Bright modern kitchen with white hexagon tile backsplash, white cabinets with orange handles, and stainless steel appliances including a stove and range hood. There is a window with a wooden Roman shade, a marble kitchen island, and various kitchen utensils and dishes.

Refinance Your Home With Confidence 

Your Mortgage. Your Goals. The Right Refinance.

Refinancing your mortgage can help you to lower your monthly payments, consolidate debts, and improve cash flow. A refinance can also allow you to access money to renovate, invest in more property, or help your children to purchase property. The equity in your home can be a great tool in moving your life forward in many ways!

REFINANCE YOUR HOME

Bedroom with a wooden bed frame, a white and wood sideboard, a round mirror, and large green houseplants.

Debt Consolidation - Refinancing to consolidate debt will improve your monthly cash flow relieving stress and helping you to achieve your goals and live a better day to day life!

Access a lower rate and change your current mortgage terms - A refinance can allow you to access a lower mortgage rate and change your terms to help you achieve your goals. 

Access Equity / Money -  
A refinance allows you to access money to renovate, invest, or cover life's big expenses.

Wondering if a refinance is right for you? Let me help you to review your situation and lay out your options so you can make an informed decision as to how refinancing can change your life.

A smiling woman with long blonde hair wearing a white blouse and dark pants sitting on a gray sofa next to a large window with sunlight, a lamp, a green plant, and decorative glass bottles.

My name is Cheri Hamm and I have been through it all leading me to become a dedicated Mortgage Broker with a passion for helping individuals and their families achieve their homeownership dreams. With a deep understanding of the financial landscape, I have built a successful career on providing expert guidance, personalized service, and unwavering support to my clients.

Beyond my professional life, I am a person of ambition and heart, always striving to make meaningful connections and a positive impact in my community. Whether navigating the complexities of the mortgage industry or offering valuable advice, I approach every challenge with determination and integrity.

My journey is one of hard work, resilience, and a commitment to excellence - a story of someone who not only helps others to secure homes but also builds relationships that last a lifetime.

I will continue to strive to be the best Mortgage Broker I can be in helping my clients achieve their goals and change their lives.

Refinancing with Cheri - Refinancing is not a one size fits all solution. I will take the time to understand your financial goals and match you with the right refinance solution. With exxpert guidance and clear communication, I will find you the best solution to move your forward.

Refinancing your mortgage can help you to lower your monthly payment, reduce your interest rate, access equity for big expenses, consolidate debt, or to pay off your loan faster. It is a flexible tool that can improve your financial health and set you up for financial success. 

I am a no judgement zone! I am here to help and not to judge. Whether you are re-building credit, catching up on debt, or just exploring options, I offer honest advice, real solutions, and a no-pressure approach. I am here to help you to make the best move for your future.

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Cheri was exactly what we needed during these tumultuous times with mortgage rates. She helped us move and refinance our mortgage from our bank to a different lender with the best rate possible. Answered my countless questions and showed incredible empathy. Always timely responses and very thorough explaining what to expect. If you’re needing a mortgage or remortgage we can’t recommend her enough.

Pamela

Cheri is one of the hardest working mortgage brokers I have ever met. I would recommend her to anyone. She went above and beyond to help us in a bad situation. She has relieved our stress, improved our situation, and helped us to get back on track. Thank you Cheri for helping me to breathe again. I look forward to a better life now. 

Kevin

Modern living room with gray sofa, decorative pillows, wooden coffee tables, plants, framed artwork, and a textured ottoman.

MY MISSION

To help you navigate the often complex world of mortgages with confidence and ease.   

I’m here to ensure you get the most competitive rates, the best loan terms, and personalized service tailored to your financial goals.

WHY WORK WITH ME

Expertise You Can Trust: With years of experience in the industry, I understand the ins and outs of the mortgage market. I stay up-to-date with the latest trends and loan programs so I can offer you the most relevant and up-to-date advice.

Personalized Approach: No two clients are the same, which is why I take the time to truly understand your needs, goals, and financial situation before recommending mortgage solutions. My approach is always tailored specifically to you.

End-to-End Support: From the moment we start working together to the day you close on your loan, I’m with you every step of the way. I pride myself on clear communication and ensuring you're informed at each stage of the process.

Strong Lender Relationships: Over the years, I’ve built solid relationships with a wide range of trusted lenders. This allows me to present you with the best mortgage products and terms, ensuring that you get the right deal for your situation.

No Judgement Zone: All information you give me is confidential. I am a no judgment zone. I will professionally review all information and provide you with the best solutions to achieve your goals. Think you carry too much debt? Please don’t ever worry about letting me know. I am here to help, not judge!