Carmen Costa Mortgage Broker

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Carmen Costa Mortgage Broker

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Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Carmen Costa Mortgage Broker, Mortgage brokers, 247 Centennial Pkwy North, Unit 15, Hamilton, ON.

Carmen Costa, a Mortgage Broker ( Lic #15000091), embodies what a great mortgage broker should be – she is sharp, instinctive, caring and possesses an extraordinary understanding of the real-estate business.

09/19/2026

WHAT A JOURNEY. ❤️🔥

Okay… I’m just going to say it. 😂

I am officially SICK of people asking me…

“Carmen, are you on Ozempic?”

NOOOOOO! 😂😂😂

So here’s my little secret…

30+ POUNDS DOWN from HARD. FREAKING. WORK.

Measuring my food. Tracking my meals. Learning portions. Making better choices. Showing up when I didn’t feel like it. And fighting A LOT of internal battles.

No magic pill. No quick fix. No overnight transformation.

There were days I wanted to say, “SCREW THIS.” But I kept going. 💪🏼

And a HUGE part of this journey has been my coach…

Meet Rob Villa. 👊🏼

For 7+ months, Rob has pushed me, challenged me, educated me and, most importantly, HELD ME ACCOUNTABLE.

He taught me this isn’t about starving myself or chasing a number on the scale. It’s about understanding what I’m doing and WHY.

And I also have to give a shoutout to Tessa, Rob’s amazing wife. ❤️ Thank you for the support, encouragement and for being part of this journey too. It means more than you know!

At 45, I don’t want to be the smallest version of myself.

I WANT TO BE THE BEST VERSION OF MYSELF.

STRONG. FIT. TONED. ATHLETIC. CONFIDENT. HEALTHY. 🔥

So now you know my secret…

IT WASN’T OZEMPIC. 😉

It was consistency. Discipline. Accountability. Hard work. And refusing to give up.

30+ POUNDS DOWN AND WE’RE JUST GETTING STARTED.

PHASE 1: LOSE. ✅
PHASE 2: BUILD. STRENGTHEN. TONE. 🔥

Want to know the FULL story behind this journey?
👉🏼 Head over to my Facebook to read the full story. ❤️

And if you’re ready to start your own journey, DM Rob Villa and tell him Carmen sent you. 👊🏼

Rob… LET’S FREAKING GO!

PHASE 2 IS ON. 🔥💪🏼

Accountability StrongerAt45 PhaseTwo

04/08/2026

Daddy, I miss you today, tomorrow, and forever.

Seven years have passed, yet it still feels exactly the same as the day you left us. Every April 8th brings all the same feelings rushing back, as if no time has passed at all.

Not a single day goes by that I don’t think of you, miss you, and carry your love with me. Some losses never get easier — we simply learn to live while holding that love and that pain in our hearts.

I will never forget you, Daddy.
Love you forever and always. ❤️

03/25/2026

Being a stepmom has been one of the greatest lessons in perspective and self-realization.

I’ve learned that love, in this role, is a choice you make every single day. It’s not always reciprocated in the way you expect, and it doesn’t always come with the same security or understanding. But you choose it anyway.

As a person, I’ve always believed in loving all children equally—mine and those I was blessed to have in my life. What I didn’t expect was how, in trying to include everyone, there could be moments where my own children might feel excluded or not fully embraced. That realization changes you. It makes you more aware, more intentional, and more protective of the emotional space your children live in.

The truth is, we can’t make choices for others. We can guide, we can model, and we can hope they learn from us—but we cannot control how they show up.

What I’ve come to understand is this: love should be mutual in presence, in effort, and in time. And I’ve made it my responsibility to ensure my children never feel a lack of love, regardless of what’s happening around them. I give enough that they feel secure, seen, and valued.

I’m also teaching them something deeper—that their worth is not defined by who chooses them, but by how they choose themselves. That relationships should reflect the value they carry, not diminish it.

Life teaches you lessons in ways you don’t expect. And if I had to live this life again, I wouldn’t change my choices. Because this journey, as hard as it’s been at times, has shaped me into someone more aware, more grounded, and more intentional with love.

At the end of the day, no one is so important that they don’t make time for you. And that’s a lesson I will always carry forward.

01/10/2026

Experienced Ontario mortgage brokers recognize that higher standards, enhanced oversight, and clear compliance expectations are essential to protecting consumers and elevating professionalism across our industry.

FSRA’s commitment to consumer protection—particularly in the private and alternative mortgage space—continues to play a critical role in supporting a well-regulated, transparent marketplace.

I shared my perspective in the comments of this recent article, which reinforces an important reality: regulation may not always be popular, but it is necessary to maintain trust, accountability, and long-term credibility in our profession.

https://www.mpamag.com/ca/mortgage-industry/industry-trends/some-mortgage-professionals-may-not-like-regulation-but-its-necessary-says-broker/561139?utm_campaign=Editorial-CMP-NS&utm_content=364739504&utm_medium=social&utm_source=linkedin&hss_channel=lcp-13634055&openWithFirefox=true

09/11/2025

I didn’t know much about Charlie Kirk until yesterday. So this is not a post about agreeing or disagreeing with him. It is about something more profound—the darkness I see in people’s hearts.

Freedom of speech means we can debate, discuss, and even disagree. But I see people saying it’s good that he died, and Thank God he is dead, and that celebration of death is not justice, it is darkness. When you cheer for someone’s murder, you reveal the corruption in your heart.

It doesn’t matter what side you are on. Right and wrong are always the same, no matter which angle you view them from. Debate is welcome. Murder is not. Words and ideas can challenge, but when they turn into applause for violence, we have lost our humanity.

I am deeply disturbed by this. Last night, I turned to God for help because only He can heal a broken world. I have prayed through the night for the salvation of this world because life is sacred. If you cannot see the danger, cruelty, and destruction that come from this path, then I pray even harder for your soul.

If you don’t see the darkness now, may God open your eyes before it consumes you.

06/09/2025

Hey Insta friends!
I’m reaching out for a little support for my awesome nephew! We’re putting together a fun night full of laughs, good vibes, and amazing prizes 🎁🎉
If you’re interested in joining or want more info, just send me a quick message — we’d love to see you there! 💙

04/20/2025

I finished early voting today — and honestly, I owe a huge “thank you” to social media.

Thanks to the screaming matches, DIY infographics, and random memes from 2008, you made the whole process crystal clear.

A special shoutout to the warriors in the comments who argue for six hours straight with strangers they’ll never meet. This is true dedication.

And, of course, to the guy who posts “DO YOUR RESEARCH” every five minutes — but still can’t spell “research” correctly. Iconic.

You all taught me a valuable lesson:
If you’re loud, wrong, and persistent enough, you might convince people to start thinking for themselves.

I appreciate your service. Truly.

03/11/2025

Today, I received devastating news—one of my agents, Barone, has passed away. I wish I could say I’m okay, but the truth is, I’m not. Every agent of mine is like family, and Barone was like a brother to me. He had a heart of gold and a spirit that could light up any room. He made me laugh every time we spoke and always had my back, ensuring I was protected and supported.

I don’t understand why tragedies like this happen, but one thing I do know is that Barone was deeply cared for and will never be forgotten. To his family, my heart aches for you. I am so incredibly sorry for your loss. Please know that TCG will always stand beside you, offering our support in any way we can.

Today is a heavy day for the TCG family. Please keep his loved ones in your thoughts and prayers as we honor his memory.

02/17/2025

Crazy! I have never shovelled so much in my life.

02/14/2024

My ❤️. Happy Love Day! You truly are my #1! Thank you for always supporting me. Love you today, tomorrow and forever.

Address

247 Centennial Pkwy North, Unit 15
Hamilton, ON
L8E2X3

Website

http://www.tcglendingcentres.com/

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