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Monday 8:30am - 8pm Tuesday 8:30am - 8pm Wednesday 8:30am - 8pm Thursday 8:30am - 8pm Friday 8:30am - 8pm Saturday 9am - 5pm Sunday 9am - 5pm

Lilly Rendulic-The Mortgage Girl

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Canada
Stoney Creek, ON
Lilly Rendulic-The Mortgage Girl

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Mortgage Agent Level 2
Lic
[email protected] Offering low rates and personalized service. Broker fees are rarely charged.

Helping families in the Hamilton/Burlington/Stoney Creek/Niagara areas to finance their home or rental property purchases or renovations, by customizing an affordable mortgage solution.

10/14/2026

🏡 Think mortgage default insurance is just about your down payment? Think again.

If you’re putting less than 20% down, mortgage default insurance is required….but it can also provide important support if life takes an unexpected turn.

If you experience something like job loss or illness and your income is temporarily reduced, you may find yourself needing a mortgage deferral or other payment relief.

In certain situations, your mortgage insurer may have programs or options designed to help borrowers facing temporary financial hardship.

That’s one more reason why I always encourage my clients to understand what their mortgage actually includes….it’s not just about the interest rate. ❤️

Your mortgage is more than a payment…it’s a financial tool, and understanding the protections and options available to you can make a big difference when life doesn’t go according to plan.

Have questions about how default insurance works? Let’s chat.

🏠 Lilly the Mortgage Girl
📞 905-928-5265
📧 [email protected]
 Helping you make mortgage decisions with confidence.

09/28/2026

Happy Monday Everyone!! ☀️

I hope you enjoyed that gorgeous weather last weekend. 🍗 🌽

We did some bbq’ing and gardening…picked tomatoes 🍅 and watched the full moon 🌕

I’m just getting out for a short morning walk with puppy and thinking about a little mortgage tip I want to share with you all. 🚶‍♀️🏡

💡 Monday Mortgage Tip!

Here’s a real-life example of why I love accelerated biweekly payments!

On a $400,000 mortgage with 4.69% fixed rate and a 25-year amortization:

🏡 Regular biweekly payment: approx. $1,041
🏡 Accelerated biweekly payment: approx. $1,128

That’s only about $87 more every two weeks, but it can help you pay off your mortgage approximately 3½ years sooner and save roughly $42,000 in interest over the life of the mortgage!

Why? Because accelerated biweekly payments mean you’re effectively making one extra monthly payment every year, putting more money toward your principal.

In addition to this strategy, you can add in a couple lump sum payments throughout the year as well.

Every increase in your payment today (and lump sum payments) can make a BIG difference over the life of your mortgage. ❤️

Let’s help you cross that mortgage finish line sooner than you thought possible! 🏁🏡

Please feel free to reach out anytime…. I’m happy to answer all your mortgage questions.

Lilly
📞 905-928-5265
📧 [email protected]

09/25/2026

🏠 Your home appraises for $800,000… does that mean you’ll sell it for $800,000?

Not necessarily! 👀

One thing I hear from homeowners all the time is:

“But my house appraised for $800K, so that must be what it’s worth.”

Here’s the thing…

An appraisal is not the same thing as a listing price or the price your home will actually sell for.

📋 An appraisal is prepared for a specific purpose — often for a lender to determine whether the property provides enough security for the mortgage.

And appraisers tend to take a conservative, evidence-based approach.

They’re looking at things like:
🏡 Recent comparable sales
📍 Location and neighbourhood
📐 Size and condition
🛠️ Renovations and features
📊 Current market data

They generally can’t simply say, “I think this home could sell for more.” The value needs to be supported by market evidence.

Meanwhile, the actual sale price can be influenced by things an appraisal may not fully capture — including buyer demand, competition, timing, marketing, and how much a particular buyer is willing to pay.

So remember:

Appraised value ≠ guaranteed sale price.

And if you’re refinancing, renewing, or thinking about selling, understanding the difference can make a BIG difference in your financial planning. 💰

That’s why I always encourage my clients to look at the whole picture, not just one number.

🏠❤️ Lilly the Mortgage Girl
Helping you make your mortgage work for your goals.

09/16/2026

🏃‍♀️ What does running have to do with a mortgage?

More than you might think!

When you’re training for a race, you need to understand your goal, your body’s abilities, and create a training plan that will help you reach the finish line without injuries.

Your mortgage is no different. 🏡
You need to understand where you want to go, where you’re starting from, and how your mortgage can help you get there.

Just like running, there’s no one-size-fits-all plan.

Let’s create a mortgage strategy that works for your goals and helps you reach your finish line. 🏃‍♀️🏡

Lilly the Mortgage Girl

I’m here to listen, answer your questions and help you build the bridge to where you want to be. ❤️

09/02/2026

Whatever you’re experiencing right now… there’s a plan. ❤️

Not every borrower fits neatly into an A-lending box.

Sometimes A lending is the right fit, with access to the best rates and most options.

Sometimes B lending is the bridge while you work through credit, income or debt challenges.

And sometimes private lending is the short-term solution when A or B isn’t an option.

None of these define where you’ll be tomorrow.

My goal isn’t just to find the mortgage that works today. It’s to understand where you are, where you want to be, and create a plan to help you get there.

If alternative lending is the right solution today, we’ll use it as a stepping stone while working toward getting you back to A lending, better rates and more options down the road.

Because for me, it’s never a one-and-done transaction.

I’m here for the journey, and I want to help you build that bridge. 🏡❤️

If you’re not sure where to start, I’m always here to listen.

Lilly
📞 905-928-5265

09/02/2026

Yup, it’s another Bank of Canada rate hold!!! Overnight target rate is still 2.25!!

No change to prime rate and therefore no change to variable or adjustable rate mortgages, or lines of credit.

Next scheduled decision will be on October 28th, 2026.

08/25/2026

🏡 What Happens AFTER You’re Pre-Approved?

Getting pre-approved is an exciting first step, but it’s not the finish line!
There are still important steps between your pre-approval and getting the keys to your new home. 🔑

1️⃣ Share your pre-approval with your realtor

This helps your realtor understand your budget so you’re viewing homes that are realistically within your price range. It can save you from falling in love with a home that may not fit your budget.

2️⃣ Found a home you love? Send me the MLS listing BEFORE you make an offer.

I want to review the property details and make sure your mortgage application is updated with the purchase price, property taxes and other important property information.

3️⃣ Protect yourself with a condition of financing

Whenever possible, include a financing condition in your offer. Your pre-approval is based on your financial situation — but the specific property still needs to be reviewed by the lender and, where applicable, the mortgage insurer.

The lender needs to make sure the property meets their lending requirements before financing can be finalized.

4️⃣ Your offer is accepted — now we get to work! 🎉

Once your offer is accepted, I’ll work with the lender to finalize the mortgage, provide any additional documentation required and make sure everything is in place for your closing.

5️⃣ Your lawyer prepares for closing ⚖️

Your lawyer handles the legal side of the transaction and works with the lender to ensure the mortgage funds are ready for closing.

6️⃣ Closing day! 🏡🔑

Your mortgage funds, the transaction closes, and you get the keys to your new home!

✨ Remember: A pre-approval is the beginning of the mortgage process — not the final approval.

My job isn’t just to get you pre-approved. I’m here to help you understand the process, answer your questions and prepare you for a smooth mortgage experience from start to finish. ❤️

Call me with your questions on how to get started.

08/21/2026

FRIDAY FUN FACT 🏡💡

Should you refinance just because you have other debt and available equity?

👉 Not necessarily!

Refinancing to consolidate debt can be a great solution — but it’s not always the best solution.

Before refinancing, you should consider:

• The interest you’re currently paying
• Your mortgage penalty
• Legal and other refinance costs
• The new mortgage payment
• Extending your amortization
• And most importantly, your overall financial goals

Sometimes refinancing makes sense. Sometimes there’s a better option.

The right mortgage strategy isn’t always about borrowing more.

If you’d like a second opinion I’m more than happy to review your goals and options with you.

It’s worth understanding the pros and cons and making an informed decision that’s right for you. 💙

08/20/2026

🏡 3 Things You Should Know Before Buying a Home

1️⃣ Know what you can REALLY afford.

Getting approved for a mortgage doesn’t necessarily mean you should spend the maximum amount a lender will give you. Consider your monthly budget, lifestyle, property taxes, utilities, and future expenses.

2️⃣ Your credit and finances matter.

Before applying for a mortgage avoid taking on new debt, making large purchases, or moving money around without understanding how it could affect your application. And yes… lenders really do look at the details!

3️⃣ Get your financing sorted BEFORE you fall in love with a house. ❤️

A prequalification is more than knowing a number. It’s about understanding your borrowing power, reviewing your income and down payment, identifying potential issues early, and knowing what payment you’re comfortable with.

The goal isn’t just to buy a home. It’s to buy a home that fits your life and your financial goals.

I’m always here to help you make sense of it all and prepare you for a smooth, stress-free mortgage experience. 🏡❤️

Lilly
📞 905-928-5265
📧 [email protected]

08/18/2026

Welcome to 2 Cresthaven Drive in Stoney Creek, a spacious 2-storey home situated on a desirable corner lot in a family-friendly neighbourhood. Offering 4 bedrooms and 4 bathrooms, this well-maintained home provides an ideal layout for growing families and those who love to entertain.The main floor f

Address

Fruitland Road And North Service Rd
Stoney Creek, ON
L8E0B7

Opening Hours

Monday	8:30am - 8pm
Tuesday	8:30am - 8pm
Wednesday	8:30am - 8pm
Thursday	8:30am - 8pm
Friday	8:30am - 8pm
Saturday	9am - 5pm
Sunday	9am - 5pm

Telephone

+19059285265

Website

http://www.mortgagecentre.com/lillyrendulic

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