Sarita Free - Mortgage Agent

Sarita Free - Mortgage Agent Mortgage agent serving Norfolk County and surrounding areas. Specializing in refinances, first time home buyers, debt consolidation & purchases.

Visit my online calendar to book a chat. My services are no cost to you. www.calendly.com/saritafree Visit my online calendar to book a chat! My services are no cost to you!

How much you can qualify for is only part of the equation. How much comfortably fits your life matters too.A thoughtful ...
08/19/2026

How much you can qualify for is only part of the equation. How much comfortably fits your life matters too.

A thoughtful mortgage plan considers more than the purchase price - including your income, existing debts, ongoing housing costs and broader financial goals.

Ready to find the number that makes sense for you? Message or give me a call today and start planning with confidence.

Personalized mortgage advice starts with understanding the person behind the application.The right mortgage looks differ...
08/12/2026

Personalized mortgage advice starts with understanding the person behind the application.

The right mortgage looks different for everyone because financial goals, budgets, lifestyles, and future plans are different too.

Whether you’re buying a home, renewing a mortgage, or refinancing, the right solution can depend on much more than the interest rate. Mortgage terms, payment options, prepayment privileges, portability, and other features can all influence how well a mortgage fits over time.

I’ll take the time to understand what you need and help you find a mortgage solution that fits your life, not someone else’s.

Message me today to explore mortgage options tailored to your goals.

08/07/2026

Did I stay up until 2am cuddling my duck, yes. He ended up falling asleep nuzzled into my hair. 🥹

But he needs a name!! Help me name him and his two duckling friends. ❤️❤️⬇️

Choosing between a fixed-rate mortgage and a variable-rate mortgage is one of the biggest decisions you’ll make when fin...
08/05/2026

Choosing between a fixed-rate mortgage and a variable-rate mortgage is one of the biggest decisions you’ll make when financing a home.

I’ll help you compare the benefits of both options, explain how each mortgage works, and determine which one best aligns with your financial goals, budget, and comfort level. The right mortgage isn’t about following the market. It’s about choosing a mortgage strategy that fits your life today and your plans for the future.

Message me today to compare fixed and variable mortgage options and find the right fit for you.

So honored and truly humbled to be named one of Canadian Mortgage Professional’s Top 50 Women of Influence for 2026.An a...
08/05/2026

So honored and truly humbled to be named one of Canadian Mortgage Professional’s Top 50 Women of Influence for 2026.

An award with my name on it is really a reflection of the extraordinary women who lifted me up along the way. Nobody gets here alone, and I have been blessed with the absolute best mentors and teammates:

To Donna Thornton , my broker owner - thank you for creating a space where I can truly grow. You support us, listen to us, and make sure we have every tool we need to succeed. You are genuinely connected to every single one of us, and having that kind of leadership is a rare gift I never want to take for granted.

To Alice McGaw Alice Friesen McGaw - my boss for over 15 years - you never held me back. You always wanted to see me succeed, grow, and do as well as you (or better!). Thank you for giving me a place to pour my love of hard work into, even when you were practically begging me to step away from my desk whether for a quiet weekend, a random Wednesday patio drink, or, you know, while I was literally in labor.

To Kristen Quesnel | MORTGAGE AGENT & crystalmmarie_ thank you for trusting me to mentor and guide you as new agents as we build something amazing together in the Norfolk and Brant markets. Your trust during a big year of change in my life means more than you know.

I know imposter syndrome can creep in for all of us, but moments like this remind me that showing up, putting in the work, and leading with heart pays off. I am so grateful, and I hope I can pass along the same inspiration to others that Donna and Alice have always given to me.

Here’s to the incredible women who build us up, keep us grounded, and push us forward! ❤️

P.S. To my mum: you are tough as nails, the most resilient woman I know, and totally insane, pretty sure that’s where I get my audacity. Love you!

Your home is more than just the place you live. It may also be one of your most valuable financial tools.If you’ve built...
07/29/2026

Your home is more than just the place you live. It may also be one of your most valuable financial tools.

If you’ve built equity in your home, I can help you explore ways to put it to work. Whether you’re planning renovations, consolidating debt, funding a major expense, or simply looking for greater financial flexibility, I’ll walk you through your options and help you find a solution that fits your goals.

Message me today to explore how your home equity could work harder for you.

Should you sign a mortgage renewal letter as soon as it shows up? I’d hold off. That letter comes from your current lend...
07/22/2026

Should you sign a mortgage renewal letter as soon as it shows up? I’d hold off. That letter comes from your current lender, and it’s built to get a quick signature, not to hand you the most competitive option out there.

A lot can shift between mortgage terms, your income, your goals, even how competitive your current lender’s rate actually is compared to everyone else. Most of the time you won’t notice any of that until the deadline is staring you down and pushing you to just sign already.

Comparing your options takes way less time than that deadline wants you to think.

Message me and let’s look at what’s out there before you sign anything.

07/22/2026

👋 PSA to all buyers: Mortgage underwriters do not possess psychic powers. If your name isn't clearly printed on the document, it does not exist to the bank.

Whether you are downloading from bank portals, employer payroll apps, or MyCRA—incomplete files will completely derail your approval timeline. And you hate it when I ask you for a document 3x.

The Golden Rules of Document Submission:
📱 No Mobile Screenshots: They are not a formal statement and rarely show all necessary information.

✍️ Leave the Sharpie Alone: Never redact your own information. If it’s blacked out, the underwriter flags it.
🇨🇦 The MyCRA Glitch: T4 downloads regularly format poorly and strip your name right off the slip. Always keep and send the original digital T4 your employer gave you (or snap a picture of it)

📄 We Need Every Page: Yes, even page 6 of 6 that only says "This page intentionally left blank." If the footer says 6 pages, the underwriter expects 6 pages.

📲Click the link in my bio to book a chat and get prequalified today! We will map out exactly what you need so your approval process is smooth.

The Bank of Canada has once again held its policy rate at 2.25%, continuing a period of stability.While today’s announce...
07/15/2026

The Bank of Canada has once again held its policy rate at 2.25%, continuing a period of stability.

While today’s announcement may not change your mortgage overnight, it’s a great opportunity to check in on your plans. Whether you’re buying a home, approaching renewal, or thinking about refinancing, understanding how this decision could affect your options can help you make informed decisions when the time is right.

Every mortgage is different, which means the impact of a rate announcement can vary from one homeowner to the next.

If you’re wondering what today’s announcement means for your mortgage, send me a message. I’d be happy to walk you through your options and answer your questions.

A new week is a great reminder that your homeownership goals don’t have to stay on the “someday” list.Whether you’re thi...
07/13/2026

A new week is a great reminder that your homeownership goals don’t have to stay on the “someday” list.

Whether you’re thinking about buying your first home or simply want to understand what your financing options look like, getting started is often easier than people expect. The sooner we have a conversation, the more time you’ll have to prepare and make informed decisions when the right opportunity comes along.

If homeownership is one of your goals, send me a message. I’d be happy to help you build a plan that’s right for you.

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Simcoe, ON

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