Hilary Cochrane - Mortgage Agent

Hilary Cochrane - Mortgage Agent 🏠 Mortgage Agent, Level 2, Breezeful #13470
🇨🇦Veteran
📍Serving Renfrew County Locally
📍Serving Ontario/Canada Digitally

02/12/2026

Business is easier when we learn from each other. Join local professionals for Insights + Exchanges, a welcoming, low-pressure business social featuring real-world lessons and relaxed networking time.

11/09/2025

Breaking down a real property in Bonnechere Valley + what your actual monthly payment + closing costs could look like in today’s market. 🏡📊

If you’re looking for more info on this property check out !!

& If you’re house hunting in the valley, don’t guess — know your numbers before you make an offer. DM me to get started on a pre-approval today!!

What is “closing”?It’s the day the keys actually change hands. 🔑The lawyers finish the paperwork, the funds move, the ti...
11/09/2025

What is “closing”?

It’s the day the keys actually change hands. 🔑
The lawyers finish the paperwork, the funds move, the title transfers, and the home officially becomes yours.

You can shop, offer, negotiate, inspect, and get approved…
but nothing is real until closing day.

I break down mortgage terms like this every week — if there’s one you want me to explain next, comment below 👇

09/24/2025

Starter home in Pembroke ➡️ Here’s the real math on closing costs and monthly payments.
Spoiler: it’s not as scary as you think 😅🏡

💡 Mortgage Term of the Day: Payment FrequencyDid you know the way you schedule your mortgage payments can make a BIG dif...
08/25/2025

💡 Mortgage Term of the Day: Payment Frequency

Did you know the way you schedule your mortgage payments can make a BIG difference in how fast you pay off your home?

👉 Monthly = 12 payments per year
👉 Bi-weekly = 26 payments per year
👉 Accelerated Bi-weekly = 26 payments, BUT it’s like making 13 full monthly payments instead of 12 — meaning you knock years off your amortization and save $$$ in interest.

Small change, big impact.

Curious which payment option works best for your budget? Send me a message and I’ll break it down for your numbers. 🏡✨

💡 Mortgage Term of the Day: Broker/Agent 💡Think of a mortgage broker like a matchmaker — but instead of finding your sou...
08/12/2025

💡 Mortgage Term of the Day: Broker/Agent 💡

Think of a mortgage broker like a matchmaker — but instead of finding your soulmate, we find you the perfect mortgage.

We don’t work for just one bank. Instead, we have access to dozens of lenders, rates, and products you might not even know exist. That means:
✅ One application, multiple options
✅ Competitive rates
✅ A mortgage tailored to you

And here’s the best part — in most cases, our services are FREE to you. The lender pays us once your mortgage closes.

So before you walk into your bank and settle for a “one-size-fits-all” offer, remember: a broker can do shopping, negotiating, and heavy lifting for you too 😉 .

🏡 I’m a fully digital mortgage broker — I can help you get started with a pre-approval from the comfort of your couch.

08/04/2025

Breaking down the real cost of buying a home in Pembroke, Ontario 🏡💰Let’s talk closing costs, monthly payments, and what to expect! 📉📈Shoot Ian Constantineau a message for more info on this property

Let’s talk LTV — a term lenders throw around like it’s common knowledge 😆 .💰 LTV = Loan-to-ValueIt’s a fancy way of aski...
07/21/2025

Let’s talk LTV — a term lenders throw around like it’s common knowledge 😆 .

💰 LTV = Loan-to-Value
It’s a fancy way of asking:
How much of the home are you borrowing vs. how much are you putting down?

📊 Example:
Buy a $400,000 home
Put $80,000 down (20%)
You’re borrowing $320,000
➡️ That’s an LTV of 80%

Why it matters?
✅ It affects your approval
✅ It helps decide if you need mortgage insurance
✅ It can even impact your interest rate

More equity = lower risk = better options.

Thinking of buying soon? Wondering what your LTV would be?
Shoot me a message and I’ll crunch the numbers with you 🧠📲

💡 What’s a Mortgage Switch? 💡A mortgage switch means moving your existing mortgage from one lender to another — usually ...
06/24/2025

💡 What’s a Mortgage Switch? 💡

A mortgage switch means moving your existing mortgage from one lender to another — usually to get a better interest rate, lower payments, or improved terms. Unlike refinancing, a switch doesn’t increase your mortgage amount. It’s simply transferring your current balance to a new lender.

🔁 Why switch?
✅ Lower interest rates
✅ Better customer service
✅ Access to new features (like prepayment privileges)

Your mortgage is one of your biggest financial tools — let’s make sure it’s working for you. If you’re thinking of a switch it might be time to explore your options.

📲 Message me to learn if switching is the right move for you!

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Pembroke, ON
K8A6L2

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