Inspection Report Red Flags + More Frequently Asked Mortgage Questions

Home inspection reports can be intimidating, especially for first-time buyers. But how do you know which issues actually matter… and which ones are just part of owning a home?

This week on Under One Roof MTL, LJ Aguinaga breaks down the biggest mistakes buyers make after reading an inspection report and explains which findings should truly raise concern. Plus, Fred and Martin answer another round of frequently asked mortgage questions, including refinancing, renewals, penalties, and credit scores.

In This Episode:

What's Happening in the Market Right Now

• Consumer insolvencies in Canada are now at their highest levels since 2009
• Mortgage delinquency rates continue to climb as economic uncertainty grows
• Canada's commercial real estate market remains surprisingly strong as investors return to stable, income-generating assets

Real Estate: The Inspection Report — What Actually Matters (and What Doesn't)
LJ Aguinaga explains how buyers should approach inspection reports without panicking:

• The biggest mistake buyers make after reading an inspection report
• Which findings should immediately raise red flags
• How to separate cosmetic issues from structural or safety concerns
• When to renegotiate, request repairs, or walk away from a deal
• Common issues in older Montreal homes that may not be as serious as they sound

Mortgages: Frequently Asked Mortgage Questions — Part 2
Fred and Martin answer more of the questions they hear most often from homeowners and buyers:

• What's the difference between renewing and refinancing a mortgage?
• How does your credit score affect mortgage approval?
• What's the difference between using a bank versus a mortgage broker?
• Why are mortgage penalties sometimes so expensive?

Property of the Week
📍 Fabreville, Laval
3730 Rue Gaston-Miron — a stunning 2015-built two-storey home backing directly onto 50 hectares of protected woodland. Features include four bedrooms, a spa-style ensuite, two-storey atrium, fully finished basement with gym, and an inground saltwater pool.
Listed at $1,050,000 through LJ Realties.

Trivia Question of the Week
What is the name of the document that legally transfers ownership of a residential property in Quebec?
Answer: Deed of Sale (Acte de Vente)

Get in Touch:

LJ Aguinaga – Real Estate
📞 514-500-4040
🌐 LJ Realties
📱 Instagram & socials: @ljaguinaga / @ljrealties

Property Management (Plex Dr)
📞 514-709-6397
🌐 Plex Dr

Fred & Martin – Mortgage Experts
🌐 FredAndMartin

📧 underoneroofmtl@gmail.com