Dustin Torgerson at Mortgage Tree

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Okotoks, AB
Dustin Torgerson at Mortgage Tree

Finding the best solution for a big decision. I'm a family man with the most supportive wife and amazing children. We love it here!

My wife and I have been together for 15 years and have two girls that are 11 and 13. We grew up in the Kamloops area, but have recently uprooted our lives and moved to Okotoks Alberta.

06/21/2026

💙 Happy Father’s Day

Wishing all the amazing dads, grandfathers, and father figures a wonderful day filled with love, appreciation, and time with family.
Thank you for all the strength, guidance, and support you give every day.

06/18/2026

Why Many Buyers Choose a Mortgage Broker…

When it comes to finding the right mortgage, having more options can make a big difference.

Unlike a bank that can only offer its own products, a mortgage broker can compare multiple lenders, rates, and solutions to help find the best fit for your unique situation.
Whether you’re buying your first home, renewing, refinancing, or self-employed, having access to different options and strategies can help you make a more informed decision.

The right mortgage isn’t just about the rate, it’s about flexibility, long-term goals, and finding the solution that works best for you.
403-336-7479
[email protected]

📲 Not sure where to start? Let’s explore your options and find the right fit for you.

06/16/2026

Our Online Mortgage Calculator is a helpful tool for estimating payments and exploring price ranges. It’s a great starting point, but there are other important factors that can affect your real monthly affordability.

Things like:

🏡 Property taxes
🏢 Condo fees
📉 The mortgage stress test
💳 Existing debt payments
⚡ Utilities and monthly expenses
💰 Closing costs and cash flow

That’s why two buyers with the same income can qualify very differently.

💡 A calculator gives you a snapshot, a full mortgage strategy gives you the complete picture.

📲 Want help understanding what your numbers really look like? Let’s walk through it together.
403-336-7479
[email protected]
https://mortgagetree.ca/mortgage-tools/mortgage-calculators/mortgage-calculator/

06/11/2026

💡 Did You Know?

The average first-time home buyer in Canada is now around 36 years old, and in some larger markets like Toronto and Vancouver, many buyers are purchasing their first home closer to 40.

🏡 The good news?
Calgary and Alberta continue to offer a more affordable path into homeownership compared to many major Canadian cities.

Your first home doesn’t need to be your forever home, it just needs to get you started.

📲 Thinking about entering the market? Let’s explore your options.
403-336-7479
[email protected]

06/08/2026

💼 Why Self-Employed Canadians Need a Different Mortgage Strategy

Being self-employed comes with flexibility and opportunity… but when it comes to mortgages, the process can look very different.

One of the biggest surprises?
The more tax write-offs you claim, the lower your income may appear to lenders on paper.

That means even successful business owners can sometimes qualify for less than expected.

Lenders often look at:
📄 2-year average income
📊 Notices of Assessment
💳 Debt levels and credit history
📅 Business stability and consistency

💡 The key is planning ahead.
What helps at tax time doesn’t always help when qualifying for a mortgage.

📲 If you’re self-employed, let’s create a mortgage strategy designed around your business and financial goals.
403-336-7479
[email protected]

06/04/2026

You found the home. Your offer was accepted. Everything feels on track…

Then the appraisal comes in lower than the purchase price. 👀
What does that mean?

Lenders base your mortgage on the appraised value of the home, not necessarily what you agreed to pay.

📊 Example:
If you offer $600,000 but the appraisal comes in at $575,000, the lender may finance based on the lower number.

That could mean:
💰 A larger down payment required
📉 Renegotiating the purchase price
⚠️ Reworking financing options

This can happen in competitive or fast-moving markets when buyers stretch beyond recent comparable sales.

💡 The good news?
There are often solutions, especially when you have the right strategy and guidance in place.

📲 Want to avoid surprises during the buying process? Let’s make sure you’re fully prepared before you make an offer.
403-336-7479
[email protected]

06/02/2026

Why Paying Off Just ONE Debt Could Change Your Mortgage Approval amount!

Sometimes improving your mortgage qualification isn’t about making more money…
It’s about removing one monthly payment. 👇

📊 Example:A $400/month car payment could reduce your mortgage qualification by approximately $70,000–$90,000+ depending on your situation.

Why?
Because lenders focus heavily on your monthly obligations when calculating affordability.

💡 Small financial changes can create a surprisingly big impact on buying power.

Before house hunting, it’s worth looking at:
- Car loans
- Credit cards
- Lines of credit
- Monthly financing payments

📲 Paying off this debt first will put you in a better position for approval. Let’s break down the numbers and build a strategy together.
403-336-7479
[email protected]

05/28/2026

💡 Pre-Qualified vs. Pre-Approved - What You Need to Know

They may sound similar, but they play very different roles in your home buying journey.

Pre-qualification gives you a quick estimate, while pre-approval provides a more accurate, verified picture of what you can afford - and makes you a stronger buyer when it’s time to make an offer.

📲 Not sure where to start? Let’s walk through your options and get you set up the right way.
403-336-7479
[email protected]

05/26/2026

🚫 Reasons Your Mortgage Could Be Denied

Getting declined can be frustrating, but often, it comes down to a few key factors.
Here are some common reasons 👇

• High debt levels
Too much existing debt can reduce your borrowing power
• Low or inconsistent income
Lenders look for stability and reliability
• Poor credit history
Missed payments or high balances can raise red flags
• Employment changes
Switching jobs or income structure mid-process can impact approval
• Insufficient down payment
Not meeting minimum requirements can stop things before they start

💡 The good news:
A denial doesn’t mean “no” forever, it just means there’s a better strategy needed.
📲 Let’s review your situation and create a plan to get you approved with confidence.

403-336-7479
[email protected]

05/21/2026

A bankruptcy doesn’t mean homeownership is out of reach, it just means preparation is key.

⏳ How long do you have to wait?

In many cases, you may be eligible as soon as 2 years after discharge (sometimes sooner with alternative lenders), depending on your situation and how well you’ve rebuilt your credit.

Here’s how to set yourself up for success 👇

💳 Rebuild your credit
Use a secured credit card and make payments on time to show consistency.

💰 Save your down payment
A larger down payment can improve your chances and options.

📄 Show stability
Consistent income and employment help strengthen your application.

💡 The bottom line:
It’s not about where you were, it’s about the steps you take now.

📲 Let’s build a plan to get you back on track and into a home.
403-336-7479
[email protected]

Address

105 Drake Landing Common
Okotoks, AB
T1S0C9

Telephone

+14033367479

Website

https://mortgagetree.ca/the-team/dustin-torgerson/

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