Irma Sebastiano, Mortgage Agent Level 2

Irma Sebastiano, Mortgage Agent Level 2 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

M12002096

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

Planning to buy this fall?Before you start house hunting, it helps to know what you can comfortably afford and what mort...
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

Summer is meant to be enjoyed.But vacations, home projects and everyday expenses can add up quickly.If you're carrying h...
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

,

How much income do you really need to buy a home?There isn't one magic income that guarantees mortgage approval.In fact,...
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.

Think you need 20% down to buy a home? Think again!One of the biggest misconceptions about buying a home is that you nee...
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.

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, we are 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!

Irma Sebastiano
Mortgage Agent Level 2
📞 905.321.9396

What if the retirement you've been dreaming about is already sitting inside your home?Many Ontario homeowners aged 55+ d...
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.

06/13/2026

I am proud to share that I have earned my CCRMC (Certified Canadian Reverse Mortgage Consultant) designation!

As a Mortgage Agent, I believe that learning never stops. The more knowledge I have, the better I can serve my clients and help them make informed financial decisions.

This program has expanded my understanding of reverse mortgages, retirement income planning, homeowner equity solutions, and the unique financial needs of Canadians as they move into retirement.

With more Canadians looking for ways to maintain their lifestyle, stay in their homes, and access the equity they have worked so hard to build, it is more important than ever to have knowledgeable professionals who can guide them through their options with confidence.

A special thank you to Ron De Silva for creating and delivering such an informative and valuable program. Your commitment to education and excellence within the mortgage industry is truly appreciated.

I am excited to bring this additional knowledge to my clients and continue helping homeowners across Ontario find mortgage solutions that fit their goals, whether they are purchasing, refinancing, renewing, or exploring reverse mortgage options.

If you have questions about reverse mortgages, retirement financing, or accessing the equity in your home, feel free to reach out. I would be happy to help.



Another step forward in my commitment to providing the best advice and service possible for my clients.

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

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