Lora Behm, Mortgage Agent

Lora Behm, Mortgage Agent 🙋🏻‍♀️ https://bit.ly/3XgsHte 🙋🏻‍♀️
Lora Behm, Mortgage Agent - Level 2 (FSCO #12728) Part of Mortgage Architects, License 12128

Here's something many people don't know...Foster parent income may be able to be used when qualifying for a mortgage.If ...
09/02/2026

Here's something many people don't know...

Foster parent income may be able to be used when qualifying for a mortgage.

If you're currently a foster parent make sure you mention it during your mortgage application.

Every lender has different guidelines, but it could make a difference in what you qualify for.

The more I know about your situation, the more options I can explore for you.

📱 (289) 274-7607
📧 [email protected]

09/01/2026

Owned a home before?

Did you know you might still qualify as a first-time home buyer?
There are new rules that may allow you to qualify if you haven't owned a home in the last five years or you've experienced a separation or marital breakdown.

Qualifying as a first-time home buyer again could give you access to benefits such as:
-A 30-year amortization with less than 20% down
-The ability to use your RRSP for your down payment
-Access to a First Home Savings Account (FHSA)

The one thing you never get again is the land transfer tax rebate...that is one & done! Even if the one home you owned was outside of Canada.

📱 (289) 274-7607
📧 [email protected]

Most people know about cash back credit cards...But how about getting cash back on your mortgage? Many people don't real...
08/31/2026

Most people know about cash back credit cards...
But how about getting cash back on your mortgage?

Many people don't realize that some mortgage programs offer cash back—sometimes 1%, 2%, or even 3% of your mortgage amount.

That money can be used for things like:
-Closing costs
-New furniture
-Paying down credit card debt
-Or simply giving you a little extra breathing room after you move in.

Not every lender or mortgage offers this option, but if cash flow is important to you, it's definitely worth asking about.

If you didn't know this was available... now you do!

📱 (289) 274-7607
📧 [email protected]

MONEY TIP..try the Envelope System.At the beginning of the month, take out cash and divide it into envelopes for differe...
08/28/2026

MONEY TIP..try the Envelope System.

At the beginning of the month, take out cash and divide it into envelopes for different spending categories like groceries, gas, dining out, entertainment, or any other expenses that change from month to month. (Think of expenses that aren't fixed, groceries)

As the month goes on, you spend only what's in each envelope. Once an envelope is empty, that's your budget for that category. If you need more, you'll have to borrow from another envelope. Because you can physically see how much money you have left (or not!) it makes you much more aware of where your money is going.

The biggest benefit? It helps you become more intentional with your spending. It's so easy to tap your card these days without thinking twice, but when you can actually see the cash disappearing, it's a great visual reminder of how much you have left for the month.

If you've struggled to stick to a budget like I do, the Envelope System might be worth a try. Sometimes the simplest methods are the ones that work best!

📱 (289) 274-7607
📧 [email protected]

Wondering what it takes to purchase a $700,000 home in today's market?Here's an example using minimum down payment:Purch...
08/27/2026

Wondering what it takes to purchase a $700,000 home in today's market?

Here's an example using minimum down payment:
Purchase Price: $700,000
Minimum Down Payment: $45,000
Estimated Closing Costs: $15,176 ($11,176 if you are a first time home buyer!)
Approximate Household Income: $138,000

This is an example based on someone with minimal debt and no condo fees. Your actual qualification will depend on factors like your debt, credit, interest rates, etc.

If you're curious about what you can afford, let's run the numbers together.

📱 (289) 274-7607
📧 [email protected]

08/26/2026

A lot of people know you can borrow extra money to fund renovations when you're buying a new home—and I love that program.

But did you know some lenders also allow you to finance renovations on a home you already own?

Instead of relying on high-interest credit cards or a line of credit, you may be able to roll renovation costs into your mortgage when it's time to renew or even in the middle of your mortgage term.

If you have a renovation on your wish list, let's see if this could be an option for you.

📱 (289) 274-7607
📧 [email protected]

Most homeowners don't realize this...did you know that you may be eligible for a Visa or Mastercard that's linked to you...
08/26/2026

Most homeowners don't realize this...did you know that you may be eligible for a Visa or Mastercard that's linked to your home equity? And because it is secured to your house, you get lower interest rates than a typical credit card

That can mean:
-Rewards or cash back (depending on the lender)
-Access to a line of credit for larger purchases, renovations, or unexpected expenses

If you take the money you are saving in the interest and put it down on your debt on the credit card you can also pay off the debt faster.

This can be especially beneficial for business owners or anyone who regularly carries business expenses on their credit card.

Like any financial product, it's important to understand how it works and whether it's the right fit for your situation—but for some homeowners, it's a valuable option they never knew existed.

📱 (289) 274-7607
📧 [email protected]

08/24/2026

Have you outgrown your starter home and are thinking about buying a larger home with a little more space?

Did you know you may be able to convert your current home into a rental, pull the down payment for your new home from the equity in that property, and keep your first home as an investment property?

Even better, the mortgage interest on that rental property is tax-deductible, which reduces the taxes you pay on your rental income.

Real estate can be a powerful investment so this is definitely an option that's worth exploring before you decide to sell.

📱 (289) 274-7607
📧 [email protected]

If you're a first-time home buyer wondering where to start saving, my first recommendation is usually a First Home Savin...
08/21/2026

If you're a first-time home buyer wondering where to start saving, my first recommendation is usually a First Home Savings Account (FHSA).
Here's why:
-Contribute up to the annual limit each year.
-Contributions may reduce your taxable income.
-Your investments can grow tax-free when used toward the purchase of your first home.

Once you've built up your FHSA, you can then look at other savings options like a Tax-Free Savings Account (TFSA) or an RRSP, depending on your long-term financial goals.

Not sure which account makes the most sense for you? A little planning today can go a long way toward reaching your homeownership goals.

📱 (289) 274-7607
📧 [email protected]

08/20/2026

Do you have kids? 

If you receive the Canada Child Benefit (CCB), make sure you mention it during your mortgage application.

This is something that can be used on your application depending on the ages of your kids. 

That’s why it’s important to let me know:
-If you receive child benefits
-How many children you have
-Their ages
Sometimes it’s the little details that can make a big difference in your mortgage application.

📱 (289) 274-7607
📧 [email protected]

Address

Toronto, ON

Telephone

+14167062307

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