Nicole Hayes
242 - 255 Newport Drive V3H 5H1 Port Moody, BC, Canada

A throwback to the start of COVID - honoured with a Hall of Fame award and again recognized with Diamond status at DLC. I am grateful to be able to help so many homeowners and for the outstanding team and lenders I get to work with.

Here's why having a mortgage broker on your team is important - and it's what makes me love my job!

Great news for variable-rate mortgages and your lines of credit.

Please follow this link for completed updated information about COVID-19 as it relates to mortgages: https://dominionlending.ca/covid-wps/

In response to COVID-19 there are a number of financial aid options available. CBC is keeping this article updated with options and links to support: COVID-19 financial help: EI benefits, bill deferrals and other emergency funds in B.C. https://www.cbc.ca//brit/covid-19-financial-help-1.5501743 Many Canadians are uncertain about their income and are worried about keeping up with Mortgage Payments. You have options! These options will not run out or be taken away. Our gover...nment is committed to keeping families in their homes and have dedicated billions to make this so. Consider too that lenders want you to be well and in your home they are in the business of helping provide Canadians with homeownership. To save you the wait and stress of waiting to speak to your Lender, please consider if your need to defer is significant, urgent, and directly driven by COVID-19. You may want first to read this article about the deferral process: Frustrated Canadians looking for mortgage deferrals from big banks facing delays, denials https://www.cbc.ca//banks-rbc-bmo-td-mortgage-credit-coron Customers dealing with financial hardship directly driven by COVID-19 may be offered a temporary payment solution. Based on the feedback from our lenders’ customer service teams, many requests are coming from individuals who may fall outside this category. Before calling, please consider if you fall into this bucket at this time? Calls, emails, and messages from clients that have not been directly financially impacted by COVID-19 take resources and timely responses away from those that are urgently facing this reality. CMHC/Genworth offer: 1. Payment Deferral 2. Re-Amortization 3. Capitalization of outstanding interest/costs 4. Special Payments Most lenders are offering case-by-case payment deferral. You’ll need to call your Lender. They have recommended that you wait to call if you can calling a week before your payment would be fine. The flood of calls happening all at once is leading to unbearable waits that create stress for all involved. FIRST NATIONAL 1-888-488-0794 MANULIFE- 1-800-567-9170 MCAP-1-866-809-5800 RMG- 1-866-809-5800 SCOTIABANK - 1-800-472-6842 STREET CAPITAL/RFA 1-877-416-7873 TD- 1-888-720-0075

I'd encourage you to only call your lender if you truly have no other means. Deferral is not a free-for-all for anyone. https://www.cbc.ca//banks-rbc-bmo-td-mortgage-credit-coron

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Affordability calculators take the mystery out of mortgages. https://nicole-hayes.mtg-app.com/calculators

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Trouble finding the perfect home? Turn that almost home into your dream home! With a Purchase Plus Improvement Mortgage you can: - Renovate the kitchen - Upgrade the windows, doors, & insulation - Add a new garage & much More Certain Conditions Apply. Watch to learn more!

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