Kande Hughes - Mortgage Agent Level 1- Luxe Lending Corp. FSRA 13555

10/18/2026

Why get pre-approved? 🏡

Everyone knows the numbers: 5% down minimum, 20% to avoid mortgage insurance. But here’s what most buyers miss:

1. Your debt ratio decides what you qualify for. Having 5% down doesn’t mean you should buy. Your debts, income, and credit determine your real budget, so you know before you fall in love with a house you can’t afford.

2. Lifestyle. Qualifying for a payment and living comfortably with it are two different things. A pre-approval helps you shop for a home that fits your life, not one that stretches it.

Thinking about buying, or not sure where you stand? Send me a message and we’ll map out your numbers together. No pressure, just clarity. 💬

Realtor Tommy Shibata, Realty Executives Plus Ltd.

📞 289-802-6336
📧 [email protected]

BradfordOntario MortgageAgent

10/12/2026

10/11/2026

Rock, Paper, Scissors… Self-Employed Edition!

Being your own boss shouldn’t automatically mean giving up on homeownership.

The way you report your income for tax purposes isn’t always the same way a mortgage lender assesses it.

Different lenders have different programs, income requirements, and qualification guidelines.

Before you count yourself out, let’s explore your options.

📩 DM me SELF-EMPLOYED to start the conversation.

10/03/2026

09/23/2026

Congratulations to REMIC REALTY INC. Brokerage on the grand opening of their Whitby brokerage! 🥂🏡

There’s something inspiring about seeing people continue to build, grow and bet on their vision, regardless of what the market looks like.

Wishing the entire REMIC Realty team continued growth and success in this new chapter. 👏🏾✨