Condos haveadditional lenderconsiderations likereserve fundsufficiency, condofees, and projectstatus that can affectapproval. Refinancing canfund renovations,debtconsolidation, oreven a child’sdown payment.Paying off yourmortgage earlyis always thebest financialmove.A lowappraisalautomaticallyvoids themortgage.PSR Torontoopened itsdoors in2008.Variable rates cansave you money ifinterest rates drop,and you can switch toa fixed rate atanytime throughoutyour mortgage term.Mortgageinsurance ratesarestandardizedacross Ontario.PSR has 7officesthroughoutOntario.Onlybuyerscare aboutappraisals.Stress testsdon’t apply ifyou’re justrenewing orrefinancing.Buyers canqualify withas little as5% down.PSR was awardedthe best luxuryboutique realestate brokeragein Ontario byLuxury Lifestyle2025.Buyersautomaticallyget the full pre-approvedmortgageamount.Only banksoffercompetitivemortgage ratesin Ontario.In 2021 PSRopened itsfourth officein PortCredit.Brokers haveaccess tomultiplelenders, notjust one bank.You canrefinance upto 100% ofyour home’svalue.Higher LTV increasesrisk for lenders,which can lead tostricter approvalcriteria, higher rates,or mandatorymortgage insurance.Mortgagebrokers chargehigh fees ontop of yourmortgage.In Q2 2025, condoapartment sales inthe GTA dropped20.9%year‑over‑year, andcondo townhousesdropped 20.3%.OREArepresentsnearly 150,000realtors in theprovince.Brokers can’tcompete withexclusivebankpromotions.Breaking amortgage earlyis alwaysextremelycostly.Brokers areregulated byFSRA and mustact in clients’best interests.Condos haveadditional lenderconsiderations likereserve fundsufficiency, condofees, and projectstatus that can affectapproval. Refinancing canfund renovations,debtconsolidation, oreven a child’sdown payment.Paying off yourmortgage earlyis always thebest financialmove.A lowappraisalautomaticallyvoids themortgage.PSR Torontoopened itsdoors in2008.Variable rates cansave you money ifinterest rates drop,and you can switch toa fixed rate atanytime throughoutyour mortgage term.Mortgageinsurance ratesarestandardizedacross Ontario.PSR has 7officesthroughoutOntario.Onlybuyerscare aboutappraisals.Stress testsdon’t apply ifyou’re justrenewing orrefinancing.Buyers canqualify withas little as5% down.PSR was awardedthe best luxuryboutique realestate brokeragein Ontario byLuxury Lifestyle2025.Buyersautomaticallyget the full pre-approvedmortgageamount.Only banksoffercompetitivemortgage ratesin Ontario.In 2021 PSRopened itsfourth officein PortCredit.Brokers haveaccess tomultiplelenders, notjust one bank.You canrefinance upto 100% ofyour home’svalue.Higher LTV increasesrisk for lenders,which can lead tostricter approvalcriteria, higher rates,or mandatorymortgage insurance.Mortgagebrokers chargehigh fees ontop of yourmortgage.In Q2 2025, condoapartment sales inthe GTA dropped20.9%year‑over‑year, andcondo townhousesdropped 20.3%.OREArepresentsnearly 150,000realtors in theprovince.Brokers can’tcompete withexclusivebankpromotions.Breaking amortgage earlyis alwaysextremelycostly.Brokers areregulated byFSRA and mustact in clients’best interests.

Keys & Closings Bingo - Call List

(Print) Use this randomly generated list as your call list when playing the game. There is no need to say the BINGO column name. Place some kind of mark (like an X, a checkmark, a dot, tally mark, etc) on each cell as you announce it, to keep track. You can also cut out each item, place them in a bag and pull words from the bag.


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  1. Condos have additional lender considerations like reserve fund sufficiency, condo fees, and project status that can affect approval.
  2. Refinancing can fund renovations, debt consolidation, or even a child’s down payment.
  3. Paying off your mortgage early is always the best financial move.
  4. A low appraisal automatically voids the mortgage.
  5. PSR Toronto opened its doors in 2008.
  6. Variable rates can save you money if interest rates drop, and you can switch to a fixed rate at anytime throughout your mortgage term.
  7. Mortgage insurance rates are standardized across Ontario.
  8. PSR has 7 offices throughout Ontario.
  9. Only buyers care about appraisals.
  10. Stress tests don’t apply if you’re just renewing or refinancing.
  11. Buyers can qualify with as little as 5% down.
  12. PSR was awarded the best luxury boutique real estate brokerage in Ontario by Luxury Lifestyle 2025.
  13. Buyers automatically get the full pre-approved mortgage amount.
  14. Only banks offer competitive mortgage rates in Ontario.
  15. In 2021 PSR opened its fourth office in Port Credit.
  16. Brokers have access to multiple lenders, not just one bank.
  17. You can refinance up to 100% of your home’s value.
  18. Higher LTV increases risk for lenders, which can lead to stricter approval criteria, higher rates, or mandatory mortgage insurance.
  19. Mortgage brokers charge high fees on top of your mortgage.
  20. In Q2 2025, condo apartment sales in the GTA dropped 20.9% year‑over‑year, and condo townhouses dropped 20.3%.
  21. OREA represents nearly 150,000 realtors in the province.
  22. Brokers can’t compete with exclusive bank promotions.
  23. Breaking a mortgage early is always extremely costly.
  24. Brokers are regulated by FSRA and must act in clients’ best interests.