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

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