Michelle's Mortgages

06/16/2023

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Roseborsky Mortgages Email Forms

06/15/2023

Let's Get to Know Each Other!

Please leave a comment under which category you fall under -

I want to take a moment to get a better understanding of who you are and what brought you here.

Your insights will help drive content topics, ensuring that we are creating a valuable community for you!

06/14/2023

After a brief re-set break, I am back with the goal of supporting YOU throughout your homeownership journey leveraging personalized support and making sure you feel valued and heard.

With an emphasis on keeping the connection between clients and us growing!

I aim to create a vibrant community where mortgage conversations thrive. Let's navigate the mortgage landscape together, harnessing the power of our collective knowledge and experiences.

If you made it this far, please leave a like to let us know you're here!

02/20/2023

From my family to yours, hope you enjoy a wonderful Family Day!

02/17/2023

A picture is worth a thousand words. This one is definitely saying work with a Realtor, because professional staging and photography are both important! LOL

02/15/2023

When applying for a mortgage, you’re likely to hear about ‘GDS and TDS ratios’. These calculations are used to determine what you can afford to pay towards homeownership costs based on your current income and debt levels.

GDS – gross debt service – is the percentage of a borrower’s income that’s required to pay all monthly housing costs (principal, interest, taxes and heat).

TDS – total debt service – is the percentage of a borrower’s income that’s required to cover housing costs (GDS) plus any other monthly obligations, including payment towards credit cards, lines of credit, personal loans and vehicle loans.

02/13/2023

Curious how much you need to qualify for a mortgage in cities across Canada?

Let’s talk about your specific needs.

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02/10/2023

Who can relate? LOL

02/08/2023

British Columbia has become the first province to require a three-day cooling-off period for buyers after they’ve signed a contract to purchase a home.

The move will give added protections when making such a large purchase and help buyers avoid high-pressure sales tactics, arrange for a home inspection, have more time to secure financing and be sure the purchase is right for them.

Do you think Ontario should follow suit?

British Columbia has become the first province to require a three-day cooling-off period for buyers after they've signed a contract to purchase a home.

02/06/2023

Even with a cooler housing market, 2023 may still present opportunities for both buyers and sellers across Canada.

Here are some tips from a real estate broker.

Let’s chat about your mortgage needs.

Even with a much cooler housing market, 2023 may still present opportunities for both buyers and sellers in Canada, one real estate broker says.

02/03/2023

This should be fun LOL

02/01/2023

As a homeowner, when faced with a separation or divorce, there are many important decisions to make. One key question to ask yourself is: Can I afford to stay in my home?

This includes covering mortgage payments, taxes, utilities, insurance and maintenance on a single income without making difficult financial sacrifices.

I can help determine what you can comfortably afford!