Canquest Mortgage

For those that don’t really need to defer mortgage payments this month, I suggest you wait until it is necessary. A deferred payment is not free money. You will have to pay the lender back with interest. Some excellent tips below if you decide to defer! 1) Request electronic or written confirmation that the payment is being deferred.... 2) Ask for the employee number or service rep’s name that confirmed your deferred payment. 3) Write down the day and time you talked to the customer service rep. 4) Place all supporting documentation and record-keeping in a safe place where you will actually remember where to find it. 5) Track both your Equifax and TransUnion credit reports for at least the next few months 6) If you do see an error, reach out to your lender and the credit reporting agencies to open up a dispute. See more

https://globalnews.ca//payment-deferrals-credit-score-can/

https://calgarysun.com//d292e948-7ead-4be3-b06d-b69f819b42

Bank of Canada lower the rate again. https://www.ctvnews.ca//bank-of-canada-key-interest-rate-c

For those that dont really need to defer mortgage payments this month, I suggest you wait until it is necessary. A deferred payment is not free money. You will have to pay the lender back with interest. Some excellent tips below if you decide to defer! 1) Request electronic or written confirmation that the payment is being deferred.... 2) Ask for the employee number or service reps name that confirmed your deferred payment. 3) Write down the day and time you talked to the customer service rep. 4) Place all supporting documentation and record-keeping in a safe place where you will actually remember where to find it. 5) Track both your Equifax and TransUnion credit reports for at least the next few months 6) If you do see an error, reach out to your lender and the credit reporting agencies to open up a dispute. See more

**** Mortgage Payment Options During COVID-19 **** There is some good news in this very stressful time for people who are worried about making their mortgage payments. Canadian mortgage insurers are backing the current crisis and are working with our lenders to develop policies to either skip or defer mortgage payments. However, its important to know that these are on a case-by-case basis so please, reach out to your lenders directly. You also may not receive an answer right... away. As each case is different, it may take 1-3 business days for a response. We recommend reaching out to your broker if you have any questions or concerns about what you should do next. We're here to help you navigate this stressful time. http://www.qmortgage.ca/?page_id=53551

Everyone has different circumstances but if you are a homeowner and are financially impacted with the COVID-19 outbreak, here are some customer service phone numbers for you to contact your lender to see how they can help to provide some assistance with your mortgage payments. 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 Connect First 403-736-4000 Chinook Financial 403-934-3358 First Calgary Financial 403-736-4000 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 National Bank 1-888-835-6281 RBC 1-866-809-5800 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

FYI: anyone who have lost a job or have had a reduction in income because of the Corona virus. Check with your lender in regards to miss a payment. This will not affect your credit and is a much better option than having a mortgage payment bounce.

Merry Christmas to all my clients and coworkers and friends!My mothers Christmas log - one of my favourite memories and traditions in our family!

Pop quiz. Can you name the make, model, and worth of the washing machine in your home? Your TV? The fridge? These are the details you may need to know when making an insurance claim after a flood or fire. https://www.home-auto-life.ca/article_post.php

Would you like a complete, risk-free home financing assessment? Or can we show you how to pay down your debt? Contact me today! https://www.canquestmortgage.com/contacts/

Even with the new incentive plan, first-time buyers will need to find the minimum amount for a down payment. We all know finding this money can be stressful. What strategies can you recommend to other first-time buyers?

Thoughts? Andrew Scheer grabbed early headlines on Monday by announcing his government would nix the mortgage stress test for homeowners renewing their mortgages, while lowering the bar for first-time buyers.

You know Marie Kondo right? Well Helen Youn (Helen Youn - Certified KonMari Consultant) is a professional organizer who specializes in the KonMari Method. She will be at the Calgary Fall Home Show

8 simple small space ideas - LOVE THIS

Who's going? Looks like another wonderful show. Save $2 buy buying your tickets online. https://www.facebook.com/events/781648592204060/

Are you struggling to make ends meet? Maybe debt consolidation is for you. Let me help you. Call or email me 403.242.4392 [email protected]... https://www.canquestmortgage.com//mort/debt-consolidation/

Should you rent or should you buy your home? This calculator helps you weed through the fees, taxes, and monthly payments to help you make a good financial decision. https://www.canquestmortgage.com//rent-vs-buying-home-cal/

My mission has always been to provide my clients with, "friendly, efficient and dedicated service". This is the etiquette I believe each and every client should have when dealing with a Mortgage Broker. I have over 30 years of experience in the mortgage industry, I have assisted many clients with their mortgage needs. Whether its a first time purchase, refinance, debt consolidation, taking equity out, or financing to build a dream home, I do it all. In addition, I assist my clients with second mortgages as well as private, and commercial financing.

Looks nice from the outside hey??? Agents Note: Brave people only, leave the kids at home or keep them supervised.

Some trends for interior design this fall: natural elements, brass, and black and white decor. Here are some of my favs....

How to choose the right type of paint when decorating a room...

I could spend hours on this site shaking my head....https://terriblerealestateagentphotos.com/ Which photo makes you cringe????

greengate Garden Centres has compiled a great list of fall preparation tips for your yard: https://greengate.ca/fall-preparation.html

Calgary edges out Vancouver and Toronto to rank as world's fifth most livable city

How do mortgage brokers work? I get asked this all the time... They can do all the hard work for you, from understanding your needs and personal circumstances to then guiding you through the application, getting your mortgage through to completion. They can cut out a lot of the red tape along the way. A mortgage broker will be able to find you the best rate and ultimately save you money. They are particularly invaluable if youre a first time buyer, self-employed, looking for a mortgage in later life or been turned down for a mortgage before, as they will know the lenders that are likely to lend to you.

IKEA unveils its key trends for autumn/winter 2019 View them here: https://www.housebeautiful.com//a28830445/ikea-autumn-win/

First-time home buyers could save $286 a month on mortgage payments under new federal program that starts today!

Nearly everything in your home can now be linked through Wi-Fi, allowing you to control functions like temperature, music, and security systems all through an app. This article explains it for you.

One great reason to refinance your mortgage is to secure a lower mortgage rate, saving yourself money over time. I can help you to ensure you maximize your savings. Give me a call anytime! 403.242.4392 or email: [email protected]

The Benefits and Risks of Co-Signing for a Mortgage. Read here...

Have you heard about Community Key before? Community Key helps families that are caring for a seriously-or terminally-ill child in assisting with their mortgage or rent payments. Come out and support this amazing organization!

New data shows the countrys youngest buyers are being affected most by the governments mortgage stress tests.

Some of these are amazing, but some.....hmmmmm. Check these out.

National home sales are slowly recovering from their dip in February.

Living in a neighbourhood is not just about your house, but the community and your neighbours around you" Great article!

You don't have to be a celebrity to feel like one. Here are some famous people's homes you can rent. Check out Frank Sinatra's home!! OMG!