Cheryl Morrison Mortgage Broker

Cheryl Morrison Mortgage Broker I am part of one of the most respected mortgage brokerages in Canada, Mortgage Intelligence.

My goal is simple: to help Canadians achieve their home ownership dreams. I work hard to make the whole process as easy & stress free as possible for you.

Feeling overwhelmed by all the talk about rising and falling interest rates? Let’s keep it simple:📌 What Are Interest Ra...
10/01/2024

Feeling overwhelmed by all the talk about rising and falling interest rates? Let’s keep it simple:

📌 What Are Interest Rates? They represent the cost of borrowing money, shown as a percentage of your loan amount.

📌 Why Do They Change? Rates fluctuate due to factors like inflation, employment levels, and central bank decisions.

📌 Fixed vs. Variable Rates: A fixed rate remains constant over your loan term, giving you predictability. A variable rate can change with the market, often starting lower but with more risk.

📌 How to Secure the Best Rate: Keep a strong credit score, show stable income, and compare different lenders.

These basics will help you get started! For expert advice on finding the right mortgage, send me a message!

Are you a first-time homebuyer? The Tax-Free Home Savings Account (TFHSA) can help you reach your homeownership goals fa...
09/23/2024

Are you a first-time homebuyer? The Tax-Free Home Savings Account (TFHSA) can help you reach your homeownership goals faster! Here’s how:

🔹 Tax-Free Growth: Save money without paying taxes on the interest earned—every dollar works harder for your future home.

🔹 Annual Limits: Contribute up to $8,000 each year, with a lifetime cap of $40,000, all tax-free!

🔹 Flexibility: Use your TFHSA funds for a down payment, closing costs, or other home-buying expenses—your money, your choice.

🔹 Designed for First-Time Buyers: This account is a game-changer for making your homeownership dreams come true.

Have questions about saving for your first home? Contact me today and start your journey! 📱

Thinking about buying a home? Now’s the perfect time to get pre-approved for a mortgage. Here’s why:🔹 Know Your Budget: ...
09/17/2024

Thinking about buying a home? Now’s the perfect time to get pre-approved for a mortgage. Here’s why:

🔹 Know Your Budget: Pre-approval gives you a clear picture of what you can afford, helping you focus on homes within your price range.

🔹 Strengthen Your Offer: It shows sellers you’re serious and financially prepared, making your offer stand out.

🔹 Speed Up the Process: Pre-approval can fast-track your mortgage process, giving you an edge over other buyers.

🔹 Gain Negotiation Power: Sellers are more likely to negotiate with pre-approved buyers, knowing financing is already sorted.

Ready to get started? Contact me today for your pre-approval! 📱

Interest rates are on the decline, which is great news if you're thinking about buying a home! 📉 Lower rates mean more a...
09/11/2024

Interest rates are on the decline, which is great news if you're thinking about buying a home! 📉 Lower rates mean more affordable monthly payments, but here's the catch: as interest rates drop, the demand for homes typically rises, pushing prices up. 🏠📈

If you've been on the fence, now might be the perfect time to make your move before the market heats up even more. Whether you're looking to buy your first home, upgrade, or invest, acting now could save you money in the long run!

Reach out to discuss your options and find the perfect mortgage solution for you.

What is best for you depends on your financial situation and tolerance for risk. We don’t have a crystal ball, but I can...
09/03/2024

What is best for you depends on your financial situation and tolerance for risk. We don’t have a crystal ball, but I can walk you through various scenarios to determine what is best for you. Reach out to talk about YOUR mortgage!

You don't have to worry about getting rate quotes when you work with a me! With access to major Banks, credit unions, na...
08/27/2024

You don't have to worry about getting rate quotes when you work with a me! With access to major Banks, credit unions, national, regional, and private lenders, I shop the market for you.

If you are looking at low online rates, do your research, and get in touch to discuss. Rock-bottom online rates often come with restrictions and high penalties that could work against you in the long run. Necessary mortgage privileges don't fit in a rate ad but are critical when determining your situation's best mortgage.

Looking to add value to your home without breaking the budget? Below are 5 easy renovations you can take on that will in...
08/20/2024

Looking to add value to your home without breaking the budget? Below are 5 easy renovations you can take on that will increase the value of your home.

1️⃣ Replacing or refreshing your front door, even adding a smart lock

2️⃣ Replacing old caulking and changing the towel racks, storage and hardware can help modernize your bathroom

3️⃣ For your kitchen, replace kitchen lighting and re-face kitchen cabinets

4️⃣ Upgrading door hardware

5️⃣ Replacing your garage doors

If you’re a homeowner, now could be the perfect time to consider refinancing. Refinancing your mortgage can help you sho...
08/13/2024

If you’re a homeowner, now could be the perfect time to consider refinancing. Refinancing your mortgage can help you shorten your mortgage term, access equity in your home or consolidate high-interest debt. 💳💰

With access to multiple lenders, I work with you to find the best refinancing solution to meet your unique needs. Don’t wait to take control of your financial future. Reach out to explore how refinancing can help you achieve your goals.

🔔 Is your mortgage up for renewal? With the latest rate drop and the indication rates could go down even more, seeking t...
08/06/2024

🔔 Is your mortgage up for renewal? With the latest rate drop and the indication rates could go down even more, seeking the advice of a mortgage broker is crucial in today's market. 📈

Reach out and let's secure your financial future together. 🏠💼

Here are five tips to help you get ready to buy your first home:1️⃣ Keep a good credit score! The higher, the better. Th...
07/29/2024

Here are five tips to help you get ready to buy your first home:

1️⃣ Keep a good credit score! The higher, the better. This is a snapshot of your financial health, and lenders use this to gauge your ability to repay debts.

2️⃣ Save a down payment! The bigger the down payment, the better – the minimum down payment when less than $500,000 is 5%; between $500,000 and $999,999, you will need 5% for the first $500K and 10% for the portion above $500K, and $1 million+ you need 20% of the purchase price.

3️⃣ Keep your income stable. Lenders like to see proof that you can make your payments; a full-time job is the best way to show it.

4️⃣ Pay down existing debt. Your balances don’t need to be at $0, but how much debt you carry will affect how much you can borrow.

5️⃣ Get a mortgage pre-approval!

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Grande Prairie, AB

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