Condos haveadditional lenderconsiderations likereserve fundsufficiency, condofees, and projectstatus that can affectapproval. Refinancing canfund renovations,debtconsolidation, oreven a child’sdown payment.Buyers canqualify withas little as5% down.Brokers can’tcompete withexclusivebankpromotions.Mortgageinsurance ratesarestandardizedacross Ontario.You canrefinance upto 100% ofyour home’svalue.Paying off yourmortgage earlyis always thebest financialmove.Variable rates cansave you money ifinterest rates drop,and you can switch toa fixed rate atanytime throughoutyour mortgage term.Brokers haveaccess tomultiplelenders, notjust one bank.In Q2 2025, condoapartment sales inthe GTA dropped20.9%year‑over‑year, andcondo townhousesdropped 20.3%.Higher LTV increasesrisk for lenders,which can lead tostricter approvalcriteria, higher rates,or mandatorymortgage insurance.Onlybuyerscare aboutappraisals.OREArepresentsnearly 150,000realtors in theprovince.Brokers areregulated byFSRA and mustact in clients’best interests.In 2021 PSRopened itsfourth officein PortCredit.A lowappraisalautomaticallyvoids themortgage.Only banksoffercompetitivemortgage ratesin Ontario.Stress testsdon’t apply ifyou’re justrenewing orrefinancing.PSR Torontoopened itsdoors in2008.Mortgagebrokers chargehigh fees ontop of yourmortgage.PSR has 7officesthroughoutOntario.Breaking amortgage earlyis alwaysextremelycostly.Buyersautomaticallyget the full pre-approvedmortgageamount.PSR was awardedthe best luxuryboutique realestate brokeragein Ontario byLuxury Lifestyle2025.Condos haveadditional lenderconsiderations likereserve fundsufficiency, condofees, and projectstatus that can affectapproval. Refinancing canfund renovations,debtconsolidation, oreven a child’sdown payment.Buyers canqualify withas little as5% down.Brokers can’tcompete withexclusivebankpromotions.Mortgageinsurance ratesarestandardizedacross Ontario.You canrefinance upto 100% ofyour home’svalue.Paying off yourmortgage earlyis always thebest financialmove.Variable rates cansave you money ifinterest rates drop,and you can switch toa fixed rate atanytime throughoutyour mortgage term.Brokers haveaccess tomultiplelenders, notjust one bank.In Q2 2025, condoapartment sales inthe GTA dropped20.9%year‑over‑year, andcondo townhousesdropped 20.3%.Higher LTV increasesrisk for lenders,which can lead tostricter approvalcriteria, higher rates,or mandatorymortgage insurance.Onlybuyerscare aboutappraisals.OREArepresentsnearly 150,000realtors in theprovince.Brokers areregulated byFSRA and mustact in clients’best interests.In 2021 PSRopened itsfourth officein PortCredit.A lowappraisalautomaticallyvoids themortgage.Only banksoffercompetitivemortgage ratesin Ontario.Stress testsdon’t apply ifyou’re justrenewing orrefinancing.PSR Torontoopened itsdoors in2008.Mortgagebrokers chargehigh fees ontop of yourmortgage.PSR has 7officesthroughoutOntario.Breaking amortgage earlyis alwaysextremelycostly.Buyersautomaticallyget the full pre-approvedmortgageamount.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. 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. Buyers can qualify with as little as 5% down.
  4. Brokers can’t compete with exclusive bank promotions.
  5. Mortgage insurance rates are standardized across Ontario.
  6. You can refinance up to 100% of your home’s value.
  7. Paying off your mortgage early is always the best financial move.
  8. Variable rates can save you money if interest rates drop, and you can switch to a fixed rate at anytime throughout your mortgage term.
  9. Brokers have access to multiple lenders, not just one bank.
  10. In Q2 2025, condo apartment sales in the GTA dropped 20.9% year‑over‑year, and condo townhouses dropped 20.3%.
  11. Higher LTV increases risk for lenders, which can lead to stricter approval criteria, higher rates, or mandatory mortgage insurance.
  12. Only buyers care about appraisals.
  13. OREA represents nearly 150,000 realtors in the province.
  14. Brokers are regulated by FSRA and must act in clients’ best interests.
  15. In 2021 PSR opened its fourth office in Port Credit.
  16. A low appraisal automatically voids the mortgage.
  17. Only banks offer competitive mortgage rates in Ontario.
  18. Stress tests don’t apply if you’re just renewing or refinancing.
  19. PSR Toronto opened its doors in 2008.
  20. Mortgage brokers charge high fees on top of your mortgage.
  21. PSR has 7 offices throughout Ontario.
  22. Breaking a mortgage early is always extremely costly.
  23. Buyers automatically get the full pre-approved mortgage amount.
  24. PSR was awarded the best luxury boutique real estate brokerage in Ontario by Luxury Lifestyle 2025.