Andrew Gomez - Mortgage Agent L2

Andrew Gomez - Mortgage Agent L2 TMG The Mortgage Group - FSRA # 10315
šŸ¦ Mortgage education + Industry talk
šŸ¤ Bank-level service, more mortgage options

ShabangšŸ’„
06/14/2026

ShabangšŸ’„

June 10, 2026: As expected. I hope we can accept that The Rate-Cut Era is over. Is a hike on the horizon? Weā€™ll see! Maj...
06/10/2026

June 10, 2026: As expected. I hope we can accept that The Rate-Cut Era is over.

Is a hike on the horizon? Weā€™ll see! Major institutional forecasters are now predicting that BoC could raise the policy rate by 75 basis points by the end of 2026 to curb re-emerging inflation pressures.

Next Announcement: July 15, 2026

06/10/2026

Just kidding, we love our lender underwriters šŸ™ƒWild Fight Nights tho šŸ”„

Uptown uploads ā˜€ļøšŸ½ļøšŸŽŠ
06/09/2026

Uptown uploads ā˜€ļøšŸ½ļøšŸŽŠ

06/01/2026

Fixed or Variable Rate Mortgageā“

05/25/2026

The truth about mortgage rate holds... šŸ‘‡

Look, I completely understand why locking in a rate feels like crossing the finish line. When market conditions are moving fast, you want protection.

Thatā€™s totally fair.

But thereā€™s a massive misconception out there that a rate hold means you are officially clear to close.
It doesnā€™t.

A rate hold is simply a lender promising to hold a specific rate or rate ceiling for a set period of time (usually 90 to 120 days). But hereā€™s the kicker: You still have to qualify when itā€™s time to finalize the property.

If your financial situation changes, or if the lenderā€™s guidelines shift before your closing date, that hold wonā€™t save an unapproved deal. Plus, policies vary give or take by lender. Some offer float-down options if rates drop, while others lock you tightly to that specific framework.

Want to know how to structure your purchase strategy so you actually qualify smoothly on closing day?

šŸ’¬ Comment ā€œhome buyerā€ and Iā€™ll send you my First Time Home Buyer Guide directly to your DMs.

The latest report from the Canadian Real Estate Association (CREA) shows a 4.1% month-over-month increase in new listing...
05/22/2026

The latest report from the Canadian Real Estate Association (CREA) shows a 4.1% month-over-month increase in new listings. While short-term indicators point toward a leveling of prices, the market continues to face underlying challenges, including ongoing interest rate pressures and increased power of sale listings.

Navigating these mixed signals requires a cautious, strategic approach. This complexity makes securing a mortgage pre-approval more critical than ever. A pre-approval gives you a roadmap, some financial certainty, protects you against sudden rate fluctuations, and ensures you know your exact borrowing capacity so you can act safely if the right opportunity arises.

Comment ā€œHOME BUYERā€ and Iā€™ll send you my official 1-page First Time Homebuyer Guide to help you map out your next steps!

05/15/2026

The ā€œApprovalā€ that never was.

I get it. The mortgage process is full of jargon that all sounds the same. But mixing up a ā€œRate Holdā€ with a ā€œPre-Approvalā€ is one of the most common ways buyers get into trouble.

Just to give you a sense of the risk: If you make an offer thinking youā€™re approved when you only have a rate holdā€¦ You might find out too late that the bank wonā€™t actually lend you what you need.

Hereā€™s a breakdown for your reference:

- Rate Hold: Locks in the interest rate (conditional on qualifying).
- Pre-Qualification: A rough estimate based on unverified information.
- Pre-Approval: The ā€œGold Standardā€ of pre-purchase planning where primary docs are verified.

Donā€™t fly blind!

SHARE this with someone planning to buy a homešŸ”

05/05/2026

ā€œPre-approvedā€ doesnā€™t mean ā€œDone Deal.ā€

I see too many buyers lose their dream home because they didnā€™t realize their pre-approval was just an estimate. Itā€™s a snapshot in time. If any of these change, your approval might too:

- Your credit score
- Your debt-to-income ratio
- Your source of down payment
- The property details

Donā€™t go house hunting with a blurry map. Letā€™s get you a crystal-clear look at what you can actually afford in todayā€™s market.

DM me ā€œHomieā€ for a free assessment tool

Address

151 Harbord Street
Toronto, ON

Telephone

+16479477239

Website

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