The Mortgage Centre - Dylan Schofield, Mortgage Agent

The Mortgage Centre - Dylan Schofield, Mortgage Agent Mortgage Agent Level 2 🏡 | Rock Capital Mortgage Brokerage #10556. 🌐 dylanschofieldmortgages.com

09/09/2026

🚨 PRICE IMPROVEMENT + MORTGAGE MATH 🚨

📍 372 Third Avenue East, North Bay
🏡 NOW $384,900 — a $15,000 reduction!

What could buying this home look like? Compare two down payment options 👇

💰 5% DOWN
Down payment: $19,245
Estimated mortgage: about $1,800/month
Household income illustration: about $96,700/year
Example rate: 3.94% — 3-year fixed

💰 20% DOWN
Down payment: $76,980
Estimated mortgage: about $1,520/month
Household income illustration: about $83,400/year
Example rate: 4.29% — 3-year fixed

Less cash upfront, or a smaller mortgage? Explore how your down payment changes the picture.

✨ 3 bedrooms | 1 bathroom
✨ Detached 24’ × 16’ insulated garage
✨ Fenced yard, deck & porch
✨ Many updates | Pre-inspected
📍 Central North Bay | MLS® X13730424

📱 The Schofield Team’s MCC Home Centre App
Your mortgage plan, in your pocket.

Get pre-qualified without a credit check, calculate payments and closing costs, and compare options.
mccapp.ca/app/dylan-schofield

Save this reel and contact us to explore your numbers.

Todd Schofield, Mortgage Broker & REALTOR®
📱 705-492-6833
📧 [email protected]

Dylan Schofield, Mortgage Agent Level 2 & REALTOR®
📱 705-492-0413
📧 [email protected]

Mortgage services: The Mortgage Centre – Rock Capital Mortgage, Brokerage #10556
Real estate services: Sutton–Choice Real Estate Inc., Brokerage

Rounded illustrations assume 30-year amortization and no other debts. Payments are principal and interest only; taxes, heat, insurance and closing costs are extra. Income illustrations use qualifying rates of 5.94% and 6.29% and depend on property expenses and lender criteria. Rates are subject to change. Insured 30-year financing requires eligibility. Estimates and pre-qualification are not lender approval.

Not intended to solicit anyone currently under contract.

🚨 PRICE IMPROVEMENT + MORTGAGE MATH 🚨246 Yonge Street, Bonfield is now $599,900!🌳🏡See how your estimated monthly mortgag...
08/26/2026

🚨 PRICE IMPROVEMENT + MORTGAGE MATH 🚨

246 Yonge Street, Bonfield is now $599,900!🌳🏡

See how your estimated monthly mortgage payment and income needed to qualifychange with:

💰 5% Down
💰 10% Down
💰 15% Down
💰 20% Down

✨ 3 Bedrooms
✨ 3 Bathrooms
✨ 2-Car Garage
✨ Finished Basement
✨ Above-Ground Pool
✨ Over ½-Acre Private Lot
✨ Minutes to Lake Nosbonsing

🏡 Now offered at $599,900 | MLS®: X13714804

📱 The Schofield Team’s MCC Home Centre App

Get pre-qualified without a credit check, calculate payments and closing costs, explore affordability, and compare mortgage options.

Your mortgage plan, in your pocket.
mccapp.ca/app/dylan-schofield

📞 For more details:

Todd Schofield, Mortgage Broker & REALTOR®
The Mortgage Centre - Rock Capital Mortgage Brokerage #10556
Sutton-Choice Real Estate Inc., Brokerage
📱 705-492-6833
📧 [email protected]

Dylan Schofield, Mortgage Agent Level 2 & REALTOR®
The Mortgage Centre - Rock Capital Mortgage Brokerage #10556
Sutton-Choice Real Estate Inc., Brokerage
📱 705-492-0413
📧 [email protected]

Rates as of August 26, 2026 are subject to change. Secure an interest rate by reaching out to Dylan Schofield today and get a pre-approval with a rate hold good for 120 days — 4 months. Example assumes borrower(s) have no debts. 3.99% rate used for monthly mortgage payment amounts listed above, not the qualifying rate. Higher stress-test rates of 5.99% and 6.49% were used to show the annual income needed to qualify. 4.49% 3-year Fixed Rate used for the 20% down example. First 5% on $500,000 is $25,000 + 10% on $99,900 = $9,990, which gives you $34,990 (CMHC guidelines - 5% down option).

Not intended to solicit anyone currently under contract.

🏡 Could 11 Milford Crescent, North Bay, ON fit your monthly budget?Based on a $459,900 purchase price, this mortgage exa...
08/25/2026

🏡 Could 11 Milford Crescent, North Bay, ON fit your monthly budget?

Based on a $459,900 purchase price, this mortgage example uses:

💰 5% Down Payment: $22,995
🏦 3-Year Fixed Rate: 3.99%
📆 30-Year Amortization
💳 Estimated Mortgage Payment: $2,158.10/month
📈 Estimated Income Needed: $116,708/year

🏠 Open House: This Saturday, August 29 from 11:00 AM–1:00 PM

Offers are being presented Monday, August 31—book your private showing or stop by the open house before offer night!

📞 For more details:

Todd Schofield, Mortgage Broker & REALTOR®
The Mortgage Centre - Rock Capital Mortgage Brokerage #10556
Sutton-Choice Real Estate Inc., Brokerage
📱 705-492-6833
📧 [email protected]

Dylan Schofield, Mortgage Agent Level 2 & REALTOR®
The Mortgage Centre - Rock Capital Mortgage Brokerage #10556
Sutton-Choice Real Estate Inc., Brokerage
📱 705-492-0413
📧 [email protected]

Not intended to solicit anyone currently under contract.

*Rates as of August 25, 2026 are subject to change. Secure an interest rate by reaching out to Dylan Schofield today and get a pre-approval with a rate hold. Good for 120 days - 4 months. Example assumes borrower(s) have no debts. Does not show total monthly shelter costs including utilities in the payment.

Mixing in some business and leisure ☀️🐅⛵️ Lot’s of great takeaways from Mortgage Centre Canada elite brokers across Can...
08/16/2026

Mixing in some business and leisure ☀️🐅⛵️

Lot’s of great takeaways from Mortgage Centre Canada elite brokers across Canada 🇨🇦 and great insights on market trends from Rich Spence and Angela AC at this years ELITE Mastermind in Niagara-on-the-Lake.

Representing North Bay strong. Great times and memories 👍 Loved meeting all the amazing mortgage brokers doing amazing things.

06/03/2026

📊 Here are the ACTUAL MORTGAGE COSTS to live on the desired MacBeth Crescent 🏔✨

At an asking price of $599,900, you can enjoy panoramic views of the nearby Laurentian Ski Hill from a quiet, family-oriented crescent.

Using my dual expertise as a REALTOR® and Mortgage Agent, here is the 5% down payment snapshot for this pre-inspected, turn-key home.

The Financial Breakdown (5% Down):

• Down Payment: $34,990 (5% on $500k + 10% on $99,900k)
• Monthly Mortgage Payment: $2,835
• Total Monthly Shelter Cost: $3,203
• Annual Household Income Needed: Approx. $147,877 (2% stress test)

*Rates as of June 3, 2026 and are subject to change. To secure an interest rate reach out to Dylan Schofield to complete a Pre-Approval with a rate hold. 4.09% 3-year Fixed Rate used in this example. Pre-approvals are good for four months, 120 days.

You will still need to qualify with the 2% stress test on top of an interest rate of 4.14% used in this example. Once your pre-approval becomes real via firm offer you get the 4.09% rate. These numbers show monthly costs given the 4.09% rate. Also, this example assumes no debts.

🏡 OPEN HOUSE THIS SATURDAY JUNE 6 10AM-12PM

💰 $599,900 | 🏡✨ MLS®: X13226714

📞 For more info:

Todd Schofield, REALTOR® Sutton-Choice Real Estate Inc., Brokerage 📱 705-492-6833
📧 [email protected]

Dylan Schofield, REALTOR® Sutton-Choice Real Estate Inc., Brokerage 📱 705-492-0413
📧 [email protected]

Mortgage Agent Level 2 🏡
The Mortgage Centre | Rock Capital Mortgage #10556

Not intended to solicit anyone currently under representation.

**SOLD**Here are the ACTUAL MORTGAGE COSTS to live on Lake Nipissing in North Bay, ON 🌅✨🌊At an asking price of $650,000,...
05/17/2026

**SOLD**

Here are the ACTUAL MORTGAGE COSTS to live on Lake Nipissing in North Bay, ON 🌅✨🌊

At an asking price of $650,000, 399 Jocko Point Road offers incredible waterfront views and a lifestyle most only dream of. Using my dual expertise as a REALTOR® and Mortgage Agent, here is the 5% down payment snapshot.

The Financial Breakdown (5% Down):

• Down Payment: $40,000 (5% on $500k + 10% on $150k)
• Monthly Mortgage Payment: $3,173
• Total Monthly Shelter Cost: $3,571 (includes leased land fee)
• Annual Household Income Needed: Approx. $165,147 (2% stress test)

*Rates as of May 17, 2026 and are subject to change. To secure an interest rate reach out to Dylan Schofield to complete a Pre-Approval with a rate hold. 4.39% 5-year Fixed Rate used in this example. Pre-approvals are good for four months, 120 days.

You will still need to qualify with the 2% stress test on top of the interest rate of 4.39% used in this example + another .10% which is a lender specific extra for pre-approvals specifically. Once your pre-approval becomes real via firm offer you get the 4.39% rate. These numbers show monthly costs given the 4.39% rate. Also, this example assumes no debts.

Imagine waking up to panoramic lake views every single day. 🛶 Let’s make your waterfront dreams a reality.

📞 For more info:

Todd Schofield, REALTOR® Sutton-Choice Real Estate Inc., Brokerage 📱 705-492-6833
📧 [email protected]

Dylan Schofield, REALTOR® Sutton-Choice Real Estate Inc., Brokerage 📱 705-492-0413
📧 [email protected]

Mortgage Agent Level 2 🏡
The Mortgage Centre | Rock Capital Mortgage #10556

Not intended to solicit anyone currently under representation.

05/05/2026

Lakefront living is closer than you think! 🌅✨ What does it actually cost to live on Lake Nipissing? 🌊

At $464,900, 411 Jocko Point Road offers incredible waterfront views and a lifestyle most only dream of. Using my dual expertise as a REALTOR® and Mortgage Agent, here is the 5% down payment snapshot.

The Financial Breakdown (5% Down):

Down Payment: $23,245
Monthly Mortgage Payment: $2,297
Total Monthly Shelter Cost: $2,696 (includes leased land fee)
Annual Income Needed: Approx. $101,087

*Rates as of May 4, 2026 and are subject to change. To secure an interest rate reach out to Dylan Schofield to complete a Pre-Approval with a rate hold. 4.39% 5-year Fixed Rate used in this example. Pre-approvals are good for four months, 120 days.

You will still need to qualify with the 2% stress test on top of the interest rate of 4.39% used in this example + another .10% which is a lender specific extra for pre-approvals specifically. Once your pre-approval becomes real via firm offer you get the 4.39% rate. These numbers show monthly costs given the 4.39% rate. That said, income will need to be higher than what is showed here. Also, this example assumes no debts.

Imagine waking up to panoramic lake views every single day. 🛶 Let’s make your waterfront dreams a reality.

📞 For more info:

Todd Schofield, REALTOR® Sutton-Choice Real Estate Inc., Brokerage 📱 705-492-6833
📧 [email protected]

Dylan Schofield, REALTOR® Sutton-Choice Real Estate Inc., Brokerage 📱 705-492-0413
📧 [email protected]

Mortgage Agent Level 2 🏡
The Mortgage Centre | Rock Capital Mortgage #10556

Not intended to solicit anyone currently under representation.

**SOLD**Ready to own a fully finished bungalow in North Bay? 🏡 Check out the math behind 13 Rosedale Court! 📊Buying a ho...
05/05/2026

**SOLD**

Ready to own a fully finished bungalow in North Bay? 🏡 Check out the math behind 13 Rosedale Court! 📊

Buying a home is about more than just the list price—it’s about the monthly fit. For this $389,900 semi-detached home, here is how the numbers look with the minimum down payment.

The Financial Breakdown (5% Down):

Down Payment: $19,495
Monthly Mortgage Payment: $1,927
Total Monthly Shelter Cost: $2,192
Annual Income Needed: Approx. $82,189

*Rates as of May 4, 2026 and are subject to change. To secure an interest rate reach out to Dylan Schofield to complete a Pre-Approval with a rate hold. 4.39% 5-year Fixed Rate used in this example. Pre-approvals are good for four months, 120 days.

You will still need to qualify with the 2% stress test on top of the interest rate of 4.39% used in this example + another .10% which is a lender specific extra for pre-approvals specifically. Once your pre-approval becomes real via firm offer you get the 4.39% rate. These numbers show monthly costs given the 4.39% rate. That said, income will need to be higher than what is showed here. Also, this example assumes no debts.

With a dream kitchen, tall basement ceilings, and a separate walk-up entrance, this is a strong base to build your future. Let’s get you pre-approved and into a showing! 🛠️✨

📞 For more info:

Todd Schofield, REALTOR® Sutton-Choice Real Estate Inc., Brokerage 📱 705-492-6833
📧 [email protected]

Dylan Schofield, REALTOR® Sutton-Choice Real Estate Inc., Brokerage 📱 705-492-0413
📧 [email protected]

Mortgage Agent Level 2 🏡
The Mortgage Centre | Rock Capital Mortgage #10556

Not intended to solicit anyone currently under representation.

**SOLD**Can you buy this charming bungalow on the Ontario-Quebec border? 🛶 Let’s break down the numbers! 📉As both a REAL...
05/05/2026

**SOLD**

Can you buy this charming bungalow on the Ontario-Quebec border? 🛶 Let’s break down the numbers! 📉

As both a REALTOR® and Mortgage Agent, I’m showing you exactly what it takes to own 3 Pine Street. At a purchase price of $229,900, you can get started with as little as 5% down.

The Financial Breakdown (5% Down):

Down Payment: $11,495
Monthly Mortgage Payment: $1,136
Total Monthly Shelter Cost: $1,405
Annual Income Needed: Approx. $52,688

*Rates as of May 4, 2026 and are subject to change. To secure an interest rate reach out to Dylan Schofield to complete a Pre-Approval with a rate hold. 4.39% 5-year Fixed Rate used in this example. Pre-approvals are good for four months, 120 days.

You will still need to qualify with the 2% stress test on top of the interest rate of 4.39% used in this example + another .10% which is a lender specific extra for pre-approvals specifically. Once your pre-approval becomes real via firm offer you get the 4.39% rate. These numbers show monthly costs given the 4.39% rate. That said, income will need to be higher than what is showed here. Also, this example assumes no debts.

Stop renting and start building equity in this move-in-ready home featuring a renovated kitchen and an 11,500W Champion generator included for total peace of mind! ⚡️

📞 For more info:

Todd Schofield, REALTOR® Sutton-Choice Real Estate Inc., Brokerage 📱 705-492-6833
📧 [email protected]

Dylan Schofield, REALTOR® Sutton-Choice Real Estate Inc., Brokerage 📱 705-492-0413
📧 [email protected]

Mortgage Agent Level 2 🏡
The Mortgage Centre | Rock Capital Mortgage #10556

Not intended to solicit anyone currently under representation.

04/28/2026

🚨 Wondering exactly what a pre-approval looks like for a $500K home? Here’s the real breakdown.

Most first-time buyers are shocked by the extra closing costs they didn’t budget for. From land transfer taxes to legal fees — you need to know exactly how much cash you’ll actually need on closing day 🏡💰

Did you know pre-approvals are good for 120 days (4 months)? Plus, if rates drop before you close, you’re guaranteed the lowest rate available 📉

Save this for later 🔖 Send it to someone who’s dreaming of buying their first home this year.

Questions about buying in North Bay & Area? DM me or visit mortgagebrokernorthbay.com (LINK IN BIO) — I’ll walk you through the numbers 🏡

Address

North Bay, ON
P1A, P1B, P1C

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