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

Joanne Dusterhoft - Your Creative Mortgage Team

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Canada
Spruce Grove, AB
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

09/07/2026

Had a wonderful long weekend in the mountains 🏔️ many hikes, enjoying our beautiful sights, enjoying just the simple pleasures 🇨🇦 🍁 has to offer. ❤️

09/02/2026

🏦 GOOD NEWS FOR VARIABLE-RATE MORTGAGE & HELOC CLIENTS! 🎉

The Bank of Canada did NOT raise its key interest rate today, keeping it at 2.25%.

What does that mean for you?

👉 If you have a variable-rate mortgage, there’s no Bank of Canada-driven increase to your rate today.

👉 If you have a Home Equity Line of Credit (HELOC), this is also welcome news since HELOC rates are generally tied to your lender’s Prime Rate.

After all the rate volatility Canadians have experienced over the past few years, a HOLD is good news! 🙌

📅 Next Bank of Canada rate announcement: October 28, 2026

Have a variable mortgage or HELOC and wondering whether you should stay the course, lock into a fixed rate, or review your options?

📲 Reach out to me. I’m always happy to review your mortgage and help you make sense of your options.

Joanne | Creative Mortgages
Relationships Beyond the Mortgage

08/31/2026

Great weekend in Cadomin … pulled off no rain. 🌧️

08/25/2026

Thank you for trusting me with one of life’s biggest financial decisions.

08/24/2026

Had a good weekend enjoying friends, the ☀️ and some good 🍷.

Now, it’s time to get back to work!

08/20/2026

✨ I Like to Dazzle My Clients — With SERVICE! ✨

Anyone can submit a mortgage application. It’s what happens when things aren’t straightforward that really matters.

💪 I work hard for my clients.
📞 I stay in touch and keep you updated.
🔍 I explore the options and look for solutions.
🚪 And when one door closes, I’m not afraid to start knocking on others.

When it comes to getting a mortgage approved, “no” doesn’t automatically mean the conversation is over. Sometimes it just means we need to find a different lender, program or strategy.

I’ve been helping clients with mortgages since 2004, and I still bring that same determination to every file.

✨ So if you want a mortgage broker who will work SUPER hard for you and treat your mortgage like it actually matters — look no further!

🏡 Creative Mortgages

💻 www.creativemortgages.ca

Relationships Beyond the Mortgage.

08/18/2026

🏦 WHY WORK AROUND BANK HOURS WHEN YOUR MORTGAGE BROKER CAN WORK AROUND YOU?

Life is busy. Taking time off work just to talk about your mortgage shouldn’t have to be part of the process.

That’s why I don’t work traditional bank hours.

📅 You have direct access to my calendar right from my website at creativemortgages.ca. Pick a time that works for YOU — I offer evening appointments until 8 PM most nights.

No leaving work early.
No waiting days for an appointment.
No trying to squeeze a mortgage conversation into your lunch break.

But accessibility doesn’t end after that first appointment.

⭐ My many Google and Facebook reviews speak volumes about the service I provide. I’ve built my business by looking after my clients, staying in touch and making sure they always know exactly how to reach me — not just when they need a mortgage today, but years down the road when they need advice again.

I’ve been helping clients with their mortgages since 2004, and I believe your mortgage broker should be someone you actually have a relationship with — not someone you have to go searching for when renewal time rolls around.

That’s why my motto really does sum up how I run my business:

❤️ Relationships Beyond the Mortgage.

Ready to get the ball rolling? Book directly into my calendar at creativemortgages.ca — even from your sofa after work. 🛋️🏡

08/17/2026

🏡 YOU’RE NOT JUST A MORTGAGE NUMBER TO ME.

There are a lot of mortgage brokers out there. So what makes me different?

For me, getting your mortgage funded isn’t where our relationship ends — it’s where it begins.

I’ve been helping clients with their mortgages since 2004, and one thing I’ve learned is that this industry NEVER stops changing. Rates change. Lending guidelines change. New mortgage programs become available. And sometimes an option that didn’t exist for you a year ago could make a big difference today.

That’s why I work hard to stay in touch with my clients long after their mortgage closes.

I want you to know when something changes that could benefit you — whether that means saving money, restructuring your mortgage, accessing equity, preparing for renewal or simply making sure your current mortgage still makes sense.

I don’t want to be the broker you used once and never heard from again.

❤️ I want to be your mortgage partner for years to come.

With over 20 years of experience, I’ve helped clients through just about every type of mortgage situation — and I’m incredibly proud that my client reviews speak to the level of service and effort I put into every mortgage.

So, if you want a mortgage broker who knows your name, keeps in touch, watches for opportunities and genuinely treats your mortgage like it matters…

I’m your gal! 🙋‍♀️🏡

Relationships Beyond the Mortgage.

08/15/2026

And just like that my nephew is off to Carpentry post secondary school. Super proud of this guy❤️

08/13/2026

💡 DID YOU KNOW?

Your Variable Mortgage Doesn’t Necessarily Mean You’re Stuck With Variable!

This is something a lot of homeowners don’t realize 👇

If you choose a closed variable-rate mortgage, you may have the flexibility to convert into a fixed-rate mortgage later — without waiting until your mortgage comes up for renewal.

🏡 Here’s why that can be valuable:
You might choose variable today because you like the rate or flexibility…

📉 But down the road, fixed rates could become more attractive.
If you decide you’d rather have the certainty of a fixed payment, many lenders allow you to convert your variable mortgage into a fixed term that is closest to the time remaining on your existing mortgage.

Example: You originally chose a 5-year variable mortgage and 2 years have passed. If you decide it’s time to lock in, your lender may allow you to move into a fixed term that closely matches the 3 years remaining.

✨ That means choosing variable today doesn’t necessarily mean staying variable for the entire term.
There are pros and cons to both fixed and variable mortgages, and the right choice depends on your situation — but knowing your options can make a BIG difference.

📲 Thinking about buying, renewing or wondering whether fixed or variable makes more sense for you?
Book a call with me. I’ll help you understand the options so you can make a decision that actually fits YOU.

🌐 www.creativemortgages.ca

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

https://www.creativemortgages.ca/

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