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Irma Sebastiano, Mortgage Agent Level 2

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Niagara Falls, ON
Irma Sebastiano, Mortgage Agent Level 2

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Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Irma Sebastiano, Mortgage Agent Level 2, Mortgage brokers, 4725 Dorchester Road Unit B4, Niagara Falls, ON.

Delivering unparalleled service excellence while ensuring clients benefit from the most competitive rates.

905-321-9396

[email protected]

Powered by RMA - Real Mortgage Associates #10646

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10/28/2026

BANK OF CANADA RATE UPDATE | OCTOBER 28, 2026
The Bank of Canada announced a small interest rate increase of 0.25% today.

Here's the good news!

*Variable mortgage rates are still lower than many fixed rates available today.

*If you already have a fixed-rate mortgage, your rate stays the same.

*Buying a home or renewing your mortgage? There are still great options available!

**A little change in rates doesn't change the bigger picture.**

Every mortgage is different, and what matters most is finding the right option for you.

We're here to keep you informed and make mortgages simple!

Call today: 905.321.9396 or 289.241.4962

10/08/2026

You work hard. You pay your bills. But somehow, there's never much left at the end of the month.

Sound familiar?

We hear it all the time from homeowners:

💬 “How much would my new mortgage payment be?”

💬 “Can I pay off my credit cards, car loans, and other debts?”

💬 “How much more money could I have left over every month?”

These are the questions we help homeowners answer every day!

What if you could combine your mortgage and other debts into one payment instead of juggling all those different bills every month?

For some homeowners, this could mean lower monthly payments and more money left in their bank account.

For others, keeping things exactly as they are might be the better choice.

The only way to know is to run the numbers!

Let's look at what you're paying now, what your new payments could look like, and whether making a change would actually help.

Sometimes the numbers might surprise you. Let's find out!

Send us a message. We'd love to help you figure it out!

Irma & Tina Sebastiano
Real Mortgage Associates Inc.

09/24/2026

Let us show you what debts could be paid off, what your new monthly payment could look like, and how much cash flow you could free up each month.

Want to see YOUR numbers?
Call or text Irma & Tina at 905-321-9396

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

08/24/2026

Planning to buy this fall?

Before you start house hunting, it helps to know what you can comfortably afford and what mortgage options are available to you.

Getting prepared first can make your home search easier and help you shop with confidence when the right property comes along.

Thinking about making a move? Call or text us today and let’s get you prepared.
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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08/04/2026

How much income do you really need to buy a home?

There isn't one magic income that guarantees mortgage approval.
In fact, it's not just about your income.

When we review your mortgage options, we also consider:

Your down payment
Your monthly debts
Your credit history
The purchase price
Current interest rates

That's why two people earning the same income can qualify for very different mortgage amounts.

If you're wondering what you may qualify for, we'd be happy to help.
Contact us for a FREE, no-obligation mortgage review.
905.321.9396 or 289.241.4962
[email protected] / [email protected]
No pressure. No obligation. Just honest mortgage advice.

07/28/2026

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.

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!

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

Address

4725 Dorchester Road Unit B4
Niagara Falls, ON
L2H1H5

Opening Hours

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

Telephone

+19053219396

Website

http://www.irmasebastiano.com/

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