Lylgenia Oasin - Mortgage Professional

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Canada
Winnipeg, MB
Lylgenia Oasin - Mortgage Professional

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Licensed Mortgage Professional @ Fi-Nest Mortgage

First-time buyers • Renewals • Refinancing • Investment Properties • Self-Employed • Private Mortgages

10/17/2026

💥 ONLY $1,892/MONTH 💥
(Mortgage + taxes + heat — for THIS house!)

📅 Open House: Saturday, October 17 | 2:00 PM – 4:00 PM
📍 1062 Mountain Avenue

Do you know how much your mortgage would actually be for this house? 👀 It might be closer to your current rent than you think!

💰 NOW $299,900 (reduced from $309,900)
🔑 First-time buyer? You could get in with as little as $14,995 down.

So many people think buying is out of reach, but the numbers might surprise you. Let's run through your own numbers together, no pressure. 😊

💬 Curious what YOU could qualify for? DM me or reach out:

L.G Oasin
Fi-Nest Mortgage
204-232-0648

📌 Example only. Actual payment depends on your rate, down payment, credit, and lender. Message me for numbers specific to you.

10/06/2026

Refinance or HELOC — do you know the difference? 🤔

Both let you tap into the equity in your home 🏠💰, but they work very differently — and picking the wrong one could cost you. 😬

If you're not sure which one fits your situation, send me a message. I'll break it down for you. 💬✨

L.G Oasin
Fi-Nest Mortgage
204-232-0648

10/05/2026

💥Buyer's First Mistake: house hunting before getting pre-approved.

A lot of people fall in love with a place, then find out they can't even make an offer yet.

Pre-approval tells you:
✅ What you can actually afford
✅ Your rate, locked in for 90-120 days
✅ That you're a serious buyer to sellers

Skip it, and you risk losing the home to someone already approved — or falling for something outside your budget.

Thinking about buying soon? Get pre-approved first. It's quick, and it puts you ahead. Message me anytime. 🏠

L.G Oasin
Fi-Nest Mortgage
204-232-0648

10/04/2026

🏡 Is your mortgage renewing soon? Don't just sign, compare.

Your lender will send you a renewal offer, and it's easy to just sign it and move on. But that offer is usually just their starting point, not your only option.

Here's what renewal time actually gives you:

✅ The chance to shop your rate across multiple lenders, not just your current one
✅ No penalty to switch, something you can't do mid-term without a fee
✅ A chance to renegotiate your term, rate, or even consolidate debt

Taking 10 minutes to compare could save you thousands over your term. It costs nothing to check.

📲 Mortgage renewing in the next few months? Let's compare your options before you sign anything.

L.G Oasin
Fi-Nest Mortgage
204-232-0648

10/02/2026

💬 Question I got asked this week:

"I'm self-employed, can I even get approved for a mortgage?"

Yes, but the process looks a little different than a regular paycheque.

Here's what changes:
✅ You'll need 2 years of tax returns (T1 Generals) and matching Notices of Assessment
✅ Lenders average your income over those 2 years, not just your best one
✅ Write-offs that lower your taxable income can also lower what you qualify for
✅ You still go through the same stress test as everyone else

Being self-employed doesn't mean no, it just means a different path, and the right lender makes a big difference.

Got a mortgage question of your own? Send it my way, it might be next week's post. 😄

L.G Oasin
Fi-Nest Mortgage
204-232-0648

09/29/2026

🚨 What happens if you break your mortgage early?

Thinking about selling, refinancing, or switching lenders before your mortgage term is up?

You could face a mortgage penalty and it can be thousands of dollars.

Depending on your mortgage, you could be looking at:

🔹 3 months’ interest
🔹 IRD (Interest Rate Differential)

And the difference between the two can be significant.

💡 Before you break your mortgage, make sure you know what your penalty could be.

Want to know what it could look like for your mortgage? Send me a message. 📩

L.G Oasin
Fi-Nest Mortgage
204-232-0648

09/28/2026

🏡 How does a refinance actually work? Here's the simple version.

Example: home worth $500,000, mortgage balance $300,000.

1️⃣ Find your equity. Lenders generally let you borrow up to 80% of your home's value. That's $400,000 here, so up to $100,000 of equity is available.

2️⃣ Qualify again. It's a brand new approval: income, credit, and the stress test all get reviewed.

3️⃣ Appraisal. The lender confirms your home's current value.

4️⃣ Your new mortgage replaces the old one. You receive up to $100,000 in cash to use however you need, and your new mortgage balance in this example is $400,000.

5️⃣ Your payment adjusts to the new balance and terms.

💡 Good to know: refinancing can include appraisal and legal fees, and a prepayment penalty if you're mid-term. Refinancing at renewal usually avoids the penalty.
e lender confirms your home's current value.

📌 Example only. Actual amounts depend on your home's appraised value, credit, income, rate, and lender.

📲 Curious what you could access? Let's run your numbers.

L.G Oasin
Fi-Nest Mortgage
204-232-0648

09/26/2026

💥 ONLY $1,800/MONTH 💥
(Mortgage + taxes + heat — for THIS house!)

🏡 901 College Avenue, Winnipeg

Do you know how much your mortgage would actually be for this house? 👀 It's basically what you're already paying in rent!

💰 Asking $289,900
🔑 First-time buyer? You could get in with as little as $14,495 down.

🛏️ 2 Bedrooms | 🛁 2 Bathrooms | 📐 1,102 sq. ft.
Finished basement • Fenced yard • Double garage

So many people think buying is out of reach, but the numbers might surprise you. Let's run through your own numbers together — no pressure. 😊

📅 Open House: Saturday & Sunday, Sept 26 & 27 | 2:00 PM – 4:00 PM
📍 901 College Avenue

💬 Curious what YOU could qualify for? DM me or reach out:

L.G Oasin
Fi-Nest Mortgage
204-232-0648

09/26/2026

🏠 Thinking of buying a home? Here's what to have ready before we chat!

A lot of people wait until they've found "the one" to start the mortgage conversation — but getting a head start makes the whole process way smoother. Here's what you'll need:

📋 Documents to have ready:
✅ 2 pieces of valid ID
✅ SIN (Social Insurance Number)
✅ Letter of employment
✅ 2 latest pay stubs
✅ T4s
✅ Bank statements
✅ Proof of down payment
✅ Any other documents specific to your situation (self-employed, first-time buyer, etc.)

💬 Questions I'll usually ask:

• What's your budget or target price range?
• How much do you have for a down payment?
• Are you a first-time buyer? (There are programs that could help!)
• What's your timeline — are you looking now or a few months out?

You don't need everything perfect before reaching out — even a quick 15-min chat can help you understand where you stand and what to prepare next. No pressure, no obligation. 😊

09/23/2026

🏡 Mortgage renewal coming up? Here's how I can help.

Most people just sign whatever their lender sends them, but renewal time is actually one of the best opportunities you'll get.

Here's what I do for you at renewal:

✅ Shop your renewal across multiple lenders, not just your current one
✅ Compare your current offer to what else is available, so you know if you're actually getting a good deal
✅ Walk you through fixed vs variable based on where rates are right now
✅ Explore refinancing options, since renewal is one of the only times you can restructure your mortgage without an early break penalty

Renewing isn't just paperwork, it's a chance to renegotiate, refinance, or simply confirm you're already in the best spot.

📲 Mortgage renewing soon? Reach out and let's make sure you're getting the best deal, not just the easiest one.

L.G Oasin
Fi-Nest Mortgage
204-232-0648

Address

2200 McPhillips Street
Winnipeg, MB

Telephone

+12042320648

Website

http://www.mortgagealliance.com/LylgeniaOasinBinua

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