Rita Nicholson - London & area Mortgages

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Rita Nicholson - London & area Mortgages

Rita Nicholson - Tel # 519-636-2946 - I am a mortgage agent helping the London Community get the right financing options for over 15 yrs .

Rita A Nicholson - Mortgage Agent with Dominion Lending Centres - Forest City Funding
Telephone # 519-636-2946
email : [email protected]
website : www.ritanicholson.ca
Specialize and experienced in residential mortgages and secured lines of credit , private financing , refinancing , renewals and commercial lending with access to over 20 lenders

09/09/2026

💰 What if your bonus could save you thousands on your mortgage?

Many mortgages allow you to make annual prepayments of 10–20% without a penalty.

That means money, like a bonus, tax refund, or inheritance, could be put toward your mortgage.

The result? Less interest paid and a mortgage that could be paid off sooner. 🏡

Before making a lump-sum payment, check your mortgage’s specific prepayment privileges — they can vary by lender and mortgage product.

Don’t just pay your mortgage. Make your mortgage work harder for you.

📞 519.636.2946
📩 [email protected]
🌐 www.ritanicholson.ca

09/07/2026

Happy Labour Day!

Here’s to a well-deserved long weekend — whether you’re spending it with family, enjoying the last days of summer, or simply taking some time to relax.

Wishing you a safe, relaxing, and happy long weekend! ☀️

09/02/2026

🏡 Helping your child buy a home? The way you help matters.

If you’re stepping in to help your child qualify for a mortgage, a co-signer and a guarantor are not the same thing.

A co-signer typically goes on title and shares ownership of the property. That means the home can become part of your financial picture in ways you may not expect.

A guarantor helps strengthen the mortgage application by guaranteeing the debt, but generally does not become an owner of the home.

Why does this matter? 👇

The structure you choose can have implications for:
💰 Potential tax considerations
📜 Estate planning
🏦 Your own future borrowing capacity
🏠 What happens if the property is sold or refinanced
🤝 Your financial responsibilities if payments become an issue

Helping your child become a homeowner is a big decision — but how you help can be just as important as the help itself.

The right structure today can help prevent surprises down the road.🔑

📞 519.636.2946
📩 [email protected]
🌐 www.ritanicholson.ca

08/31/2026

🍂 Welcome, September! 🍂

Tomorrow we officially welcome September… aka the month where you leave the house in a sweater because it’s freezing in the morning, only to be sweating by 2 PM, wondering why you brought it. 😂

Here’s to a new month, new routines, and hopefully figuring out the whole sweater situation. 😉

08/28/2026

☀️ Summer is almost over… how did that happen?!

The slower mornings, late nights, little adventures, backyard days, ice cream runs, and all those moments you said you’d “remember forever.” 🥹

It’s easy to get caught up in everything that still needs to get done before fall.

But maybe we don’t need to rush through the last few weeks.

Take the extra walk.
Stay outside a little longer.
Have one more ice cream. 🍦
Say yes to the little adventure.

Here’s to soaking up every last bit of summer. ☀️

08/26/2026

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

Many 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.

📞 519.636.2946
📩 [email protected]
🌐 www.ritanicholson.ca

08/24/2026

🏡 55+ & Home Equity Sitting in Your Home?

Your home could be more than just a place to live—it could also give you financial flexibility in retirement.

An Equity Advantage Solution allows eligible homeowners aged 55+ to access a portion of their home equity, with *no income or traditional credit qualification required.*

That flexibility could help you:

🔨 Fund a renovation or major home project
👨‍👩‍👧 Help your children or family financially
💰 Manage unexpected expenses
🌿 Create more breathing room in retirement
🏠 Make the most of the equity you’ve built over the years

You worked hard to build your equity. Let’s talk about what it could do for you.

📞 519.636.2946
📩 [email protected]
🌐 www.ritanicholson.ca

08/21/2026

✨ Having trouble making time for yourself?

Maybe instead of waiting for the “perfect” free afternoon, make yourself a self-care checklist.📝💗

It doesn’t have to be elaborate. Think of little things that make you feel more like *you*:

Self-care doesn’t always have to mean booking a spa day or taking hours off. Sometimes it’s just giving yourself permission to do something that fills your cup.

08/20/2026

Two mortgages can have the exact same interest rate but still cost you very different amounts.

Why? Because there’s more to a mortgage than the rate. 👀

💰 Prepayment privileges
⚠️ Penalty calculations
📋 How the mortgage is registered
🔑 Lender-specific terms

The lowest rate doesn’t always mean the best mortgage for you.

That’s where I come in. I compare the details behind the rate to help you find a mortgage that fits your plans—not just the lowest number.

📞 519.636.2946
📩 [email protected]
🌐 www.ritanicholson.ca

08/17/2026

Did you know many lenders allow you to skip a mortgage payment once a year?

It can be a helpful option when you’re having a particularly tight month or an unexpected expense comes up. 🙌

But there’s an important catch: the interest doesn’t disappear.👀

When you skip a payment, the unpaid interest is typically added to your mortgage balance, which means you could pay more interest over the life of your mortgage.

Before you hit that “skip payment” button, make sure you understand:
✔️ How your lender’s skip-payment option works
✔️ How much interest will be added
✔️ How it could affect your mortgage balance
✔️ Whether there’s another option that makes more financial sense

Need a little breathing room? Contact me to help!

📞 519.636.2946
📩 [email protected]
🌐 www.ritanicholson.ca

Address

240 Waterloo Street Unit 103
London, ON
N6B2N4

Website

http://www.ritanicholson.ca/

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