Julie Brenneman-The Mortgage Centre
395 Dundas Street N4S 1B6 Woodstock, ON, Canada

Let's get 2021 financially on track with the tips below: https://mortgagesbyjulie.ca//5-financial-resolutions-for-/

CONTEST TIME! We have teamed up with Jeff Lajos -Personal Chef Services to give away this amazing dinner for two pictured below. Hungarian Beef Paprikas w tenderloin & egg noodles. Save yourself some time cooking this Friday and enjoy a delicious meal, prepared by a chef and delivered to your door. How to enter:... Like our Page Julie Brenneman-The Mortgage Centre Share this Post And Tag who you will be sharing the meal with Winner will be announced Friday at 12pm. ** Woodstock Residents Only**

Good Riddance 2020! Wishing you and your loved ones the best in the new year

Our holiday season hours:

Happy 1st of December! Kick your home decor up a notch this holiday season with some of these tips:

Lest we forget. Our office will be closed November 11th, 2020 in observance of Remembrance Day.

As Canadian mortgage holders and prospective home buyers will have noticed over the past decade, bad news has been good for interest rates. Good news has the opposite effect.

https://www.cbc.ca///newell-family-new-brunswick-1.5754059 Yes, we lend out of province! we are seeing a growing number of families relocating during this uncertain time. Working from home now can mean you can live anywhere. Call us to find out what that looks like for your family

No Down payment? One of my Top Lenders is offering a mortgage to help people who can't save up for their down payment still be able to get the keys to a home they can call their own. The Flexible Down Payment program allows home buyers to use existing credit facilities as their down payment.... DETAILS: Minimum 650+ credit score Minimum 2 years history reporting on Credit Bureau Sources of Down Payment: Line of Credit, Credit Card, Personal Loan Include borrowed DP in the debt servicing of the deal. Ex: Unsecured LOC at 3%, Credit Card at 3%, store brand Credit Card at 5%, Personal Loan at actual payments. No late payments in the past 36 months High Ratio Deals only. 90.01-95% LTV 25 year amortization Strong Employment History No previous bankruptcy or consumer proposal. PM FOR A PREAPPROVAL :)

Are you part of this 40%?

24 hour approval with 48 hour funding time! Home Equity Loans up to $40,000. Pay Property tax arrears, high interest debt, Home renovations. No Appraisal required

Contest Time We have teamed up with The Oxford Drive In to bring you our latest contest! Enter to win:... 1 vehicle pass 2 combo vouchers Can be reimbursed at any time! How to enter: Like our page Tag who you will be taking with you Share this post For extra entries - follow us on instagram. Extending to October 29th for draw.

Canada's federal banking regulator is phasing out requirements around mortgage deferrals for homeowners hard-hit financially by the COVID-19 pandemic.

Happy #nationaldogday to our beloved office dog, Stella

First-time homebuyers are often on a tight budget, where every dollar is carefully accounted for. Yet, many report confusion when told how much money to bring to their lawyer’s office to complete their home purchase. It’s often thousands more than they expected. Why is that? And how can you better prepare yourself?

The Woodstock office would like to introduce you to Crystal!

Rates are at an all time low! Call us today for a mortgage check up to see if we can save you money :) 519-539-6153

The Mortgage Centre Hometown Financial has expanded into Chatham region. We look forward to working with the community and offering them mortgage services.

How are you supposed to optimize your credit score when you don’t even know what it is? The answer is by focusing more on your overall credit hygiene rather than on any one particular score.

We are in tricky times, and the best thing to do is have experienced professionals by your side that understand the market.

Heres hoping... https://www.canadianmortgagetrends.com//bank-of-canada-hi/

Hope everyone enjoys their Canada Day!

Check out our July newsletter!

We have outlined the changes coming for CMHC Insurer as of July 1st in the article below:

As some of you may know, in 2018, I decided to open my own brokerage - Hometown Financial. In December of 2018, we expanded our team by over 20 agents when I partnered up with Penny Wrightly; and have continued to grow over the year and a half we've been in business together. Being recognized as one of the top new Brokerages is such an honour, and I thank every single one of you for your continued support!

Breakdown of the impact the new CMHC rules will have coming into effect on July 1st, 2020:

Has the COVID-19 pandemic meant you are now slaving away at home, dreaming of ways you can write off some of your home expenses on your 2020 taxes?

Effective July 1st, 2020:

Pay off high-interest debt, reduce monthly payments by up to 50% and rebuild your credit. Give us a call today to see if a home equity loan is right for you. 519-539-6153

We hear you, we see you and we mourn with you. #BLM

Traded in my office view for this one for a change of scenery for a few days. Want to purchase a cottage with as little as 5 percent down? Let's talk!

A great breakdown of how interest rates are determined, and how things have changed throughout the COVID-19 pandemic:

Is 5%down going to be a thing of the past? CMHC may consider increased downpayment as the world recovers from COVID19 pandemic. https://www.cmhc-schl.gc.ca//supporting-financial-stabilit

Some good news this morning!

Congratulations to our awesome Administrator Lauren Gray and Nathan Gray on the arrival of their beautiful baby boy!

**GIVEAWAY TIME** Enter for your chance to win one of the four handmade masks and ear savers by tagging one of the amazing frontline worker in the comments below. Thank you to everyone out there everyday, for your commitment and courage!

Support Local! This Friday we are featuring Early Bird Coffee for our local business that is still out there working hard to provide our community with great coffee. They provide delivery for coffee AND baked goods on Mondays. They will be taking orders until 11:59pm tonight. You can order online on their website below Go check em' out :) https://earlybirdcoffee.ca/shop/

Congratulations to our winner Jenifer Brekelmans ! Thanks to everyone for entering our Produce Express contest :) We will be messaging you with the information to claim prize shortly.

This accounts for payments between March 30 - September 30 2020.

*CONTEST TIME* During this time, a lot of you have decided to order groceries online, so we thought we could help you out! Enter to win $50 to use towards Produce Express - a local company providing online shopping for your produce needs. How to enter: Share this post!... Like our page! And tag who you will be cooking for, and give us some dinner ideas in the comments below! Winner will be announced Tuesday, April 21st.

Call your insurance company to see if you can get some extra savings during this difficult time.

If you have any questions or concerns about your mortgage during this time give us a call. We can help guide you in the right direction.

Another hunt for the Real Lady Bosses on Facebook! Find all the eggs and get entered to win a basket of goodies from 20 Real Lady Boss Businesses! WHAT YOU WIL...L WIN: Basket of goodies with something from each real lady boss business: -gift certificates, bath bombs, hoppy day bunny, mom club tshirt, water bottle, scrunchie, picture frame, sample products, decor, eye pillow, childrens bracelet, and more! Valued at over $600 HOW TO ENTER: Share this post Locate a post on the business facebook page that have an egg hidden. Like the post, like the page and tag a friend in the comments of the post Businesses Participating: [https://www.facebook.com/thehallmarkshoppe/](https://www.facebook.com/thehallmarkshoppe/) [https://www.facebook.com/cassandrabenardjcb/](https://www.facebook.com/cassandrabenardjcb/) [https://www.facebook.com/JourneyWellCounsellingServices](https://www.facebook.com/JourneyWellCounsellingServices/)/ [https://www.facebook.com/heathertrepanierarbonne/](https://www.facebook.com/heathertrepanierarbonne/) [https://www.facebook.com/the.B.Kitchen.ca/](https://www.facebook.com/the.B.Kitchen.ca/) [https://www.facebook.com/LanaHogins/](https://www.facebook.com/LanaHogins/) [https://www.facebook.com/ashesdinodesignss/](https://www.facebook.com/ashesdinodesignss/) [https://www.facebook.com/Letsgetbombd/](https://www.facebook.com/Letsgetbombd/) https://m.facebook.com/brandowsoap [https://www.facebook.com/shelly.fraczek](https://www.facebook.com/shelly.fraczek) [https://www.facebook.com/CountryCornerCreations/](https://www.facebook.com/CountryCornerCreations/) [https://www.facebook.com/littleyogagarden/](https://www.facebook.com/littleyogagarden/) [https://www.facebook.com/thebritishgroomer/](https://www.facebook.com/thebritishgroomer/) [https://www.facebook.com/OrganicallyMettaOM/](https://www.facebook.com/OrganicallyMettaOM/) [https://www.facebook.com/enpointebeautybar/](https://www.facebook.com/enpointebeautybar/) [https://www.facebook.com/SynergyWellnessPro/](https://www.facebook.com/SynergyWellnessPro/) [https://www.facebook.com/azaleayoga/](https://www.facebook.com/azaleayoga/) [https://www.facebook.com/SwagHive/?ref=br_rs](https://www.facebook.com/SwagHive/?ref=br_rs) [https://www.facebook.com/MortgageCentreWoodstock/](https://www.facebook.com/MortgageCentreWoodstock/)

During all this chaos, let's brighten the feed and see some pups! Share some dog photos in the comments #seeapuppypostapuppy

Our April Newsletter is out! Check it out below:

Give us a call for a pre-approval today! 519-539-6153

Here's more info on payment deferrals

Each lender has asked clients to get in touch in different ways to defer payments, which can be confusing. I have compiled a list of links for various lenders below, that outlines the steps you should take in order to defer payments: B2B Bank - https://b2bbank.com/covid19 BMO - https://www.bmo.com//pers/bmo-branches-coronavirus-update/ Bridgewater Bank - https://bridgewaterbank.ca/covid-19/... CIBC - https://www.cibc.com//covid-19/requesting-financial-assist CMLS - https://www.cmls.ca//learni/for-those-impacted-by-covid-19 Optimum Mortgage - https://www.optimummortgage.ca/en/client-services/covid-19 Equitable Bank - https://www.equitablebank.ca/covid-19 First National - https://www.firstnational.ca/residential/covid-19 Haventree - https://www.haventreebank.com/ Hometrust - https://www.hometrust.ca/statement-from-home-trust-on-covi/ HSBC - https://www.hsbc.ca/customer-service/covid-19-update/ ICICI - https://www.icicibank.ca/personal/covid/notice.page? Manulife - https://www.manulifebank.ca/support/financial-relief.html MCAP - https://www.mcap.com/covid-19 Merix - https://www.merixfinancial.com/marke/COVID-19-questions.pdf Marathon - http://marathonmortgage.ca/Contact/Contact_Corporate_Office RBC - https://www.rbc.com/covid-19/ RFA [Street Capital] - https://www.rfa.ca/covid19 RMG - https://www.rmgmortgages.ca/covid-19 Scotiabank - https://www.scotiabank.com//s/mortgage-payment-relief.html TD - https://www.td.com/ca/en/personal-banking/covid-19/ See more

DIY Day Three - Maybe you're struggling with storage space, organization, or just a somewhat lackluster apartment design that needs upgrading. (Or maybe you're stuck inside for some period of time and just need something to do with your hands? It happens!) The upside of being holed up is that you've probably got time to killand that blank wall staring back at you is begging for the gallery wall you've been saying you were going to put up forever. Try your hand at some of our favorite, easy DIYs to give your space a fresh upgrade. https://www.housebeautiful.com//g1624/diy-solutions-easie/

Day two for our DIY projects to keep you busy at home. At the link below you can find some creative patio furniture ideas that will help you build everything you need for a patio you won't want to leave. You'll save money, create some quality furniture, and learn a lot about simple building techniques along the way. https://www.thespruce.com/patio-furniture-plans-4769226

We thought, while we have all this time on our hands at home - why not start some projects we've been putting off? Today is the first day of DIY. Refinish some of that old furniture to give it a brand new feeling. Check out the link below: https://www.homedepot.com//9ba683603be9fa5395fab90140efad1a

We have compiled the following information from our partners to keep you informed as to some of the recent developments surrounding mortgages, as well as what lenders are doing to help mitigate financial strain during this difficult time.

The Canadian Government has announced more funding through CMHC for purchases and also more relaxed regulations including insuring low ratio 30 year amortizations so they can offer help should the client need it in crisis. Hoping this helps our buyers see a light at the end of the tunnel.

Good Morning Everyone. We had had an influx in inquiries from clients asking about deferring mortgage paymeents. Here are the numbers to call listed below again. I urge you to please ONLY CALL IF YOU ARE NOT WORKING. This is a stressful time for everyone and wait times are very long for these service departments, with wait times being longer for clients to stay on hold only to be told they have to wait until they are physically off work. Stay safe everyone and please rea...ch out if you need anything xo ATB 1-800-332-8383 B2B 1 800 263 8349 BMO 1-877-895-3278 Bridgewater 1-866-243-4301 CIBC 1-800-465-2422 CMLS 1-888-995-2657 Optimum 1-866-441-3775 Equitable 1-888-334-3313 First National 1-888-488-0794 Haventree 1-855-272-0051 Home Trust 1-855-270-3630 HSBC 1-888-310-4722 ICICI 1-888-424-2422 Manulife 1-877-765-2265 MCAP 1-800-265-2624 Merix 1-877-637-4911 Marathon 1-855-503-6060 RBC- 1-800-769-2511 RFA 1-877-416-7873 RMG 1-866-809-5800 Scotia 1-800-472-6842 Servus 1-877-378-8728 Street Capital 1-866-683-8090 TD 1-866-222-3456 See more

As we have been made aware, many of our existing clients may be off work due to COVID-19. If you have any questions regarding payment deferral or skip-a-payment, please contact the office at 519-539-6153.

We take the health and safety of our employees and clients very seriously. As a precaution, we've implemented a work from home policy for everyone as of Thursday, March 18th at 12pm. We are fortunate in that as a mortgage company, everyone can continue to do their jobs from the safety of their own homes. We are able to complete all mortgage transactions remotely. Thank you for your understanding during this time.

Good Morning Everyone, Given the current situation regarding the COVID-19, we wanted to ensure you it's business as usual with The Mortgage Centre Hometown Financial. We are taking measures to ensure the safety of our clients, and all doing our part to look after ourselves and those surrounding us. That being said, we are still committed to providing excellent service, and will continue to do so amid this crisis. We have implemented tools and technology to allow all transact...ions to be done remotely, and to avoid public face-to-face interaction. All refinances and purchases CAN be done remotely - so give us a call today if you would like to move forward. Thank you kindly, The Mortgage Centre Hometown Financial

Basking in that springtime sun

The best part of my job is being able to say 1. "I've been there" 2."I understand" 3. "We've got this"

We are hosting another trivia night April 1st at Upper Thames Brewery.. Looking for feedback on what tv show you would like us to feature.

The stress test changes explained:

We are hoping to help you trim the fat on your bank accounts this year and get you to your financial fitness goals! While giving you the chance to win a fitbit versa 2 to help reach your physical fitness goals. In order to get you there, we can consolidate those high interest cards and credit by tapping into your home's equity. Each client to refinance or close a home equity loan before April 1st, 2020 will be entered into a draw to win the fitbit versa 2. Give us a call today!

Did you know Hometown Financial also offers a tax service? If you're looking to get a basic income tax return completed this season, give us a call or stop by the office with your documents. E-filing is open February 24th, 2020.

Communication is key in helping your children get on the right track to managing their financial situation.