Lisa Johnson Mortgage Services

Lisa Johnson Mortgage Services Lisa Johnson is a licensed mortgage broker with DLC White House Mortgages - brokering since 1991

Reality: Having student loans doesn’t automatically mean homeownership is out of reach.Many Canadians assume they need t...
08/20/2026

Reality: Having student loans doesn’t automatically mean homeownership is out of reach.

Many Canadians assume they need to pay off their student debt before they can qualify for a mortgage, but that’s not necessarily the case. Lenders look at your overall financial picture – not just whether you have student loans.

They’ll consider factors like your income, monthly debt payments, credit history and overall ability to manage your financial obligations. If your student loan payments fit comfortably within your budget, you may still qualify for a mortgage.

In fact, many first-time homebuyers purchase their first home while still repaying their student loans.

The key is understanding how your debt affects your borrowing power and developing a strategy that works for your financial situation. I can help you determine what you qualify for and identify lenders that are the best fit for your circumstances.

Don’t let student loans stop you from exploring your options. You may be closer to homeownership than you think. Let’s talk! [email protected] | 250-617-2229

Many homeowners focus on what they owe, but forget to look at what they own.As your home increases in value and your mor...
07/30/2026

Many homeowners focus on what they owe, but forget to look at what they own.

As your home increases in value and your mortgage balance decreases, you build equity. That equity may be available to help you:
• Renovate your home
• Consolidate higher-interest debt
• Help a child with a down payment
• Cover education costs
• Create a financial cushion for unexpected expenses

The important question isn't: “Can I refinance?” Instead ask yourself: “Would refinancing improve my overall financial picture?”

Every situation is different, which is why it’s worth exploring your options before making a decision. I’m here to help [email protected] | 250-617-2229

Did you know your home equity can help your children buy their first home or pay for post-secondary education?An equity ...
07/16/2026

Did you know your home equity can help your children buy their first home or pay for post-secondary education?

An equity mortgage can unlock funds for:
• Tuition and education costs
• A down payment gift
• Other major life expenses

Smart financing creates lasting impact. Let’s discuss your options. [email protected] | 250-617-2229

If your mortgage is up for renewal, don’t just sign your lender’s renewal offer. It’s always in your best interest to un...
07/10/2026

If your mortgage is up for renewal, don’t just sign your lender’s renewal offer. It’s always in your best interest to understand all your options every time your term is ending.

I can lock in a rate 90-120 days before your current mortgage term ends. If rates drop during that time, your rate will also drop. It’s best to plan ahead and not leave your options to the last minute. Be sure to check the maturity date of your current mortgage.

Let’s chat about your mortgage needs! [email protected] | 250-617-2229

Many people think of home equity only during emergencies, but it can be a powerful tool for opportunity as well, includi...
07/02/2026

Many people think of home equity only during emergencies, but it can be a powerful tool for opportunity as well, including when you’re looking to:
• Start or grow a business
• Buy an investment property
• Diversify your financial portfolio

If you’ve built equity, you’ve built opportunity. Let’s make it work for your goals. [email protected] | 250-617-2229

Credit cards at 20% interest? 😖 You could be paying way too much.Refinancing with an equity mortgage can help you roll t...
06/25/2026

Credit cards at 20% interest? 😖 You could be paying way too much.

Refinancing with an equity mortgage can help you roll that high-interest debt into one low monthly payment – often at a much lower interest rate.

Your home can help you breathe easier financially. Let me show you how! [email protected] | 250-617-2229

Breaking a mortgage early can come with penalties, but that doesn’t automatically mean it’s the wrong move.In some cases...
06/18/2026

Breaking a mortgage early can come with penalties, but that doesn’t automatically mean it’s the wrong move.

In some cases, restructuring your mortgage – even with a penalty – can still put you in a better financial position long term.

It comes down to running the numbers and understanding the full picture. I’m here to help! [email protected] | 250-617-2229

If you could renovate one part of your home, would it be the kitchen, bathroom or bedroom? Drop a comment below 👇Your mo...
06/11/2026

If you could renovate one part of your home, would it be the kitchen, bathroom or bedroom? Drop a comment below 👇

Your mortgage may be the most economical way to finance your home renovations. Let’s chat about your options. [email protected] | 250-617-2229

“I already own one property… how does that affect buying another?”Lenders will look at things like existing mortgage pay...
06/04/2026

“I already own one property… how does that affect buying another?”

Lenders will look at things like existing mortgage payments, rental income and overall debt levels. But it doesn’t mean you can’t continue to grow.

With the right strategy, many clients successfully build portfolios over time. We’re here to help ensure you have the right mortgage financing on every property. Let’s chat about your plans so we can get you prepared! [email protected] | 250-617-2229

This has become one of the most common conversations in the mortgage world.A lot of homeowners secured rates several yea...
05/28/2026

This has become one of the most common conversations in the mortgage world.

A lot of homeowners secured rates several years ago when they were significantly lower. As those mortgages come up for renewal, many are facing higher payments simply because today’s rate environment is very different than it was during their last term.

The good news is there are ways to prepare ahead of time and, in some cases, reduce the impact.

This is where working with a mortgage broker can make a big difference. Reviewing your options early – well before your renewal date – creates time to look at strategies like adjusting the amortization, restructuring debt, improving monthly cashflow or exploring different lenders and products.

Waiting until the last minute limits your options. Let’s talk three to four months before your renewal date! [email protected] | 250-617-2229

Even if higher payments are the new reality for many homeowners right now, having a plan in place ahead of time can make the transition much more manageable and help avoid unnecessary financial stress.

Address

7628 Street Mark St
Prince George, BC
V2M4B8

Opening Hours

Monday 7am - 7pm
Tuesday 7am - 7pm
Wednesday 7am - 7pm
Thursday 7am - 7pm
Friday 7am - 7pm
Saturday 7am - 7pm
Sunday 7am - 7pm

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