Salvatore Iacono - Mortgage Brokerdlc

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Canada
Montreal, QC
Salvatore Iacono - Mortgage Brokerdlc

EN 🇨🇦
🏡 Mortgage Broker in Quebec
Helping buyers, investors, and homeowners secure the right mortgage — simply and stress-free.
📍 Quebec | 🤝 Here to help

02/11/2026

Your bank’s first offer is rarely their best offer.
And most people just sign it without asking questions.

That could cost you thousands.

If your mortgage renews in the next 6 months, send me “RENEWAL” and I’ll review it for free.

02/11/2026

Professional & Informative
Buying your first home doesn’t have to be overwhelming. 🏡
Here’s a simple breakdown of the key steps to get you mortgage-ready.
Save this for later and message me if you have questions.

Confident & Direct
First home? Start here. ✅
From credit to closing costs, these are the steps you NEED to know before getting pre-approved.
Let’s make your homeownership goal happen.

Friendly & Relatable
Thinking about buying but don’t know where to start? 🤔
Swipe through these tips to feel more confident about your first mortgage.
When you’re ready, I’m here to help.

Call-to-Action Focused
Preparation = power. 💪🏡
Know your credit. Know your budget. Get pre-approved.
Ready to take the first step?

01/16/2026

🏡How YOU can capitalise on the slow market end to 2025:

It’s no secret the housing market had a slow end to 2025. Sales dipped, prices softened, and a lot of buyers hit pause.

However here is what most people are missing

The slowdown is not a crash, it’s a reset.

Inventory is still below long-term averages, interest rates have already come down, and CREA is clear: spring demand is expected to rebound, powered by years of pent-up buyers who’ve been waiting on sidelines like yourself.

In other words, it’s the calm before the storm, just not for long.

Prices have eased in many regions, especially condos and townhomes, sellers are more flexible than they’ve been in years, and conditions are about as balanced as we’ve seen in a long time.

HISTORICALLY, this is when smart buyers move:
✅ Less competition
✅ More negotiating power
✅ Better selection
✅ Before spring demand heats things back up.

Waiting for the ‘perfect’ moment usually means paying more later.

If you’re planning on buying in 2026, don’t get caught in the storm, act now, let’s talk.

And as always, all glory to God.

01/14/2026

🏡 Putting Less Than 20% Down — What You Should Know

Putting less than 20% down is very common in Quebec, especially for first-time buyers, and it can be a smart move depending on your situation.

✔ Lower Interest Rates
The advantage to having an insured mortgage are the lower interest rates offered due to being a lower risk to the lender.

✔ Lower upfront cash required
With a smaller down payment, you keep more cash available for closing costs, furniture, renovations, or an emergency fund.

✔ Buy Sooner
You can get started quickly and begin to grow your new asset, or future home.

✔ Ideal for first-time buyers
This option is ideal for buyers with strong income who don’t want to wait on the sidelines and are ready to start building equity now.

✔ Mortgage insurance is required
With less than 20% down, mortgage insurance makes homeownership possible sooner, with the premium conveniently added to your mortgage

✖ Higher monthly payments
Because the loan amount is higher (and includes insurance), monthly payments are usually higher compared to a 20%+ down payment.

✖ Less equity at the beginning
You start with less ownership in the property, which can limit refinancing or equity access in the short term.

💡 Bottom line:
Less than 20% down isn’t a bad choice — it’s a strategy. For many buyers, it’s the fastest and most realistic way to become a homeowner.

📩 Buying your first home or exploring your options in Quebec?
Message me — I’ll help you decide what makes the most sense for you.

01/13/2026

🏡 DOWNPAYING 20% OR MORE - WHAT YOU SHOULD KNOW

A downpayment of 20% or more can be a great strategy, especially if you’re financially comfortable and thinking long-term.

✅ NO MORTGAGE INSURANCE REQUIRED
• With 20%+ down, you avoid CMHC/Sagen/Canada Guarantee insurance altogether, which will save you thousands of dollars over the life of your mortgage.

✅ LOWER MONTHLY PAYMENTS
• Because you are borrowing less, your monthly mortgage payment is lower, which can improve your cash flow and make budgeting easier.

✅ MORE EQUITY FROM DAY 1
• You start off in a stronger equity position in your home, which can be helpful if you plan to refinance, access a Home Equity Line of Credit(HELOC), or upgrade in the future.

✅ MORE FLEXIBILITY
• A higher downpayment often gives you more options when it comes to refinancing, rental properties, or structuring your mortgage to fit long-term goals.

❌ REQUIRES MORE CASH UPFRONT
• The biggest drawback is needing a large amount of savings right away, which isn’t always realistic or ideal for everyone.

❌MAY DELAY YOUR PURCHASE
• Waiting to reach 20% could mean missing opportunities in the market or continuing to pay rent while you save.

❌TIES UP CAPITAL
• That cash could potentially be used for renovations, investments, or as a financial safety cushion instead of being locked into the property.

💡 BOTTOM LINE:
20% down isn’t always “better” - it’s about choosing what works best for your financial needs and future plans.

What do you wanna talk about?
🗣

Adresse

Montreal, QC

Téléphone

+15142125063

Site Web

http://siacono.ca/

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