Mortgage Blog
A personal approach to matching person to product
Self-Employed? Why Your Bank Statements are Your Best Friend in 2026
January 1, 2026 | Posted by: Sarita Free
If you run a small business in Simcoe, Delhi, or Waterford, you know the 'Sole Proprietor Struggle.' Your business is thriving, your bank account is healthy, and you’re a pillar of the Norfolk C ...
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The Downsizing Myth: Why Seniors are Choosing to 'Stay and Play' in 2026
January 1, 2026 | Posted by: Sarita Free
For decades, the retirement 'playbook' in Norfolk County was simple: sell the big family home in Simcoe, buy a smaller bungalow or a condo in Port Dover, and pocket the difference for your retirement ...
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The 2026 First-Time Buyer’s Guide to Simcoe: Schools, Subdivisions, and Smarter Mortgages
January 1, 2026 | Posted by: Sarita Free
If you’re a Gen Z or Millennial buyer looking at the 2026 Ontario real estate market, you’ve likely heard the same old story: 'It’s too expensive.' But here in Simcoe, the narrative ...
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Hobby Farms & Acreage: Why Your 'City Bank' is Failing Your Norfolk Dream
January 1, 2026 | Posted by: Sarita Free
So, you’ve found it—that perfect 2-acre plot just outside Delhi with a charming century home, a healthy well, and maybe even a small barn for a couple of goats. It’s the Norfolk Coun ...
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The 2026 Renewal Shock: How to Turn Your Mortgage Renewal into a 'Financial Reset'
January 1, 2026 | Posted by: Sarita Free
If you purchased or refinanced your home in Simcoe, Port Dover, or Waterford back in 2021, you likely enjoyed one of the lowest interest rates in Canadian history—somewhere in the 1.8% to 2.1% r ...
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The Dangers of Mortgage Agent/Brokers Pushing Exclusivity Contracts: A Pledge to Uphold Client Freedom
October 5, 2023 | Posted by: Sarita Free
In the realm of real estate and mortgages, transparency, trust, and client-centric approaches should always be at the forefront. Unfortunately, some mortgage brokers try to secure their interests by p ...
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Top 10 places to visit in Norfolk County, Ontario
April 5, 2023 | Posted by: Sarita Free
Norfolk County is a hidden gem in Southern Ontario, offering a mix of stunning natural beauty and charming small-town culture. Here are the top ten places to visit in Norfolk County that you won't wan ...
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Best Mortgage Agent in Norfolk County!
September 16, 2022 | Posted by: Sarita Free
According to a vote by the Simcoe Reformer, I was voted the Best Mortgage Agent in Norfolk County, Ontario 2022!Thank you to my lovely clients who have trusted me with their mortgage refinances, new h ...
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A look at how rate increases impact different mortgage types
September 14, 2022 | Posted by: Sarita Free
With inflation at its highest level in almost 40 years, the Bank of Canada continues to take drastic action to cool the economy with the latest of five consecutive rate increases announced on Septembe ...
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Should You Spend the Full Mortgage Amount You're Approved For?
October 15, 2020 | Posted by: Sarita Free
Before you start shopping for a new home, you'll need to know exactly how much house you can afford. Otherwise, you could end up in a home that is way out of your budget. What you qualify for may not ...
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