Terri Hitchcock Mortgages

Terri Hitchcock Mortgages TMG The Mortgage Group Canada Inc. Victoria BC based. Purchasing a home is an important decision and you should be confident about your investment.

Specalizing in helping first time home buyers and busy families looking to purchase or refinance.

2019 - 2024 Top 10%. 2025 Top 5% in mortgage production nationally. I will work with you personally to offer you valuable insight throughout the process, save you time and find the mortgage that best suits your situation.

05/31/2026

Thank you and for connecting this incredible group of women. Who knew dirt, water, flowers and snacks could make us all so happy!

Getting pre-approved is an important first step—it gives you a clearer picture of what you may qualify for and helps you...
05/29/2026

Getting pre-approved is an important first step—it gives you a clearer picture of what you may qualify for and helps you start your home search with confidence.

But here’s something many buyers don’t realize:

Most mortgage pre-approvals include a rate hold for a limited time only, often between 60–120 days, depending on the lender.

Here’s what can happen when that period expires:

⏳ Your held rate may no longer be available
If you haven’t purchased a home and finalized your mortgage before the expiry date, the lender may need to reassess your application using current rates.

📉 Market conditions can change
If interest rates rise during your home search, your new qualifying rate and monthly payment could look different.

💰 Your purchasing power may shift
Higher rates can affect how much you qualify to borrow, which may impact your budget.

The takeaway?
A pre-approval is a great planning tool, but it’s not a permanent guarantee.

If your pre-approval is nearing expiry, or you’re thinking about buying this year, it’s a good idea to review your numbers and make sure everything still aligns with today’s market.

Short answer: NO!I hear this every year around this time.Buyers start thinking:“I should’ve started earlier…”“Maybe I’ll...
05/29/2026

Short answer: NO!

I hear this every year around this time.

Buyers start thinking:
“I should’ve started earlier…”
“Maybe I’ll just wait until next year…”

But here’s the reality:

👉 We’re just getting into the busy season.

There are still:
✔️ New listings coming on the market
✔️ Opportunities that haven’t shown up yet
✔️ Time to get fully prepared and confident

And honestly? Some of the best purchases happen when buyers stop rushing and start planning.

Waiting another year doesn’t always make things easier; it just delays getting into the market.

If buying this summer is on your mind, you’re not late; you’re right on track.

Let’s map out a plan so you feel ready when the right place comes along.

📱250.588.6503
💌[email protected]
🔗https://www.terrihitchcock.com/

A lot of buyers wait until they’ve “found the one” to get serious.That’s usually where things go sideways.Here’s what ac...
05/25/2026

A lot of buyers wait until they’ve “found the one” to get serious.
That’s usually where things go sideways.

Here’s what actually sets you up to win:

✅ 1. Get properly pre-approved
Not just a quick online estimate, real numbers, real options.

✅ 2. Understand your monthly comfort
It’s not about max purchase price, it’s about lifestyle.

✅ 3. Know your upfront costs
Closing costs, deposits, and adjustments add up quickly.

✅ 4. Have a game plan
If the right home shows up tomorrow… are you ready?

Because in this market, hesitation can cost you the home.

The good news?
Once you’re set up properly, everything feels a lot less stressful.
If you want help getting your plan in place, let's talk.

It’s not random; there’s actually a pattern.Spring is when everything lines up:☀️ Better weather = more showings🏡 More l...
05/21/2026

It’s not random; there’s actually a pattern.

Spring is when everything lines up:
☀️ Better weather = more showings
🏡 More listings hit the market
👨‍👩‍👧 Families want to move before the school year starts

Which means… more competition.

But here’s the part most people miss:
👉 Busy doesn’t mean “bad time to buy”

It just means you need a strategy.

The buyers who win in May aren’t the fastest; they’re the most prepared:
✔️ Pre-approved (not just pre-qualified)
✔️ Clear on budget and monthly comfort
✔️ Ready to act when the right home shows up

If you’re thinking about buying this spring, you’re not behind, you’re right on time.

And if you’re not sure where to start, I’m always happy to walk you through it 🤍

Let's Talk.

📱250.588.6503
💌[email protected]
🔗https://www.terrihitchcock.com/

From "Where do we even start?" to "We got the keys!" 🔑First-time home buying doesn't have to be a stressful rite of pass...
05/20/2026

From "Where do we even start?" to "We got the keys!" 🔑
First-time home buying doesn't have to be a stressful rite of passage.

When we work together, my job is to handle the complex mortgage math so you can focus on the exciting part: finding a home you love.

I’m so grateful for reviews like this! Being a part of such a huge milestone is exactly why I do what I do.

Are you thinking about making the jump into your first home this season? Let’s get connected and see what’s possible for you!

Beautiful weather. Long weekend energy. But sometimes clarity is only found into the woods. 🌲
05/18/2026

Beautiful weather. Long weekend energy. But sometimes clarity is only found into the woods. 🌲

“…I highly recommend Terri for anyone looking for a first time mortgage, she will guide you step by step and celebrate w...
05/15/2026

“…I highly recommend Terri for anyone looking for a first time mortgage, she will guide you step by step and celebrate with you at the end. Choosing Terri, you can’t go wrong.”

Thank you, Anna, for taking the time to share your experience. 💛

Home means so many different things to so many people.And for many of us, it starts with the love of a mother or mother ...
05/11/2026

Home means so many different things to so many people.
And for many of us, it starts with the love of a mother or mother figure.

Wishing a very happy Mother’s Day to all the amazing women who help make life feel like home.

Good news for buyers and sellers: the Greater Victoria market stayed balanced in April.More listings, steady prices, and...
05/07/2026

Good news for buyers and sellers: the Greater Victoria market stayed balanced in April.

More listings, steady prices, and active buyers are making this spring feel a little more manageable.

If you’re wondering whether now is a good time to make a move, let’s talk about your numbers.

📱250.588.6503
💌[email protected]
🔗https://www.terrihitchcock.com/

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Victoria, BC

Telephone

+12505886503

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