Debbie Kitchen - Dominion Lending Centres

10/08/2026

Too often, homeowners wait until their renewal date is right around the corner before looking at their options. But you may be able to start the process well in advance.

Depending on your lender and circumstances, you may be able to secure or lock in a rate ahead of your renewal date, giving you time to explore what’s available without feeling rushed.

And remember — you don’t have to automatically stay with your current lender. 🔑

Starting early gives you the chance to:

✔️ Compare lenders and rates
✔️ Review different mortgage options
✔️ Consider your changing financial goals
✔️ Make a decision without unnecessary pressure

💬 If your mortgage is renewing soon, let’s start the conversation early.

10/06/2026

🏡 Thinking about helping your child purchase their first home?

There are several ways parents can support a child when it comes to qualifying for a mortgage — but it’s important to understand exactly what each option means for you.

A co-signer and a guarantor can have very different implications.

A co-signer may share ownership of the property and responsibility for the mortgage. A guarantor generally supports the application by guaranteeing the debt without becoming an owner.

Before deciding which route to take, consider how it could affect:

💰 Your ability to qualify for future credit or a mortgage
🏦 Your existing financial obligations
📜 Estate and tax planning
🏠 The property if it’s eventually sold or refinanced
🤝 Your responsibilities if the mortgage payments become difficult to maintain

💬 If you’re considering helping your child buy a home, let’s discuss the options before you commit.

10/01/2026

Lenders don’t just look at how much you’ve saved—they may also want to know where the money came from.👀

Lenders require proof of your down payment funds and may ask for 90 days of account history.

So before moving large amounts of money around, make sure you understand what documentation you may need.

🏡 The goal isn’t just to save the money—it’s to make sure you can prove it’s yours and where it came from.

09/29/2026

🏡 A great mortgage isn’t always the one with the lowest rate.

Two mortgages could advertise the exact same interest rate and still have very different costs over the life of the mortgage.

What makes the difference? The details behind the rate.

Things like:

💰 Prepayment options and privileges
📋 Mortgage terms and conditions
⚠️ How penalties are calculated
🔑 How the mortgage is structured and registered
🏦 The lender’s specific policies

A lower rate can look great on paper, but it’s important to understand what you’re actually getting with it.

My job is to look beyond the headline rate, compare the details, and help you find an option that makes sense for your goals — both today and down the road.

Because the best mortgage isn’t necessarily the one with the lowest number. It’s the one that fits your plans.

09/24/2026

💰 Need some extra breathing room? Your mortgage may offer an option you didn’t know about.

Some lenders allow homeowners to defer or skip a mortgage payment under certain conditions. It can sound like an easy solution when an unexpected expense comes up or your budget is feeling tight.

Before choosing to skip a payment, take a moment to consider:

✔️ What your lender actually allows
✔️ What happens to the unpaid interest
✔️ How your mortgage balance could change
✔️ Whether another option could be more cost-effective

Sometimes temporary relief can come with a long-term cost. Make sure you understand both before making a decision.

📩 Have questions about your mortgage options? Let’s talk.

09/22/2026

🏡 Homeownership doesn’t always follow a straight line.

Some buyers have a large down payment. Others are starting with the minimum. Some have excellent credit, while others are rebuilding. You may be self-employed, have commission-based income, or have circumstances that make traditional mortgage approval more challenging.

The important thing is knowing that one lender’s answer isn’t necessarily every lender’s answer.

With access to a variety of lending options, we can look beyond a single set of criteria and explore solutions based on your individual financial situation.

Your circumstances are unique. Your mortgage strategy should be too.

🔑 The right approach starts with understanding what options are available to you.

09/17/2026

Buying your next home before selling your current one?🏠🔑

This is where bridge financing may help.

Bridge financing can provide short-term capital to cover the gap between transactions, meaning selling one home and buying the next. 🌉

It can be useful when:
✔️ You’ve purchased your next home but haven’t closed the sale of your current one yet
✔️ Your sale proceeds are needed for the next purchase
✔️ You need temporary funds to cover the timing gap

Every situation is different, and bridge financing comes with specific requirements and costs.

💬 Connect with me and let’s talk through your options before you make your next move.

09/15/2026

📚💸 September can be an expensive month — and it often feels like every bill arrives at once.

Between back-to-school expenses, tuition, supplies, childcare, activities and everyday costs, your monthly budget can get stretched quickly.

That’s why September is a good time to take a closer look at your mortgage. A quick review can help you understand your options, see if your current mortgage still fits your financial goals, and identify opportunities that may work better for your budget.

🏠 A little financial planning now can help take some of the pressure off as you head into the fall.

💬 Reach out for a mortgage review and let’s make sure your mortgage is still working for you.

04/18/2026

03/03/2026

Here’s how to stay safe:
✔️ Check your credit report
✔️ Keep your personal information private
✔️ Be careful with emails and phone calls asking for money
✔️ Ask questions before signing papers
If you’re buying, selling, or refinancing your home, make sure you work with trusted professionals.
Let’s protect your home and your future.