Maria Wirtz Mortgages

06/10/2026

Mortgage News - June 10, 2026

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05/25/2026

🏡 Mortgage Tip of the Day:

Many people hear the terms qualifying rate and contract rate - but very few actually understand the difference… and it can have a major impact on how much you qualify for. 👇

✔ Contract Rate = the actual interest rate you will receive and make payments on.

✔ Qualifying Rate = the higher “stress test” rate lenders use to determine whether you can still afford your mortgage if rates rise in the future.

In other words - you may be paying one rate, but qualifying at another.

This is one of the reasons why two people with similar incomes can sometimes qualify for very different mortgage amounts depending on the lender, product structure, debts, down payment, and overall strategy.

Mortgage qualification is often much more complex than simply “getting the lowest rate.” Structure matters. Strategy matters. Details matter.

If you ever have questions about how qualification works or would like a professional review of your options, feel free to reach out anytime. 😊

04/30/2026

The Lowest Mortgage Rate Is NOT What You Want - Here’s Why

04/29/2026

Mortgage News Today - April 29, 2026.

04/29/2026

Bank of Canada Update - April 29, 2026 🇨🇦
Rate held at 2.25% 📊 - no change.

Variable rates stay the same 🔄
Fixed rates still follow the bond market 📉

We’re in a wait-and-see market 👀
Strategy matters more than timing 🎯

04/29/2026

Pre-approval shows your budget, locks your rate, and uncovers issues early -
but it’s only a starting point.

Where you get it matters.

Bank = one option.
Broker = strategy + multiple lenders.

Don’t guess. Be prepared.

📩 Message me - my services are free.
778-323-9377

04/29/2026

Pre-approved? Approved? That’s not the finish line - it’s just the beginning 🔑

This is when your file goes through detailed underwriting and ongoing verification 📄
And this is exactly when you should avoid making any major purchases 🚫

Car 🚗
Furniture 🛋️
Trips ✈️
Appliances 🧺

Thinking you’re already approved, so you’re safe? You’re not ⚠️

Lenders can (and often do) re-check your credit before closing 🔍One new balance can shift your ratios just enough to trigger delays, additional conditions, or even jeopardize the approval 📉

A strong strategy isn’t just about getting approved -
it’s about protecting that approval all the way to closing 🏡

Thinking of making a big purchase?
Pause ⏸️ Ask 💬 Plan 📊

Because in real estate, timing is everything -
and the smallest move at the wrong time can cost you the entire deal

My role goes beyond securing your approval ✅ - I guide and protect your file every step of the way to ensure a smooth, successful closing 🔑, and continue to support you throughout the life of your mortgage 🏡📈.

Maria Wirtz
Your Go-To Mortgage Professional
778-323-9377
[email protected]

04/28/2026

04/14/2026

Understanding the difference between fixed, variable, and adjustable rates can help you make a smarter mortgage decision and avoid costly mistakes later. 🏡👇

01/28/2026

The Bank of Canada just held its rate at 2.25% - no surprise there.
✅ Bank prime rate remains at 4.45%.
But here’s the twist: the Bank openly admits it 🤷‍♀️ doesn’t know whether the next move will be a cut or a hike. Uncertainty is running the show.

Mortgage pricing can shift fast. If you’re buying, renewing, or refinancing soon, the right strategy now can save you thousands later. 💰🏡

I am your trusted Mortgage Broker - here for you.
📲 778-323-9377