Inflation News April 2024
April 16, 2024
Each Office Independently Owned & Operated
Cheryl Johns is a dedicated professional with a heart for serving others. Her career spans from her tenure at Coast Capital Savings Credit Union, where she honed her financial expertise from 1992 to 2005, before transitioning seamlessly into becoming a licensed mortgage broker. Her passion for helping others extends beyond numbers and transactions; it's rooted in genuine care and a commitment to putting her clients' needs first.
In her tenure as a licensed mortgage professional Cheryl is proud to have earned one of the highest DLC broker awards of acknowledgement being the Elite Hall of Fame Award based on successful funded mortgage transactions.
Outside her thriving career, Cheryl's world revolves around her beloved family and cherished friends. She finds joy in simple pleasures, revelling in laughter, and creating moments of fun. Her clients hold a special place in her heart, as she operates with the unwavering belief that their best interests are paramount, valuing their trust above all else. Cheryl's dedication to her clients is unwavering; she operates independently, working for them rather than for financial institutions.
In addition to her professional pursuits, Cheryl finds fulfillment as a mother to three incredible kids—two daughters and a son. She takes immense pride in their accomplishments and the remarkable individuals they've grown into. Cheryl has been an active participant in the Westshore community, deeply involved in minor hockey and lacrosse activities with her son, and as a devoted Dance Mom supporting her daughters. Her life embodies the balance of professional success and the fulfillment found in family and community involvement.
The choice is yours as there are two ways to get a mortgage in Canada: from a bank or from a licensed mortgage professional like Cheryl Johns of DLC Modern Mortgage. A bank only offers products from its institution. As a mortgage professional, Cheryl has access to more than 50 lenders including major banks, credit unions and other financial institutions.
Cheryl was amazing to work with. She listened to what our needs were and went above and beyond to meet them! Friendly, thoughtful and her expert advice made the process of buying our new home seem less
Devin
Cheryl is professional and knowledgeable, and is just a warm person that’s a pleasure to work with.
Throughout the process, she presented me with detailed options and solutions as my circumstances changed. She’s highly efficient and is quick to respond and prepare documents. Her expertise was a huge asset – she welcomes questions and answers them very thoroughly and patiently.
I really appreciated her help!
G Y
Cheryl is amazing! She has helped me with 2 different purchases and 2 mortgage renewals so far. Each time it amazes me what an amazing deal she finds and how easy she makes everything. If you need your own “mortgage lady” definitely call Cheryl!
Melissa
Professionalism, Quality, Responsiveness, Value
What more can I say? Cheryl is an amazing, kind and caring person. I had a lot on my plate but she made the whole process of refinancing my mortgage very simple. She is professional, knowledgeable and friendly. She is so wonderful to work with!
Harry
Cheryl made our home buying dreams come true! As two young professionals we didn’t know what getting a mortgage would look like (or if we even could qualify at all), but Cheryl made everything incredibly straight-forward and easy to understand. We felt like we were in good hands from start to finish, and we were able to get an amazing rate on our new condo! Thanks Cheryl!!
Swell
Positive, Professionalism, Responsiveness
Cheryl is the perfect person to help you with your mortgage. Her industry knowledge combined with her drive to provide the results you are looking for will be rewarded for many years to come.
I think in business you want to know you are dealing with good people, and Cheryl not only has many years of experience combined with eye for detail and responsive.. she is caring.. kind and wants you to be happy with your results and that is what really motivates her more than anything. I would highly recommend Cheryl to any family or business you will not be disappointed.
J B
Cheryl did such a wonderful job helping my husband and I through our first time buying a home. She was so positive and helpful, it made the stressful situation of buying a home in this market much more pleasant!! Will recommend Cheryl to all my friends and family looking to buy.
Amy
Cheryl is actually amazing. She’s walked me and my anxious soul through multiple mortgage quotes and renewals now, and has always provided excellent advice. I would recommend her without hesitation to anyone looking to buy a home or renew a mortgage.
Amanda
I can’t say enough wonderful things about Cheryl. Over the past 20 years Cheryl has been our Mortgage Broker. She is absolutely the best. We feel 100% taken care of from start to finish. The process has been seamless every time. If you are looking for a professional, educated mortgage Broker, Cheryl is your person. She doesn’t stop working until she finds you the best possible rates. Thank you for taking care of us and making the process stress free. We appreciate all your hard work and dedication to your profession.
Mike and Lisa
Positive, Professionalism, Quality, Responsiveness, Value
Cheryl was referred to us from our family friend Karen Bales with great enthusiasm, I understood the reason why after our interactions together. During her working hours Cheryl was responsive, knowledgeable, easy to deal with, and strong in her understanding of mortgages.
Would I use Cheryl again for my mortgage needs? Yes absolutely. It was such an easy and painless process and Cheryl’s problem solving is why we are in the home we are in today. Truly a great experience overall.
T B
Cheryl is so knowledgeable, efficient, an excellent communicator and a lovely person who cares about meeting my needs. We have used Cheryl several times to secure mortgages and each experience has been a very good. one. I have recommended Cheryl to family and friends because she is simply the best.
SF
I have been working with Cheryl since 2009 to ask her for help on our mortgage needs. She is a wonderful broker who goes above and beyond in helping her clients. She was able to quell our worries in a recent home purchase and get us a great deal on our mortgage. I am happy to have worked with Cheryl in our major life decisions and she has been so wonderful to us. I highly recommend seeking her services if you need help with securing a mortgage and needing someone to talk to about your home purchase anxieties!
DL
Cheryl is amazing! Very patient and responsive. When she walked us through the process, it really helped ease our concerns. She is very organized and thorough so you don’t lost in the chaos. Couldn’t ask for a more professional and knowledgeable broker for a first timer!
JL Victoria BC
Cheryl Johns was fabulous to work with! So personable, very responsive and professional. My husband and I had been working with Cheryl for a year and a half until we finally found our new home. Cheryl was very patient with us as we had to renew our information a few times. Once we found our house, I felt Cheryl was genuinely excited for us and our new venture! Highly recommend working with Cheryl Johns!
MP Victoria BC
A.N.B
Thank you Cheryl!!
J and L Parker
L.W.P
Thank you for everything you did to make this happen!! We were so impressed by your efficiency and skills!!
KG
What more is there to say other than Cheryl is the best mortgage broker anywhere! We have known Cheryl for several years now and she consistently goes out of her way time and again to not only find us the best rates but also ensuring everything is organized and ready to complete our purchase.
Her professionalism and focus on treating her clients as if we are family cannot be understated. We truly appreciate Cheryl as our broker and also her friendship!
M & S
From the moment we met Cheryl we knew we were in good hands and that she genuinely cares about her clients. She is so friendly I felt we had known her forever…and her knowledge is bar none.
Cheryl worked tirelessly for us and surpassed our expectations. We got a much better deal than trying to go to one of the “big banks” and we couldn’t be happier.
Buying, selling and especially moving are very stressful; but with Cheryl as part of your team you have nothing to worry about. I would not hesitate in recommending her to my friends and family.
We can’t thank you enough Cheryl and look forward to working with you again.
Norma M. & Carol V.
I approached Cheryl Johns because… We have used her in the past and always had Excellent professional help
She helped me by… Getting us a mortgage we were happy with
The result was… Getting the house we always wanted
One thing I liked was her… Professionalism
I found the experience… 100% Excellent
I would recommend Cheryl to people who need… A new Mortgage or to renew their mortgage
K.L.
When my husband and I decided to put an offer in on a house, things happened very quickly and we weren’t fully prepared with our financing. We were first time homebuyers and figuring things out as we went. Cheryl was extremely helpful in pulling everything together in time for our conditions to be met. She is super personable and very accessible to communicate with – plus, she got us a great rate for our mortgage.
M&N
I have been using Cheryl for over a decade now and she was recommended to me by an old trusted friend. Having never dealt with a mortgage specialist before I was a bit hesitant. How could it be possible that Cheryl could negotiate better rates? Wow, was I surprised. The first time I used her she managed to knock several percentage points off the rate I had been paying at XXX. On the second occasion she got me a lender that was ver flexible with payment options when I was fortunate enough to inherit a small legacy to help with my mortgage. And my most recent dealings with her for bridge financing–well let’s just say she did the nearly impossible. Honestly she has made such a huge difference in my financial situation by negotiating such good rates that even as a single income earner I could put money aside and make occasional lump sum payments. Over the period of my various mortgages thanks to her I have saved thousands of dollars. Cheryl you are the best and I will always come to you for any mortgage related needs and rest assured all my friends will too!
CT
This lady is one amazing mortgage broker. I would recommend her to all my friends.
BB
Cheryl has helped us with two mortgages, she is fantastic. She finds the best rates, and has answers to all your questions. Highly recommend letting her help you.
R&R S
Cheryl has helped me with 3 different mortgages and she is amazing. The mortgage rates are super low. But her help and advice is the best part.
MB
So far so great! She’s a fabulous person to work with. Has made it a great experience. Will recommend her to everyone! Thanks to DB for hooking me up.
DM
Cheryl has helped us twice with mortgages and has been nothing short of amazing. She’s always made us feel welcome at her office or even her home when in a time crunch. She’s consistently gotten us great rates and made it possible for us to live in the area we have had our eye on for ages.
M & R
Whenever someone is looking to secure a mortgage, I always suggest Cheryl. She saved our bacon wth our first mortgage when our original broker dropped the ball, she told us exactly what was needed and got us a mortgage within a weekend. I love that we can contact her at any time and she is so fantastic. She continually goes above and beyond.
N & M
Hi Cheryl
Thanks again for your great service and have a great holiday season with your family.
RW
Hi Cheryl,
We want to take this opportunity to thank you for guiding us through our recent mortgage renewal. With your expert experience we were able to secure a far better rate than we were being offered by our bank. Your professional confidence provided us with the assurance that all of our interests and opportunities were being met. We look forward to working with you in the future. We have and will continue to recommend your services to our family and friends.
Thanks S & J
Thanks for contacting us! We will get in touch with you shortly.
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