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

09/03/2026

🏡 CLOSING DAY! 🎉

A huge congratulations to these wonderful first-time home buyers on officially becoming homeowners! 🥂🔑

They reached out early, took the time to understand the process, followed the plan, and today they’re officially closing on this beautiful property for their family! ❤️

Buying your first home can feel overwhelming, but having the right plan and guidance from the beginning can make all the difference.

Thank you for trusting me to be part of such a huge milestone. It was an absolute pleasure helping you get here!

Here’s to making many amazing memories in your new home! 🏡✨

Thinking about buying your first home? Let’s build your plan early!

📞 519-339-0883
🌐 www.mortgagesbyashley.ca
📅 Book a call at www.chatwithashley.ca

09/02/2026

❤️ Loved working with these first-time home buyers! 🏡🔑

They actually found me through Google, thanks to the amazing reviews left by previous clients — which makes this one feel extra special!

Knowing that they found me because other clients took the time to share their experiences means so much. And hearing that their experience lived up to those expectations means even more! 🥹

Congratulations on your first home! 🎉 Thank you for trusting me, trusting the process, and allowing me to be part of such an exciting milestone.

🏡 Thinking about buying your first home?

You don’t need to have everything figured out before reaching out. Whether you’re ready to buy now or just wondering “Could I actually afford to buy?”, let’s have a conversation.

I’ll help you understand your options, create a plan, and figure out what’s realistic for you — no pressure, just honest mortgage advice.

Your first home might be closer than you think. 👀

📞 519-339-0883
🌐 www.mortgagesbyashley.ca
👉 www.chatwithashley.ca

🚨 Before you apply for a mortgage, check your credit report!Your credit score isn’t the only thing lenders look at — wha...
09/01/2026

🚨 Before you apply for a mortgage, check your credit report!

Your credit score isn’t the only thing lenders look at — what’s actually reporting on your credit bureau matters too.

❌ An account that isn’t yours
❌ An outdated late payment
❌ A debt showing the wrong balance
❌ An account that should have been removed

Even small errors can impact your credit score, borrowing power, and the mortgage options available to you.

The good news? Finding these issues before you apply gives you time to dispute and correct them — so your mortgage application reflects your actual financial picture.

🏡 Thinking about buying a home in the next 6–12 months? Don’t wait until you’re ready to make an offer.

Send me a message and I’ll help you understand what lenders will be looking for and how to prepare.

📞 519-339-0883
🌐 www.mortgagesbyashley.ca
📲 www.chatwithashley.ca

08/28/2026

🎉 Starting the weekend off with a WIN! 🏡🔑

Happy Closing Day to these wonderful clients! ❤️

We actually worked together a few years ago, and this time around, they had their eyes set on this beautiful property. After working through the details, we found a lender that fit the criteria and made the financing work.

From the initial conversation to today, they trusted the process, trusted the plan, and stuck with it right until the end.

And now… they get to officially call this place HOME! 🏡✨

Thank you for trusting me to be part of your journey once again. It’s always extra special when clients come back and let me help with the next chapter. ❤️

Congratulations — you did it! 🥂🔑

📞 519-339-0883
🌐 www.mortgagesbyashley.ca
👉 www.chatwithashley.ca

08/28/2026

🏡 Not everyone is meant to be a renter forever — but that doesn’t mean you have to rush into buying either.

Sometimes renting for a little while is exactly what makes sense. Maybe you’re saving for a down payment, paying down debt, building your credit, or simply waiting for the right time.

But here’s the thing… sometimes we don’t realize what could actually be possible until we ask. 👀

I’ve had conversations with renters who assumed homeownership was years away, only to discover that with the right plan, they were closer than they thought.

Buying later isn’t a setback. Buying when you’re financially ready and the timing makes sense for YOU is the goal.

If homeownership is something you want in the future, let’s talk about what it could look like and what you can start doing today. 💰🏠

📞 519-339-0883
🌐 www.mortgagesbyashley.ca
👉 www.chatwithashley.ca

08/28/2026

🏡 Another first-time homebuyer success story! 🎉

So happy to have helped these first-time buyers close on this amazing property this week!

They initially reached out to their bank, but weren’t getting the level of care, answers, or guidance they were looking for. That’s when they found us — and here’s the fun part: we had access to that same bank, too! 😉

We were able to place their mortgage with the bank they wanted, secure a great rate and product, AND give them the personalized service and expertise they were looking for throughout the process.

That’s exactly why I love what I do. ❤️

First-time buyers shouldn’t have to figure it all out on their own. You deserve someone who will explain your options, answer your questions, and make sure you understand what you’re signing up for.

Thank you for trusting me with such an exciting purchase! 🏡🔑

If you’re looking for support but don’t feel supported by your current lender, let’s chat.

📞 519-339-0883
🌐 www.mortgagesbyashley.ca
💬 www.chatwithashley.ca

08/27/2026

🏡 Your amortization matters more than you think!

Choosing a longer or shorter amortization isn’t just about lowering your monthly payment — it can have a big impact on how much interest you pay over the life of your mortgage. 💰

A longer amortization can mean more manageable payments today, while a shorter one can help you pay off your mortgage faster and save on interest.

The right choice depends on your budget, goals and long-term financial plan.

Not sure which option makes the most sense for you? Let’s look at the numbers together. 📊

📞 519-339-0883
📧 DM me anytime
🌐 www.mortgagesbyashley.ca

08/26/2026

Another mortgage switch successfully closed! 🎉🏡

The best part? We started planning 120 days before their renewal date — because a mortgage renewal shouldn’t be a “sign here and send it back” situation.

On our first call, we talked about what they actually wanted:
• Was the goal the lowest possible rate?
• Did they want to change mortgage products?
• Lower their monthly payment?
• Stay with their current lender?
• Or set themselves up for future plans?

During that conversation, we also learned they were thinking about renovations down the road, but weren’t quite ready to tackle them yet.

So instead of simply renewing, we looked at the bigger picture and found a solution that allowed them to switch lenders, add a HELOC for future renovation plans, and keep their payments on the same trajectory.

And the cherry on top? 🍒
The lender covered the legal and appraisal fees, so there was nothing paid out of pocket for the switch.

That’s a WIN-WIN. 🙌

This is exactly why I recommend starting your renewal review 4 months before maturity. It gives us time to understand your goals, explore the options, and build a mortgage strategy around you — not just the rate.

Renewing in the next 4 months? Let’s talk before you sign anything.

📞 519-339-0883
🌐 www.mortgagesbyashley.ca
📲 www.chatwithashley.ca

08/24/2026

🏡 This week’s funding is a perfect example of why your mortgage should be about more than just the rate.

We recently refinanced a mortgage we had previously funded and found an opportunity to lower their rate by over 1.25%. But we didn't stop there—we looked at what they wanted to accomplish next.

Their long-term goal? Purchasing a rental property in the next few years. 🏘️

So we structured their mortgage with that goal in mind:

✅ Lowered their payment to improve future borrowing power
✅ Saved almost $800/month, even after adding the mortgage penalty
✅ Chose a lender that allows them to increase payments and aggressively pay down the balance
✅ Set them up to be in a stronger position when they're ready for their next purchase

This is why I believe mortgage planning should look beyond today's payment and today's rate.

The right mortgage strategy should work for where you are now while also helping you get where you want to go next.

Rate matters—but strategy matters more. 💰 Reach out to find out what we can do with your mortgage. 🏡

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

Address

Sarnia, ON

Telephone

+15193390883

Website

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