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

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