Cheryl at Mortgage Tree

Name: Cheryl at Mortgage Tree
Address: Cochrane, AB, CA
Telephone: +14036303145

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Cheryl at Mortgage Tree

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Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Cheryl at Mortgage Tree, Real Estate, Cochrane, AB.

11/13/2026

A little mortgage advice I’d give you over coffee.

After years in this business, there are a few things I think every homebuyer should know before making one of the biggest financial decisions of their life.

Not everything comes down to getting the lowest rate or the biggest approval. Sometimes, it’s the details you don’t know to ask about that can make the biggest difference.

These are conversations I have with my clients every day, because I believe understanding your mortgage is just as important as getting approved for one.

Swipe through for three things worth knowing before you sign on the dotted line.

11/12/2026

There’s a common misconception that you need to find a house before talking to a mortgage broker.

The truth is, one of the best things you can do is have that conversation before you start looking.

Understanding your budget, exploring your financing options, and knowing what to expect puts you in a much stronger position when you’re ready to buy.

You’ll have the knowledge to make informed decisions, know what you can comfortably afford, and be better prepared when you find a home you love.

A little planning beforehand can make the whole experience a lot less stressful.

11/09/2026

Your credit score matters when it comes to getting a mortgage, but there are a few things people don’t always realize.

For example, did you know the credit score you see through your banking app isn’t necessarily the same score a mortgage lender sees?

And while a strong credit score is important, you don’t need perfect credit to qualify for a mortgage.

A few good habits today can make a meaningful difference when you’re ready to buy.

Thinking about buying in the next year or two? It’s never too early to start making smart moves with your credit.

11/04/2026

One thing I always encourage my clients to do is to let me connect with their realtor.

Buying a home involves a lot of moving parts, and your mortgage approval is only one piece of the puzzle.

Two homes with the same price tag can look very different when it comes to financing. Property taxes, condo fees, and even the type of property can affect what you qualify for.

And then there’s timing! Financing conditions, lender reviews, appraisals, and holidays all need to be considered when putting together an offer.

That’s why I like to stay in communication with your realtor throughout the process. With your permission, we can work together to anticipate potential issues, keep things moving, and make sure you’re not left trying to coordinate everything yourself.

Over the years I’ve learned that good communication can make a big difference in the homebuying experience.

Because buying a home should feel exciting, not unnecessarily stressful.

Thinking about buying? Let’s have a conversation before you start making offers.

11/02/2026

Mortgages are what I do. But they’re definitely not my entire personality.

There are some new faces around here, so I figured it’s time to introduce myself beyond the mortgage talk!

I’ve been in the mortgage industry for over 10 years, and if there’s one thing I’ve learned, it’s that no two people, homes, or financial situations are quite the same.

I love what I do, especially the part where I get to make something that feels complicated a whole lot easier to understand. I’m big on asking questions, having real conversations, and making sure people feel comfortable asking me absolutely anything.

Outside of mortgages, I’m a mom of two, a creative at heart, and usually have some sort of DIY project or craft on the go.

I'm always up for a games night with friends and family, trying new foods, and good conversation. Which probably explains why I’ve always enjoyed the relationship side of this business just as much as the mortgage side.

So whether you’re here for mortgage advice, a little real-life content, or just stumbled across my page, I’m glad you’re here.

And if we haven’t met yet, I hope we get the chance! ☺️

10/28/2026

Buying a home is a big deal, and having someone trust me to guide them through the process is something I never take for granted.

Reviews like this mean so much because, at the end of the day, it’s about more than just getting a mortgage approved. It’s about making the process easier, answering the questions, and making sure my clients feel supported from start to finish.

Ken, thank you for the kind words and for trusting me with your home purchase! 🤍

10/26/2026

Biweekly and accelerated biweekly. Same thing, right?

Not quite!

Both have you making 26 payments a year, but accelerated biweekly payments mean you’re putting a little extra toward your mortgage with each payment.

And that difference can really add up.

On a $400,000 mortgage, switching to accelerated biweekly could mean approximately $12,500 less owing after just five years!

Of course, you’re paying more throughout the year, and that’s an important distinction.

I’m a big believer in paying down your mortgage faster when you can, but not at the expense of your everyday budget.

Sometimes the smallest adjustments can make a meaningful difference over time.

Curious what changing your payment frequency could look like for your mortgage? Let’s run the numbers. 🏡

Example assumes a 4.50% interest rate, 25-year amortization and a constant rate over five years. Results vary by lender and mortgage terms.

10/23/2026

The down payment gets all the attention, but what about everything else?!!

One thing I always remind my clients is that buying a home comes with a few extra expenses that are easy to overlook.

Legal fees, home inspections, appraisals, title insurance, and property tax adjustments can all add up.

The last thing I want is for you to get to closing day and be surprised by a bill you weren’t expecting.

A little planning goes a long way, and that’s exactly what I’m here to help with.

Buying your first home?
Let’s make sure you’re budgeting for the whole picture.

10/22/2026

Your income might tell a bigger story than you think!

One thing I’ve learned over the years is that people often underestimate what they can use as income when qualifying for a mortgage.

Your regular paycheque isn’t always the full picture. Depending on the lender, income from government benefits, variable employment earnings, secondary employment, rental properties, or other documented sources may help strengthen your application.

Of course, every lender has different guidelines, and how that income is calculated matters.

That’s why it’s worth having a conversation before assuming you won’t qualify or that you know exactly how much you can borrow.

You might have more options than you realize!

Have questions about what income you can use? Send me a message. I’m always happy to help.

07/10/2026

Thinking about buying an acreage? The mortgage process may be a little different than buying a home in the city.

Factors like the size of the land, property use, outbuildings, wells, septic systems, and even how many acres are included can all impact your financing options.

Some lenders have acreage restrictions, while others offer specialized programs designed for rural properties.
That's why it's important to work with someone who understands the unique requirements of acreage financing.

Whether you're dreaming of more space, a hobby farm, or country living, we can help you navigate the options and find the right mortgage solution for your property.
📞 Ready to explore acreage living? Let's talk before you start your search!
403-479-1134
www.mortgagetree.ca

Address

Cochrane, AB

Telephone

+14036303145

Website

http://www.mortgagetree.ca/

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