Melissa Bowler, Mortgage Agent

Melissa Bowler, Mortgage Agent Purchases|Renewals|Refinances|Rentals
Spousal Buyouts|Mortgage-Free Strategies M21003674

What's holding you back? You never know what's possible unless you start. So, let's explore your options!
06/05/2026

What's holding you back? You never know what's possible unless you start. So, let's explore your options!


There are so many benefits to homeownership. What you get out of it depends on your goals. Ask yourself what you're look...
06/01/2026

There are so many benefits to homeownership. What you get out of it depends on your goals. Ask yourself what you're looking for. Maybe it's...

🏡 a stepping stone to your forever home.
🏡 a place to start a family.
🏡 a generational home that fits the whole family.
🏡 a way to start building rental income.
🏡 a tool to grow your investments.

These are only a few of the things that may motivate you to become a homeowner.

If you'd like to explore your reasons and see what's possible, reach out! That's what I'm here for.


Until you know where you stand financially, you have no idea if that open house you went to or home you messaged the rea...
05/28/2026

Until you know where you stand financially, you have no idea if that open house you went to or home you messaged the realtor about when scrolling through listings on realtor.ca is even feasible, regardless of the amount of rent you may be paying.

What you manage to give to a landlord each month actually has nothing to do with what you can qualify for. What does? Your...

🤑 eligible income
💸 existing debts
🔣 the qualifying rate (not actual rate)
💲purchase price
💰 down payment
🏠 property taxes
🏘 condo fees (if applicable)
🔥 monthly heating cost (often dependent upon a square footage calculation, but typically included at $100 per month as a basic rule of thumb)

And there's more to this calculation. So, the best thing you can do is talk to a mortgage professional to find out where you stand. Until you know this, the house hunting really needs to wait because there's nothing worse than feeling like you've found your dream home only to realize you can't qualify to buy it. 🫧🫟


💰 Make that refund work for you!💵 And rememeber: minimum down payment needed is 5% of the first $500K and 10% of any am...
04/30/2026

💰 Make that refund work for you!

💵 And rememeber: minimum down payment needed is 5% of the first $500K and 10% of any amount beyond that.

🏡 Banks/Lenders also want to see 1.5% of the purchase price saved to cover estimated closing costs (legal fees, etc.). Ex: $500K x 1.5% = $7,500

Want to see what's possible for you? Let's chat!


While we had started to see some opinions floating around that the Bank of Canada may decrease the key interest rate thi...
04/29/2026

While we had started to see some opinions floating around that the Bank of Canada may decrease the key interest rate this time, there seems to be just too much uncertainty to make any changes. And so, we continue to wait and see what happens next.

Want to know what's possible? Let's connect! advice
04/13/2026

Want to know what's possible? Let's connect!


advice

04/07/2026

This is how you do it. Your first home doesn't have to be your dream home. It's a stepping stone to get you there.


Hope you're all enjoying a relaxing weekend and that you have an eggstra special day! 🐇
04/05/2026

Hope you're all enjoying a relaxing weekend and that you have an eggstra special day! 🐇

Do you celebrate April Fool's Day? If so, share a few tricks you have up your sleeve today!
04/01/2026

Do you celebrate April Fool's Day? If so, share a few tricks you have up your sleeve today!

Can you roll in the closing costs? No. But are there cash back programs that can help? Yes.If you're putting less than 2...
03/24/2026

Can you roll in the closing costs? No. But are there cash back programs that can help? Yes.

If you're putting less than 20% down or buying a home that qualifies as "insurable" (ie. >$1M, max 25-yr am) even with 20%+ down, you could qualify for cash back to help offset the closing costs. However, there is a higher rate associated with these offers. It's all about weighing the pros and cons to see what's right for your specific situation.


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Guelph, ON

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