TMG The Mortgage Group (Ontario) Inc.
Hi, I'm Gina Monaco and I'm here to help you with your mortgage
Let me sweat the details so you don't have to
Whether you're purchasing a home, refinancing, renewing, or considering an equity takeout, you should be confident about your finance decisions. I offer valuable insight throughout the process, save you time and find the mortgage that best suits your personal situation.
  • Expertise
    I offer independent expert advice on your financial options. Because I'm not tied to a specific lender or products, I can offer you mortgage products that best match your specific needs.
  • Save time with one-stop shopping
    Don't spend valuable time meeting with competing mortgage lenders. I can quickly narrow down the list of lenders who will help you achieve your financial goals. It's 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.
I will negotiate on your behalf. Many people are uncertain or uncomfortable negotiating mortgages directly with their bank. And even if you have an existing relationship with your branch, TMG does millions of dollars of transactions yearly with a wide variety of lending institutions so we have strong lender relationships. I can use that relationship to your advantage to negotiate your mortgage to ensure you secure competitive rates and terms that benefit you.
I will also ensure that you're getting the best rates and terms. Even if you've already been pre-approved for a mortgage by your bank or another financial institution, you're not obliged to stop shopping! I can investigate on your behalf to see if there is an alternative to better suit your needs.
Do you know about mortgage customization? All mortgages are not created equally, and depending on your financial goals, I will ensure the mortgage you receive helps you with those goals. Whether borrowing to purchase, renovate, or make your mortgage interest tax deductible, I can ensure that the mortgage you have helps achieve these financial goals.
I also offer the following services
Purchase Financing
Buying a home is one of the biggest financial transactions you will make. Don’t go it alone! As a mortgage professional, I have helped many first-time home buyers and move-up buyers go through the process. I will share my experience and knowledge so you can make informed decisions every step along the way, from the moment you decide to buy your home to the moment you move in.
Refinance & Renewal
It’s always a good time to think about your finances and your mortgage, especially if you’re carrying debt and are sitting with equity in your home. With credit card interest rates often pushing the 20% range, and mortgage rates hovering around 2.79 % for a five-year fixed rate, refinancing becomes an attractive option. If your mortgage is up for renewal, paying off high-interest debts may be a smart thing to do. Like all financial decisions, you need to look at the bigger picture, which includes reviewing your goals.
Reverse Mortgages
A reverse mortgage is a loan secured against the value of your home. However, unlike a traditional first mortgage, a Home Equity Line of Credit (HELOC) or a second mortgage, you are not required to make monthly mortgage payments for as long as you live in your home. And, you will maintain ownership and control of your home. There are no income requirements. There are guidelines and criteria that have to be met. It may not be the solution for everyone but it's an option to consider.
Get started with your application now!
I'm here to help with your mortgage, whether buying a new refinancing or renewing a mortgage.
The Rates, Today
I work with a wide variety of lenders and can access competitive, lower-than-advertised interest rates. Check back often for updates.
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My Mortgage Blog — Latest Posts
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Earlier this year, the Canada Mortgage and Housing Corporation made a now-infamous prediction that home prices would fall by up to 18% over the course of 2020 and into 2021. Instead, prices...
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This year has seen a rise in the number of homeowners who are considering refinancing their mortgage. Approximately 20% of Canadian homeowners say they plan to refinance their mortgage in the next...
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According to many forecasts from earlier this year, Canadian home prices should have fallen anywhere from 5% to 20% from pre-pandemic levels by now. On the contrary, average prices are up...
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Fixed or Variable in These Unusual Times?
Fixed or variable—it’s the classic rate decision many mortgage shoppers are faced with. And it’s only been made more complicated since the start of the pandemic. Towards the latter half of 2019,...
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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.