Sandra Ortenzi-Mortgage Agent

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Sandra Ortenzi-Mortgage Agent Mortgage Agent Level 2

11/01/2026

Halloween Fun! 👻

Proud to be a volunteer at this years Accessible Trick or Treating with Re/Max and a few of my amazing colleagues TCG Lending Centres

Treat Accessibly Halloween Street allows all kids to trick-or-treat, every October 31, neighbours can come together to create one of the greatest shared acts of inclusion for kids with disabilities in Canada.

Today was a great success!

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POV: I opened a refinance file and suddenly became an accountant, detective, negotiator AND therapist. 😂☕️📂Just me, my c...
10/29/2026

POV: I opened a refinance file and suddenly became an accountant, detective, negotiator AND therapist. 😂☕️📂

Just me, my coffee, 47 documents and a mission to make the numbers work! 🤣

But seriously… when it comes to refinancing, I’m in your corner to help you explore your options and find the right fit for your needs. 🏡💰

I’m Sandra, your mortgage matchmaker! 💋

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ATTENTION FIRST-TIME HOMEBUYERS! The end of the year is approaching, and if buying your first home is on your wish list,...
10/25/2026

ATTENTION FIRST-TIME HOMEBUYERS!

The end of the year is approaching, and if buying your first home is on your wish list, now is a great time to check in on your FHSA (First Home Savings Account)! 🏡

Here’s why it matters:

✨ Contributions may be tax-deductible
✨ Your savings grow tax-free
✨ You can contribute up to $8,000 per year, up to a $40,000 lifetime limit

📅 December 31 is coming! If you have unused FHSA contribution room, make sure you understand your options before year-end.

Not sure how an FHSA fits into your home-buying plans? Let’s chat! ☕️

I’m Sandra, your mortgage matchmaker, and I’m here to help you get one step closer to your first home! 🔑

📩 Send me a DM — let’s talk about your options!

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10/22/2026

🏡☕️ FRIENDLY REMINDER: Your bank isn’t your only option!

Think about it… you wouldn’t shop at just one store for everything, right? 😉

So why limit yourself to just one option when it comes to your mortgage?

Whether you’re buying your first home, renewing your mortgage, refinancing, or looking to consolidate debt, there may be options beyond the bank you already deal with.

❤️ That’s where I come in!

As a Mortgage Agent, I can explore options from different lenders and help you find a mortgage solution that fits your needs and goals.

Don’t just assume your bank is your only choice. You owe it to yourself to explore your options!

📩 Have questions? Send me a message. No pressure, just a conversation!

I’m Sandra, your Mortgage Matchmaker! 🏡❤️

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You have a borrower who is short on qualifying income. Dad is willing to help.You structure the application with Dad as ...
10/19/2026

You have a borrower who is short on qualifying income. Dad is willing to help.

You structure the application with Dad as a guarantor. He stays off title and signs the required guarantee.

Then the lender comes back asking for something different: Dad must be added as a co-borrower and go on title.

The problem isn’t necessarily the income. It’s the structure.

Some lenders will accept a guarantor who isn’t on title. Others require a co-borrower, particularly when the supporting person’s income is needed to qualify.

And those two arrangements are not interchangeable.

A guarantor can be legally responsible for the mortgage without owning the property. A co-borrower assumes direct responsibility for the debt and, depending on the lender’s requirements, may also need to be registered on title.

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WHEN A PAST CLIENT SENDS THEIR FRIEND YOUR WAY… ❤️🏡There’s no better compliment than having a past client recommend you ...
10/15/2026

WHEN A PAST CLIENT SENDS THEIR FRIEND YOUR WAY… ❤️🏡

There’s no better compliment than having a past client recommend you to someone they care about.

Knowing that someone had such a positive experience working with me that they felt confident referring a friend means more than words can say.

Every referral is a reminder that trust matters, relationships matter, and how you treat people matters.

Thank you for trusting me with your mortgage journey and for spreading the word. I never take that trust for granted! ❤️

Looking for someone in your corner when it comes to your mortgage? Let’s chat!

Your mortgage matchmaker!

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10/14/2026

🤔Thinking about buying your first home?
Here are a few things I would NOT do before getting your mortgage approved!

1. Don’t start house hunting before knowing your budget. 🏠
Getting pre-approved first can save you from falling in love with a home that’s outside your price range.

2. Don’t make big purchases. 💳
That new car, furniture or big credit card purchase could affect your borrowing power.

3. Don’t change jobs without checking first.
Lenders look at your income and employment history, so a job change can sometimes impact your approval.

4. Don’t move money around without keeping track of it. 💰
Your down payment needs to be properly documented. Keep those statements and records!

5. And most importantly… don’t wait until you find your dream home to talk to a mortgage professional!

A little planning BEFORE you start shopping can make the home-buying process so much smoother.

Thinking about buying your first home?
Let’s have a conversation BEFORE you start house hunting. 🏡

I’m here to help you understand your options and make a plan.

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🏡 Could a Reverse Mortgage help you make more of your home equity?If you’re 55+ and a homeowner, a reverse mortgage may ...
10/12/2026

🏡 Could a Reverse Mortgage help you make more of your home equity?

If you’re 55+ and a homeowner, a reverse mortgage may allow you to access some of the equity in your home without selling it.

It can potentially help you:

✔️ Supplement retirement income
✔️ Pay off existing mortgage debt
✔️ Cover unexpected expenses
✔️ Make home improvements
✔️ Enjoy more financial flexibility in retirement

And one of the biggest questions I hear…

“Do I have to move out of my home?”

👉 No. A reverse mortgage can allow you to remain in your home while accessing a portion of your equity.

Every situation is different, and understanding the costs, options and long-term impact is important before making a decision.

Curious if a reverse mortgage could make sense for you or someone you love?

Let’s have a conversation — no pressure, just information.

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🏠 RENTERS — BEFORE YOU RENEW YOUR LEASE…Have you ever wondered if you could actually qualify to buy a home?Before signin...
10/08/2026

🏠 RENTERS — BEFORE YOU RENEW YOUR LEASE…

Have you ever wondered if you could actually qualify to buy a home?

Before signing another lease renewal, it may be worth taking a few minutes to find out what your homeownership options look like.

💭 Could your current rent be comparable to a mortgage payment?
💭 Do you have enough saved for a down payment?
💭 What price range could you potentially qualify for?
💭 Are there programs available that could help you become a homeowner?

You may be closer to homeownership than you think.

Before you commit to another year of renting, let’s have a conversation and see what’s possible. 🔑

📲 Send me a DM — there’s no obligation to find out where you stand.

Your next lease renewal might be the perfect time to explore a different kind of renewal… HOMEOWNERSHIP. 🏡

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10/06/2026

Inflation concerns and ongoing trade uncertainty are weighing on consumer confidence and putting upward pressure on bond yields ⬆️

What does this mean for mortgages?

When bond yields rise, fixed mortgage rates can follow — which means we may see upward pressure on fixed rates.

At the same time, expectations around the Bank of Canada’s overnight rate can impact the prime rate. If prime increases, variable and adjustable-rate mortgages, as well as HELOCs, may be affected.

The mortgage market can change quickly, so understanding how these factors may impact you is important.

Have questions about your mortgage or upcoming renewal? Send me a DM — I’m happy to chat!

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Address

1254 South Service Road
Stoney Creek, ON
L8E5C4

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+19057309414

Website

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