Joanne Dusterhoft - Your Creative Mortgage Team

Joanne Dusterhoft - Your Creative Mortgage Team Ph #780-904-3519 Mortgage Broker For 13+ years, Edmonton & Area. Get the right mortgage and best rate

Throughout my years in the mortgage industry, I have helped many people achieve their dreams of home ownership and financial security. I develop mortgage plans for my clients that often begin with their first purchase and carries them to their next mortgage need, whether it’s for a trade up home, real estate investing, vacation property, or debt consolidation. And that’s probably why my business i

s built primarily through referrals from satisfied clients. So please know the referral of your friends & family is the greatest compliment you could give me

Do you feel like shark bait?! 💰 Are you carrying $50,000 in credit card and unsecured line of credit debt? Let’s look at...
06/03/2026

Do you feel like shark bait?!

💰 Are you carrying $50,000 in credit card and unsecured line of credit debt? Let’s look at what that could be costing you.

Example:

🔹 $25,000 Credit Card @ 19.99% = approx. $5,000 interest per year
🔹 $25,000 Unsecured Line of Credit @ 9.99% = approx. $2,500 interest per year

Total interest cost: approximately $7,500 per year

Now compare that to rolling that same $50,000 into your mortgage at 4.35%:

🏡 $50,000 @ 4.35% = approximately $2,175 interest per year

✅ Potential annual interest savings: approximately $5,325

That’s over $440 per month staying in your pocket instead of going to the bank.

The best part? Many homeowners don’t realize they may already have enough equity in their home to consolidate these debts and significantly improve their monthly cash flow.

If you’re feeling squeezed by credit card payments, lines of credit, or multiple monthly obligations, let’s have a conversation. A quick review could save you thousands of dollars each year.

📞 Since 2004, I’ve been helping clients find smart mortgage solutions that improve their overall financial picture—not just their mortgage rate.

🏡 Why limit yourself to one lender when you can have access to over 20?When you walk into a bank, you’re getting one ban...
06/02/2026

🏡 Why limit yourself to one lender when you can have access to over 20?

When you walk into a bank, you’re getting one bank’s opinion and one bank’s products. When you work with me, you’re getting access to over 20 lenders, including many of the major banks, credit unions, and alternative lending options.

The best part? My service costs you absolutely nothing.

And here’s something many people don’t realize… the best mortgage isn’t always a 5-year fixed rate. Every client is different, and the right solution depends on your goals, plans, and financial situation.

My job is to compare the options, explain the pros and cons, and help you make an informed decision—not just sell you whatever one lender has available.

Before you sign that mortgage offer, ask yourself:

👉 Have I actually seen all my options?

Let’s find out.

Sometimes trying to get mortgage advice from your local bank branch feels a little like asking Mr. Bean to explain mortg...
05/29/2026

Sometimes trying to get mortgage advice from your local bank branch feels a little like asking Mr. Bean to explain mortgage underwriting. 😅

You ask a question… they blink.
You ask about options… they offer one product.
You ask if there’s a better solution… they tell you they’ll “check with someone.”

Here’s the thing: mortgages are not one-size-fits-all, and your biggest financial decision deserves more than a quick branch appointment with someone who may not specialize in mortgages every single day.

I’ve been doing mortgages since 2004, and my job is to know the lenders, the policies, the exceptions, the insurer rules, and the creative ways to help get your mortgage approved.

So ask yourself this…

Why are you trying to figure this out through your local bank branch when you can work with a trained mortgage professional who has been doing this for over 20 years?

The best part? Working with me costs you nothing!

Let’s make your mortgage make sense — without the confusion, the guessing, or the Mr. Bean moments. 😉

Starting Over Doesn’t Mean Starting Alone ❤️🏡Going through a divorce is one of life’s most challenging transitions. The ...
05/26/2026

Starting Over Doesn’t Mean Starting Alone ❤️🏡

Going through a divorce is one of life’s most challenging transitions. The thought of purchasing a home on a single income can feel overwhelming, stressful, and full of uncertainty.

The good news? It doesn’t have to be.

My role is to guide you through the mortgage process with clarity, patience, and honest advice every step of the way. Whether you’re concerned about qualifying, your down payment, support payments, or simply understanding your options, I’m here to help make the process feel manageable — not nerve-racking.

Since 2004, I’ve helped many clients navigate major life changes and secure a mortgage that fits their new financial reality. My goal isn’t just to get your mortgage approved; it’s to ensure you feel comfortable, confident, and supported throughout the entire journey.

If you’re facing a separation or divorce and wondering what homeownership might look like moving forward, let’s have a conversation. You may have more options than you realize.

Your next chapter starts with a plan, and you don’t have to figure it out alone.

📞 780-904-3519
🌐 www.creativemortgages.ca to book in a call today.

☁️ Don’t keep your head in the clouds when it comes to your finances.One of the biggest issues I see with clients prepar...
05/22/2026

☁️ Don’t keep your head in the clouds when it comes to your finances.

One of the biggest issues I see with clients preparing for a mortgage is credit card balances creeping too high — and sometimes even going over the limit.

This matters more than many realize.

High credit card usage can lower your credit score and may create challenges when it comes time for your next mortgage approval. Even if you make your payments on time, carrying balances too close to your limit can still hurt your overall credit profile.

Whether you’re buying a home, refinancing, or your mortgage renewal is coming up, staying on top of your credit cards, payments, and overall debt is a must.

A little preparation now can save a lot of stress later.

Thinking about your next mortgage move? Let’s talk before it becomes urgent.

📲 Book a call through my website: www.creativemortgages.ca

What Canadian wouldn't be cheering for Montreal Canadians heading into the next round of the Stanley Cup playoffs. It w...
05/19/2026

What Canadian wouldn't be cheering for Montreal Canadians heading into the next round of the Stanley Cup playoffs. It was one heck of a game yesterday.

Let me tell you it's also been one busy long weekend!! 🏡

It’s clear there are many clients out there actively finding their next home, and with the market moving quickly, my inbox and application volume have been very full.

I truly appreciate everyone’s patience as I work through files, approvals, questions, and client calls as quickly as possible. My goal is always to give every client the attention and service they deserve.

If you need assistance with your existing mortgage, have a mortgage renewal coming up, or are looking to purchase a home, I strongly recommend booking a call directly through my website so we can get the process started properly.

📲 Visit: www.creativemortgages.ca

Whether you’re buying, renewing, refinancing, or just need mortgage advice, I’m here to help.

Heading into the long weekend feeling very ready for a little rest after a hectic week of rush files, fast timelines, an...
05/15/2026

Heading into the long weekend feeling very ready for a little rest after a hectic week of rush files, fast timelines, and a very busy real estate market.

A big reminder: please do not wait until the last minute to deal with your mortgage renewal. When it gets left too long, it can create unnecessary stress, limited options, and a mad scramble that nobody needs.

This week was full of clients needing urgent support, along with buyers trying to move quickly as homes are selling almost as fast as they are being listed. In markets like this, having your mortgage strategy in place matters.

I take client service seriously — which is why many evenings during the week I’m taking meetings until nearly 8 PM to help clients get answers, review options, and keep things moving.

Whether you’re buying, renewing, refinancing, or just need honest mortgage advice, don’t wait until it becomes urgent.

Enjoy the long weekend — and when you’re ready, I’m here to help.

Not every mortgage approval is simple — and that’s exactly why experience matters.Some files have extra layers: self-emp...
05/14/2026

Not every mortgage approval is simple — and that’s exactly why experience matters.

Some files have extra layers: self-employed income, bruised credit, high debt ratios, unique property types, recent job changes, or lenders that just don’t see the full picture.

That’s where I come in.

As a mortgage broker since 2004, I don’t shy away from the tougher files. I dig in, look for solutions, and work hard to present your application in the strongest possible way.

My job is to be creative, strategic, and persistent — highlighting the strengths of your file so lenders can see what makes sense, not just what shows up on paper.

A “no” from one lender doesn’t always mean no.
It may just mean you need the right broker fighting for you.

Thinking about buying, refinancing, or renewing? Let’s look at your options before you assume it can’t be done.

iF your mortgage is up for renewal in the next 6 months, doing nothing could cost you THOUSANDS.💰💰Too many people simply...
05/13/2026

iF your mortgage is up for renewal in the next 6 months, doing nothing could cost you THOUSANDS.💰💰

Too many people simply sign their bank’s renewal offer without comparing rates or options. That’s exactly what the banks hope you do.

Why wouldn’t you compare your bank’s offer against other lenders to make sure it’s truly competitive?

A quick review now could mean a lower payment, better rate, and more flexibility for your next term. Don’t wait until the last minute and lose negotiating power.

Reach out today and let’s make sure your renewal is working FOR you — not just your bank.

Who doesn’t like to feel appreciated?! It’s nice to know clients appreciate the hard work I put in for them. ❤️
05/12/2026

Who doesn’t like to feel appreciated?!

It’s nice to know clients appreciate the hard work I put in for them. ❤️

Address

Spruce Grove, AB
T7X4M1

Opening Hours

Monday 9am - 8pm
Tuesday 9am - 8pm
Wednesday 9am - 8pm
Thursday 9am - 7pm
Friday 9am - 5pm

Telephone

+17809043519

Website

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