Hamed Ebadi - FSRA # 11764

05/07/2026

🚨 ONTARIO MORTGAGE REALITY CHECK 🚨

Everyone is waiting for “the perfect time” to buy…

But here’s what just happened 👇

🏦 Bank of Canada held rates at 2.25%
🏡 GTA home sales jumped 7% year-over-year
📉 New listings dropped 9.3%
🔁 Millions of mortgages are still heading into renewal pressure

Translation?

The market is not “dead.”
It’s waking up quietly.

And the people who prepare early usually have more options than the people who panic later.

The real question isn’t:

“Should I buy right now?”

The real question is:

“Do I know my numbers before the market gets louder?”

Whether you’re buying, renewing, refinancing, or sitting on the fence, your mortgage strategy matters more than guessing where rates go next.

Comment NUMBERS or DM me and I’ll help you break down your situation.

Hamed Ebadi
Mortgage Agent

03/30/2026

Don’t lock into a mortgage out of fear.

Most buyers right now are choosing fixed…
without understanding where the market is actually heading.

💡 The truth:
The “safe” option isn’t always the smartest one.

Strategy > Emotion. Every time.

📩 DM me “RATE” and I’ll break down what actually makes sense for YOU.

03/20/2026

Ready to crush the Ontario Spring Market? 🏡👇 Every week, buyers lose out on dream homes because they skipped the crucial step of getting a real, underwritten pre-approval. Car loans, student debt, or credit card balances? Let's talk numbers, not guesses. Don't wait until it's too late. Get your finances in check before open houses. Send me a DM or click the link in my bio. Hamed Ebadi | Mortgage Agent Lic #11764

02/13/2026

🚨 Did Ontario just enter the “Sweet Spot”?
The numbers for the week are in, and they look good for buyers:
1️⃣ Prices: Average is officially under $1M for the first time since 2019.
2️⃣ Rates: BoC holds steady at 2.25%; fixed yields are chilling.
3️⃣ Outlook: More inventory + lower prices = Buyer Power. 💪
If you’ve been waiting for a sign to get off the sidelines, this is it. Let’s chat about what you can afford in this new market.
👤 Hamed Ebadi
🏢 Neighbourhood Mortgage Source
🆔 FSRA #11764

02/05/2026

🚨Mortgage Update (The Actually Important Stuff) 🚨

Big news if you are buying or selling:

🏦 Rates are on PAUSE
The Bank of Canada held the rate, so variable mortgages didn’t jump again. Breathing room = unlocked.

🧪 Stress test = still brutal
You still have to qualify at your rate + 2% (or 5.25%). Strategy matters more than rate shopping.

📉 Ontario buyers quietly gained power
GTA prices are down year-over-year and homes aren’t flying off shelves like before.
➡️ Translation: negotiation is back (yes, really).

🌶️ Plot twist:
Right now, variable rates are often LOWER than fixed but the right choice depends on your timeline and risk comfort.

⸻

🎮 Pick Your Mortgage Adventure

Comment ONE emoji and I’ll reply with your best next move:

🏃‍♀️ Buying soon
🔁 Renewing
⚖️ Fixed vs Variable confusion
🧠 “Just tell me the smartest strategy”

Ontario mortgage world = calmer headlines, smarter plays.
Let’s make sure you’re playing it right.

02/03/2026

01/21/2026

🏠 For anyone struggling to find a rental in Ottawa...
The rental market is brutal right now. Bidding wars on leases are insane.
I wanted to share a different option: The "5% Down" Rule.
Many people in this group qualify to buy their own place but don't realize it because they think they need a massive 20% down payment. You don't.
I’m a local Mortgage Agent, and I help first-time buyers use the new government incentives to bypass the rental trap entirely.
• We secure your pre-approval.
• We find a payment that matches your current rent budget.
• You pay yourself instead of a landlord.
If you are tired of rental applications, send me a message. I’d be happy to check if you qualify to buy instead. No pressure, just numbers.

01/21/2026

🏠 For anyone confused by the new "30-Year" Mortgage Rules...

I kept getting asked the same question this week: "Does the new 30-year amortization rule actually lower my payments, or does it just cost me more interest?"

So I built a simple Excel tool to run the math properly.

It calculates:
✅ Your monthly payment under the "Old Rule" (25 Years).
✅ Your monthly payment under the "New Rule" (30 Years).
✅ The Cash Difference: Exactly how much money you save per month in 2026.

I’m not selling anything, just wanted to share the file for anyone trying to budget for a home this year.

I uploaded the file to the channel in my Discord group so you can download it directly:

👉

Check out the The Closing Lounge: Mortgages community on Discord - hang out with 11 other members and enjoy free voice and text chat.

12/19/2025

12/19/2025

This season has a way of slowing things down.

☕ More time indoors.
🪞 More reflection.
🏠 More thoughts about what home really means.

For some, it’s a place they’re already settled in.🛋️
For others, it’s a goal they’re quietly starting to explore.💡

If homeownership is something on your mind even just in the “thinking about it” stage having the right information early makes all the difference.

👉 Find out here:
https://velocity.newton.ca/sso/public.php?sc=jjbftv7ze3hs