Nancy Tychowski Mortgage Consultant.

06/03/2026

05/27/2026

Quick correction from my reel yesterday 👇

I mentioned that to purchase a $750,000 home with 20% down, you would need a household income of approximately $155,780.

After reviewing the numbers again, the correct estimated qualifying income is actually closer to $135,446 with 20% down.

Keep in mind, these numbers are still estimates and can vary depending on:
• your debt payments
• property taxes
• heating costs
• strata fees (if applicable)
• interest rates
• and your overall financial profile.

This is why it’s always important to run personalized numbers before starting your home search. 🏡”

You could also add a short on-screen text hook:

“Mortgage Broker Correction 🚨
$750K purchase price with 20% down = approx. $135K household income, not $155K.”

“Want to know what YOU qualify for? Send me a DM.”

05/02/2026

It’s always nice to get reviews like this! ❤️

02/17/2026

Stop listening to the noise.
Your first home doesn’t have to be your dream home — it’s the bridge to it. 🏡✨
Real estate is a stepping stone strategy. Start where you can. Build equity. Upgrade later.
The only opinion that matters? The one that gets you moving forward.

01/18/2026

Build Wealth 🏡

Navigating the financial responsibilities of renting versus owning can feel overwhelming. While both require monthly payments, they lead to very different outcomes.

Rent payments go toward someone else’s investment, building no equity and no long-term asset for you.

A mortgage, on the other hand, is an investment in your future. Each payment helps you build equity, grow your net worth, and move closer to full homeownership.

By choosing to own, you’re not just buying a home — you’re building long-term financial stability and security.

12/10/2025

“Thinking about getting a mortgage? Here are the extra expenses buyers forget about: appraisal fees, legal fees, title insurance, property transfer tax, moving costs, and home inspection. Budget smart so there are no surprises! 🏡💸 ”

10/30/2025

You’ve worked hard to build equity in your home — but that doesn’t mean you have to sell it to access it. 🏡

A reverse mortgage can help you stay in the place you love while unlocking the value you’ve earned over time.

It’s not the last resort — it’s another option. 💙

10/28/2025

The Bank of Canada’s interest rate announcement, scheduled for tomorrow, October 29, 2025, is significant because it can directly impact your mortgage payments, borrowing costs and overall financial planning. Here’s what you need to know:

*What is the interest rate announcement?*

The Bank of Canada sets an overnight interest rate, which influences the prime lending rates of financial institutions. This rate determines the cost of borrowing money and affects various financial products, such as mortgages and loans.

*Impact on Mortgages:*

- *Variable-Rate Mortgage:* Immediate impact on payments. A rate decrease can lower monthly payments, while an increase can raise them.
- *Fixed-Rate Mortgage:* No immediate impact, but changes in the policy rate can influence fixed mortgage rates when you renew or apply for a new mortgage

*Broader Implications:*

- *Lower Interest Rates:* Can stimulate economic growth, increase housing affordability and drive up home prices.
- *Higher Interest Rates:* Can slow down economic growth, reduce borrowing and spending.

*Potential Impact on Your Finances:*

- *Savers:* Lower interest rates mean lower returns on savings accounts and GICs.
- *Borrowers:* Lower interest rates can make loans and mortgages more affordable.
- *Investors:* Lower interest rates can boost equity markets and make bonds with higher rates more attractive.

Keep an eye on economic indicators and announcements from the Bank of Canada to anticipate potential rate changes and adjust your financial plans accordingly.

10/26/2025

🏡 Thinking about buying your first home?
Before you start scrolling through listings, the first step is getting pre-approved! 💡
It helps you know exactly what you can afford and shows sellers you’re ready to make your move.
Let’s turn that dream of homeownership into reality — one step at a time 🤍