Cheryl at Mortgage Tree

10/01/2026

There’s a lot of noise around mortgage rates right now. Interest rates matter. But they’re still only one part of the decision.

Should you wait? Maybe.
Should you move now? Maybe.

The answer depends a whole lot more on you than it does on this week’s rate headline.

What are you trying to do? What can you comfortably afford? How long do you plan to stay? What kind of flexibility do you need?

Those are the conversations I want to have with you.

Because finding you a competitive rate is part of my job.

Making sure the mortgage actually makes sense for your life is the bigger part.

That’s my two cents. 😉

09/26/2026

This one came through as a referral, which always means a little extra to me.

There were a lot of moving parts with this one, and it definitely took some extra time, care, and creative thinking along the way. That’s why reviews like this are so appreciated.

Jeremy & Barbra, thank you so much for trusting me to help you through the process. I’m so glad I could be part of your home buying journey and help find the right fit for your mortgage.

And to everyone who refers friends, family, or coworkers my way, THANK YOU. Your trust means so much to me, and I never take it lightly.

09/23/2026

A little planning can save you a lot of back-and-forth.

If a family member is helping with your down payment, it’s worth talking about it early — before you’re deep into the home-buying process.

There are documents lenders may need, and having everything ready ahead of time can help keep things moving when you find the right home.

And yes, this is exactly the kind of thing you can ask me about before you’re ready to make an offer.

That’s what I’m here for.

Save this one if a gifted down payment might be part of your plan!

09/21/2026

“We’re just waiting on the lender.”

Sounds simple enough. 😂

But there’s usually a lot happening behind the scenes while you’re waiting for that update.

Following up. Checking in. Reviewing options. Thinking ahead. Answering lender questions. Asking you for one more document when we both thought the last one was actually the last one.

And when the approval finally comes through, I’m not just looking for the word approved.

I’m looking at the rate, payment, conditions and terms to make sure the approval actually makes sense for you.

Because getting an approval is great.

Getting the right approval for you is better.

Welcome to Behind the Mortgage — a little look at what’s actually happening on my side of the process.

What part of the mortgage process do you want me to take you behind the scenes of next?

09/18/2026

This little refresh has been a long time coming! I’m so excited to finally start sharing it.

Starting fresh feels exciting, but also a little vulnerable. It’s more than changing colours or a logo. It’s deciding how I want to show up and what I want my business to feel like.

And along with the new look, I’ve been putting a lot of thought into creating fresh mortgage content that feels clear, approachable and easy to understand.

I want this page to feel like a place you can come for real answers, practical tips, homebuying info, and a little behind-the-scenes too.

If you got this far, please show me some love by liking this post or commenting what would you like to see more of here!

Cheryl

CochraneAlberta AlbertaRealEstate

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

06/05/2026

03/13/2026

Mortgage Insurance vs. Life Insurance, Do You Need Both? 🤔

It’s a common question we get from homeowners and buyers.

Here’s the difference 👇

🏠 Mortgage Insurance
This is typically offered by your lender when you get your mortgage. If you pass away, the payout goes directly to the bank to pay off your mortgage balance.
Coverage decreases as your mortgage decreases.
The lender is the beneficiary. It only covers the mortgage.

Life Insurance
This is a personal policy you own. If something happens to you, the payout goes to your chosen beneficiaries.
Coverage stays the same (if structured that way).
Your family decides how the money is used.
Can cover mortgage, debts, living expenses, education, and more.

💡 So… do you need both?
Not always. For many families, a properly structured life insurance policy can replace the need for mortgage insurance, and often offers more flexibility and value.
We can discuss your options as part of your mortgage plan.

403-479-1134
www.mortgagetree.ca