The Mortgage Centre-Hometown Financial

5 Star Review by G. Whittaker I have dealt with Penny for many years now. She is both very professional and personable to deal with. I have always felt confident that she was taking care of my mortgage needs in a manner best suited for me, working hard to get the best rates. I highly recommend her. Penny and her team offers a service that no individual bank can offer you - Rate Shopping. And guess what... it costs you NOTHING, and saves you lots in interest!!!!

5 Star Review by D. Goldshtein Penny was incredibly helpful in helping us find and finalize the best mortgage for our new home. As first time home buyers, we were unfamiliar with the process and what to expectPenny guided us through and supported us with each decision we needed to make. Penny went above and beyond to provide us with additional information, and build out scenarios for us, so we could see what our choices would look like. Penny was very responsive and communicated very effectively with our realtor, lawyer, and third-party groups involved in the process. I can't imagine having gone through the home purchasing process with anyone else; I'm so glad we got to work with Penny, and I absolutely recommend her insight, skills, and services to anyone considering working with her and her team!

May the luck of the Irish be with you today! Happy St. Patty's Day everyone!

5 Star Review by V. Bitar Penny went above and beyond to find us a mortgage to suit our needs for our rental property. There was a lot of back and forth as this was not our first property and obtaining financing again was a more complex process for us. She must’ve had an email from me every day or a few a day actually as the time approached with questions! She was always there to respond and take action with the banks ASAP when needed. She is our forever mortgage broker for our homes. Thanks Penny!

5 Star Review by G. Whitaker "I have dealt with Penny for many years now. She is both very professional and personable to deal with. I have always felt confident that she was taking care of my mortgage needs in a manner best suited for me, working hard to get the best rates. I highly recommend her. Penny and her team offers a service that no individual bank can offer you - Rate Shopping. And guess what... it costs you NOTHING, and saves you lots in interest!!!!"

5 Star Review by K. Hahn Working with Penny was an absolute pleasure. She was very knowledgeable and so prompt about answering emails and all of the million questions we had no matter how much clarification I needed. We never had to wait for answers even during the chaos of covid. I highly recommend Penny for anyone looking for fantastic, friendly and professional service!

Reviewed by Abdul-Aziz Y. Very knowledgeable and responsive. My questions were answered promptly and I felt very comfortable dealing with Penny. I will definitely send some referrals your way.

There is actually a lot more to your mortgage contract than just the rate and monthly fees. Sometimes rate isn't everything! Check out this cool article to learn more: https://1l.ink/L6V7VMM

Looking to sell your home but wondering if a real estate agent is really needed? Check out this cool link for some great information! https://www.thebalance.com/top-reasons-to-hire-a-real-estat

Welcome December with these cute decorating tips! https://1l.ink/5VG5NH2

Are you taking control of your money? Call us today to help get and stay on the right track!

No Down payment? One of my Top Lenders is offering a mortgage to help people who can't save up for their down payment still be able to get the keys to a home they can call their own. The Flexible Down Payment program allows home buyers to use existing credit facilities as their down payment. DETAILS: Minimum 650+ credit score... Minimum 2 years history reporting on Credit Bureau Sources of Down Payment: Line of Credit, Credit Card, Personal Loan Include borrowed DP in the debt servicing of the deal. Ex: Unsecured LOC at 3%, Credit Card at 3%, store brand Credit Card at 5%, Personal Loan at actual payments. No late payments in the past 36 months High Ratio Deals only. 90.01-95% LTV 25 year amortization Strong Employment History No previous bankruptcy or consumer proposal. PM FOR A PREAPPROVAL :) See more

As Canadian mortgage holders and prospective home buyers will have noticed over the past decade, bad news has been good for interest rates. Good news has the opposite effect. https://www.cbc.ca//vaccine-markets-interest-rates-1.57956

How "stitious" are you? Just a little Friday Funny to keep spirits up on this spooky Friday the 13th Stay safe out there folks!

CONTEST TIME WIN $100 CASH! With Thanksgiving coming up we want to show how THANKFUL we are for all of you! Enter for your chance to win $100 cash prize! Contest will run from October 1st to October 15th. To enter you must: 1. Comment your funniest thanksgiving memory and tag 2 people 2. Share this post 3. Like our Facebook Page ... GOOD LUCK! ** Winner will be randomly selected and announced on October 19th **

First-time homebuyers are often on a tight budget, where every dollar is carefully accounted for. Yet, many report confusion when told how much money to bring to their lawyer’s office to complete their home purchase. It’s often thousands more than they expected. Why is that? And how can you better prepare yourself?

Rate Update! For the third time in recent months, The Bank of Canada has dropped the benchmark mortgage rate! What does this mean for you? The potential for more buying power! Want to Review your numbers? Call today!

Rates are at an all time low! Call us today for a mortgage check up to see if we can save you money 705-734-6804

It's official! 3 months has changed so much - the housing market feels it too.

Are you ready to buy a home - but don't have as much saved up for a down payment?! Let's chat!

Looking to buy in Kitchener / Waterloo? Unsure of the neighbourhoods and where you want to be? Check this out!

Ask me about our quick and easy Equity loans. No appraisal, legals or income verification!!!

Always happy to hear feedback from our clients! This is why we do what we do!

HAPPY CANADA DAY How are you celebrating this wonderful country?

Check out the real estate summer trend! Keep up to date on all the real estate news - thinking of buying? Give us a call today and lets chat :)

Thinking of buying a home, but don't have enough saved for a Downpayment? Be like Mr. P and Ms. M and give us a call!