André Bourgeault mortgages

André Bourgeault mortgages Mortgage Agent Level 2
License # M22003261
Real Mortgage Associates Inc.
289-668-2423 | [email protected]

Buying a home this spring? Here’s what to consider before you dive in! 🏡Spring is a competitive season for buyers, so pr...
03/18/2026

Buying a home this spring? Here’s what to consider before you dive in! 🏡

Spring is a competitive season for buyers, so preparation is key! Make sure you’re ready by thinking through these essentials:

✨ Your Budget – Factor in not just the purchase price, but also closing costs, property taxes, and potential renovations.
✨ Your Savings – Do you have a financial cushion for unexpected repairs or upgrades after moving in?
✨ Your Time – Be ready to act fast! Homes sell quickly, so set aside time for house hunting and making strong offers.

Knowing the process ahead of time will help you navigate the market with confidence and land your dream home stress-free.

Ready to start your journey? Let’s talk!

Scared to check your credit? Don’t be! 🛑Most people avoid looking at their credit report because they’re afraid of what ...
03/16/2026

Scared to check your credit? Don’t be! 🛑

Most people avoid looking at their credit report because they’re afraid of what they’ll find. But here’s the secret: knowing your score is the first step to fixing it! Whether you’re ready to buy now or a year from now, let's look at it together so we can build a plan.

💬 DM me to start the conversation.

Cash-to-close on a home purchase is a term that can be misleading, but it simply refers to the total amount of money yo...
03/12/2026

Cash-to-close on a home purchase is a term that can be misleading, but it simply refers

to the total amount of money you need at closing, including:

· Your down payment

· Closing costs

· Prepaids

· Interest

This “cash” is outlined by the good faith estimate you originally received from your lender along with the final closing disclosure you’ll get three days before the closing date.

If you have some cash-to-close held in escrow, such as your earnest money to the seller, it will be added to the rest of your down payment that you bring to closing.

Closing costs range from 2-5% of your loan. These include all the professional fees associated with your home purchase:

· Title searches

· Attorney fees

· Recording fees

· Lender fees, such as appraisals and loan origination fees

Other cash-to-close fees may include pre-paid monies for home insurance, your prorated share of the year’s property taxes, and any government (FHA, VA, USDA) fees tied to your loan. Last, you’ll pay per diem interest between closing day and your first monthly payment due date.

💰 Buying a home soon? Understanding cash-to-close can help you avoid surprises
at the closing table.

Your mortgage maturity date is an important milestone in your homeownership journey. 🏡It’s the point where your mortgage...
03/09/2026

Your mortgage maturity date is an important milestone in your homeownership journey. 🏡

It’s the point where your mortgage term ends and you have the opportunity to renew, refinance, or pay off the remaining balance. Knowing your options ahead of time can help you secure better rates and make the best financial decision for your future.

📅 Is your mortgage maturity date coming up?
Let’s review your options and find the best strategy for you.

📩 Send me a message to discuss your mortgage plan today!

🏡💰

03/05/2026

POV: You add a little extra to your mortgage every month.

Years shaved off your loan.
Thousands saved in interest.
A peace of mind that comes with being closer to financial freedom
And a home paid off sooner. 🏡

Want more smart homeowner tips?
💾 Save this post and send me a message!

Interest rates change. Markets shift. Prices move.But time? Time is something you can’t get back.If you’re sitting on th...
03/02/2026

Interest rates change. Markets shift. Prices move.
But time? Time is something you can’t get back.

If you’re sitting on the fence, let’s run the numbers and create a smart plan that works for today — not “someday.”

📩 Message me to see what your options look like right now.

📅 Maturity Date Matters More Than You Think!Your mortgage maturity date isn’t just a date on paper — it’s your opportuni...
02/26/2026

📅 Maturity Date Matters More Than You Think!

Your mortgage maturity date isn’t just a date on paper — it’s your opportunity.

It’s the time when your mortgage term ends and you can:
🔄 Renew
💰 Refinance
🏦 Pay off the remaining balance

This is your window to review your rate, adjust your strategy, and potentially save thousands.

Don’t wait until the last minute — planning ahead gives you leverage.

📩 Have a maturity date coming up? Message me now and let’s build a smart renewal strategy that works for you.

Many buyers are sitting on the sidelines hoping for lower interest rates… but when rates drop, competition goes UP. 📈Tha...
02/24/2026

Many buyers are sitting on the sidelines hoping for lower interest rates… but when rates drop, competition goes UP. 📈

That means:
✔️ More buyers in the market
✔️ Multiple offers
✔️ Higher home prices
✔️ Less negotiating power

Sometimes the smarter strategy is buying now, securing the right home, and refinancing later when rates improve. 💡

The right move isn’t about timing the market — it’s about having the right plan.

Thinking about buying in Canada? Let’s run the numbers and build a strategy that works for YOU.

📩 DM to chat

Your mortgage term isn’t just a number — it’s your financial timeline. 🏡A shorter term = higher payments but less intere...
02/16/2026

Your mortgage term isn’t just a number — it’s your financial timeline. 🏡

A shorter term = higher payments but less interest.
A longer term = lower payments but more interest over time.

The right choice can save (or cost) you thousands.

Thinking of buying or refinancing? Let’s choose a term that works for your goals.

📩 Message me to run the numbers.

Save this for later!

Discover the mortgage that fits like a glove! 🏡Did you know the best home loan for you hinges on your financial goals, r...
01/20/2026

Discover the mortgage that fits like a glove! 🏡

Did you know the best home loan for you hinges on your financial goals, risk appetite, and unique situation?

Yes, your path to homeownership is tailored just for you! Dive deeper into finding your perfect mortgage match by getting in touch today.

☀️ Make the Most of Summer – Right in Your Community!Here’s your local summer bucket list full of simple, memorable ways...
07/12/2025

☀️ Make the Most of Summer – Right in Your Community!
Here’s your local summer bucket list full of simple, memorable ways to enjoy the season:

🏐 Play beach volleyball
🔥 Make s’mores under the stars
🌱 Start a garden
🚤 Rent a boat
🌭 Host a backyard BBQ
🐶 Foster a furry friend!

Summer memories don’t have to be far from home — just meaningful moments with the people (and pets!) you love. 🌻

🏡 Thinking of buying, refinancing, or renewing your mortgage this summer?
Let’s talk!

📞 289-668-2423
📧 [email protected]

🏡 Starting your home buying journey early is key to success!Getting your finances in order and understanding your budget...
07/11/2025

🏡 Starting your home buying journey early is key to success!

Getting your finances in order and understanding your budget upfront gives you a clear picture of what you can afford. This preparation allows you to act quickly when the right home comes along and helps avoid surprises later in the process.

Being well-prepared means you’ll shop with confidence and make informed decisions every step of the way. If you want guidance on how to get ready to buy, reach out anytime. Let's navigate the journey smoothly!

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Niagara Falls, ON

Telephone

+12896682423

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