Kristina Crosbie Mortgages

Kristina Crosbie Mortgages Helping 🇨🇦 Refinance & have less debts. Let’s refinance your home & get rid of debt. Helping you spend less and save more.

FSRA 11764 Mortgage Agent L2 o/a DLC Neighbourhood Mortgage Source Independently owned & operated. [email protected]
Kristina Crosbie
DLC The Mortgage Source # 10145
Independently Owned and Operated

02/13/2025

If you want 2025 to be better than 2024, then read this:

Honestly, most people fail at their new year goals.

But if you want to be better off this year than you were last year, the secret is:

Acting instead of re-acting.

Too many people re-act. The problem with that is the best opportunities are already gone.

✅ Part of my job as a Mortgage Professional is to help people get AHEAD on their finances.

To free up cash flow. Improve your credit. Fulfill your dreams of homeownership. Get passive income. Get into the real estate world.

👉 And I’ve got a lot of tools and programs to work with.

One example:

Refinancing can help you get ahead in 2025. It can help you with your month-to-month finances. And STILL keep you on the same schedule to pay off your mortgage. 💪

So, if you want to be better off this year than you were in 2024:

👋 Then let’s talk about your options and how we can help you get there.

Send me a private message 📩 and we can get that initial conversation started.

02/12/2025

Here’s why I became a broker:

I think every mortgage broker (and even realtor) needs to have a desire to help people. That’s a foundational characteristic for any good broker/agent.

👉 And that’s a big reason why I became a mortgage broker…

…to help YOU take advantage of the tools and resources out there when you’re considering real estate, which is likely the MOST EXPENSIVE thing you’ll ever do.

👋 I’m here to help, to serve, to reduce stress, to see homeownership dreams come true, to help first time home buyers get into the market.

With home prices and the economy where they are, buying a home is more difficult and stressful than any time in recent memory.

BUT…

🙏 I have the knowledge and expertise to help you, and even more importantly – I have the PASSION and DESIRE to provide you with the very best advice and guidance.

You’ll see me posting content that you can use to improve your situation – whether it’s purchasing a home, selling, credit help, refinancing, or renewing a mortgage.

In 2025 (more than ever), people need ways to SAVE money to get (or stay) ahead. And that’s why I’m here.

Send me a message 📩 at any time if you have questions, concerns, comments…or give me a call 📞 or email. 📧

Thank you for choosing to have me be a part of your life and journey. I wouldn’t want to be anywhere else! 🙏

02/11/2025

Waiting isn’t always a good thing…

Yes, things will get better. But waiting and letting things get worse is NOT a good idea.

👉 You can take actions. Letting yourself miss payments has bad impacts on your credit bureau. Especially missed mortgage & credit card payments.

💥 You have options. If you know you’re going to be short funds, then come to me ahead of time. We will figure something out, I promise. 💥

A lot of Canadians are struggling financially. Especially after the holidays. So you’re not alone.

I can help.

When it comes to your financial situation, it’s action that matters most.

🏡💰 If you’re a current homeowner or wanting to buy, don’t wait and let things get worse before they get better. They can get better before anything else negative happens.

I’m here – just a click and a private message or call away. 📩📞

02/10/2025

It’s been a difficult economic time for most Canadians, seniors included.

If you (or anyone you know) are a senior that is struggling, know this:

You have a POWERFUL tool at your disposal as a homeowner…

🏡 Reverse Mortgages 🏡

Yes, a reverse mortgage can be a GREAT idea. Especially if you’re struggling financially and have a lot of equity built up in your home.

Instead of making mortgage payments, YOU receive payments based on the equity in your home. 📈💸

Here’s how it helps:

✔️ No monthly mortgage payments.

✔️ Stay in your beloved home.

✔️ Flexibility to receive funds as you need them.

✔️ Loan doesn’t need to be repaid until you leave the home.

Whether you’re looking to supplement retirement income, cover medical expenses, get help in this turbulent economy, or simply enjoy life more fully, a reverse mortgage can be a game-changer!

🙋‍♂️🙋‍♀️ If you’re curious to learn more, let’s chat.

As a mortgage broker, I’m here to answer your questions and guide you through the process. Your financial well-being matters, and a reverse mortgage might be the key to living stress free!

Message me 📩 or give me a call. 📞

02/09/2025

Something you need to know before you make any moves: 👇

With the rate cuts, things are shifting. Prices, interest rates, affordability, etc.

💥 Just because you qualified before, it DOES NOT mean you are guaranteed to qualify again. 💥

The most important thing (and I can’t stress this enough) is to reach out BEFORE you do any moves.

👉 BEFORE selling, BEFORE buying, BEFORE downsizing, BEFORE renewing…

…with the market where it is, it can be a huge mistake to act before you know what you will qualify for.

So please reach out first. It must be your first step.

Message 📩, email 📧, or call 📲 anytime.

02/08/2025

Yes, you can buy a home with 5% down payment!

And it’s definitely a good idea to buy if you can, rather than waiting to save more.

Why? 👇

📈 Prices are expected to rise this year (on average in Canada)

💯 Rates are going to change all the time during the life of your mortgage, regardless of when you buy

🏡 It’s better to get into the market when you can and start building equity

Now, you only need 5% down payment for a house that’s $500K or less. For any amount over $500K, you’ll need 10% down for the rest (up to $1M – then you’d need 20% down).

Historically, real estate is one of the best, most dependable forms of investing. So if you can afford to buy, then buy.

👉 It all starts with you reaching out to me and getting a pre-approval done so that you know exactly what you can afford (and how much 5% will be approximately).

So reach out! 👋

PS – if you purchase with 5% down, you’ll automatically get the mortgage default insurance fee added to your mortgage (not out of pocket). This charge is mandatory for any purchase

02/07/2025

Do you have financial goals for 2025?

Perhaps:

💵 Free up cash flow?

💳 Improve credit?

🏠 Buy your first home?

Or something else I didn’t mention. Regardless – I can help.

Mortgage brokers (like me!) have access to A LOT of different programs.

You CAN achieve your goals this year. Reach out if you’re struggling.

02/06/2025

If you’re planning to purchase or refinance in 2025, read this:

With the current market, lenders are very picky right now.

This means that any blemishes on your file could have big impacts. 🙈

And here’s why I say this:

👉 I want to make sure you’re getting the best mortgage product possible.

And to make that happen, it might take some work from both of us.

So reach out ahead of time. Even if it’s MONTHS away from when you’re thinking of buying or refinancing.

Some things take months to fix.

So, please keep this in mind.

💥 If you’re planning on buying a house or refinancing your mortgage in 2025, message me NOW.

We should be starting to fix any blemishes on your file so that you get the best possible mortgage when the time comes.

DM 📩, send an email 📧, or give me a call 📲.

02/05/2025

Might be blowing some minds by saying this:

There’s A LOT of fake news out there!

OK I know nobody’s mind is blown by that. It’s obvious. 😏

And when it comes to the housing and mortgage world, it’s no different.

➡️ I remember a while back seeing headlines about needing $250K income to afford property in Vancouver.

The ‘news’ headlines.

🙄 Well, turned out to be false. It was chalked-full of assumptions.

Assumptions like:

Single-detached home, 25-year amortization, bank mortgage, 20% down payment.

When in reality:

👉 You have amortization options; mortgage brokers have way more flexibility than banks do; most people start with town homes or condos rather than single-detached homes; there are many programs that can help fit budget.

The ‘headlines’ RARELY give you a full picture. It’s meant to drive traffic and get responses, rather than give you the truth.

Don’t trust the headlines. Trust your intuition. Trust those who actually care and have skin in the game.

👋 Come to me for guidance when it comes to real estate and mortgages. Not the ‘news’.

02/04/2025

Why add unneeded stress?

Listen:

👉 As a mortgage broker, we work on YOUR behalf.

We should be the point of contact between you and your lender.

We take on that responsibility FOR you. So you don’t need to do any of the ‘lifting’, so to speak.

➡️ This is something to keep in mind when your mortgage is up for renewal.

Your lender WILL contact you directly (usually through the mail).

When they do, your first step should be to contact ME.

📃 Your lender will be sending you a renewal offer – rate and terms. But it likely won’t be their best offer.

(and it’s definitely possible a different lender will be able to offer you something better, too)

But you don’t need to worry about that, because I will be making sure you’re getting the best option. 💯

So, reach out. Don’t deal with the lender directly. Let me do that for you. I know the ins and outs of the industry and have built relationships with lenders over the years.

Believe me, I can get you a better mortgage product.

Keep this in mind.

🙋‍♂️🙋‍♀️ You know where to find me.

02/03/2025

When it comes to your living situation, you have two options:

1️⃣ Rent and give your money to your landlord to pay off their mortgage.

This way, your monthly payments aren’t being invested into your future, but rather someone else’s.

2️⃣ Buy your own home and build your own equity.

Rates have decreased. More cuts are coming. Take advantage of improved mortgage approval power.

👉 And your first home purchase doesn’t need to be your dream home. It’s a step toward your dream home.

It’s much more difficult to get your dream home by renting.

That’s something people often get wrong. And why so many people feel like they wasted so much time years later because they waited to buy.

➡️ The vast majority of the time, owning your own property and paying off your own mortgage makes way more financial sense, especially long term.

If you’re ready to look at your options, I can help.

The first step is always a pre-approval. And that can be done in a matter of days.

📩 Send me a message if you want to chat.

02/02/2025

3 ways to improve your financial situation in 2025:

1️⃣ Get into the real estate market

This is historically one of the most powerful financial tools at your disposal.

Real estate opens up a huge number of financial possibilities. It’s a must-do for anyone who wants to invest in their future.

2️⃣ If you’re already a homeowner, consolidate your debts into your mortgage

Current household debt in Canada is near record-highs.

Save money on interest by consolidating your credit cards and lines of credit into your lower-interest mortgage.

Refinancing is a great way to do that.

3️⃣ Set up a financial game plan with a professional (like me)

You see the commercials all the time about getting a financial advisor and the latest apps to help you save money, right?

Those exist for a reason. Without a gameplan or a roadmap, you’ll have no idea if you’re on track.

I can help you get on the right path (especially when it comes to your credit).

It’s accountability. It’s planning. It’s important.

2025 can be a BIG year for you. Let’s make it happen.

📩 Reach out.

Hope this post helps. Pin it for later! 📌

Address

2 Beckwith Street S
Smiths Falls, ON
K7A2A8

Opening Hours

Monday 8:30am - 5pm
Tuesday 8:30am - 5pm
Wednesday 8:30am - 5pm
Thursday 8:30am - 5pm
Friday 8:30am - 5pm

Telephone

+16132838763

Website

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