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My Rates

6 Months 3.00%
1 Year 2.94%
2 Years 2.54%
3 Years 2.64%
4 Years 2.84%
5 Years 2.99%
7 Years 4.04%
10 Years 4.44%
6 Months Open 3.80%
1 Year Open 5.80%
*Rates subject to change and OAC
AGENT LICENSE ID
M09001859
BROKERAGE LICENSE ID
11621
Patricia Crisostomo Mortgage Agent

Patricia Crisostomo

Mortgage Agent


Address:
50 Ottawa Street Suite 102, Kitchener, Ontario, N2G 3S7

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It PAYS to shop around.

Many Canadian homeowners pay too much for their homes because they are not getting the best mortgage financing available in the market.

The mortgage process can be intimidating for homeowners, and some financial institutions don't make the process any easier.

But I’m here to help!

I’m a VERICO Mortgage Advisor and I’m an independent, unbiased, expert, here to help you move into a home you love.

I have access to mortgage products from over forty lenders at my fingertips and I work with you to determine the best product that will fit your immediate financial needs and future goals.

VERICO mortgage specialists are Canada’s Trusted Experts who will be with you through the life of your mortgage.

I save you money by sourcing the best products at the best rates – not only on your first mortgage but through every subsequent renewal. So whether you're buying a home, renewing your mortgage, refinancing, renovating, investing, or consolidating your debts — I’m the VERICO Mortgage Advisor who can help you get the right financing, from the right lender, at the right rate.


BLOG / NEWS Updates

Scotiabank: Canadian Home Sales (January 2025): Housing News Flash

Canada Housing Market: Trade uncertainty weighed on housing markets in January ... and this is likely to continue in the foreseeable future National housing market conditions eased significantly in January 2025 with sales declining and new listings posting a near-record monthly rise. The national MLS House Price Index stayed essentially unchanged in January. Both declining sales and sharply rising new listings contributed to cool housing resales conditions nationally from December 2024 to January 2025. Over this period sales declined -3.3%, following a -5% decline from November to December. In January 2025, sales were only 2.9% above their level in the same month of 2024. But from the CREA report, the sales decline in January came mostly from a weak performance in its last week, the period where uncertainty on the new U.S. administration tariff policy started flying high. New listings climbed 11% from December to January and their level was at an historical high, excluding the very volatile initial 12-month period of the pandemic. In terms of their monthly progression, new listings posted the second largest historical increase in January (again outside the above-mentioned pandemic period), after the one observed in February 2022 (+21.4%) when house prices were at their historical summit and just before the Bank of Canada and other central banks started hiking their policy rate. This monetary policy tightening led to the subsequent cooling in Canadas economic and housing market conditions and house prices declining. With sales declining and new listings rising, the national sales-to-new listings ratio cooled further and significantly from December to January, declining from 56.5% to 49.3% over this period. This indicator of market pressures is now below the mid-point of our estimated balanced conditions zone (of between 44.7% to 66.1%). Another indicator of national market pressures, months of inventory, also eased from December to January, increasing from 3.9 to 4.2 months over this period nationally, but was still below its long-term pre-pandemic average of 5.2 months. All provinces witnessed an increase in their months of inventory from December to January, except for Saskatchewan where it was unchanged and for Newfoundland and Labrador where it declined (from 5.5 to 4.3 months). https://www.scotiabank.com/ca/en/about/economics/economics-publications/post.other-publications.housing.housing-news-flash.february-18--2025.html

BMO Survey: Rising Cost of Living is Affecting Dating

On average, the cost of finding love can add up to $3,621 One third of couples say spending is a source of conflict in the relationship A special Valentines Day report from the BMO Real Financial Progress Index reveals 56% of Canadians say the rising cost of living is affecting dating, with many going on fewer dates and/or planning less expensive dating activities. The survey explores how concerns about the economy and personal finances have affected approaches to dating and relationships and found 42% of single Canadians admitted to adjusting their plans for a date for financial reasons. Nearly a third (30%) of single Canadians have cancelled a date to save money. Canadians on average spend $173 for each date, including the cost for transportation, preparation such as grooming and attire, and expenses such as food, beverages and tickets. On average, partnered Canadians have gone on 10 to 21 dates before committing to a relationship, suggesting Canadians could spend up to $3,621 on dates before making a relationship official. https://newsroom.bmo.com/2025-02-06-BMO-Survey-Rising-Cost-of-Living-is-Affecting-Dating

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