Ashley Treavajo Mortgages

Ashley Treavajo Mortgages Level 2 Mortgage Agent with BRX, mom, published author 2x

Pride myself in providing excellent customer service to clients to make their mortgage process as seamless as possible.

05/29/2026

Reverse mortgage vs HELOC: what’s the difference? Let’s break it down 👇

A HELOC, or Home Equity Line of Credit, is basically a revolving credit line secured against your home.
You can borrow from it when needed, but you do have to make monthly payments.

A reverse mortgage works differently.
It’s designed for homeowners typically 55+ who want to access equity from their home without monthly mortgage payments.

Instead, the interest gets added to the balance over time, and repayment usually happens when the home is sold.

So here’s the quick comparison:

HELOC:
✔️ Flexible borrowing
✔️ Lower interest rates typically
✔️ Requires income qualification
✔️ Monthly payments required

Reverse Mortgage:
✔️ No monthly mortgage payments
✔️ Easier income qualification
✔️ Access equity in retirement
✔️ Loan repaid later

Neither is “better”, it really depends on your goals, cash flow, and stage of life.

That’s why having the right strategy matters more than just picking a product.

DM me or comment if you want to know which option could make the most sense for your situation.

Ashley Treavajo
Level 2 Mortgage Agent - M20002171
BRX Mortgage 13463 
647-385-3825
[email protected]

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05/01/2026

We are finding many homeowner have debt right now. This is from the cost of living only going up, and some are still recovering from what the pandemic did.

And honestly, theres no judgement here.

Couple options you could have:

1. If you are up for renewal soon, we can turn that into a refinance. Consolidate your debt into your mortgage at renewal. No prepayment penalties as you made it to the end of your mortgage and high interest debt paid off - its a win win situation

2. Maybe you still have one for those super low rates but dont want to break your term. Many families are adding a Home Equity Line of Credit or a 2nd mortgage to help consolidate and ease up monthly cash flow.

Both can be great ways to get back on track.

Want to know more? Let's chat!

Ashley Treavajo
Level 1 Mortgage Agent - M20002171
BRX Mortgage 13463
Haick Mortgages
289-302-2211
[email protected]

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04/23/2026

Everyone’s obsessed with mortgage rates… but what if I told you the rate is NOT the whole story?

Don’t get me wrong rate matters. But focusing only on the lowest rate can actually cost you more in the long run.

Because mortgages aren’t just about the rate, they’re about the terms.

Can you break it early without a huge penalty?
Do you have flexibility if life changes?
Are there restrictions on how much you can pay down?

Some of the lowest rates come with the tightest rules and that’s where people get stuck.

I’ve seen people save a tiny bit on their rate… but pay thousands more in penalties when they needed to make a change.

The right mortgage should fit your life—not trap you in it.

So instead of asking ‘What’s your lowest rate?’
Start asking ‘What’s the right mortgage for me?’

That’s where we come in.

The lowest rate isn’t always the best deal. Strategy > rate every time. DM me to break down your options.

Ashley Treavajo
Level 1 Mortgage Agent - M20002171
BRX Mortgage 13463
Haick Mortgages
289-302-2211
[email protected]

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04/22/2026

Most people think a mortgage renewal is just a quick signature and move on, but that mindset could actually cost you thousands.

Here’s the truth: when your mortgage comes up for renewal, it’s one of the only times you can make big changes without penalties and that’s where refinancing can be a game changer.

Instead of simply accepting your lender’s renewal offer, this is your opportunity to step back and ask: my current mortgage still working for my life today?

Because a lot can change in a few years.

Maybe your income has increased, and you want to pay down debt faster.
Maybe you’re carrying high-interest credit cards or loans that could be consolidated into your mortgage at a much lower rate.
Maybe you need funds for renovations, investing, or helping your family.
Or maybe your financial goals have shifted entirely.

A refinance at renewal lets you:
✔ Access your home equity
✔ Consolidate debt and improve monthly cash flow
✔ Adjust your amortization to speed up payoff or lower payments
✔ Potentially secure better terms by shopping multiple lenders not just your current one

And here’s what most people don’t realize:

Your lender’s “easy” renewal offer is often not their most competitive option. It’s just the most convenient.

So instead of auto-renewing, take a moment to explore your options.

Because the right strategy at renewal isn’t just about getting a rate, It’s about setting yourself up financially for the next 3–5 years.

If your mortgage is coming up for renewal soon, it’s worth having a conversation before you sign anything.

Your future self will thank you.

Ashley Treavajo
Level 1 Mortgage Agent - M20002171
BRX Mortgage 13463
Haick Mortgages
289-302-2211
[email protected]

One year ago today, we experienced the scariest parenting moments to date. Weston had a febrile seizure at home, going u...
04/21/2026

One year ago today, we experienced the scariest parenting moments to date.

Weston had a febrile seizure at home, going unresponsive for what felt a million years while I was on the line with the 911 dispatcher yelling to Devon "is he still breathing?!?!"

I remember getting home almost 1 am and neither of us slept as we just watched him like he was a newborn all over again.

As the week went on, we found out he had influenza B and had a couple days of viral myositis as well.

Thankfully he hasnt had any other incidents like this, but whenever hes not well, these visions come back to me. We are hyper vigilant checking his temperature and making sure hes lucid.

Being a parent is the hardest job on this earth. But as with so much if motherhood, if you talk about the crap you go through, you realize you really aren't alone.

04/20/2026

Going through a separation can feel overwhelming. There are a lot of emotions, a lot of uncertainty, and a lot of financial decisions that suddenly matter more than ever.

This is where we step in.

Our role is to help bring clarity during a time that often feels chaotic. We take the time to understand your situation, your priorities, and what matters most for your next chapter, whether that’s staying in your home, buying a new one, or simply creating financial stability.

And you don’t have to navigate this alone.

Kelly is a Certified Divorce Specialist, which means she has specialized training in the financial complexities that come with separation and divorce. She understands how things like property division, support payments, and changing income can impact your mortgage options—and more importantly, how to structure solutions that protect your future.

And I have the privilege of learning from her on how to besr service our clients.

We work closely with you (and when needed, alongside your legal and financial professionals) to ensure everything is aligned and working in your best interest.

This isn’t just about securing a mortgage.

It’s about helping you move forward with confidence, with a clear plan, and with the support you deserve during one of life’s biggest transitions.

If you’re going through a separation or just starting to explore your options, we’re here to help every step of the way.

Ashley Treavajo
Level 1 Mortgage Agent - M20002171
BRX Mortgage 13463
Haick Mortgages
289-302-2211
[email protected]

04/15/2026

If you’re a first time home buyer and feel like you don’t know enough,good. You’re not supposed to.

One of the biggest misconceptions is thinking you need to have everything figured out before buying your first home.

The market.
Interest rates.
Mortgage options.
Legal steps.
Closing costs.

It’s a lot! And honestly, it’s not your job to master all of it.

That’s exactly where we come in.

Our job is to guide you step-by-step, explain things in plain language, and help you make confident decisions, not overwhelm you with information.

You don’t need to know everything.
You just need the right team.

If you’ve been waiting until you “feel ready” this is your sign.
Reach out and we’ll walk you through it.

Ashley Treavajo
Level 1 Mortgage Agent - M20002171
BRX Mortgage 13463
Haick Mortgages
289-302-2211
[email protected]


03/12/2026

Real talk. Raw post with zit on my face and bags under my eyes.

Parenting and running a biz is no joke.

Thankfully kiddo seems to be on the mend, but man my mama heart is heavy.

03/06/2026

Almost everything most people believe about reverse mortgages is wrong.

The biggest one: that you lose your home.

You do not.

In Canada, a reverse mortgage lets you access the equity you have built - while you stay on title, in your home, with no monthly mortgage payment required.

You worked decades for that equity. You should be able to use it.

If you are 55 or older and want to understand what this could look like for your situation, reach out. No obligation. Just a real conversation.

Ashley Treavajo, Mortgage Agent Level 1
BRX Mortgage | FSRA
[email protected] | 289-302-2211
bookings.haickmortgages.ca

03/03/2026

Homeowners — don’t auto-renew your mortgage.

If your mortgage is renewing in Ontario,
this is one of the ONLY times
you can make changes without paying a penalty.

And in today’s market, that matters.

Home values across Ontario have changed.
Rates have changed.
Your life has probably changed too.

So before you sign that renewal letter from your bank,
ask yourself:

Is this mortgage still aligned with my goals?

At renewal, Ontario homeowners can:

✔ Switch lenders for a more competitive rate
✔ Refinance up to 80% of your home’s value
✔ Consolidate high-interest debt
✔ Access equity for renovations
✔ Help a child with a down payment
✔ Adjust your amortization to improve cash flow
✔ Change from variable to fixed — or vice versa

And here’s the important part:

Your bank only offers their products.
But you’re allowed to explore the entire market.

Renewal isn’t just paperwork.
It’s leverage.

If your mortgage renews in the next 1–6 months in, review your options before you sign anything.
Smart homeowners plan — they don’t autopilot. 🏡✨

Ashley Treavajo
Level 1 Mortgage Agent - M20002171
BRX Mortgage 13463
647-385-3825
[email protected]

Address

Oshawa, ON

Telephone

+16473853825

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