Nicole Tracey Mortgages
#203 - 206 Ontario St N5A3H4 Stratford, ON, Canada

Contact me to see if we can save you money now!! Nicole @ 519-301-3838 #mortgagetips #mortgagerates #mortgagebroker #savemoney #refinancemortgage #mortgageexpertbyday

With rates at historic lows, now is a great time to consider your refinance options! Contact me for a mortgage check-in Nicole @ 519-301-3838 #mortgagebroker #stratfordmortgagebroker #renovationproject #lowerrates #bringyourownbroker #nicoletraceymortgages

Oh what I could do with $100k in renovations! If you're in the market for a home purchase & want to include renovation funds in your mortgage, contact me for more info on this Purchase Plus Improvement product! Nicole Tracey Mortgages 519-301-3838

Which reverse mortgage is right for me? https://bit.ly/3A9HtHt Visit https://www.bringyourownbroker.ca/ for all your mortgage-related services.... #NicoleTraceyMortgages #chipreversemortgage #perthcounty See more

This makes me so proud of Nova Scotia & also pleasantly surprised with the new NS conservative government. Well done indeed! Other provinces should take note... the housing crisis is real and its about time we put people first and figure out a plan!

#stratfordmortgagebroker #thegreatdebate

Royal LePage sees Canadian home prices rising 5.5% in 2021 https://bit.ly/38s84Tz Visit https://www.bringyourownbroker.ca/ for all your mortgage-related services. #NicoleTraceyMortgages #mortgagespecialist #canada

IT’S A NEW YEAR, TIME FOR A MORTGAGE CHECK-IN I wanted to take a moment to check-in and remind you of what I do. As a Mortgage Professional, I am happy to have ...the opportunity to help Canadians secure the financing for their biggest investment, their home. I realize how important it is for me to educate and remind my network on exactly what I do, and when someone might want to use my services. Here is some information that may help you understand a little more of how I help my clients: I work with Canada’s leading Financial Institutions including major Banks, Trust Companies, and Credit Unions. They include Scotiabank, TD, Home Trust, MCAP, Coast Capital, and many others. You can find a complete list of all my lending partners on my website at www.bringyourownbroker.ca. My company, The Mortgage Centre, sends more than 40 billion dollars in mortgage volume annually. Because we are the biggest in the country, our lenders provide us with a variety of mortgage products, exceptional rates, fast turnaround times and flexibility with approvals. When you use me to find you the very best mortgage for your needs and negotiate on your behalf, typically there is no cost to you. The lender pays me a compensation fee for finding and bringing them the business, I only earn a fee if I arrange the mortgage for you. The Compensation Fee is the same regardless of what lender you choose and it is not built into your mortgage rate. Some of our lenders specialize in providing mortgages for clients who are self-employed, contract employees, have seasonal income, have trouble proving income, or lack some of the standard documentation. I have seen all situations and am experienced in getting unconventional mortgages approved. Many consumers think their bank will automatically give them the best rates because they have been a loyal customer for many years, have multiple accounts, or have high account balances. Don’t fall into that trap. That kind of thinking has cost many clients thousands of dollars in unnecessary interest. I am a fully licensed mortgage professional and am governed by the regulator of Ontario. The safety and security of your personal information is of utmost importance and all discussions, documentation and file management are completely confidential at all times. Often clients make the time-consuming mistake of going to multiple lenders themselves, attempting to negotiate the best rates. Each time a Financial Institution pulls your credit report, your credit score actually drops. Sometimes the very exercise of trying to find the most competitive mortgage disqualifies you from qualifying. At The Mortgage Centre, we forward your credit report electronically to our lenders so that it isn’t pulled over and over. The interest rates today are at an all time low. If you, like so many other Canadians, have high interest credit card debt, department store debt, line of credit debt or other outstanding payments, now might be the ideal time to refinance your existing mortgage and consolidate it all into one simple payment. Consolidation can sometimes reduce your monthly payments by more than a thousand dollars per month. I would be happy to calculate the saving for your specific situation. In summary, I am your trusted mortgage advisor and I work for you, not the banks! It’s my job to provide you with timely, expert advice and make certain my clients have the very best mortgage products for their specific situation. Your business is very important to me! Contact me to schedule a complete mortgage review at your convenience, but remember the lowest rates won’t last long. I am never too busy for your introductions and will take amazing care of anyone you think may find my services valuable.

Variable vs Fixed / Open vs Closed Mortgages https://bit.ly/2mwhSaI Visit https://www.bringyourownbroker.ca/ for all your mortgage-related services. #NicoleTraceyMortgages #mortgagespecialist #canada

Variable or fixed?? With historically low interest rates, is it better to lock in at a low fixed rate? "Canadians who derive value from certainty should choose a fixed rate. For Canadians who are open to a little more risk, considering a variable rate is certainly appropriate, since the Bank is committed to keeping rates where they are for at least another two years." -James Laird, Co-founder of Ratehub.ca and president of mortgage brokerage CanWise Financial

This looks like a really good workshop for local small businesses, offering not only ideas but also step by step plans

*Prepare to be dazzled!* Our fabulous city will be showcasing a luminous art & interactive light installation throughout the downtown core, Shakespeare Gardens, Tom Patterson theatre and more! Check out the schedule for launch on their Fb page: https://www.facebook.com/lightsonstratford/?ref=page_internal So excited for this! Hope to see you all there!

I wandered into DISTILL GALLERY this past week, one of my favourite local boutiques - Distill supports Canadian artists, and shopping downtown means I am supporting local businesses! I found these lovely earrings and was pleasantly surprised to hear about the *Lights On Stratford* winter festival of lights coming this November! This is such a marvelous idea and great for our city, both businesses and community! Here is the link to the Lights On Stratford Fb page: https://www.facebook.com/lightsonstratford I cannot wait to see it!!

May you enjoy lots of love, good cheer and a full belly this thanksgiving and everyday! Cheers!

Oh yay! Halloween festivities!

A lender determines property value by either accessing an automated property evaluation system, or ordering a full appraisal based on previous sales on similar properties. Talk to a local MCC agent today www.mortgagecentre.com #mcc #mortgageinformation #mortgagecentrecanada

The real estate market & mortgage financing are still full speed ahead!! Hang on! We got your back! Happy Friday everyone

Amortization is known as the "life of the mortgage". A typical amortization is 25 years. You can decrease your mortgage amortization by taking advantage of your pre-payment privileges, pm me for more details on becoming mortgage free faster! #bringyourownbroker #mcc #mortgageinformation #mortgageindustry #mortgagebroker #mortgagefreefaster

Good News!!The drop from 4.94% to 4.79% means you now have increased borrowing power DM me for more info #bringyourownbroker #interestrates #mortgagebroker #goodnews #yougothis

A birthday gift that keeps on giving!

Important news for Ontario renters and small businesses 'Ontario implements moratorium on residential rent prices.' -full article below.

The long weekend is here, enjoy every minute of it. #civiclongweekend #summervibes #holiday #familytime

Its been a heck of a year for most of us! Many challenges we have faced. And still here we are stronger & wiser than ever imagined. Know that you are part of a community, there is support out there when you need it and the comeback is worth the challenge!! . . #inspired #communitylove #combackstronger #bringyourownbroker #mortgagesolutions

Doesnt get any cuter then this!! . . #blessed mama #lifeisbeautiful #daughterlove #bestfriendforever #gratefulthankfulblessed

Need virtual mortgage help? Is your mortgage up for renewal in the next six months? Thinking of refinancing your mortgage for a better rate or equity take out? We work on YOUR behalf to navigate your home financing every step of the way! Virtually! I'm accessible, easy to talk to, and happy to help! DM me

Tomorrow is Canada Day & the day CMHC begins implementing the new rule changes to their mortgage default insurance program. I want you to enjoy your Canada day rather than worry about these changes so Ive done a little recap below of the changes, how they affect purchasing power and the other options available. We got you covered!

Ever wonder why interest rates fluctuate, why they are so low right now and what powers drive this

It’s been a heck of a year for most of us! Many challenges we have faced. And still here we are stronger & wiser than ever imagined. Know that you are part of a community, there is support out there when you need it and the comeback is worth the challenge!! . . #inspired #communitylove #combackstronger #bringyourownbroker #mortgagesolutions

Happy Father's Day! From the MCC family to all dads. . #happyfathersday #dad #dadlife #fathersday

Doesn’t get any cuter then this!! . . #blessed mama #lifeisbeautiful #daughterlove #bestfriendforever #gratefulthankfulblessed

Be confident when your house searching, get your financing in place first! See what you qualify for in 60 secs with my mortgage app here https://mccapp.ca/app/nicole-tracey or give me a call to discuss your home financing goals!

Did you know there are multiple insurers for insurance backed mortgages? To understand all of your options and the difference in lending policies, contact me today to discuss your unique situation. Effective July 1st, CMHC made changes to their lending policies that could reduce your borrowing power. Did you know there are two other insurers and they have NOT implemented these rules? Were here to help! . .... . . . #genworth #mortgage #bringyourownbroker #RealEstate #mortgagebroker #financialgoals #stratfordrealestate See more

Community Partners Provide $70,000 commitment to Essential Product and Services Stratford, ON Tuesday, June 9, 2020 .... Today Stratfords Economic Response a...nd Recovery Task Force announced that C.R. Plastic Products and Belfor Property Restoration have stepped forward to support the Al Fresco Project with materials and services. The local businesses will provide supplies and services necessary to move the recently announced All Fresco Outdoor Dining project forward. Learn More Here: https://uploads-ssl.webflow.com//5edfdf30dd2034244cd8ca4c_ See more

I hate seeing reports like this. **Not meant to knock any specific lender, all lenders charge a penalty if you break your mortgage contract. HOWEVER, there are lenders available that have more favourable penalty calculations... for me its a no-brainer! **When you consider that almost 40% of mortgage-holders will have to refinance before the end of their current mortgage term and therefore theyll have to deal with a penalty. Speak to a Mortgage Professional to be well informed on penalties. We can help! Contact me for a no-obligation consult anytime

ANOTHER UPDATE: ITS CURRENTLY POSTPONED UNTIL FURTHER NOTICE. Please join the event: Stratford Solidarity Protest for Black Lives Matter for updates.

Thank you to all the amazing women in my world, past & present, for your inspiration, your grit, your wisdom, the tough love and many times you extended yourself to me when I needed it more than I realized. Much love & gratitude for your impact in my life

Considering refinancing your mortgage? A refinance allows home owners to access some of the equity in their home while potentially securing a better mortgage product. From an interest rate perspective, mortgage rates are really low right now. So for home owners coming up for renewal or thinking about refinancing, now might be a really good time to look at your options. As your independent and personal mortgage professional, I would love to help you find and negotiate a great mortgage tailored to your specific needs & goals! See contact details in bioStay safe & healthy

As always, mortgage brokers/agents can help you from the comfort of your home. If you need to sign documents or need advice on your current mortgage, no need to meet in person. We are equipped to help you online or by phoneFeel free to contact me via phone, email or right here on FB.

Here is some current info for when your ready to get back into the Real Estate market. As your personal mortgage broker, tailored and convenient service is always top priority, offering a digital mortgage experience so your home financing can be secured without in-person contact. Contact me anytime 519-301-3838, Im here to help! The Canadian Real Estate Association has reported a 56.8% decline in house sales for April 2020 compared to March, with the majority of sellers and... buyers having seemingly moved off to the sidelines during the Covid-19 lock down. The decline has been fairly balanced across listings and sales therefore the sales-to-listings ratio has remained relatively stable while the national average housing price has dipped below $500k. However, on a more local level these ratios have been more volatile and when excluding the GTA & Greater Vancouver market values, the average housing price for April comes in at less than $392k, CREA reports. As always, your local Realtor is your best source for info and guidance when navigating the real estate market. Impressively, Realtors have implemented new technology to continue with transactions for both buyers & sellers. Retrieved from: https://www.crea.ca//canadian-home-sales-and-listings-pos/ #mortgage #realestateupdate #covidimpact #bringyourownbroker #newhome #mortgagebroker #homefinancing #staysafeandhealthy #weareinthistogether #homeownership #mortgagespecialist

Today we celebrate our amazing mothers We share endless gratitude for their love sacrifice and wisdom. This special day, we honor the mothers who guide us, inspire us and lift us with great grit and grace. You are loved

DOWNLOAD MY APP! https://www.mccapp.ca/app/nicole-tracey Friends, family, Realtors, curious folk, feel free to download my app and share it with others. This is an incredible tool whether you want to Purchase or Refinance or just want to watch the Interest Rates!... There are so many comprehensive features for tons of scenarios & its ridiculously easy to use. Features incl: Mortgage broker direct contact to assist if necessary Calculate your total cost of owning a home Estimate the minimum down payment you need Calculate the maximum loan you can borrow Stress test your mortgage Estimate your Closing costs And even more tools! Calculate Land transfer taxes and the available rebates Search for the best mortgage rates Compare your options side by side Email Summary reports (PDF) Then call me when you are ready to discuss financing and we can work through the numbers on owning your new home See more

Heres the COVID-19 update for Friday, May 1st. Stay up-to-date by visiting ontario.ca/coronavirus

Should I defer my mortgage? Anyone considering this option should give careful thought. If you or any member of your family, has become unemployed or experien...ces a reduction in income due to COVID-19 may be eligible. If you aren't sure, your local MCC agent can help based on your lender. www.mortgagecentre.com #stayathome #flattenthecurve #deferpayment #mortgage

*Calling all local businesses* We need your feedback on how the postponement of the Stratford Festival this year and COVID-19 will affect your business now and ...in the foreseeable future. Please take a moment to complete this survey: http://survey.constantcontact.com//a07eh293in8k9k86e/start See more

The 75% wage subsidy opens today for applications! Find out if you and your employees are eligible and be sure to link your payroll account to the CRA for faste...r payments. Find out all the details here: https://www.canada.ca//eme/cews-who-eligible-employer.html The Stratford City Centre StratfordON Stratford City Centre BIA - Members Only See more

All student loan borrowers will automatically have their loan repayments and interest suspended until September 30, 2020. Students do not need to apply for the repayment pause. #bringyourownbroker #studentloans #stayathome #flattenthecurve #mcc #wecareaboutyou

TOMORROW IS EARTHDAY! JOIN IN THIS WEBCAST!

Go ahead! Believe it!

We are still here for all of your mortgage needs!

Happy Easter! Stay safe. #easterbunny #flatenthecurve #stayhomestaysafe #bringyourownbroker

The benchmark rate (a.k.a. minimum stress test rate) has decreased from 5.19% to 5.04%. This will boost the mortgage amount typical borrowers can qualify for. Contact me for more details!

IMPORTANT INFORMATION ABOUT (CERB) FISCAL AID Based on the overwhelming number of applicants the CRA (Canada Revenue Agency) is requesting individuals filing ...for the Canadian Emergency Response Benefit program file based according to their Birth month. This will NOT change how much fiscal aid you will receive. Nor will it change how fast you will receive these funds. If you have applied for EI already- do not apply for CERB. CERB payments to EI applicants will start this week. Once the CERB portal is active, this will be the fastest and easiest way for you to apply for the benefits you might need. CERB FAQs https://www.canada.ca//s/benefits/ei/cerb-application.html Although the new on-line application system for the Canada Emergency Response Benefit (CERB) will not be available until April 6, you should take this time now to set up your secure CRA MyAccount access. If you do not already have one you can set one up here https://www.canada.ca//e-service/account-individuals.html Not sure how to set up and account? Watch this video : https://www.youtube.com/watch?v=xW_1xRux6bw For more information on Canadas COVID-19 Economic Response Plan please follow this important link https://www.canada.ca//depart/economic-response-plan.html

Canada's six big banks have lowered their Prime lending rate again to 2.45%!!Canada's six big banks have lowered their Prime lending rate again to 2.45%!!