RELATIONSHIPS BEYOND THE MORTGAGEYour first home
Understand your budget, down payment, and pre-approval so you can move forward with confidence.
Let’s plan your purchase ↗Spruce Grove, Edmonton and area · Across CanadaSo I’ve 100% got you covered!
Your mortgage.
Your goals.
My personal attention.
Buying, renewing, or making your next move? I’ll help you understand your options and find a mortgage that fits your life.
Work directly with Joanne. From your first question to funding day.
My Canadian Mortgage App — made personal for you ↗
Joanne DusterhoftYOUR PERSONAL MORTGAGE CONCIERGE
Since 2004Helping Albertans with their mortgagesOne dedicated brokerPersonal advice, every step of the wayEvening appointmentsAvailable until 8:00 pmMore lender optionsBanks, credit unions & alternative lenders
Trusted by clients since 2004
5-Star Google Reviews
Kind words from clients mean the world.
I’m grateful to every client who takes the time to share their experience. Read the reviews from people I’ve had the privilege of helping with their mortgage.
Read my Google reviews ↗A mortgage for your next chapter
Where are you
in your mortgage journey?
Every situation is different. Let’s start with yours, then explore the financing options that make sense for you.
A fresh look at renewal
Before you sign your lender’s offer, let’s review your goals and compare your mortgage options.
Review my renewal ↗Make your equity work
Explore refinancing for renovations, debt consolidation, or a change in your financial plans.
Explore my options ↗Your business. Your home.
Get guidance on documenting your income and finding lenders who understand business owners.
Discuss my situation ↗Build your next opportunity
Whether it’s your first rental or another property, understand the financing before you commit.
Talk investment financing ↗Ready for a new chapter
Buying your next home? Let’s review your current mortgage and plan the transition together.
Plan my next move ↗Meet your mortgage broker
Experience matters.
So does having someone
in your corner.
I’m Joanne. Since 2004, I’ve helped Albertans navigate their mortgage decisions with honest advice and personal attention.
I take the time to understand what matters to you, explain the details, and keep you informed—because a mortgage is about more than a rate.
Let’s get to know each other ↗
A familiar face from my socials
A little more personal.
If you follow me online, you may already recognise my four-legged sidekick. He makes regular appearances—and brings a little extra personality to the conversation.
Advice you can understand
I’ll explain the payments, flexibility, and trade-offs so you can make an informed decision.
Options beyond one bank
I work with a range of lenders to explore solutions suited to your circumstances.
A direct line to your broker
You’ll work with me personally, with evening appointments available when your day is full.
Relationships beyond the mortgage
My support continues after funding, as your life and mortgage needs change.
Clear steps. Personal guidance.
Let’s make your next step simple.
Explore my mortgage calculator hubPersonalized tools to help you plan your next stepTell me about your goals
Book a conversation. We’ll talk about your plans, timing, and the questions on your mind.
Explore your options
Complete your application and provide the documents I request. I’ll review your situation and explain the available choices.
Move forward with support
I’ll guide you through the lender’s requirements and keep you informed through approval and funding.
Renewing in the coming months?
Don’t put your renewal off.
Protect your rate up to 120 days early.
I can secure a rate hold up to 120 days before your mortgage maturity date. That helps protect you if rates rise during that window. And if rates fall, I can request a lower rate for you—so starting early can work in your favour either way.
Rate holds and reductions are subject to lender policies, eligibility, and timing.
A little clarity on the numbers
What could your
payment look like?
Use this simple estimate as a starting point. Then let’s talk about the mortgage structure that fits your budget and goals.
Illustration only. The interest rate below is a sample input, not a rate offer. This estimate uses a fixed rate with Canadian semi-annual compounding and monthly payments. It excludes property taxes, insurance premiums, fees, and lender-specific calculations. Approval and terms depend on your circumstances.
Estimated monthly paymentPrincipal and interest only
Relationships beyond the mortgage
Keep me in your corner.
Even between mortgages.
Helpful tools, updates worth reading, and a little fun along the way. Here’s how we can stay connected.
My Canadian Mortgage App
A helpful next step.
Right in your pocket.
Download my personalized Canadian Mortgage App and keep a useful mortgage resource close at hand—whether you’re planning your first home, considering your next move, or simply thinking ahead.
Use my personal app link so you stay connected with me when you’re ready to talk through your options.
Get my mortgage app ↗Opens my personalized app page. Phone illustration is a design concept.
A little insight. A little extra.
Your monthly
mortgage catch-up.
Join my monthly newsletter for mortgage news, market updates, and practical tips to help you plan your next move.
Monthlygiveaways to enter
2 big prizeseach year
Stay informed—and look out for your chance to win. Entry details and giveaway terms are shared with each promotion.
Join my newsletter ↗Let’s stay in touch
A little knowledge
can go a long way.
Follow me on Facebook and Instagram for updates that help you stay aware of what’s happening—and what questions to ask about your own mortgage.
Your questions, answered
A good place to start.
When should I contact you about my renewal?
Reach out up to 120 days before your mortgage maturity date. With eligible lenders, I can secure a rate hold to help protect you against increases during that window and request a lower rate if rates fall. Rate holds and reductions depend on lender policies, eligibility, and timing. Starting early also gives us time to review your goals and compare your options.
Can we handle my mortgage remotely?
Yes. We can connect by phone or online, and you can complete your application from home. I’ll let you know which documents are needed and how to provide them.
What should I prepare for a pre-approval?
Start with your application. I’ll confirm the documents needed for your situation, which may include income information, down payment details, and information about your debts. A pre-approval is conditional and does not guarantee final financing for a property.
Can you help if I’m self-employed?
Yes. I’ll review how your income is documented and explore lenders and programs that may suit your circumstances. Requirements depend on the lender, property, and application.
2026 recognition
Recognition built on relationships.
I’m proud to share my 2026 INDI Diamond and Protection Award recognition. Behind every milestone are the clients who trust me and the people who refer their friends and family. Thank you for being part of my story.
Your next chapter starts here
Let’s find a mortgage
that fits your life.
You don’t need all the answers before we talk. Bring your questions, your plans, and your goals. I’ll help with the next step.