at every step — including Bank of Canada rate decisions and what they actually mean for your payment.
"My goal is simple: the right mortgage, explained clearly, at a rate that was properly shopped — so you can get on with living in your home."
"I was stuck with a 'B' lender for a few years. Went to different brokers but nobody was really happy to help me out. Got in contact with Jass — I was really impressed with the professionalism and hard work he put into my case. After a few days of paperwork he got me approved with an 'A' lender at a very low interest rate. I am saving $1,050 every month on my mortgage now."
"We had an amazing experience working with Jaswinder Singh at State Alliance Mortgages Inc. As first-time home buyers, we had many questions and concerns, but he guided us through every step with patience and professionalism. He worked hard to secure us a great low interest rate and made the entire mortgage process smooth and stress-free."
"We had a wonderful experience working with Jaswinder as our mortgage broker. He was very professional, knowledgeable, and patient throughout the entire process. He explained everything clearly, kept us updated, and was always available whenever we had questions. Buying a home can be stressful, but Jaswinder made the mortgage process smooth and easy for us."
"Jaswinder made a complicated process feel easy. He is smart, reliable, and genuinely cares. I had a lot of questions, and he always had answers — clear, honest, and helpful. If you need a mortgage broker you can trust, Jass is the one."
"Whole experience was amazing. Jass answered all our questions in detail. Explained the steps as they came. Negotiated well with bank. Highly recommended."
Every review of Mortgage With Jass on Google is five stars. If we've worked together, I'd be grateful for yours — and if we haven't yet, the first conversation is free.
Reviews shown as posted on Google for Mortgage With Jass – Jaswinder Singh, Calgary, AB (lightly trimmed for length in one case).
A sample of the kind of files that cross my desk every month — first homes, smarter refinances, and approvals that took a second look.
New-community purchases come with builder timelines and deposits that don't move. The financing has to be ready before the house is — and it was.
Homeowners refinancing to consolidate higher-interest debt and lower their monthly outflow — with the penalty math checked before anyone signed.
Business owners approved using how their income actually works — not just the number on a notice of assessment.
Investment closings structured with the right lender's rental-offset rules, so the next property stays within reach.
Clients who compared instead of signing the first offer — a short review that regularly beats the bank's renewal rate.
Call, email, or send the quick form — it opens a pre-filled email to me, so nothing gets lost in a system.
Licensed Mortgage Broker · State Alliance Mortgages Inc.
Brand: Mortgage With Jass — Opening Doors. Closing Loans.
Tell me a little about what you're planning. Submitting opens your email app with the details ready to send.