1. EachPod

Joni Bahm on Credit Scores & Smart Mortgage Moves

Author
Sharon DeKoning
Published
Thu 12 Jun 2025
Episode Link
https://share.transistor.fm/s/fb159214


In this eye-opening episode of It’s Time for Success: The Business Insights Podcast, host Sharon DeKoning sits down with Joni Bahm, an experienced mortgage broker and trusted financial advisor who’s quietly transformed the financial lives of countless families and entrepreneurs. From helping first-time buyers navigate home ownership to breaking down the mystery of credit scores, Joni shares practical, no-nonsense advice that everyone—especially young adults and entrepreneurs—needs to hear. Sharon and Joni talk candidly about real-life examples, including how Joni helped Sharon’s own son, Ashton, reduce his debt ratio and qualify for his first home.

They unpack how credit scores actually work in Canada, what common mistakes tank your score, and how to start rebuilding today, whether you’re 18 or 58. You’ll also learn about:

  • The truth behind phone bills, store credit cards, and their unexpected impact.
  • The difference between TransUnion and Equifax, and which lenders use which.
  • How auto loans, business purchases, and even co-signing can affect your mortgage eligibility.
  • Why not having credit can be just as damaging as having bad credit.
  • And how mortgage brokers like Joni offer way more flexibility than the big banks with no cost to you.


This episode is a must-listen for anyone considering home ownership, growing their business, or simply wanting to take better control of their financial health. Packed with relatable stories, digestible strategies, and expert-level knowledge, Joni makes personal finance feel less scary and a lot more doable.

About Joni Bahm

With over 17 years of experience in the mortgage industry, Joni Bahm is a seasoned mortgage professional who blends technical knowledge with a deep passion for helping people achieve financial clarity and home ownership. Based in Lloydminster, Alberta, Joni works with a wide range of lenders across Canada, helping clients find tailored solutions that fit their unique needs.

Her commitment goes far beyond paperwork—Joni is known for educating her clients, mentoring young adults on credit health, and sticking with people through every step of their mortgage or credit repair journey. She’s especially skilled at helping first-time buyers and self-employed individuals navigate the challenges of financing.

As a long-standing member of the BNI Lakeland Leaders chapter and active community supporter, Joni believes in building lasting relationships and empowering people with the knowledge to make confident decisions.

Resources discussed in this episode:

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Contact Sharon DeKoning | It's Time Promotions: 


Contact Joni Bahm, Indi Mortgage


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