Realtor Lada Abramov

05/01/2026

04/30/2026

Private Mortgage Insurance (PMI) / Mortgage Default Insurance — worth it or not?
When a buyer puts less than 20% down, lenders typically require mortgage insurance. It helps buyers enter the market with less upfront cash, but it adds cost.

Poll: If you were buying, would you prefer:

Buy sooner with 5–10% down (with PMI)
Wait and save for 20% to avoid PMI
Depends on rates + how fast prices move

Comment 1, 2, or 3 — and why.

04/29/2026

Sellers should expect statement-of-adjustment impacts from property tax prorations.
Get your records organized early so closing isn’t a scramble.
Comment “TAX CHECK” and I’ll send a seller prep list.

04/28/2026

Open vs Closed Mortgage — which would you pick?

🔓 Open mortgage: can be paid off or renegotiated anytime, typically higher rate
🔒 Closed mortgage: usually lower rate, but prepaying/breaking early can involve penalties (often has limited prepayment privileges)

Poll: What would you choose?

Open (flexibility)
Closed (lower rate)
Depends on how soon I might move

Comment 1, 2, or 3 — and if you’ve ever paid a mortgage penalty, tell me if it was worth it.

04/27/2026

A strong offer is more than a number.
Contract clarity on conditions, inclusions, and timelines protects you from preventable disputes.
Comment “REVIEW” for a step-by-step contract reading framework.

04/26/2026

Mortgage Switch — would you do it?
A mortgage switch is when you move your existing mortgage to a new lender (often to change the rate, switch fixed/variable, or adjust terms). It can help… but fees and penalties can make or break the decision.

Poll: Would you switch your mortgage if it saved you money?

Yes — always chase the best rate
Only at renewal (no penalty)
Only if savings beat all fees
No — not worth the hassle

Comment 1, 2, 3, or 4 — and if you’ve switched before, tell me how it went.

04/25/2026

Ontario buyers: budget for more than down payment.
Land Transfer Tax, legal fees, and other closing costs can shift affordability fast.
If you’re a first-time buyer, check rebate eligibility early.
Comment “LTT GUIDE” and I’ll send a practical cost planner.

04/24/2026

Mortgage Delinquency Ratio — what does it mean?
It’s the percentage of mortgages that are considered delinquent (commonly 90+ days late). Analysts watch it to understand financial pressure in the housing market.

Question: If delinquency rates rise, what do you think it leads to most often?

More listings (forced sales)
More refinancing/loan modifications
Not much impact — most owners adjust
It depends on jobs & interest rates

Comment 1, 2, 3, or 4 — and why.

04/23/2026

From our investor panel discussion:
Winning in this cycle is about discipline and risk management.
Pros are stress-testing:
• rent assumptions
• financing costs
• vacancy/maintenance buffers
• exit liquidity
Comment “DEAL FILTER” and I’ll share a practical acquisition checklist.

04/22/2026

What are Mortgage-Backed Securities (MBS)?
An MBS is an investment product made up of a bundle of home loans. Investors receive payments funded by the mortgage payments (similar to a bond).

You may hear about MBS more when interest rates are changing — because mortgage pricing is connected to broader lending markets.

Question: Do you think homebuyers should pay attention to concepts like MBS, or should they focus only on their own budget and the rate they’re offered?

Comment:

Pay attention
Ignore it
A little of both