Lez Gomez

09/01/2026

مورگیج کیا ہے اور یہ کیسے کام کرتا ہے؟ ابتدائی رہنمائی
Let’s connect and talk about the latest insights in the industry!

08/31/2026

Tips for Easier Home Buying | Get Your Mortgage for a LilL*z!

08/30/2026

Manulife Bank Grows Mortgages in Q2 | Get Your Mortgage for a LilL*z!
Manulife Bank’s mortgage portfolio hit $28.7B by the end of Q2, with residential lending driving most of the growth—up around 12% year-over-year, 4% from the last quarter, and 6% since the close of 2025. When you factor in other client loans, their total net lending portfolio reached $31.75B, up about 13% from last year. The average loans and mortgages also climbed to $31.1B during Q2. What stands out to me, with my years in lending and underwriting, is that credit quality remained steady: non-performing residential mortgages totaled just $55M at quarter’s end, staying under 0.2% of the residential portfolio. Higher-risk Stage 2 residential mortgages actually declined to $1.27B from $1.38B, and the parent company reported largely unchanged credit-loss provisions throughout the quarter. Despite these strong fundamentals, the Canada segment’s net income dipped 22% due to claims and expenses—even as the parent company delivered $2.11B in net income and $1.92B in core earnings. It’s a reminder of the importance of strategic lending and diligent risk management in today’s market.

08/29/2026

Not ready to downsize? How a reverse mortgage can buy you time
After more than 20 years in lending and underwriting, I’ve seen how important it is for homeowners to maintain their independence—especially when it comes to big decisions like downsizing. A reverse mortgage can be a powerful way to tap into your home’s equity without the burden of monthly payments, giving you breathing room to manage expenses and improve your cash flow. This option offers flexibility, allowing you to delay a move until the time is truly right for you. As with any financing tool, it’s important to be aware of the potential costs and interest that may accrue along the way. Having worked on thousands of deals, I know every situation is unique, and there’s always a solution that can be tailored to fit your needs.
http://www.lezgomez.ca/agent-news/lez/1906370-Not-ready-to-downsize%3F-How-a-reverse-mortgage-can-buy-you-ti

08/28/2026

RBC Mortgage Rates 2026
With over two decades in lending and underwriting, I've seen how the right mortgage structure can make all the difference. RBC, as Canada’s largest bank, continues to offer a wide range of fixed and variable mortgage options—spanning terms from 6 months up to 25 years. Clients benefit from features like cash bonuses and fee reimbursements, which can be valuable when budgeting for a new home or refinance. Fixed rates offer stability for your monthly payments, while variable rates adjust in line with the prime rate. RBC also provides options for prepayments and rate holds, helping you plan ahead with confidence. Drawing from years of experience navigating these choices, I understand how important it is to match the right product to your unique needs.
http://www.lezgomez.ca/agent-news/lez/1896992-RBC-Mortgage-Rates-2026

08/27/2026

Canada’s Affordability Streak Hits 10 Quarters | Get Your Mortgage for a LilL*z!
With over two decades in lending and underwriting, I’ve seen technology become a real ally in helping clients find the right fit—especially as reverse mortgages grow more complex. AI can enhance our efficiency, but it’s important to remember that it’s here to support, not replace, the expertise and accountability of licensed professionals. That’s why I insist on strong companywide AI policies and only work with vendors who truly understand how to balance compliance, operational security, and the client relationships that matter most.

When using AI for calls or chats, transparency is non-negotiable: clients must give consent, know who’s contacting them, have clear contact details, and always be able to reach a real person if needed. Data privacy and licensing oversight are just as critical—every AI tool I use is tied directly to a credentialed loan officer, ensuring you’re never left in the dark about who’s handling your information.

As AI regulations evolve, expect more disclosures around how technology influences credit decisions and loan eligibility. Meaningful human review will always be part of my process, so every client’s situation is fully understood. My goal has always been to find solutions tailored to you—technology just helps me deliver on that promise with even greater transparency and care.

08/26/2026

CIBC Mortgage Rates 2026
Looking for your next home? 🏠 Did you know CIBC manages over $975B in assets and offers tailored mortgage rates, cash back, and flexible options—even for newcomers! Ready to see what you qualify for? 💼✨
http://www.lezgomez.ca/agent-news/lez/1893427-CIBC-Mortgage-Rates-2026

08/25/2026

کینیڈا میں 2026 کے لیے بہترین 3 سالہ فکسڈ مارگیج ریٹس
Let’s connect and talk about the latest insights in the industry!

08/25/2026

How Much Mortgage Loan Can You Get?
Find out how much you qualify for and take the first step toward your dream home. Get a clear estimate tailored to your finances.

Discover how much mortgage you can qualify for! Enter your income and debt details, and we’ll calculate your loan amount instantly. I will follow up with a personalized plan to get you the best deal!

08/24/2026

Canada Renewals Spur Disciplined Budget Resets | Get Your Mortgage for a LilL*z!