Helping Albertans Make Smarter Mortgage Decisions Since 2004
Whether you're buying your first home, renewing, refinancing, investing, or consolidating debt, I'll help you find the right mortgage with personalized advice and access to over 40 of Canada's leading lenders.
Stay Connected — Mortgage Tips, Updates & Monthly Giveaways
Stay informed, stay connected, and enjoy a little bonus along the way. My monthly newsletter keeps clients updated on mortgage news, rate changes, financing tips, and market updates that may impact their future plans.
Subscribers can also enter my monthly giveaways, plus a few bigger giveaways throughout the year — including prizes like a laptop, iPad, or other client favourites.
It’s my way of keeping you informed, appreciated, and connected long after your mortgage funds.
Join My NewsletterHow Can I Help?
Whether you're buying your first home, renewing your mortgage, refinancing, investing, or consolidating debt, I'll guide you through the process and help you choose the mortgage that's right for you.
First-Time Home Buyers
Buying your first home can feel overwhelming. I’ll explain your options clearly, help you understand what you can afford, and guide you before you start shopping.
Learn MoreMortgage Renewals
Don’t automatically accept your bank’s renewal offer. I’ll compare options across multiple lenders to help you secure a mortgage that fits your future plans.
Learn MoreRefinancing
Access your home equity, consolidate higher-interest debt, lower payments, or restructure your mortgage with a strategy built around your goals.
Learn MoreInvestment Properties
Whether you’re buying your first rental or growing your portfolio, I’ll help you understand the financing options available for investment properties.
Learn MoreSelf-Employed Mortgages
Business owners often need more flexible lending options. I work with lenders who understand self-employed income and complex applications.
Learn MoreDebt Consolidation
Combine high-interest debts into one manageable payment and create a plan to improve your monthly cash flow.
Learn MoreWhy Choose Joanne?
You deserve mortgage advice that is personal, honest, and built around your goals — not a one-size-fits-all bank offer.
Personal Mortgage Advice
You work directly with me from start to finish, so your mortgage strategy is built around your needs, goals, and comfort level.
Learn MoreAccess to 40+ Lenders
I compare options across banks, credit unions, and mortgage lenders to help find a solution that fits your situation.
Learn MoreSupport Beyond Approval
My service doesn’t stop once your mortgage is approved. I’m here for renewals, refinancing questions, and long-term planning.
Learn MoreMortgage Process
A clear step-by-step process helps you feel confident from the first conversation to funding day.
1. Discovery Call
We start with a simple conversation about your goals, timeline, income, debts, and what you want your mortgage to accomplish.
Book a Call2. Review Options
I compare options across banks, credit unions, and mortgage lenders to help find a solution that fits your situation.
Learn More3. Approval & Funding
Once the right option is selected, I help guide the paperwork, approval conditions, and closing details through to funding.
Apply OnlineClient Reviews
Real feedback from clients who trusted me with one of the biggest financial decisions of their lives.
Clear Advice
Joanne made the mortgage process easy to understand and took the time to explain every option clearly.
Read ReviewsFast Communication
Clients appreciate quick responses, honest guidance, and knowing they are not left wondering what happens next.
Read ReviewsTrusted Support
From first-time buyers to renewals and refinances, clients value having one person guiding them from start to finish.
Read ReviewsBook a Mortgage Consultation
Have questions about buying, renewing, refinancing, or consolidating debt? Book a quick call and let’s talk through your options.
Book a Call
Schedule a quick mortgage consultation so we can review your goals, answer questions, and discuss your best next step.
Book NowStart an Application
Ready to get started? Complete the secure online application so I can review your details and help you move forward.
Apply OnlineMortgage Calculator
Want to estimate your mortgage payments before we chat? Use the calculator as a starting point, then book a call so I can walk you through the real numbers.
Estimate Your Payments
Use this mortgage calculator to get a quick estimate of payments, then connect with me so we can review your full mortgage options properly.
Use Mortgage Calculator
Joanne Dusterhoft | Mortgage Broker License #A00539945
Serving Spruce Grove,
Edmonton, and clients across Canada
Serving Spruce Grove,
Edmonton, and clients across Canada
Phone: 780-904-3519 Email:joanne@creativemortgages.ca
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