Mortgages by Michelina

Home
Canada
Oshawa, ON
Mortgages by Michelina

Working with me gives you a partner in mortgages who you know you can trust, now and in the future. Contact me anytime to discuss your options.

Helping you afford your dream home. I am here for you! My Philosophy

I believe that mortgages shouldn’t be complicated. As a hopeful homebuyer, you should be able to approach the mortgage process with guidance and insight that can bring you the results you want. That’s what I’m here for. You can count on me to be honest and tell you like it is no matter how complex the situation, and to always wo

rk to the best of my abilities to determine the strategy that fits your needs and goals. Working with me gives you a partner in mortgages and finances who you know you can trust, now and in the future. Visit my website today for more information. Let's work together!

09/04/2026

What is more important than the lowest rate?

A mortgage strategy.

A mortgage isn’t just about getting approved, it’s about building a plan that works today and years from now.

Start with clarity, understand the process, and make choices that keep your goals in focus.

Michelina Dos Santos
Mortgage Agent Level 2
Licence
Telephone #: (647) 883-5052
Email: [email protected]
Website: https://mortgagesbymichelina.ca

09/03/2026

Don’t just chase the lowest rate.

It’s not only about fixed vs. variable, it’s about the right mortgage strategy for your life.

Will you be comfortable with fluctuating payments, or do you prefer the same amount every month?

Planning a family or a move to a new city? A shorter term might give you flexibility.

Thinking long-term? The product, term, and structure you choose today can save you thousands and keep future options open.

Let’s talk about the mortgage that fits your plans, not just the rate sheet.

Michelina Dos Santos
Mortgage Agent Level 2
Licence
Telephone #: (647) 883-5052
Email: [email protected]
Website: https://mortgagesbymichelina.ca

09/02/2026

Whether you want lower payments, cashflow relief, equity access, or a move up strategy, I can help you see exactly what is possible with your property.

Message me anytime to get started!

09/01/2026

Your mortgage isn’t just about paying off debt. It’s a long-term strategy to build wealth and security for your family.

Working with a broker ensures you’re in the right mortgage to maximize equity growth.

📞 647-883-5052
📩 [email protected]
🌐 mortgagesbymichelina.ca

08/31/2026

Why Pre-Approvals Matter:

Shopping for a home without a pre-approval is like setting sail without a map.

A pre-approval gives you clarity, confidence, and negotiating power.

Don’t skip this step, your broker can guide you through it.

Call me to get pre-approved before you shop!

📞 647-883-5052
📩 [email protected]
🌐 mortgagesbymichelina.ca

08/28/2026

Is it worth buying a rental property right now? 🤔

Before buying, consider:

📍 Location: Strong rental demand? Growing industries nearby?
🏠 Tenant or vacant? Can you rent it out immediately?
💰 Cash flow: Does the rent cover expenses, future repairs and still profit?
📈 Future growth: Will the property appreciate over time?
🤝 Management: Local or need a property manager?

Want to know which cities make sense? Comment "RENTAL" to connect!

📞 647-883-5052
📧 [email protected]
🌐 mortgagesbymichelina.ca

08/27/2026

Which one makes sense for you? 🤔

If you have short-term plans or uncertainty, a lower penalty could save you thousands down the road.

Life changes—job promotions, growing families, or relocations could mean breaking your mortgage early. The longer your term, the higher the penalty if you need to exit.

A low rate seems great now, but a big penalty later can cost way more than the savings upfront.

Let’s plan ahead and choose what’s best for your future.

📞 647-883-5052
📧 [email protected]
🌐 mortgagesbymichelina.ca

08/26/2026

Need more space? You can still get a mortgage on mat leave! 👶🏡

Congrats on your growing family! If you're feeling like you need more space, that’s totally natural— and yes, you can still qualify for a mortgage!

✅ Past income counts
✅ Confirmed return-to-work date helps
✅ Lender rules vary, but options exist

Let’s find the best fit for you. Reach out today to get started!

📲647 -883-5052
📩 [email protected]
🌐 mortgagesbymichelina.ca

08/25/2026

Buying a rental property is easier to manage when you follow a clear process.

Start by assessing your budget and expected rental income. Then review qualification rules, set aside funds for repairs, and build a plan that fits your goals and timeline.

If you want support with the financing side, I can help you get started.

📞 647-883-5052
📧 [email protected]
🌐 mortgagesbymichelina.ca

08/24/2026

Counting on overtime for mortgage approval? Here’s how lenders actually assess it:

✅ Less than 2 years? Not counted.
✅ Income went up? 2-year average.
✅ Income dropped? Lower year used.

Lenders may consider overtime or bonus income—but only if it’s consistent!

📲647-883-5052
📩 [email protected]
🌐 mortgagesbymichelina.ca

Address

Oshawa, ON

Telephone

+16478835052

Website

http://mortgagesbymichelina.ca/

Alerts

Be the first to know and let us send you an email when Mortgages by Michelina posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Mortgages by Michelina:

Want your business to be the top-listed Finance Company in Oshawa?