Maryuri Financial

Te encanta la idea de comprar… pero una “cosita” en tu perfil puede frenar la aprobación.

En Ontario vemos estos 5 errores con más frecuencia:
1) Cambiar de trabajo o dejar de trabajar antes del cierre
2) Pedir nuevos créditos (tarjetas, préstamos, “ahora pago luego”)
3) No documentar bien ingresos por autoempleo
4) No tener ahorros “claramente trazables” en estados de cuenta
5) Saltarse pagos atrasados o llegar con deudas muy cargadas

Y si eres self-employed: si tus recibos no cuadran con tus impuestos, el banco se detiene.

Si quieres evitar sustos, revisa tu situación con nosotros antes de enviar tu solicitud.

CTA: Get a Free Quote



, , , , , , and . or .

Maryuri Financial

Unlock mortgage approval without a T4
Tips for self-employed owners

If you run your own business, lenders may still be able to review your file using alternative income proof, such as:
• Notice of Assessment
• Business financial statements
• Bank statements
• Accountant-prepared documents
• Invoices and contracts

What lenders want to see:
• Consistent income
• Strong payment history
• Lower debt where possible
• Clear documentation
• A business that supports your income story

Every file is different, and the right documents can make a big difference.

If you’re self-employed and unsure where to start, send a message for a personalized mortgage assessment tailored to your business situation. We’re here to help make the process clear and manageable.

, , , , , , and . or .

Top 3 mistakes first-time buyers make in 2026:

1. Skipping mortgage pre-approval
A pre-approval gives you a clearer budget and stronger confidence when it’s time to make an offer.

2. Underestimating the true costs
Down payment is only part of the picture. Closing costs, inspections, insurance, and moving expenses can add up quickly.

3. Ignoring your credit score
Your credit can affect both your rate and your approval options. It’s worth checking early so there are no surprises.

Buying your first home should feel exciting, not overwhelming.

If you want clear, personalized mortgage guidance, contact Maryuri Herrera for support every step of the way.

Get a Free Quote
, , , , , , and . or .

Stop paying 20% interest. Refinance today and save hundreds monthly.

If you’ve been hearing that using home equity for debt consolidation is “too risky,” here’s the truth:

It can be a smart move when it’s done with the right plan.

Common misconceptions:
• You have to be in financial trouble to refinance
• Home equity can only be used one way
• Lowering your monthly payment means taking on more stress
• Banks are the only option

The reality is, a refinance can help you:
• Consolidate high-interest debt into one manageable payment
• Lower your monthly obligations
• Simplify your finances with a solution that fits your goals
• Put your home equity to work more effectively

At Maryuri Financial, we help Canadians understand their options clearly and choose the approach that makes sense for their situation.

If you’re considering debt consolidation or want to see what a refinance could do for your monthly budget, we’re here to guide you.

Get a Free Quote

, , , , , , and . or .

“Our refinance plan is based on rates that don’t exist anymore.”

When the Bank of Canada benchmark slid to about 2.25% (down from ~5.0% in June 2024), the math for fixed vs variable changed fast—and the market is pricing further cuts into 2026.

Before you sign, we recommend a quick “fixed vs variable rate check”:

Match your comfort level for rate swings to the forecasted direction.
Ask for a lender rate comparison on the exact amortization term (so you’re comparing like-for-like).

If you want, we’ll walk through your refinance options and stress-test the payment scenarios based on your goals.

Get a Free Quote



, , , , , , and . or .