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Katrina Bernardino

Home
Canada
Winnipeg, MB
Katrina Bernardino

Winnipeg-born and mortgage-obsessed since 2019. Turning keys, dreams, and good vibes into reality every day. 🏡✨

I’m your energetic, loyal, and witty Mortgage Matchmaker—guiding you through home financing with clarity, confidence, and zero stress. I'm a passionate Mortgage Broker making your dreams of owning a home a reality. I will go above and beyond for you to ensure a positive and unforgettable client experience. I come equipped with a great personality and witty character to make this journey memorable.

09/07/2026

One of the biggest questions buyers ask is whether they should choose a fixed or variable mortgage.

The answer isn't the same for everyone.

A fixed rate gives you consistency. Your rate stays the same throughout your term, making it easier to plan your monthly budget.

A variable rate can change over time as lending rates change. Some buyers are comfortable with that flexibility, while others prefer the predictability of knowing exactly what their payments will be.

When deciding between the two, it's worth thinking about more than just today's rates.

✨ How long do you plan to stay in the home?
✨ Do you value stability or flexibility?
✨ How comfortable are you if rates change during your term?
✨ What fits your overall financial goals?

This fall, choosing between fixed and variable isn't about finding the "right" answer. It's about finding the option that makes the most sense for your situation.

Katrina Bernardino, Mortgage Agent
📧 [email protected]
📲 (204)930-3672

09/04/2026

The fall market is officially underway.

For some people, that means actively searching for a home. For others, it's getting ready to sell before the end of the year. And for plenty of people, it's simply a time to watch the market and see what happens.

No matter where you are, there's value in having a plan.

👉 Buying? It's a great time to make sure your financing is in place before you start making offers.
👉 Selling? Now is a good opportunity to think about timing, pricing, and preparing your home for the market.
👉 Watching? Staying informed now can make it easier to move when the timing is right.

You don't have to make a move this fall.

But if you are thinking about one, being prepared can help you feel more confident when the right opportunity comes along.

Which category are you in this season?

Katrina Bernardino, Mortgage Agent
📧 [email protected]
📲 (204)930-3672

09/03/2026

Back-to-school season often brings a fresh routine, and for many people, it's also a time to start thinking about bigger goals.

Maybe buying a home has been on your mind.
Maybe you're planning for a move next year.
Or maybe you're just starting to explore your options.

You might be:

🏡 Hoping to buy in the next year
💰 Working on your savings
📈 Improving your credit
👀 Just learning about the process

You don't have to be ready to buy today to start preparing.

In fact, some of the best mortgage decisions happen months before you ever start house hunting.

Back-to-school is all about planning ahead, and your homeownership goals are no different.

What's your focus this fall?

Katrina Bernardino, Mortgage Agent
📧 [email protected]
📲 (204)930-3672

09/02/2026

The Bank of Canada held its rate today — but what does that actually mean for YOUR mortgage? 🏠

You’re probably going to see a lot of posts today saying:

“Prime is 2.25%!”

Not quite. 😉

The Bank of Canada’s overnight policy rate is 2.25%. That is NOT the same as your lender’s prime rate.

So, if you’re a homeowner wondering:

“Does this mean my mortgage payment is changing?”

For most homeowners with a fixed-rate mortgage — no. Your rate and payment remain the same until your mortgage comes up for renewal.

If you have a variable-rate mortgage or a HELOC, today’s decision is more directly relevant — but even then, what happens to your payment depends on your specific mortgage product and lender.

And if you’re shopping for a mortgage, today's announcement doesn't automatically mean that every mortgage rate available to you is 2.25%.

The important number isn't just the headline rate. It's the rate and mortgage strategy that make sense for YOUR situation.

That's where having a mortgage professional in your corner can make a difference.

If you're wondering how today's decision affects your mortgage, renewal, or plans to buy, send me a message. Let's look at your specific situation rather than relying on a headline. 🏡

Katrina Bernardino | Mortgage Agent

08/31/2026

August is a wrap ☀️➡️🍂

Summer is officially winding down, and you can already feel the shift, more listings starting to pop up, more buyers re-entering the market, and things slowly picking up again heading into fall.

This month was really about getting ahead of that shift, talking about preparation, credit, budgeting, and what it looks like to get mortgage-ready before things get busy again in September.

Because once the fall market fully kicks in, things tend to move a bit faster.

If you used August to get organized, you’re in a great spot heading into the next season. And if not, there’s still time to get ahead before the pace changes again.

September is where planning turns into action.

Katrina Bernardino, Mortgage Agent
📧 [email protected]
📲 (204)930-3672

08/28/2026

Fall has that “fresh start” energy 🍂

Even though it’s not the beginning of the year, it still feels like a reset, routines come back, homes feel cozier, and a lot of people start thinking about what they want to change or improve before winter.

For some, that’s finally getting serious about buying a home. For others, it’s upgrading, downsizing, or getting their mortgage in better shape. And sometimes it’s just getting organized and feeling more in control financially.

There’s no right version of a “fall goal,” it just depends on where you’re at right now.

So I’m curious… what’s your biggest home goal for this season?

Katrina Bernardino, Mortgage Agent
📧 [email protected]
📲 (204)930-3672

08/27/2026

Your maximum mortgage isn’t just a simple income x rule, it’s a combination of a few key factors that lenders use to assess affordability.

They start with your gross income, then factor in your housing costs (like mortgage payments, property taxes, and heating), as well as any other debts you carry.

From there, they apply debt ratio guidelines (GDS and TDS) to make sure your monthly payments stay within a manageable range.

Interest rates also play a role in the calculation, which means your maximum approval can shift depending on market conditions.

That’s why two people earning the same income can end up with very different approval amounts, because it’s not just about income, it’s about the full financial picture.

If you’re curious what your actual maximum purchase price looks like, it’s always worth getting a personalized breakdown.

Katrina Bernardino, Mortgage Agent
📧 [email protected]
📲 (204)930-3672

08/26/2026

If you’re thinking about applying for a mortgage this fall, your credit is one of the most important things to review ahead of time.

Lenders use it to help assess risk and determine what you qualify for, so even small details can make a difference.

This doesn’t mean your credit has to be perfect, but it does mean it should be accurate, stable, and in a good place before you apply.

Things like credit card balances, payment history, and even small reporting errors can all impact your overall profile.

The goal over the next few weeks isn’t to overhaul everything, it’s to clean things up, reduce surprises, and give yourself the strongest position possible going into a mortgage application.

A bit of preparation now can make the approval process a lot smoother later.

Katrina Bernardino, Mortgage Agent
📧 [email protected]
📲 (204)930-3672

08/25/2026

Mortgage refinancing is when you replace your current mortgage with a new one.

That new mortgage can come with different terms, like a new interest rate, payment structure, or amortization period, depending on your goals.

People usually refinance for a few main reasons. Sometimes it’s to secure a better rate. Other times it’s to access home equity for renovations or larger expenses. It can also be used to consolidate higher-interest debt into one payment.

But it’s not something to do automatically.

There can be costs involved, like penalties for breaking your current mortgage early, so the timing and numbers need to make sense overall.

When used strategically, refinancing can improve your financial situation, but it should always be based on your specific goals, not just what’s available.

Katrina Bernardino, Mortgage Agent
📧 [email protected]
📲 (204)930-3672

08/24/2026

A good example of why timing can matter 👀

This client had been watching the market earlier in the year but didn’t feel rushed to make a move in the spring or summer. Instead, they decided to wait and revisit things in the fall when they felt more ready.

By the time fall listings picked up, they were in a stronger position, more clarity on budget, pre-approval in place, and a better understanding of what they actually wanted in a home.

That combination made a big difference.

Instead of trying to figure everything out in a fast-moving market, they were able to move with intention when the right property came up.

And in the end, the timing lined up well with both their readiness and the opportunities available.

It’s not always about rushing in, it’s about being ready when the right moment shows up.

Katrina Bernardino, Mortgage Agent
📧 [email protected]
📲 (204)930-3672

Address

1850 Ness Avenue #2
Winnipeg, MB
R3J3J9

Opening Hours

Monday	8am - 8pm
Tuesday	8am - 8pm
Wednesday	8am - 8pm
Thursday	8am - 8pm
Friday	8am - 8pm
Saturday	10am - 6pm

Telephone

+12049303672

Website

https://linktr.ee/mortgagesbykatrina, https://orbismortgage.ca/

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