Inclusive Lending Mortgage Architects

04/21/2026

Are you in need of a Mortgage Rescue? Check out this calculator and see how you score.

➡️Payment Shock + Stress Check
Estimate how renewal rates may impact your payment and risk level.

➡️Home Stability Risk Score
Answer 6 quick questions. Higher score = higher urgency.

Mortgage Architects
Mortgage Architects Bennett Capital Group

Confidential • Ontario homeowners • Act early

03/23/2026

Financed and Closed! ✨

Congratulations to my wonderful FIRST TIME HOME BUYERS on purchase of their Wonderful Home! 🥳

Take advantage of the low real estate prices and mortgage rates. We are locking in for 5 years at less than 4% interest. Let's chat about the great options for First Time Home Buyers!!!!

Congratulations, on the purchase of your first home and for trusting me with securing both the financing and the real estate.
😍💕🥂

📧 [email protected]
📱 519-573-9629
Or send me a DM!
Cheryl Sarnavka Real Estate Broker
Cheryl Sarnavka Mortgages
CPA Mortgage Agent Level 2
Mortgage Architects Broker #12728
www.inclusivelending.com

03/02/2026

Struggling With Mortgage Payments — or worried you might?

You may have options before missed payments, forced sale, or foreclosure. We help Ontario homeowners reduce monthly costs, structure temporary relief, and stabilize cash flow.

CHECK OUT OUR
Mortgage Payment Shock Calculator🌟

Not Struggling....that is great news!
Take the test any ways and confirm you are in great shape!!!

Confidential • Ontario homeowners • Act early

03/02/2026

CHECK IT OUT!
👇👇👇👇
Mortgage Renewal Survival Guide (Ontario 2026)

Protect Your Home. Reduce Payment Shock. Take Control Before Renewal.

Understand the renewal wave
See how payment math has changed
Learn options most lenders don’t explain

Private. Confidential. No credit impact.

Protect Your Home. Reduce Payment Shock. Take Control Before Renewal.

11/11/2025

IN FLANDERS FIELDS

By John McCrae

In Flanders fields the poppies blow
Between the crosses, row on row,
That mark our place; and in the sky
The larks, still bravely singing, fly
Scarce heard amid the guns below.

We are the Dead. Short days ago
We lived, felt dawn, saw sunset glow,
Loved and were loved, and now we lie,
In Flanders fields.

Take up our quarrel with the foe:
To you from failing hands we throw
The torch; be yours to hold it high.
If ye break faith with us who die
We shall not sleep, though poppies grow
In Flanders fields.

🌺🌺🙏🌺🌺

06/15/2025

HAPPY FATHER'S DAY!

To all the fathers, grandfathers, step dads, father figures, male mentors and masculine role models have an amazing day!!
🔧🪚🔭🛶🏈⚾️⚽️☕👔

05/17/2025

Looking to get into Home Ownership? Don't have the down payment you need right now to get financing? Don't worry, we work with clients who offer Rent to Own options!!

Call me to find out more (519) 573-9629
Cheryl Sarnavka, CPA
Mortgage Agent Level 2
Mortgage Architects
Mortgage Architects Bennett Capital Team - Tracy Bennett

05/17/2025

Refinancing your mortgage refers to the process of renegotiating your current mortgage agreement for a variety of reasons. Essentially, allowing you to pay off your existing loan and replace it with a new one that better suits your needs.

Let's chat!
Cheryl Sarnavka, CPA
Mortgage Agent Level 2
Mortgage Architects

According to RE/MAX, one of the biggest trends for Canadian homeowners in 2021 are move-up buyers looking to purchase a home that offers more space for them and their families. In fact, this is true for a whopping 29% of Canadians! Unsurprisingly, this demographic is made up mostly of younger Canadi...

02/08/2025

Love being on this Team!! Tracy, you are an amazing Leader and Mentor. I appreciate you and the other Team Members so much!!! Wishing us all another fabulous year ahead as we work towards breaking some records!!!! GO 2025!!!!!!!!

08/01/2024

So, I did a quick illustration to a post I saw on a Facebook Group. I've been doing this for a long time and when I see $10K operating income on $1.25M for a Triplex, my immediate response is, nope!

I am not saying real estate isn't a good investment (someone is paying your mortgage and utilities), what I am illustrating here is in the first few years, until you are able to pull some equity out, you will need to cover the costs of you the investment.

If you are going to purchase an investment property make sure you have accounted for all the cost. If you have cash for the down payment or if you are using your credit line, there is a cost that you need to include when cashflow/surplus is calculated.

Here is an illustration - the ad vs. the reality, Be cautious, look to diversify your money, a combination of investment solutions may aid in offsetting deficits so you have a more balanced portfolio.

Cash is King!

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Cheryl Sarnavka Real Estate Broker
Cheryl Sarnavka Mortgages
The Realty Den, Brokerage