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

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