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——=_NextPart_000_066E_01DCB56B.389577C0
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Hi Justin,
=20
I am just following up in order for me to update your application in =
order
that I can send out your deal to obtain some mortgage approval options.
=20
=20
Bob Woods C.F.P.
Mortgage Broker FSCO # M08006027
360 Guelph Street
Georgetown ON
www.bobwoods.ca =20
Tel (905) 877-1490
Fax (905) 877-7618
=20
FSRA # 10259
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Internet email is not guaranteed to be secure or error free. Messages =
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=E2=80=98Remove=E2=80=99
=20
=20
=20
=20
From: Bob Woods (905) 877-1490 [mailto:bob@bobwoods.ca]=20
Sent: March 12, 2026 11:00 AM
To: ‘Justin Costa’
Subject: RE: Mortgage Renewal Options
=20
Hi Justin & Rachael,
=20
I have pulled your file from archived and understand why RMG are =
offering
you the rate they are=E2=80=A6 When your mortgage was put in place, it =
was
amortized over 30yrs. This makes the mortgage =
=E2=80=98uninsurable=E2=80=99 for the bank,
so they have to put this mortgage in the uninsurable basket which =
carries a
higher interest rate. The way to get around this, is to move the =
mortgage
to another lender that will accept your mortgage as =
=E2=80=98insurable=E2=80=99 due to the
remaining amortization being 25yrs. (RMG can=E2=80=99t do that, as your =
mortgage
must remain in their =E2=80=98uninsurable=E2=80=99 basket)
=20
Staying with a Variable Rate mortgage (which I think is still a good =
thing)
on a no-fee transfer, I should be able to get you Prime – .85% =
(currently
3.60%)
=20
Can one of you give me a call (905) 877-1490 so I can update the =
information
on your old mortgage and let=E2=80=99s get something on paper prior to =
the maturity
date of May 7th. =20
=20
You should also start gathering the following in order to do the =
transfer:
=20
Employment letters for both of you along with a recent pay stub for =
each.
If your hours vary, the lender will ask to see your 2024 & 2025 T-4 slip =
so
we can take a 2yr average.
Your most recent Property Tax Statement from the municipality
Proof that you have home insurance (a copy of the paperwork from your
insurance company) This way they can make the change to be named as the =
new
lender on your policy should there be an insurance claim.
=20
=20
Bob Woods C.F.P.
Mortgage Broker FSCO # M08006027
360 Guelph Street
Georgetown ON
www.bobwoods.ca =20
Tel (905) 877-1490
Fax (905) 877-7618
=20
FSRA # 10259
AB_Email Signature Graphic-CA-01_small
“This email is confidential. If you are not the intended recipient, =
please
notify the sender by return email and delete this message and any =
copies.
Internet email is not guaranteed to be secure or error free. Messages =
could
be intercepted, corrupted, lost or arrive late.”
To be removed from this mailing, please click the link
and in the subject line type =
=E2=80=98Remove=E2=80=99
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From: Justin Costa [mailto:justin.n.costa@gmail.com]=20
Sent: March 11, 2026 11:04 AM
To: bob@bobwoods.ca
Subject: Mortgage Renewal Options
=20
Good morning Bob,
=20
We received your letter mail to schedule a renewal appointment, as our
renewal date is approaching in the next few months.
=20
Currently our rate through RMG is 3.45% (Prime -1). I’ve researched =
their
online portal to see what rates they offer for renewal and most offers
through their software are almost 4.95%, significantly more than what we =
are
currently paying.
=20
We are wondering what competitive rates may be offered around as options =
on
their online portal seem to be offering 4.95%.
=20
Rachael and I look forward to hearing from you.
=20
Justin Costa
——=_NextPart_000_066E_01DCB56B.389577C0
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