Adriana Romeo RBC Mortgage Specialist
Caledon Caledon, ON, Canada

Extraordinary. Unprecedented. Devastating. There’s no shortage of words that have been used to describe the past year. Listen to the latest #RBCDisruptors episode that looks back on 2020 & ahead to 2021.

Happy birthday to my handsome hubby you make us crazy some days, but there is no one I would rather quarantine with than you !! Love you babe #hubbybirthday #familyiseverything #hardworking #dogdad #bestcook #mrfixit #wedrivehimcrazybuthelovesus

Historic Housing Market Rally Made It Less Affordable to Own a Property in Canada - economic updates from RBC Economics

As a first time homebuyer you know you’ll need a down payment, but there are other costs you should budget for. Here’s the lowdown on common closing costs. Lawyer’s and/or Notary Fees Plus GST Lawyer’s prepare and register purchase documents and mortgage documents when you buy a home, and lawyers cost money! Depending on your province, expect to pay anywhere between $500 and $2000 in legal fees when you buy your first home, and don’t forget to add your provincial GST.1... Disbursements and Adjustments Along with the lawyers’ fees for their services, first time buyers should also budget for disbursements and adjustments. Disbursements are fees or charges lawyers incur on your behalf for things like government registration fees, search fees, and courier or mail fees. Adjustments refer to calculations that account for expenses the home seller may have prepaid, such as property taxes or utilities. Title Insurance While it isn’t mandatory, title insurance protects you against losses related to your home’s ownership/title.1 On a new purchase of $500,000, your title insurance would cost about $300, according to a recent MoneySense article. Learn more about title insurance to decide if it’s right for you, and ask your lawyer for a quote on title insurance for your property. Land Transfer Tax Land transfer taxes and/or transfer fees on the purchase of a home vary by purchase price, province and if you’re in Ontario, even by regional location. Toronto first time homebuyers pay an additional municipal land transfer tax.2 And as of April 1, 2016, Torontonians also pay an additional $84.75 ($75 fee + GST) as a municipal administration fee.3 Ontario and British Columbia, offer a land transfer tax rebate for qualified first time homebuyers. Home Inspection Fee Before buying a house, many homebuyers today hire a home inspector to assess the operating and structural systems of a home. A home inspection may reveal potentially costly renovations and repairs that purchasers should know about before finalizing their agreement to buy. Link in my Bio for full article #mortgage #mortgagespecialist #firsttimehomebuyer #mortgageindustry #alwayshereforyou #yourmortgagecoach

Now, more than ever we need to stand together. This article 7 Ways to Support Local Businesses Right Now, will give you ideas on how to support your neighbours.

My Dream Home~ it’s not the shell, it’s what we create in it. Laughter, trust, love, dancing , singing , joy, bonds, comfort and moments which create memories #makingahouseahome #financecoach #financialplanning #yourdreamhome #mortgagespecialist

Questions about mortgage approvals, interest rates, down payment options, income requirements , qualifying criteria? I am here to help, let’s talk #rbcmortgagespecialist #mortgagespecialist #financialprofessional #mortgageadvice #caledonontario #gta

Here's a great guide to help with your pre-winter cleaning - The Ultimate Guide to Cleaning & Decluttering Your Space

Mental health services have never been more important. The RBC Foundation is proud to invest $1.5 million to help CHEO and more than 60 other organizations across Eastern Ontario to improve access to youth mental health and addictions care. Read more here: https://www.cheo.on.ca//rbc-royal-bank-donates-1-5-m-to-he

Unshackling from the urban jungle may sound appealing, but requires consideration.

A pandemic splurge is something you buy yourself to counter the deadening effects of physical distancing, or to make your house more of a home. What's yours?

RBC Training Ground is back, expanding its search for the next generation of Olympic talent in Canada with a new virtual qualifying format and giving every Canadian athlete between the ages of 14 and 25 the chance to be scouted by Team Canada, from home.