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

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