Cheryl Morrier
235, 6025 12th Street SE T2H 2K1 Calgary, AB, Canada

Interesting.....

....and rates are amazing right now!!!

...and here's to a promising 2021!!!! Take care!!

Thank you for all the warm donations!! Greatly appreciated!!

Please call me if you can contribute to this great cause! I can pick up from you too if that helps!!!

CHECK OUT EVENTS PAGE for our shredding event this Saturday August 22nd!

Look forward to seeing you there!!!

Something to prepare for!

You will find this interesting!!

Happy Canada Day!!

These families are so special!!

I am so proud to be a part of Community Key!

Our Quantus family is very special!!!

Another fun Quantus contest!! Bring on your Dad pix!!!

Breaking News Canada Mortgage and Housing Corporation (CMHC) has just announced tightened guidelines effective July 1st - Higher credit scores required... - Tightened qualifying ratios - No borrowed down payment Theres never been a more crucial time to work with a broker. Contact one of our mortgage brokers for more information! https://www.cmhc-schl.gc.ca//cmhc-reviews-underwriting-cri

Please nominate your "special hero"!!!

This will be very informative!!

Where would we be without all these invaluable essential people?? Please nominate your hero!!!

Looks like were going to see some big changes soon... May 14th, we can finally visit our hair dressers!

We all know someone that is going above & beyond these days!! Please nominate them!! Take care, stay healthy & safe!!

Accountants, marketers, lawyers, bank employees, and even us mortgage brokers, all need a shout out! With the changing business landscape in the last few weeks, business service owners have been doing their best to keep up with the news and answering client questions. Lets continue to support these local business owners by sharing their information and services below! #supportlocal

Hey! Just wanted to share this with anyone who might need some assistance through this tough time. They will start accepting applications on April 6! https://www.canada.ca//s/benefits/ei/cerb-application.html

This is my all time favorite movie....new version of songs for COVID-19!!! Sing along!!!

I know there are a lot of questions about mortgage payment deferrals as a result of COVID-19. It may take some time for you to reach your lender, but know they are working extremely hard to help all their clients. I have a quick FAQ to help you navigate these questions. If you are going to miss your mortgage payment within the next five days, contact your lender! Some lenders will let you skip-a-payment directly on their online portal, however, it may still be subject to review. Contact me for more information.

Below is a call list for financial institutions that may be able to provide some insight or relief to you about your mortgage during COVID-19. Feel free to reach out to me as well - I am here to help! ATB Financial: 1-800-332-8383 B2B Bank: 1-800 263 8349 or [email protected] BMO Financial Group: 1-877-895-3278... Bridgewater: 1-866-243-4301 or [email protected] CIBC: 1-877-454-9030 CMLS Financial: 1-888-995-2657 or [email protected] CWB Optimum Mortgage: 1-866-441-3775 or [email protected] Equitable Bank: 1-866-407-0004 or [email protected] Connect First Credit Union: 1-403-520-8000 Chinook Financial: 1-403-934-3358 First Calgary Financial: 1-403-736-4000 First National Financial LP: 1-866-557-5509 or [email protected] Haventree Bank: 1-855-272-0051 or [email protected] HomeEquity Bank: 1-866-331-2447 or [email protected] Home Trust Company: 1-855-270-3630 or [email protected] HSBC: 1-888-310-4722 ICICI Bank: 1-888-424-2422 or [email protected] Lendwise: 1-800-675-7022, Option 4 Manulife: 1-866-677-4366 or [email protected] MCAP: 1-800-265-2624 or [email protected] MERIX Financial: 1-877-637-7881 or [email protected] Marathon: 1-855-503-6060 or [email protected] National Bank: 1-888-835-6281 RBC: 1-866-809-5800 RFA: (formerly Street Capital) 1-877-416-7873 or [email protected] RMG: 1-866-809-5800 or [email protected] Scotiabank: 1-877-303-8879 Servus Credit Union: 1-877-378-8728 TD: 1-888-751-9000 #mortgagesupport #COVIDmortgagerelief

This is is going to be alot of fun!!

Sometimes we forget to say how grateful we are. The world is in a very unique situation right now. We are all experiencing immense stress, panic, and uncertainty, and yet, we are all coming together in unprecedented ways to help each other. We want to share our sincere thanks to the people who have been helping all of us through:... All healthcare professionals and first responders who are already supporting those who are in hospital while testing for new cases, Grocery store owners and employees keeping up with the increased demand and stocking shelves as quickly as they can, Call centres and helplines fielding countless calls for financial aid, Business owners supporting their employees through work closures and layoffs while still getting work done, Food delivery services and all the amazing people who are volunteering to help people who cant make it to the store, And our industry partners who have quickly responded with solutions and havent missed a beat with their service. Lets continue to share our thanks and support these amazing people any way we can!

The Canada Mortgage and Housing Corporation (CMHC) and other mortgage insurers offer tools to lenders that can assist homeowners who may be experiencing financial difficulty. These include payment deferral, loan re-amortization, capitalization of outstanding interest arrears and other eligible expenses, and special payment arrangements. The Government, through CMHC, is providing increased flexibility for homeowners facing financial difficulties to defer mortgage payments on h...omeowner CMHC-insured mortgage loans. CMHC will permit lenders to allow payment deferral beginning immediately. Please contact me for more information: Phone: (403) 818-4373 Email: [email protected]

|| UPDATED: April 7, 2020 || COVID-19 Mortgage Payment Relief: Whats Available to You There is some good news in this very stressful time for people who are w...orried 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 3-5 business days for a response. Lender Contact Information: Alterna Savings Credit Union: 1-877-560-0100 ATB Financial: 1-800-332-8383 B2B Bank: 1-800-263-8349 or [email protected] BlueShore Financial: 1-604-982-8000 or 1-888-713-6728 BMO Financial Group: 1-877-788-1923 Bridgewater Bank: 1-866-243-4301 or [email protected] CIBC: 1-877-456-2422 CMLS Financial: 1-888-995-2657 or [email protected] Coast Capital Savings: 1-888-517-7000 Community Trust: 1-800-268-1576 Canadian Western Bank Optimum Mortgage: 1-866-441-3775 or [email protected] Desjardins Credit Union: 1-855-688-2433 DUCA Financial Services Credit Union Ltd.: 1-866-900-3822 Envision Financial: 1-888-597-1083 Equitable Bank: 1-866-334-3313 or [email protected] Connect First Credit Union: 1-403-520-8000 Chinook Financial: 1-403-934-3358 First Calgary Financial: 1-403-736-4000 FirstOntario Credit Union: 1-800-616-8878 First National Financial LP: 1-866-557-5509 or [email protected] Haventree Bank: 1-855-272-0051 or [email protected] HomeEquity Bank: 1-866-331-2447 or [email protected] Home Trust Company: 1-855-270-3630 or [email protected] HSBC: 1-888-310-4722 IC Savings: 1-416-253-4007 ICICI Bank: 1-888-424-2422 or [email protected] Industrielle-Alliance: 1-800-463-4396 Lendwise: 1-877-637-7881 Manulife: 1-877-765-2265 or [email protected] MCAP: 1-800-265-2624 or [email protected] Meridian Credit Union: 1-866-592-2226 MERIX Financial: 1-877-637-7881 or [email protected] Marathon: 1-855-503-6060 or [email protected] National Bank: 1-877-281-0144 Prospera Credit Union: 1-888-440-4480 RBC: 1-800-809-5800 RFA: (formerly Street Capital) [email protected] If your mortgage begins with 4: 1-866-939-5005 If your mortgage begins with 6: 1-877-776-6888 If your mortgage begins with 7, 8 or 9: 1-833-228-5697 RMG: 1-866-809-5800 or [email protected] Scotiabank: 1-800-472-6842 Servus Credit Union: 1-877-378-8728 TD: 1-888-720-0075 Vancity: 1-604-877-7000 Verico Canada Lifestyle: 1-855-805-7107 XMC: 1-877-775-2970 What you need to know: Phone lines are currently very busy, so expect to wait at least 30 minutes to 1 hour for a representative. As always, reach out to your broker to talk about what other financial options might be available to you right now. Were here to help you navigate the next few months.

For the next few weeks, we're all having to adapt to new work and school schedules. But for some people, these changes may be significantly impacting monthly budgets. To provide some assistance, certain lenders are implementing policies that will allow their clients to skip a mortgage payment or defer the payment for a specified period of time. Many of these lenders are allowing their clients to make these options without paying applicable fees or impacting credit ratings. If you want to know if these options are available to you, give me a call. It could help you better prepare for a few uncertain weeks.

There is a lot of tension in our communities right now about COVID-19, and as such, were taking the virus very seriously. Like many of our business partners, were taking a proactive approach to reduce the spread of the virus by: - Avoiding large groups of people. Even our team meetings have been moved to video and conference calls, - Working with clients over the phone or web conferencing,... - Reducing or rescheduling non-essential travel, - And most importantly, practicing good hygiene by frequently washing hands. While many of our brokers typically work from a home office, there may be some slight delays from lenders and other business partners as they transition to virtual workspaces. Make sure to speak with your broker if you have any questions about these impacts. Were monitoring this situation closely and will make adjustments for the health and safety of our team and clients as we receive updates.

Independent Mortgage Brokers often times have rates that not only beat the banks, our relationship with lenders means quick turnaround times, and flexibility with our underwriters. Call me to find out the other perks of working together! Call me today: 403-818-4373

Happy International Womens Day! https://giphy.com//bigcartel-women-internationalwomensday-

I'm so happy my client, Liana won our Live Your Best Life giveaway! She shared this awesome video of her and her family at the beach with us at Quantus Mortgage Solutions. I hope they are all enjoying the Mexican sun!

The charity we support at Quantus Mortgage Solutions - Community Key has been nominated as a Canadian Mortgage Professional Awards finalist in the Excellence in Philanthropy and Community Service division! We're excited to be celebrating five years of Community Key and look forward to recognizing this achievement at our 5th Anniversary Gala and Silent Auction on March 13, 2020.

I hope everyone has a wonderful day with their families!

Happy Valentine's Day! For those of you spending it with your partners, here's some cute and quirky date ideas: https://www.narcity.com//valentines-day-in-calgary-11-cute... And for those of you celebrating PALentine's Day: https://www.narcity.com//single-on-valentines-day-in-calga

This 0.15 percent difference in a mortgage rate would lower mortgage payments by $31 per month or $372 per year and $1,860 over the five years on a $400,000 home! https://calgarysun.com//big-banks-lower-five-year-fixed-mo

I feel so proud to be a part of the Quantus team! Celebrating 10 years in business

It's double the amount of pages now - so make sure to carve out some extra time this year! https://business.financialpost.com//the-cra-just-redesigne

"Effective Jan. 1, 2020, condominium corporations will be able to seek recovery of the deductible portion of the corporations insurance claim up to a maximum of $50,000 from a condo owner for any damage that originates in their suite or private area." If you want clarification on what this could mean for you, feel free to reach out to me! Read more:... https://globalnews.ca//alberta-condo-owners-insurance-de/ See more