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

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