Mortgages by Michelina

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!

The quickest way to lower your mortgage payment?πŸ‘‰ Extend your amortization from 25 years to 30 years.This stretches the ...
10/03/2025

The quickest way to lower your mortgage payment?

πŸ‘‰ Extend your amortization from 25 years to 30 years.

This stretches the loan over a longer period, reducing your monthly payment and easing cash flow.

βœ… Great if you need breathing room in your budget

⚠️ Remember: a longer term means paying more interest over time.

Let’s review your numbers and see if this strategy fits your goals before making a move.

𝐌𝐒𝐜𝐑𝐞π₯𝐒𝐧𝐚 𝐃𝐨𝐬 π’πšπ§π­π¨π¬
𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 π€π πžπ§π­ π‹πžπ―πžπ₯ 𝟐
π‹π’πœπžπ§πœπž #πŒπŸπŸπŸŽπŸŽπŸπŸπŸ—πŸ–

πŸ“ž (647) 883-5052
πŸ“© [email protected]
🌐 www.mortgagesbymichelina.ca

Don’t just chase the lowest rate. ❌It’s not only about fixed vs. variable, it’s about the right mortgage strategy for yo...
10/02/2025

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.

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

πŸ‘¨β€πŸ‘©β€πŸ‘§ 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.

𝐌𝐒𝐜𝐑𝐞π₯𝐒𝐧𝐚 𝐃𝐨𝐬 π’πšπ§π­π¨π¬
𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 π€π πžπ§π­ π‹πžπ―πžπ₯ 𝟐
π‹π’πœπžπ§πœπž #πŒπŸπŸπŸŽπŸŽπŸπŸπŸ—πŸ–

πŸ“ž (647) 883-5052
πŸ“© [email protected]
🌐 www.mortgagesbymichelina.ca

First-time buyer? The Home Buyers’ Plan lets you pull up to $35,000 from your RRSP tax-free for your down payment.It can...
09/30/2025

First-time buyer? The Home Buyers’ Plan lets you pull up to $35,000 from your RRSP tax-free for your down payment.

It can help you buy sooner, but you’ll need to repay it over 15 years, so plan for those payments.

I can check your eligibility, run the monthly repayment numbers, and see if the HBP fits your plan.

𝐌𝐒𝐜𝐑𝐞π₯𝐒𝐧𝐚 𝐃𝐨𝐬 π’πšπ§π­π¨π¬
𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 π€π πžπ§π­ π‹πžπ―πžπ₯ 𝟐
π‹π’πœπžπ§πœπž #πŒπŸπŸπŸŽπŸŽπŸπŸπŸ—πŸ–

πŸ“ž (647) 883-5052
πŸ“© [email protected]
🌐 www.mortgagesbymichelina.ca

Home sales are rising again!Increased buyer activity means more opportunities but also quicker competition in popular ne...
09/29/2025

Home sales are rising again!

Increased buyer activity means more opportunities but also quicker competition in popular neighborhoods𝐌𝐒𝐜𝐑𝐞π₯𝐒𝐧𝐚 𝐃𝐨𝐬 π’πšπ§π­π¨π¬
𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 π€π πžπ§π­ π‹πžπ―πžπ₯ 𝟐
π‹π’πœπžπ§πœπž #πŒπŸπŸπŸŽπŸŽπŸπŸπŸ—πŸ–

πŸ“ž (647) 883-5052
πŸ“© [email protected]
🌐 www.mortgagesbymichelina.ca

.

If you are thinking of buying, get pre-approved and have your financing in place so you can move quickly when the right place appears.

Message me to start a pre-approval today.

BoC cuts rates: What to do next!The Bank of Canada lowered its rate to 2.5%, but fixed mortgage rates may take time to d...
09/24/2025

BoC cuts rates: What to do next!

The Bank of Canada lowered its rate to 2.5%, but fixed mortgage rates may take time to drop.

Get pre-approved and make a plan so you’re ready.
Message me to run your numbers.

𝐌𝐒𝐜𝐑𝐞π₯𝐒𝐧𝐚 𝐃𝐨𝐬 π’πšπ§π­π¨π¬
𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 π€π πžπ§π­ π‹πžπ―πžπ₯ 𝟐
π‹π’πœπžπ§πœπž #πŒπŸπŸπŸŽπŸŽπŸπŸπŸ—πŸ–

πŸ“ž (647) 883-5052
πŸ“© [email protected]
🌐 www.mortgagesbymichelina.ca

30-year amortizations can lower payments πŸ“ŠMortgage insurers have clarified eligibility for extended amortizations and pr...
09/19/2025

30-year amortizations can lower payments πŸ“Š

Mortgage insurers have clarified eligibility for extended amortizations and program enhancements that help some buyers lower monthly payments on new purchases.

If you are looking at a new build or a low down payment purchase ask about insurer rules and lender specific amortization options before you write an offer.

Reach out to check whether you qualify for a 30-year amortization or other insurer backed programs.

𝐌𝐒𝐜𝐑𝐞π₯𝐒𝐧𝐚 𝐃𝐨𝐬 π’πšπ§π­π¨π¬
𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 π€π πžπ§π­ π‹πžπ―πžπ₯ 𝟐
π‹π’πœπžπ§πœπž #πŒπŸπŸπŸŽπŸŽπŸπŸπŸ—πŸ–

πŸ“ž (647) 883-5052
πŸ“© [email protected]
🌐 www.mortgagesbymichelina.ca

Not all lenders are the same!Some lenders called "monolines" can offer products and underwriting that the big banks do n...
09/18/2025

Not all lenders are the same!

Some lenders called "monolines" can offer products and underwriting that the big banks do not.

That means better fits for people with non-standard income, condo purchases, or unique down payment situations.

If you have freelance income, a short credit history, or need a new build top up, using a broker who shops both monolines and banks can often find a smoother path to approval and competitive pricing for you.

Send a message to explore which lenders will look best at your file.

𝐌𝐒𝐜𝐑𝐞π₯𝐒𝐧𝐚 𝐃𝐨𝐬 π’πšπ§π­π¨π¬
𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 π€π πžπ§π­ π‹πžπ―πžπ₯ 𝟐
π‹π’πœπžπ§πœπž #πŒπŸπŸπŸŽπŸŽπŸπŸπŸ—πŸ–

πŸ“ž (647) 883-5052
πŸ“© [email protected]
🌐 www.mortgagesbymichelina.ca

It finally happened!!! πŸŽ†The Bank of Canada cut rates by 0.25% today, and Prime just slipped from 4.95% to 4.70% for the ...
09/17/2025

It finally happened!!! πŸŽ†

The Bank of Canada cut rates by 0.25% today, and Prime just slipped from 4.95% to 4.70% for the first time since August 2022!

That could mean a little breathing room for variable-rate mortgages and lines of credit.

Wondering how much this could save you?

Reach out and I can run the numbers for your situation.

𝐌𝐒𝐜𝐑𝐞π₯𝐒𝐧𝐚 𝐃𝐨𝐬 π’πšπ§π­π¨π¬
𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 π€π πžπ§π­ π‹πžπ―πžπ₯ 𝟐
π‹π’πœπžπ§πœπž #πŒπŸπŸπŸŽπŸŽπŸπŸπŸ—πŸ–

πŸ“ž (647) 883-5052
πŸ“© [email protected]
🌐 www.mortgagesbymichelina.ca

Buying your first home? Start here.Pre-approval, budgeting, and a winning offer are the three things that make the diffe...
09/15/2025

Buying your first home? Start here.

Pre-approval, budgeting, and a winning offer are the three things that make the difference.

Reach out to me for a 15-minute pre-approval review and we will map your next steps.

𝐌𝐒𝐜𝐑𝐞π₯𝐒𝐧𝐚 𝐃𝐨𝐬 π’πšπ§π­π¨π¬
𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 π€π πžπ§π­ π‹πžπ―πžπ₯ 𝟐
π‹π’πœπžπ§πœπž #πŒπŸπŸπŸŽπŸŽπŸπŸπŸ—πŸ–

πŸ“ž (647) 883-5052
πŸ“© [email protected]
🌐 www.mortgagesbymichelina.ca

Renewal Due Soon?Many mortgages renew in the next 12 months and higher payments are possible.I’ll compare your break pen...
09/12/2025

Renewal Due Soon?

Many mortgages renew in the next 12 months and higher payments are possible.

I’ll compare your break penalty and renewal offers so you know whether to lock a rate or wait.

It takes one quick review to avoid a costly surprise.

Send a message to schedule a renewal check.

𝐌𝐒𝐜𝐑𝐞π₯𝐒𝐧𝐚 𝐃𝐨𝐬 π’πšπ§π­π¨π¬
𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 π€π πžπ§π­ π‹πžπ―πžπ₯ 𝟐
π‹π’πœπžπ§πœπž #πŒπŸπŸπŸŽπŸŽπŸπŸπŸ—πŸ–

πŸ“ž (647) 883-5052
πŸ“© [email protected]
🌐 www.mortgagesbymichelina.ca

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Oshawa, ON

Telephone

+16478835052

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