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Monday 8:30am - 9pm Tuesday 8:30am - 9pm Wednesday 8:30am - 9pm Thursday 8:30am - 9pm Friday 8:30am - 9pm Saturday 8:30am - 9pm

Gretchen Casey - Mortgages by Gretchen, Trevi Mortgage Network

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Oshawa, ON
Gretchen Casey - Mortgages by Gretchen, Trevi Mortgage Network

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Helping Canadians make confident mortgage decisions since 2004.

I simplify the mortgage process, advocate for your best interests, and find solutions that fit your goals, not just the lowest rate.🏡 Mortgage Agent, Mortgages by Gretchen, Pineapple Lic #12830
Schedule 30-Minute Discovery Session: https://calendly.com/gretchen-6/30-minute-meeting
Application: https://gopineapple.ca/gretchencasey/preapproval
More: https://linktr.ee/GretchenCasey

11/02/2026

I love exploring ways to provide a better experience for my mortgage customers and being inspired by my brilliant friends.💡
Jennifer Maxwell 🥂This Beautiful Life

And doing it over a latte and the best almond croissant I've ever had is a huge bonus! ☕️🥐
BROCK ST. ESPRESSO

10/31/2026

🎃 The scariest thing this Halloween isn't ghosts or goblins... It's signing a mortgage document you don't fully understand. 👻

Unexplained fees, prepayment penalties, a renewal that sneaks up on you. Those are the real monsters under the bed.

Good news: I'm a mortgage broker, which means I shop the market for you and turn on the lights so nothing jumps out at you later. 🔦

No tricks. Just a mortgage that's a treat. 🍬

Thinking about buying, renewing, or refinancing? Send me a message and let's talk.

10/28/2026

The Bank of Canada raised its policy rate by 0.25% today to 2.50%, its first hike since 2023. High oil prices have kept inflation near 3%, and the Bank wants to stop those costs from spreading to other prices. The economy has also been stronger than expected. The Bank says more hikes are possible, but it will proceed carefully.

What this means for you:

Home buyers: Variable rates rise with the prime, slightly lowering what you qualify for. A pre-approval rate hold can protect you from further increases.

Refinancers: With more hikes possible, waiting could cost more. Now is a good time to review your options.

Renewals: Variable payments can rise with the prime, depending on your lender. Renewing in the next few months? You may be able to lock in a rate and payment early. Let’s talk before your renewal letter arrives.

Questions about your mortgage? Send me a DM
or go to: https://calendly.com/gretchen-mortgagesbygretchen

10/27/2026

When is your mortgage maturing (renewal date)?

Check your annual statement if you are not sure. Some lenders reach out 6 months before that date; others wait until as late as 30 days before.

Being proactive and speaking to experts gives you the chance to get the right product for your needs. Here are some things to consider:
1. What are your short- and long-term goals? Do you plan to move in the next few years, retire, or have upcoming costs like a child entering university?
2. Can you afford a higher payment?
3. Would adding a home equity line of credit (HELOC) with a low rate and payment be valuable for emergencies?
4. Is the rate being offered competitive?
5. Would you like to add or remove someone from the title and mortgage?

I love helping people determine the best option for them. Ideally, reach out to me 4 to 6 months before the maturity date so you don't feel pressured to sign something that could cost you thousands more than the right option. You don't have to complete an application to get my advice.

Message me now or go here to schedule our meeting:
🗓️https://calendly.com/gretchen-mortgagesbygretchen

10/26/2026

On Monday, October 26, Durham Region residents will head to the polls to help decide who will lead their municipality and represent local priorities for the next four years.

What is a municipal election?

Municipal elections are held every four years, on the fourth Monday of October. Voting ballots will look a little different this year. The Province of Ontario has passed legislation that makes the Regional Chair position appointed rather than elected, so you won’t see Regional Chair candidates on your ballot this fall. However, in the municipal elections, voters will still choose:

Mayors and Councillors
School board trustees

Unlike provincial or federal elections, municipal elections in Ontario are non-partisan. This means candidates do not represent political parties; they run as individuals focused on local issues such as roads, recreation, housing, libraries, public safety, and community programs and services.

The current term of Regional Council began in 2022 and ends this year. The officials elected this October will serve their communities until 2030.

Vote today!
Visit www.durham.ca/elections for more information.

10/23/2026

Did you hear? 📢

The Bank of Canada has released the design for a new vertical $20 bill. It features provincial and territorial flowers, King Charles, the Vimy Ridge Memorial, and various other design and security elements.

This gives parents a conversation starter to talk with their kids about the value of money, starting to save early, and security in the digital age: how it's important to scrutinize what's in front of you and look at it from every angle. The new bill really exemplifies that with its attention to detail and interesting authentication features. It will circulate in late February 2027.

Need ideas for talking to your kids about money? Message me!

10/21/2026

A great way to buy real estate, refinance to pay debts, or qualify for a lower-rate mortgage is to involve siblings, parents, or adult children.

Right now, I am working with 3 different customers who are doing this:
1️⃣ 3 siblings are buying a home together
2️⃣ A homeowner is refinancing, and we are using contributory income from her son and her common-law partner to qualify and pay off debts
3️⃣ A couple refinanced 3 years ago and added their adult daughter to the application, and are now refinancing and removing their adult daughter from the mortgage and title, since they now qualify on their own

There are creative options to buy or refinance! Let's talk! 🙂
https://calendly.com/gretchen-mortgagesbygretchen

Your Mortgage Strategist, Gretchen

10/16/2026

Meet with me, and we will review your income, down payment, credit, and debt ratios. During our 30-minute call, I can give you a clear idea of how much you can qualify for in a mortgage.

🗓️Go to: calendly.com/gretchen-mortgagesbygretchen

10/14/2026

Let's say you've refinanced.

You've consolidated the credit cards and loans.
Your monthly payments are lower.
You finally feel like you can breathe again.

That's a great feeling.

But there's an important question to ask next:

What will make things different this time?

Maybe it's creating a realistic spending plan.
Maybe it's cancelling expenses you don't really value.
Maybe it's building an emergency fund.
Maybe it's finding a way to increase your income.
Maybe it's deciding what you actually want your money to help you create.

Consolidating debt can give you a fresh start, but the real opportunity is what you do next.

You don't need to become perfect with money.
You need a plan that works for your real life.
See what's possible. Then start building toward it.

Contact me, and we'll create a plan together.

10/13/2026

📢 Exciting Opportunity for Realtors & Investors in Durham!

This Wednesday at 7 p.m., join us at the Abilities Centre, Whitby, for the Durham REI Meeting:

* Introductions and Durham Updates💲
* Spotlight Speaker – Matthew Sukraj and Dani Bull – Kitchen Cabinet Tips – Measuring kitchens accurately, with a brief review of the benefits and considerations of different types of materials.💡
* Keynote Speaker – Quentin D’Souza – Creating Income Streams from Real Estate Profits 💰
* Keynote Speaker – Josh Pike and Drew Fenton – How Insurance Shifts Across Different Types of Real Estate, from Personal Homes to Rentals to Larger Multi-Unit Properties🦺
* Wrap-up and Burning Questions🔥
* Networking and Developing Your Power Team🗣️

Run by - Quentin DSouza

Let's discuss how I can assist you with your portfolio. 😀

Can't make it? Book a 30-minute Discovery Session with me now.
🗓️ https://calendly.com/gretchen-mortgagesbygretchen/30min

Address

190 Ice Palace Crescent
Oshawa, ON
L1L0H2

Opening Hours

Monday	8:30am - 9pm
Tuesday	8:30am - 9pm
Wednesday	8:30am - 9pm
Thursday	8:30am - 9pm
Friday	8:30am - 9pm
Saturday	8:30am - 9pm

Website

https://velocity-client.newton.ca/en/client/journey/home?shortCode=tzrz17i83ocq, https://calendly.com/gretchen-mortgages

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