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 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.
How Much Can You Afford?
Use this mortgage calculator to help you figure things out
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My Mortgage Blog — Latest Posts
Will Home Ownership be a Pipedream for Gen Z?
There may be no better feeling than closing on your first home. Over the last 10 years, first time homebuyers have seen the market change dramatically, whether it’s mortgage rule changes that impact...
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An Alphabet Soup of Economic Predictions
Which is Canada most likely to experience? You’ve likely heard of analysts using letters of the alphabet to describe the potential paths for Canada’s economic recovery. Will that graph of the...
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Mortgage Insurers Making Headlines
CMHC Makes Policy Changes – Genworth & Canada Guaranty Stay Put It came as a surprise to many mortgage industry insiders when the Canada Mortgage and Housing Corporation (CMHC) announced...
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Where would you prefer to live?
As we move into Spring, and as provinces across the country begin easing restrictions, The Canadian Real Estate Association (CREA) is hopeful that home sales will start to tick up. The housing and...
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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.