RENÉE MASINI MORTGAGES SERVICES
think outside the branch for your mortgage
RENÉE MASINI
For me, it’s about more than
securing financing
Powered By: TMG The Mortgage Group
Mortgage Agent Ontario License M21003977
Ontario Brokerage License #10315
My work is driven by three core principles: transparency, empowerment, and exceptional customer service. I am committed to ensuring that my clients are thoroughly informed about all their options, feel empowered through the knowledge I share, and experience a seamless and enjoyable process from start to finish.
10
years of
experience
500+
satisfied
clients
25+
trusted
partners
72
lending
partners
CHOOSE RENÉE MASINI
you can expect more
What sets me apart is not just my extensive network of lenders and exceptional client service, but also my deep commitment to the community. With a wealth of experience, from working with lenders to serving as an Area Vice President at a national brokerage, I possess unique expertise and insight to the mortgage process. I leverage this to ensure seamless transactions while providing comprehensive education and guidance to my clients throughout their journey.
I will negotiate on your behalf. Many people are uncertain or uncomfortable negotiating mortgages directly with their bank. And even if you have an existing relationship with your branch, TMG does millions of dollars of transactions yearly with a wide variety of lending institutions so we have strong lender relationships. I can use that relationship to your advantage to negotiate your mortgage to ensure you secure competitive rates and terms that benefit you.
I will also ensure that you’re getting the best rates and terms. Even if you’ve already been pre-approved for a mortgage by your bank or another financial institution, you’re not obliged to stop shopping! I can investigate on your behalf to see if there is an alternative to better suit your needs.
Do you know about mortgage customization? All mortgages are not created equally, and depending on your financial goals, I will ensure the mortgage you receive helps you with those goals. Whether borrowing to purchase, renovate, or make your mortgage interest tax deductible, I can ensure that the mortgage you have helps achieve these financial goals.
AFFORDABLE MORTGAGES
mortgage solutions
first -time home buyers
Embarking on your first home purchase is an exciting milestone, but the multitude of mortgage options in Ontario can be overwhelming. Fortunately, there are excellent programs available to assist first-time buyers, including tax rebates and other financial aids. As your mortgage advisor, I am here to simplify the process and help you identify the mortgage that best suits your needs.
mortgages for seniors
Looking into mortgages after 65 opens up opportunities for financial flexibility. With home equity, you have various options, some without needing proof of income. Remember, standard lending rules still apply, which might change the mortgage types available to you. Consider a reverse mortgage to access your home's equity for extra monthly cash without moving out.
front -line mortgages
The Front-Line Mortgages section is dedicated to those who serve on the front lines, offering specialized mortgage options to recognize their contributions. This program aims to make homeownership more attainable and affordable for first responders, healthcare workers, and other essential service providers.
credit solutions
Consolidating debt can be an effective solution for improving your credit. By combining multiple debts into a single, manageable payment, you can reduce interest rates and simplify your finances. This approach can help you pay down debt more efficiently and boost your credit score. Discover how debt consolidation can enhance your financial stability with our expert guidance.
fixed mortgages
A fixed mortgage offers the stability of a constant interest rate throughout the term of your loan, ensuring that your monthly payments remain unchanged. This makes budgeting simpler because you’ll know exactly what you owe each month, without any surprises from interest rate fluctuations. Fixed mortgages are ideal for those who prefer predictability in their financial planning, providing a secure way to manage your home financing over a set period of time. Whether you’re a first-time homebuyer or looking to refinance, a fixed mortgage can offer peace of mind and straightforward financial management.
variable mortgages
A variable mortgage features an interest rate that can change based on market conditions, typically tied to the lender’s prime rate. This means your monthly payments can fluctuate over the term of your loan. While this might introduce some uncertainty compared to fixed-rate mortgages, variable mortgages often start with lower interest rates. They can be a good choice if you're seeking potentially lower costs and are comfortable with the possibility of rate increases. For those who can manage the risk of rate changes, a variable mortgage could provide significant savings if interest rates remain stable or decline over time.
open mortgages
An open mortgage offers the flexibility to pay off your loan in full or in part at any time without incurring penalties. This type of mortgage is ideal for those who anticipate receiving lump sums of money—such as bonuses or inheritances—that can be used to pay down the mortgage sooner. While open mortgages typically have higher interest rates than closed mortgages, the lack of prepayment restrictions allows you to reduce interest costs over the long term by making extra payments whenever financially feasible. This option is particularly appealing for borrowers seeking the freedom to manage their mortgage on their own terms, allowing for faster equity building and debt reduction.
Line of Credit
A secured line-of-credit allows you to access the equity in your home whenever you choose. Rates are tied to prime, usually slightly above prime. Required payment on the balance is interest only, making it a good choice where cash flow may be important. Lower interest rates compared to an unsecured line of credit. You may have a secured line of credit and a mortgage, if you have good equity in your home.
the mortgage process
01
Fill Out the Application Form
Click on “Apply Now” and start filling out the application form with your personal and financial details. The more accurate and complete your information, the better we can help you.
02
Upload Required Documents
If the application asks for specific documents, upload them through our secure portal. This could include things like your proof of income, job verification, or a copy of your ID.
03
Choose Your Mortgage
Compare offers and lender services to ensure they align with your financial goals. - missing another line
04
Completing the Process
After you accept your mortgage, there are just a few more steps to complete, like final verifications. Your advisor will guide you through these, ensuring everything is clear and straightforward.
CLIENT TESTIMONIALS
what my clients are saying…
Renee was amazing for us. We didn’t know much about buying a home for the first time, but she got us a good deal and explained everything clearly. She made it all seem easy. Definitely recommend her!
Emma L.
Renee was amazing for us. We didn’t know much about buying a home for the first time, but she got us a good deal and explained everything clearly. She made it all seem easy. Definitely recommend her!
Michael T.