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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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

12/13/2025

🎄Holiday Home Goals 2026

Build Your Down Payment Strategy

Whether you’re aiming for 5%, 10%, or more, a clear plan makes all the difference.
�From savings tools to the RRSP Home Buyers’ Plan, there are more ways to reach your goal than you might think.

Let’s map out your options and create a down payment plan that works for your timeline.

403-479-1134
www.mortgagetree.ca

12/10/2025

The Bank of Canada announced there will be be no change, and the interest rate will be held at 2.25%.

05/29/2025

First-Time Home Buyers: This is a game changer.

The new FTHB GST Rebate (starting May 27, 2025) helps eligible buyers save on the GST when buying or building a new home.

If you haven’t owned a home in the last 4 years and are planning to purchase or build, this could be a major financial boost.

Let’s chat and see if you qualify.

05/20/2025

There are costs associated with purchasing a home that aren’t widely know and can come as a surprise if you are not prepared.

Working with a mortgage professional will ensure that from the beginning you will be aware of all potential costs associated with your home purchase.

05/12/2025

What Is Total Debt Service Ratio—and Why Does It Matter?

When you’re applying for a mortgage, lenders want to know: Can you afford to repay this loan comfortably?

That’s where your Total Debt Service (TDS) Ratio comes in.

TDS = (All Monthly Debt Payments + Housing Costs) ÷ Gross Monthly Income

Most lenders want your TDS to be below 44%—meaning less than 44% of your income is going toward debt.

Why it matters:
A lower TDS ratio increases your chance of mortgage approval and often gives you access to better rates.

Need help calculating yours or lowering it before applying?

Let’s talk! I’ll help you position yourself for the best possible mortgage terms

05/08/2025

Why Choose Me as Your Mortgage Broker?

Navigating buying a home can be overwhelming, but with me by your side, you’re never alone. I pride myself on being responsive, professional, and dedicated to finding the best rates and products tailored to your unique needs.

But don’t just take my word for it—here’s what my clients have to say:

💬 “Cheryl was incredibly helpful—she’s helped us with two mortgages now. She kept us in the loop every step of the way and was able to get us a better than advertised rate.”

💬 “We have worked with Cheryl for every house purchase we have made and could not be happier with the service we have received. Cheryl is very responsive and always makes time to help answer questions and provide all the information for us to make decisions we will be comfortable with.”

Your homeownership journey deserves a partner who listens, understands, and delivers. Let’s make your dream home a reality together! 🏡

📞 Contact me today to get started.

05/06/2025

Found the almost perfect home?

With the Purchase Plus Improvements program, you can roll renovation costs into your mortgage, making upgrades more affordable and accessible right from the start.

Here’s how it works:
🔨 Buy the home
🛠 Add the cost of improvements (kitchen, floors, windows, etc.)
💰 Finance it all with one manageable mortgage
* conditions apply

Perfect for:
• First-time buyers with vision
• Fixer-upper lovers
• Those who want move-in ready without the wait

Let’s connect today to discuss!

04/23/2025

If you’re looking to access equity, consolidate debt, or lock in a better rate—you can refinance your mortgage mid-term.

BUT… it’s not always free.

Refinancing early often means paying a prepayment penalty, especially with fixed-rate mortgages. That penalty could be three months’ interest or the interest rate differential (IRD)—whichever is higher.

So before you jump in, it’s smart to run the numbers and talk to a mortgage pro to make sure it’s worth it.

04/20/2025

Happy Easter! 🐣🐰💐

04/11/2025

Spring is in full swing, and it’s the perfect time to show your home some love! Here are a few other easy April home maintenance tips to keep your place in top shape:

• Test smoke & carbon monoxide detectors
• Check your roof for winter damage
• Tidy up landscaping + trim overgrowth, don’t forget to wait for the hibernators to evacuate mulch and left over leaves 🐞

Your home is one of your biggest investments—these small steps help protect it!

Have questions about homeownership or thinking of making a move this spring? I’m here to help!

Address

Cochrane, AB

Telephone

+14036303145

Website

http://www.mortgagetree.ca/

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