Terms and Disclaimers

All content on this website is provided for general educational purposes only. It is not personalized advice, and it does not constitute legal advice, tax advice, investment advice, or financial-planning advice. For advice specific to your situation, please consult the appropriate licensed professional, such as a lawyer or accountant.

Nothing on this website is a mortgage approval, a commitment to lend, or a guarantee of financing, rates, or terms. Mortgage qualification depends on lender review of your complete application, including document verification, credit review, and property details. Mortgage products, rates, and lender policies may change without notice.

A pre-qualification is an initial estimate based on the information provided. It is not a mortgage approval, lender commitment, or guarantee of financing. Final approval is subject to document verification, credit review, property details, lender policies, and other applicable conditions.

Real estate investing involves risk. Property values can go down as well as up, rental income is not guaranteed, and carrying costs can change. Nothing on this website should be read as a promise of investment returns, property appreciation, or wealth.

This website links to external services, including a pre-qualification application, a newsletter platform, and social media platforms. Those sites are operated by third parties, and we are not responsible for their content, availability, or policies.

We work to keep the information on this website accurate and current, but we make no warranty that it is complete, up to date, or error-free. Mortgage rules, lender guidelines, and market conditions change frequently.

Vine Group Mortgage Brokerage Lic. #512011 · Rosalee Maquinay, Mortgage Associate · Licence #: 513785

555 Bloor Street E, Toronto, ON M4W 1J1

“The Mortgage Pinay” is a tagline of Rosalee Maquinay and is not a licensed entity or company name. Mortgage brokerage services are provided through Vine Group Mortgage Brokerage.

I help Filipino families across Canada understand mortgage options and make informed decisions. The availability of regulated mortgage services, products, and lenders may depend on location, licensing, brokerage arrangements, lender guidelines, and individual circumstances.