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

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