Tina Sebastiano Mortgage Broker

Tina Sebastiano Mortgage Broker Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Tina Sebastiano Mortgage Broker, Mortgage brokers, 4725 Dorchester Road Unit 4, Niagara Falls, ON.

Obtaining the most competitive rates while maintaining top-tier service quality.

289-241-4962

[email protected]

Powered by RMA - Real Mortgage Associates #10646

M19000491

08/31/2026

Summer is winding down, routines are returning, and September is a great time for a fresh start.

If your monthly expenses are feeling a little heavier than you'd like, it may be worth taking a fresh look at your mortgage.

From consolidating higher-interest debts to improving monthly cash flow, there may be options available to help make your finances more manageable.

Every situation is different. We're here to help you understand your options privately and without pressure.

Call or text us today to see what options may be available to you.
905.321.9396 or 289.241.4962

08/17/2026

Summer is meant to be enjoyed.

But vacations, home projects and everyday expenses can add up quickly.

If you're carrying higher-interest credit cards, loans or lines of credit,
refinancing may be an option to help simplify your finances and improve monthly cash flow.

Every situation is different. We're here to help you understand your options privately and without pressure.

Call or text us today to see what options may be available to you.
905.321.9396 or 289.241.4962

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07/31/2026

Think you need 20% down to buy a home? Think again!

One of the biggest misconceptions about buying a home is that you need a 20% down payment. The truth is, many buyers qualify with much less.

Every situation is different, and your minimum down payment depends on the purchase price, your financial situation, and lender guidelines.

If you've been wondering whether homeownership is within reach, let's have a conversation.

Send us a private message or give us a call for a FREE, no-obligation mortgage review.

We'll help you understand:
How much down payment you may need
What you could qualify for
Your mortgage options before you start house hunting

No pressure. No obligation. Just honest mortgage advice.

BANK OF CANADA RATE UPDATENO RATE CHANGE! The Bank of Canada announced today that it is holding its policy rate at 2.25%...
07/15/2026

BANK OF CANADA RATE UPDATE
NO RATE CHANGE!

The Bank of Canada announced today that it is holding its policy rate at 2.25%.

What does this mean for you?
Variable-rate mortgages: No change following today’s announcement.
Lines of credit: No change following today’s announcement.
Fixed mortgage rates: Not directly affected by Bank of Canada rate announcements, as fixed rates are influenced mainly by the bond market.

Canada’s economy is showing signs of improvement, and inflation is expected to gradually move closer to the Bank’s 2% target.

The next Bank of Canada rate announcement is scheduled for September 2, 2026.

Thinking about buying, refinancing, renewing, or switching your mortgage? Don’t sit on the fence waiting for a Bank of Canada announcement, let’s review your options and see what makes sense for you today.

Send us a message for a free, no-obligation mortgage review!

Are you sitting on the fence waiting for mortgage rates to drop?Here is something important to know: Any change announce...
07/14/2026

Are you sitting on the fence waiting for mortgage rates to drop?

Here is something important to know:
Any change announced by the Bank of Canada directly affects variable-rate mortgages and lines of credit. Not fixed mortgage rates.

Fixed mortgage rates are influenced more by the bond market and can move independently of Bank of Canada rate announcements.

If you currently have, or are considering a variable-rate mortgage, tomorrow’s announcement may affect you.

Stay tuned! We will share an update once the announcement has been made.

Have questions about fixed versus variable rates?
Send us a message. We’re always happy to help.

Irma & Tina ~ Mortgages Made Simple

Think you can't afford a home? Think again!Many people believe they need a large down payment or perfect credit to buy t...
07/09/2026

Think you can't afford a home? Think again!

Many people believe they need a large down payment or perfect credit to buy their first home, but that's not always the case.

Whether you're ready to buy now or simply want to know where you stand, I'm here to help. Together, we'll review your finances, explain your mortgage options, and determine what you may qualify for.

Free mortgage consultation
Free pre-approval
Access to multiple lenders
Personalized advice every step of the way

The first step is simply finding out what's possible.

Let's start your homeownership journey!

Tina Sebastiano
Mortgage Broker
📞 289-241-4962

07/06/2026

What if the retirement you've been dreaming about is already sitting inside your home?

Many Ontario homeowners aged 55+ don't realize they may be able to access their home's equity tax-free—without selling their home or making monthly mortgage payments.

A reverse mortgage could help you:
✔️ Supplement your retirement income
✔️ Pay off debt
✔️ Help your family
✔️ Travel or renovate
✔️ Enjoy greater financial peace of mind

As a Certified Canadian Reverse Mortgage Consultant, I'm here to provide honest, expert advice and help you understand whether a reverse mortgage is the right fit for your goals.

Let's have a confidential, no-obligation conversation. Your options may be better than you think.

Your home. Your equity. Your future.

Good news for homeowners and buyers — the Bank of Canada has announced that it is keeping its key interest rate unchange...
06/10/2026

Good news for homeowners and buyers — the Bank of Canada has announced that it is keeping its key interest rate unchanged at 2.25%.

While global events and economic uncertainty continue to impact markets, inflation remains under control, and the Bank has chosen to hold rates steady for now.

What does this mean for you?
*Variable-rate mortgage holders will see no change to their rate.
*Homebuyers can continue planning with more certainty.
*Mortgage renewal clients still have opportunities to review their options and potentially save money.

The next Bank of Canada rate announcement is scheduled for July 15, 2026.

Have questions about your mortgage, renewal, refinance, or purchasing a home? Reach out anytime—We are happy to help!

Looking to buy, refinance, renew, invest, or simply explore your mortgage options?Our brand-new website is now live and ...
06/01/2026

Looking to buy, refinance, renew, invest, or simply explore your mortgage options?

Our brand-new website is now live and packed with information to help you make informed mortgage decisions.

First-Time Home Buyers
Mortgage Renewals
Refinancing
Debt Consolidation
Investment Properties
Reverse Mortgages

For over 15 years, we've been helping Ontario families navigate the mortgage process. Now getting started is easier than ever.

https://irmasebastiano.com/

Mortgages Made Simple. Solutions Made for You.

Whether you’re buying your first home, moving, renewing, or refinancing — we’re here to help.A lot of people are feeling...
05/25/2026

Whether you’re buying your first home, moving, renewing, or refinancing — we’re here to help.

A lot of people are feeling stuck right now, wondering:
“Should I wait?”
“Should I lock in?”
“Can I even afford to move?”

That’s exactly why having a plan matters.

Call us today to review your options and see what may be possible for you.
905-321-9396 or 289-241-4962
Irma & Tina

Address

4725 Dorchester Road Unit 4
Niagara Falls, ON
L2E0A8

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+12892414962

Website

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