SMBrokers

Like brand new! $699,999 4 bedrooms, 4 baths, 2 years old townhouse 4-13328 96 Ave. CENTRAL LOCATION... Book your appointment now! 778-773-4918

BY APPOINTMENT OPEN HOUSE by Team Art & Charen This Sat & Sun | Sep 5 & 6 | 2-4pm 18-7833 Heather St, Richmond MLS# 2489386 3 storey townhouse

Invitation for those who want to buy real estate property in BC. If you see yourself owning your home here in BC, this FREE WEBINAR will help you to start with your goal. Every year we teach first time home buyers and home owners by providing a seminar on Real Estate Market Update in Metro Vancouver area. This time, because of COVID Pandemic, we will hold our FREE HOME BUYERS WEBINAR via Zoom. Let's talk about it:... 1) What is the real estate market right now? Let's study the Statistics of sold and for sale properties and its Trend. 2) Is now the right time to buy or sell a home? 3) What are the changes to Mortgage Rules that could affect the mortgage loan application? To register, send us your name and email address. We'll send you a link and instruction so you can join our webinar. See attached for more details. Thank you very much!

Mortgage Alliance Smart Mortgage Brokers invite you to our Annual Spring Market Update in Metro Vancouver Webinar. It is a free seminar that we always give to BC Residents, this time due to COVID protocols, we will do a FREE WEBINAR. Topic includes: * How is the Real Estate Market now (Trends and Statistics)?... * Is it the right time to buy or sell a real estate property? * What are the changes in Mortgage Rules during this COVID Pandemic that we should we aware of? We love to have you in this 1.5 hours of learning and gaining new insights on the real estate market and financing approval. Reserve the date and register now. See invitation attached for details.

INTERVIEW WITH SCOTIABANK This is how mortgage brokers meet nowadays to continue serving our clients, making sure we got the answers to their questions and solutions to their mortgage financing needs. Just got off from a live discussion with Heather & Kevin of Mortgage Alliance for a Scotia bank interview. Thank you John Sarkanian for the update on underwriting rules and answering our questions.... Few things I want to share with you: * On mortgage deferral payment, please know that this will not affect your credit scores or history. * If you have a tight budget, it is worth to do the mortgage deferral even if you have to pay the interest on the deferred payment, interest will not be much. For ex. Mortgage deferred amount for 6 months is $8000 and your interest rate is 3%, $8000 x 3% = $240 for the year, for 6 months is $120. Im sure you dont mind paying the $120 interest over the 6 months mortgage payment that will be redirected towards your budget. * If buying a property, banks want to make sure your paystubs are current, like 30 days prior to application, making sure you are still working. * If buying a rental property, banks will require that you have the 20% downpayment available from your liquid assets, it cannot be borrowed or gifted. These are just few points, rest assured that we are doing our best to keep updated and adjusted as well to this new environment we are in nowadays. Thank you and stay safe! Charen Cusi President/Managing Broker Mortgage Alliance Smart Mortgage Brokers

SOCIAL DISTANCING PROCESS TO HELP YOU WITH YOUR MORTGAGE FINANCING NEEDS With social distancing protocol, we have device a process to still help you with your mortgage needs, the same as before, or even better. This is how we are taking care of your mortgage needs, whether it is for property purchase, refinancing, or mortgage renewal. ... 1. TELEPHONE INTERVIEW Give us a call at 778-773-4918 or email us at [email protected] to start with. 2. VIRTUAL CLIENT MEETING We do client meeting virtually via different methods available, whatever works best with you. We can use Zoom meeting, skype, facetime ot FB messenger video call. 3. ONLINE APPLICATION We have online application available. We will send you the link and you can input the information required. We can also email the application form to you if you prefer to fill it out by hand. If you have any questions with the application form, you can always call us. Or we can even fill it out for you. 4. CAM SCANNER FOR YOUR DOCUMENTS Scan your documents using cam scanner app available through your smart phones, upload it and email it to us directly. 5. E-SIGNATURE We do not need to meet in person for your signatures, we can use E-signature. We will send you the link to the documents which require your signatures and just follow the instruction. It is quick and easy. We keep on finding ways and solutions, we see this as an opportunity to innovate and evolve our business to do better. Stay connected! Thank you and be safe everyone! Charen Cusi Senior Mortgage Consultant President / Managing Broker Mortgage Alliance Smart Mortgage Brokers 778-773-4918 [email protected]

On Mortgage Deferment due to COVID-19 Kailangan nyo bang mag defer ng mortgage payment? The lenders are allowing you to do that on a case to case basis. You have to call your lender directly to apply as they will have to assess your situation. ... Have a lot of patience due to volume of calls, you will have to wait hours or even days for them to get back to you. They will get back to you, they are doing their best to help and accommodate everybody. When you call be ready with your mortgage information such as mortgage number, property address and other details with regards to your mortgage. Just so you know that the interest on your mortgage payment is not free when you defer your payment. It will be added to your principal amount. Any questions, give us a call at 778-773-4918 or email to [email protected]. Thank you and stay safe everyone. Lender's hotline numbers. B2B 1-800 263 8349 BMO1-877-895-3278 CIBC 1-800-465-2422 CMLS1-888-995-2657 Equitable1-888-334-3313 First Calgary Financial1-403-736-4000 First National1-888-488-0794 Haventree1-855-272-0051 Home Trust1-855-270-3630 HSBC1-888-310-4722 ICICI1-888-424-2422 Manulife1-877-765-2265 MCAP1-800-265-2624 Merix1-877-637-4911 Marathon1-855-503-6060 Optimum1-866-441-3775 RBC1-866-809-5800 RFA1-877-416-7873 RMG1-866-809-5800 Scotia1-800-472-6842 Street Capital1-866-683-8090 TD1-866-222-3456

Stress test - parang life, hindi mawala-wala. hahaha! Kidding aside, I am thankful na kahit papano, nagkaron ng changes sa current stress test na ipinapatupad ng Federal Government. Ano nga ba ang ibig sabihin ng changes na inanunsyo ng Finance Minister effective April 6, 2020? Ang sabi, "the new benchmark rate will be the weekly median 5-year fixed insured mortgage rate from mortgage insurance applications plus 2%". Una, we will wait for announcement what is the weekly me...dian 5-year fixed rate then we add 2% to it. Sa kalakaran ngayon, it is better than the current benchmark rate being used to qualify the borrower, which is at 5.19%. Kumbaga eh mababa ng konti. For example, kung ang median 5-yr fixed rate ay 2.84% + 2% = 4.84% ang gagamitin para sa borrower to qualify. Ano naman ang epekto nito sa buying power mo? Magkakaron ka ng room to increase sa pwede mong bilhin. Case to case basis ito. Meron akong client na sa current 5.19% qualifying rate ay pwedeng bumili ng $450k property, kung i-qualify sila ng 4.84% maaari silang bumili ng $470k. May nagtanong sakin kung mas mabuti ba na maghintay ako ng April bago bumili ng bahay? I would say, always keep your options open. What if tumaas naman ang bentahan sa April, eh di parang konti lang ang naitulong sayo ng additional na mortgage amount na hinintay mo. Samantalang if you work on what you have right now, I mean, alam mo naman ang gusto mong property, may mga criteria ka na na ni-set like location, ilang bedrooms, ilang washroom, etc., alam mo na rin ang budget na magwo work sayo. I mean, what if makita mo na ngayon yung property na gusto mo at hindi mo naman kailangan yung extra 20k or 25k or 30k na loan? Again, case to case basis. Ito yung isang bagay na hindi pwedeng i-generalize. I suggest, check your numbers and then plan accordingly. In the first place, kaya nagkaron ng Stress Test Rule is to protect Canadians from their biggest investment. Siyempre, doon lang tayo sa kaya natin. Living within our means and enjoying what we currently have. We don't want to buy a house na mahihirapan tayo i-sustain lalo na kapag dumating ang mga unexpected kagaya nga ng pagtaas ng mortgage interest rate. Kaya the government make sure na meron pa tayong room to move kung sakaling mangyari yon. Siyempre, ayaw naman nating maremata ang mga bahay natin. Kung may tanong kayo tungkol sa bagong changes sa stress test rule, please do not hesitate to contact us. Maraming salamt po! Smart Mortgage Brokers Ltd dba Mortgage Alliance Smart Mortgage Brokers [email protected] 778-773-4918

Thankful for this announcement. We've been waiting for some adjustment from the current Stress Test Rule for quite some time. This is not much difference but at least there is some room to move. For our clients who are currently looking for houses to buy or for those who are planning to buy, find out whether this change will help you in your current mortgage needs, so you can plan accordingly. Email us at [email protected] or give us a call at 778-773-4918.... Thank You. Mortgage Alliance Smart Mortgage Brokers https://globalnews.ca//mortgage-stress-test-change-insur/

Happy New Year everyone!

It's time for our Client Appreciation Event! We are so excited to invite you, our dear clients, to a private screening of STAR WARS, The Rise of Skywalker. Please see details attached. We will send you private invite and please RSVP by Dec 14.... We thank you for your loyalty and support! Thank you for your continued business and referrals to your family and friends! Merry Christmas to all. <3

So happy to share with you our Ka-Bahay episode: Budgeting 101 (Part 1) with Ka-Bahay Emma! Why do we need to budget? What is a budget? How to build a budget? How it helps you to build a better life? Click the link to watch and remember to subscribe to our Ka-Bahay youtube channel. Maraming Salamat po mga Ka-Bahay!... https://youtu.be/9m8ie8DOXqI

So happy for her and so proud of her! My niece signing mortgage documents for her first and brand new condo purchase! Congratulations Ms. Gladys Cusi!

Sharing our "Bakasyonista Alert!" Part 2 (Ka-Bahay Episode 1) here! We talk about tips or things to prepare when going on family vacation! Hope you'll find this helpful. PLEASE SHARE and SUBSCRIBE TO OUR KA-BAHAY CHANNEL! Maraming Salamat po mga Ka-Bahay! https://youtu.be/QO88hCuw9Qo

Sharing here our first eposide Ka-bahay "Bakasyonista Alert!" Part 1. Since summertime is here which means summer family vacation and activities for most of us, this episode talks about the things we need to prepare or be aware of when going on vacation. Hope you'll find these tips helpful. SUBSCRIBE***SUBSCRIBE***SUBSCRIBE**** na kayo mga ka-bahay sa aming "Ka-bahay" you-tube channel. Be with us sa mga susunod pa naming masasayang episodes! Fun! fun! fun! Maraming salamat po! https://youtu.be/T-_TJzEy8OQ

Very excited to share with your our very own youtube channel "Ka-bahay". Why Ka-bahay? Please watch this and share and be with us for our next episodes. Maraming salamat po mga Ka-bahay!

Homeowners Seminar | May 4 * Real Estate Highlights * Will and Estate Planning * Home Equity

Have a great time at our First Time Home Buyers Seminar. Thank you to all who attended. Hope youll find it a great contribution towards your goal of buying your first home! Cheers! Thanks to Atty. Melissa Briones of Northam Law for sharing about conveyancing to these future homeowners! Thanks for the full support of my family and friends!

First Time Home Buyers Seminar, April 27, 2-4pm, Surrey City Centre Public Library, Room 418. See you there!

This is happening now! One blessed family will be given $100,000 towards their mortgage! To all our clients who received mortgage through us in 2018, you are entered into the 12th draw of Mortgage Alliance Minimize your Mortgage Sweepstakes. We hope that it is you this time!... Cheers, Mortgage Alliance Smart Mortgage Brokers

This is happening now! One blessed family will be given $100,000 towards their mortgage! To all our clients who received mortgage through us in 2018, you are entered into the 12th draw of Mortgage Alliance Minimize your Mortgage Sweepstakes. We hope that it is you this time!... Cheers, Mortgage Alliance Smart Mortgage Brokers https://www.mortgagebrokernews.ca//mortgage-alliance-to-an

We are inviting you to our Back to Back Seminars for First Time Home Buyers (April 27) and Homeowners (May 4). Topics include: April 27 For First Time Home Buyers | 2-4pm | City Centre Public Library Room 418 Dr. Ambedkar Room... Real Estate & Mortgage Highlights How to acquire financing for your home purchase Buy like a pro! How to avoid top mistakes first time home buyers make? May 4 Homeowners | 2-4pm | Guildford Surrey Public Library | Meeting Room Real Estate & Mortgage Highlights Home Equity and the smart ways to use it Will & Estate Planning Both seminars will have "Question and Answer" with panel of experts from banking, real estate, and legal industry. Joining us is Kevin Reichmuth, Regional Sales Manager of TD Canada Trust & Atty. Melissa Briones, Northam Law Corp. RSVP is required as space is limited. These seminars are free and snacks will be provided. This is our way of continuously serving and adding value to our clients' lives and to their family and friends. We hope to see you there! Sincerely, Mortgage Alliance Smart Mortgage Brokers 778-773-4918 [email protected]

Invitation to First Time Home Buyers RSVP required We hope to see there!

Invitation to our clients, their families and friends. RSVP required. We hope to see there! Thank you!

To our clients and their family and friends, We are inviting you to our Spring Update Back to Back Seminars for First Time Home Buyers on April 27 and Homeowners on May 4, both dates are Sat at 2-4pm. More details to follow. Pls save the date. Looking forward to see you there! ... RSVP by sending us a message with your name and tel no at [email protected] or 778-773-4918. Thank you. Mortgage Alliance Smart Mortgage Brokers Team Art & Charen, Professional Realtors

Great learning at Mortgage Alliance Regional Meeting - First Quarter. #marketupdate #whychooseamortgagebroker #inthelendersshoes... #realvalueoverrates #howtolendyourownmoney See more

Update from Bank of Canada

Remembering this as one of those special evenings with Mortgage Alliance family At the Mortgage Alliance Gala benefitting the Canadian Cancer Society

Lovely gift received today from my team leader at Mortgage Alliance! Thanks Tracy Leung! #grateful

Standing next to the top 20% of Mortgage Alliance Professionals Canada. Congratulations team SMB!!! Thank you Mortgage Alliance for the support and recognition.

Friendly reminder for our clients to file your declaration for the Speculation and Vacancy Tax. Deadline is on March 31, 2019. Each owner should file their own declaration. The easiest way is via online. All information that you need is in the letter that was sent to you. For more info about the new annual Speculation and Vacancy Tax, click the link below. ... https://www2.gov.bc.ca//proper/speculation-and-vacancy-tax Best Regards, Mortgage Alliance Smart Mortgage Brokers 778.773.4918 [email protected]

Isnt this amazing? Hoping one of our clients will win this, imagine your mortgage balance reduced by $100k Charen Cusi & Art Fabian... Senior Mortgage Consultant Mortgage Alliance 778.773.4918 | [email protected] See more

What is going on with the interest rates? As bond decreases, so is the interest rate. But this might not stay long, as predicted. Securing your mortgage pre-approval wont hurt but only get you a step ahead in this coming spring market. ... We can help. Give us a call. We take action. Charen Cusi | Senior Mortgage Consultant Mortgage Alliance 778.773.4918 | [email protected]

Do you want to know your mortgage pre-approval amount in less than 5 minutes? Try our mortgage pre-qualification link below. As mortgage alliance professionals, we can provide you one-on-one free consultation as well. Give us a call at 778-773-4918 or email at [email protected]. https://mortgageprequalification.ca/en/TMAC?dealSourceId=21

During our 4th Annual Client Appreciation Day. So grateful for our clients continued support and loyalty. Looking forward for a better, stronger, and more fruitful 2019 with you all.

FOR OUR DEAR CLIENTS 4th Annual Client Appreciation Event 2018 Dec 22 | Sat | 9am | Landmark Cinemas RSVP by Dec 8 Call us at 778-773-4918 or email us at [email protected]

Coming along with this new logo for Smart Mortgage Brokers Ltd. is our bolder actions to be of better service to our clients! Your trust and confidence in us encourage us to strive for excellence to give you outstanding results. #sograteful

For our dear clients