Cindy MacFarland Mortgages - The Mortgage Group

Cindy MacFarland Mortgages - The Mortgage Group Think outside of the Branch! I work for you not the Banks, whether your purchasing a home, refinanci Cindy MacFarland
Mortgage Broker
Cell 506-647-1164

Happy Labour Day!Today, we recognize the people whose hard work keeps our communities moving and growing. Whatever kind ...
09/07/2026

Happy Labour Day!

Today, we recognize the people whose hard work keeps our communities moving and growing. Whatever kind of work you do, I hope you have an opportunity to relax, recharge and enjoy the day your way.

Apply For A Better Mortgage!
bit.ly/Mortgage-Apply
(506) 647-1164
Cindy MacFarland - Mortgage Broker
TMG The Mortgage Group (Atlantic) Inc.

An owner-occupied multi-unit property can offer a different approach to homeownership.When you purchase a two-to-four-un...
09/04/2026

An owner-occupied multi-unit property can offer a different approach to homeownership.

When you purchase a two-to-four-unit property and live in one of the units, the financing may be different from buying a property used entirely as a rental. Depending on the property and your qualifications, the down payment could be considerably lower.

Living on-site as a landlord is not for everyone, but it is an option worth understanding. If you are exploring different ways to buy a home or invest in real estate, let’s look at how the numbers could work for you.

Apply For A Better Mortgage!
bit.ly/Mortgage-Apply
(506) 647-1164
Cindy MacFarland - Mortgage Broker
TMG The Mortgage Group (Atlantic) Inc.

Six Years Later, They Knew Exactly Who to Call! 🏡❤️When clients come back to you again and again, you know you’re doing ...
09/02/2026

Six Years Later, They Knew Exactly Who to Call! 🏡❤️

When clients come back to you again and again, you know you’re doing something right! Thank you, Janice, for your incredibly kind words and for trusting us through both your downsizing journey and your latest move. Your support means the world! ⭐⭐⭐⭐⭐

Thinking about skipping a mortgage payment?Some mortgages allow eligible borrowers to pause a payment, which can provide...
08/31/2026

Thinking about skipping a mortgage payment?

Some mortgages allow eligible borrowers to pause a payment, which can provide breathing room during a tight month. The payment is not erased, and the interest may be added to your mortgage balance.

Check the terms and understand the cost before using this feature.

Apply For A Better Mortgage!
bit.ly/Mortgage-Apply
(506) 647-1164
Cindy MacFarland - Mortgage Broker
TMG The Mortgage Group (Atlantic) Inc.

Take Your Mortgage With YouMoving before your mortgage term ends does not always mean paying a penalty.If your mortgage ...
08/28/2026

Take Your Mortgage With You

Moving before your mortgage term ends does not always mean paying a penalty.

If your mortgage is portable, you may be able to transfer its existing rate and terms to your new property. Timing requirements can be strict, so it is worth reviewing your options before you make a move.

Apply For A Better Mortgage!
bit.ly/Mortgage-Apply
(506) 647-1164
Cindy MacFarland - Mortgage Broker
TMG The Mortgage Group (Atlantic) Inc.

Buying your first home is a huge milestone, and I'm so grateful to have been part of this journey. Thank you for your tr...
08/26/2026

Buying your first home is a huge milestone, and I'm so grateful to have been part of this journey. Thank you for your trust and for sharing your experience. Wishing you many happy years in your new home! 🏠

If you need additional funds before your mortgage term ends, one approach is to blend your existing rate with the rate o...
08/24/2026

If you need additional funds before your mortgage term ends, one approach is to blend your existing rate with the rate on the new funds and extend the term.

Commonly called a blend and extend, it may help you avoid a break penalty. It is not always the least expensive route, so comparing the full cost matters.

Apply For A Better Mortgage!
bit.ly/Mortgage-Apply
(506) 647-1164
Cindy MacFarland - Mortgage Broker
TMG The Mortgage Group (Atlantic) Inc.

Would two mortgages with the same rate cost you the same amount? Not necessarily.Prepayment privileges, penalty calculat...
08/21/2026

Would two mortgages with the same rate cost you the same amount? Not necessarily.

Prepayment privileges, penalty calculations, and whether the mortgage is registered as a standard or collateral charge can all affect its cost and flexibility.

A mortgage broker looks beyond the advertised rate and compares the details, so you understand what you are agreeing to before you sign.

Apply For A Better Mortgage!
bit.ly/Mortgage-Apply
(506) 647-1164
Cindy MacFarland - Mortgage Broker
TMG The Mortgage Group (Atlantic) Inc.

Buying, renewing, or refinancing a mortgage doesn't have to feel overwhelming. My goal is always to simplify the process...
08/19/2026

Buying, renewing, or refinancing a mortgage doesn't have to feel overwhelming. My goal is always to simplify the process and be there every step of the way. Thank you for your kind words and for allowing me to be part of your journey! 🏡💙

Are September expenses starting starting to add up?Tuition, school supplies, activity fees and other fall costs often ar...
08/15/2026

Are September expenses starting starting to add up?

Tuition, school supplies, activity fees and other fall costs often arrive within a few short weeks. If your monthly budget is feeling tighter, now may be a good time to review your mortgage and overall debt payments.

A mortgage review can help you understand whether there are options to improve your monthly cash flow or consolidate higher-interest debt. It does not mean you have to make a change. It simply gives you a clearer picture before the bills begin arriving.

Apply For A Better Mortgage!
bit.ly/Mortgage-Apply
(506) 647-1164
Cindy MacFarland - Mortgage Broker
TMG The Mortgage Group (Atlantic) Inc.

Address

Greater Saint John And Surrounding Areas
Saint John, NB

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm

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