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TMG The Mortgage Group (Ontario) Inc.
Meet Rose Romita
Your Expert Mortgage Consultant with a Community Focus
Rose Romita brings over 30 years of community engagement experience and a deep commitment to local development. In 2016, she expanded her professional expertise to the mortgage industry, specializing in managing complex and challenging mortgage cases. Her extensive background in community service enriches her approach to mortgage consulting, enabling her to offer personalized and effective solutions to individuals and families navigating the mortgage process. Rose excels in addressing unique financial situations and simplifying the complexities of home financing. For expert mortgage assistance or advice, Rose Romita is ready to provide professional support with a commitment to excellence and client satisfaction. Your continued trust and partnership are valued as Rose strives to both enhance the community and assist clients in securing their dream homes with confidence and ease.
  • Expertise
    I will provide you independent expert advice on your financial options. I am not tied to a specific lender or products so I can offer you mortgage products that will best match your specific needs.
  • Save you time with one-stop shopping
    Instead of spending your valuable time meeting with competing mortgage lenders, I can quickly narrow down the list of lenders that will help you achieve your financial goals. I will make your comparison-shopping fast, easy, and convenient.
  • No charge to you
    There's absolutely no charge for my services on typical residential mortgage transactions. Like many other professional services, such as insurance, mortgage brokers are paid a finder's fee when we introduce dependable clients to a financial institution.
Why Should You Use My Services?

Access to multiple lenders: As a Mortgage broker I work with a variety of lenders, including banks, credit unions, and private lenders. This gives you access to a wider range of mortgage products and interest rates than if you were to approach just one lender directly.

Expertise and guidance: I will provide expert advice tailored to your financial situation and goals. I can help you understand the different types of mortgages available, explain complex terms and conditions, and guide you through the entire mortgage process.

Save time and effort: Instead of contacting multiple lenders yourself and filling out numerous applications, I can do the legwork for you. Shop around on your behalf, comparing rates and terms to find the best mortgage options for your needs.

Negotiation power: I have established relationships with lenders, which can give me leverage to negotiate better terms on your behalf. I may be able to secure lower interest rates or reduced fees that you wouldn't be able to obtain on your own.

Convenience:I can offer flexible appointment times, including evenings and weekends, to accommodate your schedule. I also handle much of the paperwork and administrative tasks involved in the mortgage process, saving you time and hassle.

Personalized service: I will work closely with you to understand your unique financial situation and goals. I offer personalized advice and solutions tailored to your needs, whether you're a first-time homebuyer, refinancing an existing mortgage, or buying an investment property.

Think Outside the Branch for Your Mortgage
New Mortgage
Need a new mortgage? I'll help you pick the right fit for you and your budget.
When it comes time to renew your mortgage, I'll help you review your options and make the renewal process simple and easy.
Sometimes, refinancing is your best option for a variety of reasons. Let me review your options and do the hard work for you!
Get started with your application now!
I'm here to help with your mortgage needs, refinancing, new home purchases or mortgage renewals.
Types of Mortgages

A fixed mortgage offers you the security of locking in your interest rate for the term of your mortgage, so you know exactly how much principal and interest you will be paying on the mortgage during the term. Terms range from 6 months to 10 years. Fixed rate mortgages offer some form of pre-payment, from 10% to 25% of the original mortgage balance each year, depending on the lender. If you wish to pay off your mortgage in full, there will be a penalty of either 3 months simple interest, or an Interest Rate Differential (IRD). The benefit of this mortgage is the rate is lower than an open mortgage, making it a more popular option if you have no plans to pre-pay it in full during the term you select.

A variable-rate mortgage allows you to take advantage of today's low Prime Rate. Most variable rate products are set below prime, terms range from 1 to 5 years. Payments vary depending on the product or lender you choose. In some cases you can fix your payments for up to 5 years, but the interest rate will fluctuate as the Bank Prime Rate changes. In other cases your monthly payments will fluctuate depending on how many times the Prime Rate changes during your term.

An open mortgage allows you the flexibility to pay off some or the entire mortgage at any time, without penalty. Interest rates are usually higher and are tied to the Bank's Prime Rate.

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 Rates, Today
Because I work with a wide variety of lenders I can access competitive, lower-than-advertised interest rates. Check back often to see how these rates compare to average bank rates.
How Much Can You Afford?
Use this mortgage calculator to help you figure things out
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Contact me! Let's get started today!

Get in touch with me today for your free consultation!

Whether you're looking for a first mortgage, refinancing your current home, or just researching your options, I'm here to help.