Mortgages by Rino

Home made #panzarotti by the #loveofmylife #mom #thebestcook

So grateful for the life I have

Now that’s a fire

Last week I joined @thedishondivorce , with family lawyer, Leanne Townsend, and mediator, Jennifer Barkin. We discussed many important topics, including challenges in mortgage cases involving divorce, strategies for financing, the difference between the various types of mortgages, and the impact of COVID-19 on the market. Check it out and feel free to post any questions/comments below. Alternatively, you can contact me via DM or email.... Link in profile for the complete video.

Simply put, it’s when you take the value out of your home , giving you a lower interest rate than an unsecured line of credit or credit card.

Refinancing could save you a considerable amount of money over the life of your loan and potentially improve your overall financial outlook. Alternatively, refinancing could also cost you. I’m here to make the home refinance process easier, with tools and knowledge that help guide you along the way.... Step 1: Let’s start with a conversation and a refinance analysis request. Upon determining what your objectives are, we can assess what the right move is for you and your circumstances. Call, email or send a message. Your peace of mind and future matter to me.

Who else is excited for spring? Lol I think that goes without saying Spring and moving go hand-in-hand. If you’re moving in the foreseeable future, these tips may come in handy: Create a moving checklist. ... Weigh the pros and cons of hiring professional movers (sometimes it’s worth the splurge). Declutter and get rid of unnecessary items so you can pack less when the time comes. Give each room a different colour packing label. Label and take photos of furniture parts and accessories. Do you have any great moving tips? Feel free to share them below. #spring #moving

Working hard is the easiest way to achieve your goals. Period. There is no shortcut to success. Am I right or am I right? #wordsofwisdom #fridaymood

Desirable area with #gostation at lakeshore and parklawn #mimico the old Christie factory #preconstruction

Simply put, it’s when you take the value out of your home , giving you a lower interest rate than an unsecured line of credit or credit card.

Refinancing could save you a considerable amount of money over the life of your loan and potentially improve your overall financial outlook. Alternatively, refinancing could also cost you. I’m here to make the home refinance process easier, with tools and knowledge that help guide you along the way.... Step 1: Let’s start with a conversation and a refinance analysis request. Upon determining what your objectives are, we can assess what the right move is for you and your circumstances. Call, email or send a message. Your peace of mind and future matter to me.

Who else is excited for spring? Lol I think that goes without saying Spring and moving go hand-in-hand. If you’re moving in the foreseeable future, these tips may come in handy: Create a moving checklist. ... Weigh the pros and cons of hiring professional movers (sometimes it’s worth the splurge). Declutter and get rid of unnecessary items so you can pack less when the time comes. Give each room a different colour packing label. Label and take photos of furniture parts and accessories. Do you have any great moving tips? Feel free to share them below. #spring #moving

Working hard is the easiest way to achieve your goals. Period. There is no shortcut to success. Am I right or am I right? #wordsofwisdom #fridaymood

Desirable area with #gostation at lakeshore and parklawn #mimico the old Christie factory #preconstruction

Although a mortgage is a long-term financial commitment, sometimes our circumstances change and we require a new deal to match them. You may want to consider refinancing when: Better rates are available, saving you at least half a percentage point. If your credit rating has improved, or your home equity has increased.... If you have equity in your home which you could release to pay off other debts. If you want to access your home’s equity to affordably fund improvements or other major expenses. If you bought your home with a low down payment and needed to take out mandatory mortgage insurance, but now have enough equity to avoid this. At the end of the day, it’s all case dependent. Want to talk it out? Let’s have a no frills conversation. It’s my pleasure to help, without commitment.

We all know that both weddings and homes are costly, especially in the GTA. If you are planning on celebrating your commitment to your partner, do the ring and celebration matter more than a larger down payment towards the purchase of a home? There are no right, or wrong answers here. The decision is unique to each couple and these discussions should be had in advance. ... But I am curious, when it comes to making these two very important decisions, which should be prioritized: the wedding or the mortgage?

Did you know: when you don’t have anything registered to your property, and are mortgage-free, you are at risk for title fraud? I hate to say that it’s true, but it is. Don’t worry, there are several things you can do to help prevent this. Let me know if it is something you’d like to discuss and I would be happy to help. #FPM2021

I wouldn’t be who I am today without the intelligence and strength of the women in my life. Here’s to them today, and everyday. #InternationalWomensDay #mondaymotivation

Happy Sunday, everyone! A lot of people don’t feel comfortable chatting with a mortgage specialist until they are ready to purchase. Not with this guy! Whether you are two weeks, two months or two years away from buying a home, I’m here to help you, and cheer you on every step of the way. Don’t believe me? Book a consultation with me and allow me to earn your business by proving myself. Feel free to share this with your friends and family, I’d love to help them too. #sundayfunday

Happy Monday! Today is the last day to contribute to your RRSPs. Did you know that with the government's Home Buyers' Plan, you can allocate up to $35K of your RRSPs savings ($70K if you are a couple) towards your down payment on a property.... What to note: In order to qualify, the RRSP funds you're using must have been deposited for at least 90 days. You must also provide a signed agreement to buy or build a qualifying home. The withdrawal is not taxable as long as you repay it within a 15-year period.

Happy Friday! Homeowners 55+: Access the equity that already exists in your home. This tax and payment free revenue stream can exchange the quality of your life, your parents’ lives and even your grandparents lives. What does a CHIP/Reverse mortgage entail? Flexible term rates, amounts and personalized advance types... Minimum home value of $250,000, aged 55 years and over Consolidate your debt and right-size your home If you, or someone you know could benefit from this, feel free to contact me, or forward my contact details. It's just a conversation. No pressure, or commitment. Have a great weekend!

Many of my clients are working on achieving one of these goals: Being a homeowner. Upgrading to a larger property with an outdoor space for their children and family. An income property.... I help my clients develop a realistic plan to help make these visions a reality in the future. It might not happen today, or tomorrow, but without a plan, or the right approach, it may never happen. After all, a goal without a clear roadmap is just a pipe dream.