Mortgages by Ashley Najim

Mortgages by Ashley Najim Specialize in Purchases, Refinances & Renewals.

https://mortgagessarnia.com

- first time home buyers
- business for self
- in job less than 2 years
- low credit scores
- switching from current lender to better rates
- financial guidance

06/04/2026

Had the pleasure of being introduced to this client after they were unfortunately given confusing and incorrect information from the bank.

Every mortgage file is different, and sometimes it just takes the right lender and the right strategy to make things work. We were able to navigate the unique circumstances, find a lender that fit the situation properly, and provide the support needed to get everything completed smoothly 🙌🏡

So grateful they trusted me to help guide them through the process!

📞 519-339-0883
📩 [email protected]
🌐 www.chatwithashley.ca

Want to buy your first home sooner? 🏡💰Most people think saving for a down payment means simply putting money aside each ...
06/03/2026

Want to buy your first home sooner? 🏡💰

Most people think saving for a down payment means simply putting money aside each month. The reality? The right strategy can help you get there much faster.

The FHSA (First Home Savings Account) allows eligible Canadians to contribute up to $8,000 per year and receive a tax deduction—while your money grows tax-free.

Even better? You can combine your FHSA with the Home Buyers' Plan through your RRSP, potentially giving your down payment a major boost.

I've helped many first-time buyers discover they were much closer to homeownership than they thought once they started using these programs properly.

If buying a home is on your radar in the next 1-3 years, now is the time to build a plan. The earlier you start, the more options you'll have when the right home comes along.

📞 519-339-0883
📧 [email protected]
🌐 www.chatwithashley.ca

05/26/2026

So thankful to have been part of this journey with these amazing first-time home buyers! 🏡✨

We originally connected through Google, and they mentioned how much reading past client reviews helped them feel confident reaching out — so it truly means a lot that they wanted to leave a review after closing too 😊

They came in with a plan, took action right away, and within just a few days had an accepted offer on the perfect home!

Huge congratulations again and thank you for trusting me to guide you through such an exciting milestone 🎉

📞 519-339-0883
📩 [email protected]
🌐 www.chatwithashley.ca

The mortgage market has finally entered a season of stability 👀📉After months of uncertainty, we’re seeing more predictab...
05/25/2026

The mortgage market has finally entered a season of stability 👀📉

After months of uncertainty, we’re seeing more predictability with rates — and that creates opportunity for both buyers and homeowners.

If you’re buying within the next 120 days, make sure you secure a rate hold ASAP. Fixed mortgage rates have been steadily increasing over the last couple months, and the last thing you want is to be stuck qualifying at a higher rate right before you buy 🏡💸

For homeowners in variable-rate mortgages, now is also a great time to review your long-term plans and see what strategy makes the most sense moving forward.

A quick conversation today could save you a lot of money later.

📞 519-339-0883
📧 [email protected]
🌐 www.chatwithashley.ca

05/20/2026

Think the purchase price is the full cost of buying a home? Not even close 👀🏡

Your down payment gets you in the door… but closing costs are part of the real math.

Plan for about 1.5%–4% of the purchase price to cover things like legal fees, land transfer tax, title insurance, and adjustments.

When you’re prepared, key day feels exciting — not stressful 🔑✨

If you’re buying in Sarnia, Lambton County, or anywhere in Ontario, I can help you estimate those numbers upfront so there are zero surprises.

Let’s make your next move smooth and confident.

📞 519-339-0883
📧 [email protected]
🌐 www.chatwithashley.ca

Fixed or variable? 👀It’s not about what your neighbor chose… it’s about what fits your life.A fixed rate gives you stabi...
05/20/2026

Fixed or variable? 👀

It’s not about what your neighbor chose… it’s about what fits your life.

A fixed rate gives you stability and predictable payments.

A variable rate can offer flexibility — especially if you’re planning to move, refinance, or pay out early.

The best option?
The one that lets you sleep at night and still hit your financial goals 💸🏡

Before you lock anything in, let’s run the numbers and see what actually makes sense for you.

📞 519-339-0883
📧 [email protected]
🌐 www.chatwithashley.ca

Renewal is not just about signing the next offer you receive.When you switch lenders, your new mortgage replaces the old...
05/14/2026

Renewal is not just about signing the next offer you receive.

When you switch lenders, your new mortgage replaces the old one, usually with help covering legal fees and paperwork. The process is guided step by step and does not involve selling your home.

If you want to review your options before you renew, I can walk you through it.

📞 519-339-0883
📩 [email protected]
🌐 www.chatwithashley.ca

05/14/2026

Half of Canadians are just $200 away from missing a payment.

That’s not meant to scare you — it’s meant to highlight how tight cash flow has become. Rising debt + job uncertainty = less breathing room each month.

If you’re buying or renewing, don’t just look at the mortgage payment. Look at the full picture: property taxes, utilities, insurance, lifestyle, future rate changes.

Planning early gives you options. Waiting limits them.

The goal isn’t just approval — it’s comfort. Confidence. Stability.

If you want to run the numbers properly and see what real homeownership looks like for you, let’s chat 👇

📞 519-339-0883
📧 [email protected]
🌐 www.chatwithashley.ca

05/11/2026

The biggest reason most people don’t buy?

It’s not rates.
It’s not prices.
It’s confidence.

When the headlines feel loud and the market feels uncertain, it’s easy to second-guess yourself. The fear of “what if I make the wrong move?” keeps a lot of families on the sidelines longer than they need to be.

Here’s the part most people don’t realize 👇

The perfect time to start isn’t when you’re ready to buy.
It’s months before.

Reviewing your numbers early means:
✔️ You understand your true budget (not just a guess).
✔️ You know how local trends in Sarnia, Lambton County, London and surrounding areas actually affect you.
✔️ You have time to improve credit, adjust debt, or plan your down payment.
✔️ When the right home shows up, you move confidently — not reactively.

Preparation removes pressure.
Clarity builds confidence.

When you’re ready to buy, it should feel simple — not rushed.

If you’ve been thinking about making a move this year, let’s review your scenario now so you’re fully positioned when the time is right.

Ashley Najim
Mortgage Agent Level 2 – Ontario

📞 519-339-0883
📧 [email protected]
🌐 www.chatwithashley.ca

Your home isn’t just where you live… it’s likely your biggest financial asset. 💡If you’ve built up equity, refinancing c...
05/06/2026

Your home isn’t just where you live… it’s likely your biggest financial asset. 💡

If you’ve built up equity, refinancing can let you put that money to work.

That could mean:
✔️ Funding renovations
✔️ Consolidating higher-interest debt
✔️ Improving monthly cash flow
✔️ Investing in another property

The key is making sure it actually improves your overall plan — not just moving numbers around.

If you’re in Sarnia, Lambton County, or surrounding Ontario areas and wondering what your equity could do for you, let’s run the numbers and build a strategy that makes sense.

📞 519-339-0883
📧 [email protected]
🌐 www.chatwithashley.ca

Address

Sarnia, ON

Telephone

+15193390883

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