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

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