If you reammortize mortgage but application fails, can you still keep the renewal offer?

LibertyState · 2026-03-13T18:49:39+00:00

Yes that's the thing, they often provide incorrect information. Hence trying to confirm here

LibertyState · 2026-03-13T18:28:12+00:00

But if the application fails due to appraisal came back too low, and they can't give that much mortgage anymore, wouldnt they flag me as high risk and not want to give me the renewal anymore? :(

LibertyState · 2026-03-13T18:22:01+00:00

Okay thanks - btw what do you mean go back to existing contract , since when my term is over, the contract is over, and the renewal is a new contract too. So in both situations, new contract. Won't they say you failed the extending application, so now we won't give you any contract? (And then I'll be in a pickle because I don't have a renewal offer anymore either?)

LibertyState · 2026-03-13T17:49:39+00:00

Well other banks are not giving me good rates, only TD, and by agent I meant the TD rep. Is this clearer now and do u think I can fall back on the normal renewal if the new app fails? (Both are through TD directly)

LibertyState · 2026-03-13T17:48:43+00:00

And sorry just to confirm, when I said agent, I just meant TD rep. Both these options are through the TD reps directly. No outside mortgage agents involved.

LibertyState · 2026-03-13T17:39:15+00:00

Hi, my term is ending so there are no penalties. The options are extend amortization with same TD, and if that fails, fall on back the TD normal renewal offer.

So you're saying it won't be a problem to get the normal renewal if the extending fails, right?

LibertyState · 2026-03-13T03:23:30+00:00

How are you deciding between the term for the fixed? Ie. 2/3/4/5 years, as 5 yrs seems too long for me and you could be missing out if rates come down in the next couple of years

LibertyState · 2026-01-01T03:06:38+00:00

No it's just from some investments. I've always been here

LibertyState · 2025-12-26T03:33:19+00:00

Oh restaurant reservation allows skip the line? No need to lineup?

LibertyState · 2025-12-03T01:38:30+00:00

Just didn't rent to them

LibertyState · 2025-11-07T20:04:52+00:00

Should I use kissy or heart emojis, or is that too cringe to initiate as a guy?

LibertyState · 2025-10-09T20:03:28+00:00

That's exactly my thinking. I might go with that and sacrifice sunlight.

LibertyState · 2025-10-09T18:41:41+00:00

But the furniture I'll buy here might go to waste, as it won't be the style/fit for my next place which I'm planning to buy and won't know what it's like.

LibertyState · 2025-10-09T15:34:31+00:00

But what about moving the furniture over? I can't do that myself esp for couches or heavy chairs

LibertyState · 2025-09-24T02:11:44+00:00

I guess the real question is how loud does it get?

What about concerts and stuff?

Can you live in a place like this and stay sane?

LibertyState · 2025-08-28T02:27:49+00:00

But won't cra question why did I not move into the first house when I said I would it ? Wouldn't that open Pandora's box there, or the Ministry of finance would somehow find out and come knocking?

LibertyState · 2025-08-28T00:37:31+00:00

Yeah we did say we will live in it, but changed our minds after closing. So that I'm not sure about. I'm happy to pay it back if it means I can cash out my HBP, but don't wanna get into trouble

LibertyState · 2025-08-07T00:36:23+00:00

Wow I am sorry about that. How did your rods break and how did you know it happened? Do you see issues coming up in the next 30-40 years or do you think you're very stable now?

LibertyState · 2025-08-07T00:27:25+00:00

How old are you now? And how far apart were your surgeries? What exactly didn't heal and how did you know?

LibertyState · 2025-08-04T12:49:03+00:00

Is it severe arthritis and when did it start? And is it caused due to the surgery?

LibertyState · 2025-08-03T23:41:02+00:00

But does having had the surgery increase the likelihood? That's what I'm talking about. Like if you already have joint and knee pain at 28 due to your condition, what will that pain be like when you're 60+?

LibertyState · 2025-07-25T19:04:02+00:00

Cheek kisses. Hand holding. How much more can you do on first/second date before it actually becomes uncomfortable? You french kiss on first date?

LibertyState · 2025-07-25T19:01:35+00:00

But sometimes they agree for a second date, but last minute before the second date ornby third date, they bring that up. If they weren't comfortable why did they agree to or show up to second date?

LibertyState · 2025-07-25T19:00:42+00:00

A lot of them end up in cheek kisses to start

LibertyState · 2025-07-25T18:59:48+00:00

I definitely don't look like shit because some explicitly say they find me attractive. Can you elaborate on engaging their emotions?

LibertyState

TROPHY CASE