Cusumano Mortgage Rates

05/11/2026

Blessed to be your Mother, Everyday. My loves 💙🩷🤍

05/08/2026

✨Happy birthday Bello!!!! 💙
17 years with you 💙 I'm truly blessed to be your mama. 💙

05/06/2026

🛑 Stop! Don’t just sign that RENEWAL letter.

📅Is your mortgage up for renewal in 2026?

✍️ That letter from your bank is often not ❌ the best deal on the table.

With many homeowners moving off low rates, this is your chance to:

✅ Search your rate with a broker
✅ Optimize your cash flow
✅ Switch lenders with ease

Before you sign, let’s make sure you’re getting the best deal.

DM me "RENEW" for a free review!

✉️ [email protected]
☎️ 604-790-1709

🌹

04/29/2026

April 29, 2026 – Bank of Canada Holds Rates

What does this mean for you?

Every mortgage and buying decision is unique, but understanding why rates are paused helps you plan ahead. The Bank of Canada is balancing inflation (sitting near 2.5%) while trying to maintain economic stability—especially with ongoing global energy price pressures. They see it going closer to 3%.

If energy costs rise further, it could influence future rate decisions. For now, the Bank will continue to assess conditions at each meeting and adjust at those times. 

Global events, including ongoing conflicts, will continue to play a role in what happens next.

Have questions about how this affects your mortgage or buying plans? Let’s talk.

[email protected] ✉️
Book a call ☎️
Rate holds are free with no obligations.✨
🌹

04/28/2026

For your security, I will never request personal or financial information through social media, email or private messages. All communication is handled securely by phone and secure portal after "we have had a conversation" ☎️

If you ever receive a message asking for information or money claiming to be me, it is not legitimate. Report to me via a text/call.
🌹TIA

04/14/2026

Since 2007, securing low RATES & customized financing. I support First-time buyers, refinancing, renewing, to multi-unit residential & commercial investors.

Focused on SOLUTIONS-based STRATEGIES.

Plan. Prepare. Prosper.

https://www.facebook.com/profile.php?id=100066917973567

✅ Join page for mortgage news and updates.

Reach out anytime for your free review or ask questions.

Anytime is the right time. 🎯

[email protected]
604-790-1709

Cusumano Mortgage Solutions 🌹

03/27/2026

Increase in Seasonal/Vacation Homes in 2026.

✅Plan. Prepare. Purchase.🏠

Excerpt from a Royal la Page Report, March 26/26:

"Survey showed increase in the number of full-time residents moving back to urban centres in the last year. It comes as more return-to-office mandates have taken effect, meaning some homeowners who moved to recreational regions during the remote work era have been forced to reconsider their living arrangements.

Still, demand levels have been boosted by 👉more Canadians🍁 looking to vacation within the country rather than the U.S. amid ongoing economic and political tensions.

🧑‍🤝‍🧑Two-in-five real estate representatives surveyed said the “buy Canadian” 🍁movement has led to an⬆️ increase in inquiries from domestic buyers of recreational real estate.

The report said 13% of respondents reported an ⬆️increase in interprovincial buyers in their region compared with the same time last year. 👉One third also reported more American buyers inquiring about recreational real estate north of the border over the past year."

Want to know your purchase power 💰🏠 🎯

Plan. Prepare. Purchase.

👉 Cusumano Mortgage Solutions

[email protected]

Cusumano Mortgage Rates

03/27/2026

TD 2026 forecast on Canadian Home Sales. 🏠 💰
Still a buyers market.
If your prepared, you'll know when it's Your Time to Buy.
✅Plan. Prepare. Purchase.✅
With:
Cusumano Mortgage Solutions 👈

TD Economics has severely lowered its 2026 forecast for home sales and prices, saying it no longer expects either to rise this year, after weak performances over the past two quarters.

03/18/2026

🎯As of March 20 2026, the CRA is accepting applications for the First-time Home Buyers' (FTHB) GST/HST rebate , offering up to $50,000 for eligible buyers of new/renovated homes.🎯

It provides a full rebate on homes up to $1 million, with a phased-out rebate up to $1.5 million, meant to be applied through builders or directly. 💱

Key Details on the First-Time Home Buyer GST/HST Rebate (2026)

Eligibility: Must be a first-time buyer purchasing a newly constructed or substantially renovated home (including condos, townhouses, mobile homes) to be used as a primary residence.

Rebate Amount:

Up to $1,000,000: Full rebate of the 5% GST (or federal component of HST).

$1,000,001 - $1,499,999: A partial, phased-out rebate.

$1,500,000+: No rebate.

Application: Builders can credit this directly upon closing, or you can apply using Form GST190 (builder) or Form GST191 (owner-built) within two years.

Existing Rebate: This acts as a top-up to the existing GST/HST new housing rebate, specifically enhancing affordability for first-time buyers. 

 Other Essential Information

Previous Rules: For context, prior to these 2026 updates, the old, standard GST new housing rebate only applied to homes priced up to $450,000.

Location Constraints: While this applies to the 5% federal GST component, provincial rules (like in BC) may have ✨ additional taxes like PTT (Property Transfer Tax) which are separate 👈from this federal rebate. Talk about this with your mortgage broker and lawyer. PTT is paid at time of close with your down payment and legal fees.

Timeline: The new rules generally apply to agreements entered into on or after March 20, 2025. 

Always confirm with your builder or a tax professional regarding your eligibility for the rebate, as it depends on your specific purchase agreement and timing, as stated on Canada.ca. 

 resource. CRA.CA

NEWS🗞️ brought to you by [email protected]

10/29/2025

✔️.25% Rate Drop
BOC key interest rate 2.25%
✔️Prime rate 4.45%

Home equity loans, variable and adjustable rate mortgages all benefit.

About $15 lower payment per $100k loan.

2 million households are up for mortgage renewal.

Let's talk about your options.

Note: Fixed rate holders are not affiliated with this change. But are steady at a low range, focused on bond yields.

Want more clarification. Reach out anytime.

📰 Erica Cusumano Mortgage Solutions

Plan. Prepare. Prosper.

🇨🇦🇨🇦🇨🇦🇨🇦🇨🇦🇨🇦🇨🇦🇨🇦

www.ladonnamortgagesolutions.ca