Maria Salvino and Your Mortgage

Maria Salvino and Your Mortgage Licensed Mortgage Agent in Markham serving the GTA. Mortgage Agent Level 1 / License
Zolo Mortgage Brokerage #13191

🔄 Is Refinancing the Right Move Refinancing means replacing your current mortgage with a new one — often at a different ...
09/18/2025

🔄 Is Refinancing the Right Move

Refinancing means replacing your current mortgage with a new one — often at a different rate or term. In today’s market, refinancing can help you:

âś” Lower your rate (if rates drop or you qualify better now).
âś” Consolidate debt (roll high-interest credit card or loan balances into your mortgage).
âś” Access equity for renovations, investments, or education.
âś” Switch terms (e.g., from variable to fixed for stability).

💡 Even if your current rate isn’t ideal, refinancing can be strategic depending on your equity, debt, and financial goals.

📲 Thinking about it? Let’s connect and calculate your break-even point (savings vs. costs).

Zolo Mortgages #13191
Maria Salvino Level 1

📊 Today’s Market = More Creative MortgagesGone are the days when you had to choose between fixed or variable. Lenders ar...
09/02/2025

📊 Today’s Market = More Creative Mortgages
Gone are the days when you had to choose between fixed or variable. Lenders are getting creative to help buyers manage costs in today’s market:

✔ Rate Buydowns – Pay upfront to secure a lower rate.
✔ Hybrid Mortgages – Part fixed, part variable for flexibility.
✔ Cashback Mortgages – Get cash at closing to cover moving costs.
✔ Flexible Payments – Skip or double-up when needed.

💬 The best mortgage is the one that matches your lifestyle and future plans. Let’s figure out which one works for you before you start shopping.

Zolo Mortgages #13191
Maria Salvino
Level 1

đź“ť Pre-Approval = Power in Your PocketShopping for a home without a pre-approval is like shopping without your wallet.âś… L...
08/26/2025

đź“ť Pre-Approval = Power in Your Pocket
Shopping for a home without a pre-approval is like shopping without your wallet.

âś… Locks in your rate for up to 120 days
✅ Proves to sellers you’re serious
âś… Speeds up your buying process when you find the right home

đź’ˇ Even if rates drop later, you can often get the lower rate before closing.

Zolo Mortgages #13191
Maria Salvino
Level 1

🏡 Mortgage Monday: The Market is MovingMortgage rates aren’t standing still — and neither should you if you’re thinking ...
08/18/2025

🏡 Mortgage Monday: The Market is Moving
Mortgage rates aren’t standing still — and neither should you if you’re thinking about buying or refinancing. Even a small change in rates can make a big difference in what you pay each month.

📉 Example: A 0.25% increase in rates on a $500,000 mortgage can mean hundreds more per year out of your pocket.

💡 Pro Tip: Don’t wait until you find a house to talk to a lender. Get pre-approved now to lock in today’s rate for 90–120 days so you can shop with confidence.

📲 DM me if you’d like to connect.

Zolo Mortgages #13191
Maria Salvino
Level 1

Address

Toronto, ON

Telephone

+14169103025

Website

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