PSR was awardedthe best luxuryboutique realestate brokeragein Ontario byLuxury Lifestyle2025.In Q2 2025, condoapartment sales inthe GTA dropped20.9%year‑over‑year, andcondo townhousesdropped 20.3%.Brokers areregulated byFSRA and mustact in clients’best interests.You canrefinance upto 100% ofyour home’svalue.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. PSR has 7officesthroughoutOntario.Mortgageinsurance ratesarestandardizedacross Ontario.Breaking amortgage earlyis alwaysextremelycostly.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.Mortgagebrokers chargehigh fees ontop of yourmortgage.A lowappraisalautomaticallyvoids themortgage.Buyersautomaticallyget the full pre-approvedmortgageamount.Brokers haveaccess tomultiplelenders, notjust one bank.In 2021 PSRopened itsfourth officein PortCredit.Paying off yourmortgage earlyis always thebest financialmove.Only banksoffercompetitivemortgage ratesin Ontario.Onlybuyerscare aboutappraisals.Buyers canqualify withas little as5% down.Brokers can’tcompete withexclusivebankpromotions.Stress testsdon’t apply ifyou’re justrenewing orrefinancing.PSR Torontoopened itsdoors in2008.OREArepresentsnearly 150,000realtors in theprovince.PSR was awardedthe best luxuryboutique realestate brokeragein Ontario byLuxury Lifestyle2025.In Q2 2025, condoapartment sales inthe GTA dropped20.9%year‑over‑year, andcondo townhousesdropped 20.3%.Brokers areregulated byFSRA and mustact in clients’best interests.You canrefinance upto 100% ofyour home’svalue.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. PSR has 7officesthroughoutOntario.Mortgageinsurance ratesarestandardizedacross Ontario.Breaking amortgage earlyis alwaysextremelycostly.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.Mortgagebrokers chargehigh fees ontop of yourmortgage.A lowappraisalautomaticallyvoids themortgage.Buyersautomaticallyget the full pre-approvedmortgageamount.Brokers haveaccess tomultiplelenders, notjust one bank.In 2021 PSRopened itsfourth officein PortCredit.Paying off yourmortgage earlyis always thebest financialmove.Only banksoffercompetitivemortgage ratesin Ontario.Onlybuyerscare aboutappraisals.Buyers canqualify withas little as5% down.Brokers can’tcompete withexclusivebankpromotions.Stress testsdon’t apply ifyou’re justrenewing orrefinancing.PSR Torontoopened itsdoors in2008.OREArepresentsnearly 150,000realtors in theprovince.

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