Maria Wirtz Mortgages

07/24/2026

07/15/2026

Mortgage News - July 15, 2026

06/10/2026

Mortgage News - June 10, 2026

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05/25/2026

🏡 Mortgage Tip of the Day:

Many people hear the terms qualifying rate and contract rate - but very few actually understand the difference… and it can have a major impact on how much you qualify for. 👇

✔ Contract Rate = the actual interest rate you will receive and make payments on.

✔ Qualifying Rate = the higher “stress test” rate lenders use to determine whether you can still afford your mortgage if rates rise in the future.

In other words - you may be paying one rate, but qualifying at another.

This is one of the reasons why two people with similar incomes can sometimes qualify for very different mortgage amounts depending on the lender, product structure, debts, down payment, and overall strategy.

Mortgage qualification is often much more complex than simply “getting the lowest rate.” Structure matters. Strategy matters. Details matter.

If you ever have questions about how qualification works or would like a professional review of your options, feel free to reach out anytime. 😊

04/30/2026

The Lowest Mortgage Rate Is NOT What You Want - Here’s Why

04/29/2026

Mortgage News Today - April 29, 2026.

04/29/2026

Bank of Canada Update - April 29, 2026 🇨🇦
Rate held at 2.25% 📊 - no change.

Variable rates stay the same 🔄
Fixed rates still follow the bond market 📉

We’re in a wait-and-see market 👀
Strategy matters more than timing 🎯

04/29/2026

Pre-approval shows your budget, locks your rate, and uncovers issues early -
but it’s only a starting point.

Where you get it matters.

Bank = one option.
Broker = strategy + multiple lenders.

Don’t guess. Be prepared.

📩 Message me - my services are free.
778-323-9377