• Are you a First Time Home Buyer?
  • Do you have Steady, Full Time Income?
  • Do you have Strong Credit?

If you answered yes to all 3 of these questions then take 10 Minutes and fill out our Online Application or request an appointment below.

Still Skeptical?

Maybe it sounds too good to be true?

Perhaps you have requested information before but didn't think it would work for you?

Well don't take our word for it!

Contact us today and we can even connect you with some of our past clients to tell you how the program really works and how it allowed them to become Homeowners sooner!

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“We really wanted to live as close to downtown as we could but everything in our price range needed a lot of work. We did not have any extra money to do renos, so we thought that would have to compromise...luckily we were wrong!The Customization Program allowed us to add new windows, a new roof, furnace and hot water heater as soon as we moved in. Completing these items may have taken us years to save up for but with this program we were able to simply add it to our mortgage and enjoy our home right away.”  
The Brakes
"I really wanted to find a home in a mature community but did not want to overpay for someone else's renovations. Once Jim introduced me to the Customization Program and showed me that I could do my own renovations without needing a bunch of extra money, it changed my search. I went and found a great original home and am in the process of creating a kitchen that is perfect for me."
"When I was buying my first home I was looking for an opportunity to use some of my trade skills to take a property, update it and hopefully add some instant equity. Even though I planned to do most of the work myself, I still needed money to purchase materials and sub contract some of the projects that I couldn't do. I resigned to the fact that I would have to pick away over time until Jim introduced me to his program. The Customization Program allowed me to complete all of my projects up front and enjoy my new updated home much sooner than I thought I could."
I sold a home and purchased a new home with Jim. Jim was very knowledgeable, organized and efficient during both of these stressful processes. His market knowledge was invaluable during the sale and purchase. He was very punctual at answering the many questions I threw at him. He also educated me along way, as there were many important items that I was unfamiliar with during both processes. Now months later, I am very happy that I chose Jim to broker these very important life events. I felt very comfortable and reassured during each step. Exceptionally professional, knowledgeable, punctual and friendly. I would highly recommend Jim, and will use him again for any future real estate needs.
Ryan Thomas
Best customer service experience, Jim is very knowledgeable and one of the best realtor I have come across. He was very patient, understanding and made our experience one to remember. I will recommend Jim to any and everyone. And to top it all off he got us the best mortgage rate available. Top of the line service!!!
Keno and Shay
We really appreciated Jim's expertise, professionalism and honesty when we were house shopping. He gave us confidence and satisfaction with our purchase. I would definitely recommend him to my friends and family!
We used Jim to purchase a home before relocating for work from another province. Something that I thought would be very complicated and stressful was actually quite easygoing, as he made everything clear and simple for us. Jim also went above and beyond, helping us with information, and making us feel comfortable that our new home was ready for us before we arrived.
Kevin Gould
Working with Jim was the best experience for myself and husband, he helped us both understand every step of the home buying experience. This was our first home and he was really understanding and patience with us through what was the must exciting step of our lives. Jim will have repeat customers from us!
Charlene and John
Jim is very friendly, helpful and knowledgeable. We hed great experience with him and his team, he sold our house and help us bought our new house with great advice and service. Jim is one stop shop for all your real state needs..
I've worked with Jim on a couple of occasions and each experience was top-notch. He's knowledgable, easy to deal with, and very clearly puts the interests of the client first. I wouldn't hesitate to refer friends/family to Jim.
Chris Seib
To put it simply, Jim Henheffer made my purchase of my first house so much easier. He took the time to explain the whole mortgage process to me and my family as well as find exactly what type of mortgage would suit me best down the road. Meeting with him in person was no hassle and was always available to answer any questions or concerns. I can definitely tell that he takes great pride in his job and makes the overall experience of owning a house a pleasant one. I recommend Jim to any of my family members or friends who are looking into a new mortgage or would like a second opinion about their current mortgage.
Nevan Jack
Best place to go for Mortgages in Calgary – Hands Down!
Not only did we get an unbeatable rate, we were able to participate in a home improvement program with our lender so we could do some much needed renovations. We were able to increase the value of our home immediately by including the improvement cost in our mortgage. Working with Jim was a first rate experience and I would 100% recommend him to friends and family!
Andrea Brake
Me and my wife were looking to get away from the banks for our new mortgage and so we chose Jim to be our Broker. He was very thorough in explaining all our options and made sure that we had the right mortgage that fit our needs at his point in our lives. He was quick to change anything when we changed our mind and made sure we understood where we were at any point in the process. He is incredibly personable and knowledgable and really makes you feel that using him as your agent was the right choice. I would recommend to anybody to use Jim as their broker anytime.
Justin Duque
Jim was great to work with. He put both my wife and I at ease as first time home buyers who were new to the process with his easy going personality. In addition, when it came to getting the financing paperwork we needed Jim was very professional and quick to ensure we had everything we needed well in advance of closing. We would highly recommend Jim as a mortgage broker to anyone looking.
Zach Sonnleitner
Jim made the whole process of getting a great rate on our mortgage seem easy. He had all the answers and was very easy to work with. I would recommend him to anybody looking for a mortgage. We have done 2 mortgages through him and will continue doing business for a long time.
Neil Vorel
My wife and I have gone to Jim for mortgages twice, and each time he was extremely friendly and professional every step of the way. He is always 100% open and honest about the process, setting realistic expectations, and he will work diligently to get you the best possible mortgage to suit your needs. We will definitely be contacting him again when we're ready to purchase another home!
Bob Best
My wife and I have used Jim on multiple purchases and I cannot say enough about the professionalism that Jim exudes. He has a true passion for his line of work and it definitely shows. He is simply a pleasure to work with and I highly recommend to anyone who is looking for knowledgeable, customer-service focused broker.
Tim Workman
As a real estate associate with CIR Realty, I have had the pleasure of working closely with Jim after recommending him to many of my clients. He has received stellar reviews from them as he works diligently and in their best interests to help them find the best fit financing for their individual needs. Keep up the great work, Jim!
Greg Caso-Gustafson
Jim is a great person, colleague and professional when it comes to his work and clients! If I was ever to get out of the mortgage business, I would work with Jim for my financing needs and would recommend him to everyone. Keep up the great work Jim and look forward to future successes together!! ~ Tim
Tim Lacroix
Jim is an excellent person, and professional in his work. He understands the financial market and offers great service. He made me comfortable while buying my first home and understood my needs very well. I would highly recommend Jim to everyone !!!
Sunil Pathak
Jim Henheffer was a great source of info on mortgages. He is a straight shooter and a hard worker.
All of his communications came quickly and were full of required details.If you are in the market for a house or want to refinance, shoot Jim a call!
John Leask
Jim got me best rates in market, he is excellent in communication, very knowledgeable and was always there to answer my questions. I have no doubt to get him for my mortgage renewal. Thank you very much Jim and keep it up the good work.
Hamad Bukhari
I have been doing business with Jim for about 6 years now and I cant say enough about his level of professionalism and dedication. Whether you're buying or refinancing a starter home or a multimillion dollar dream home Jim will exceed your expectations. I would not hesitate to recommend him to my friends and family.
Brian Sikora
Jim was very helpful with finding the right mortgage for us. He is very knowledgeable and prompt in answering any inquiries we had on the process. We will definately use him again in the future.
A Beautiful Mind
I owe a good deal to Jim for making a first mortgage so easy. I came into prospective home ownership with an "I'm an idiot, guide me" attitude. Jim coaxed me out of that mindset and into a painless process. I am very pleased and will turn to Jim for future advice and am happy to refer friends and colleagues to him
Karen Brooks
Being a first time Homeowner I didn't know exactly how everything worked. Jim was very patient and explained everything. I wouldn't be able to buy a place when I did if it wasn't for Jim Introducing me to a way to buy a place with no downpayment the process went very smooth I would highly recommend Jim
Kyle Zurcher
Jim is a great genuine guy, was there every step of the way when I bought my first home.
It can honestly be a stressful time but it wasn’t because of Jim. 
I would highly recommend him for selling or buying your new home 
Thanks again Jim!
Adam Menger