Denise Laframboise

I have 57 different lending parter options to assist with financing of a home, rental property or cottage. . I not only can secure the financing but help with planning before we get there. . Banks pay me to provide customer service on their behalf. They still do the underwriting & servicing of the mortgage.... but you get independent, unbiased advise that can save you thousands and costs you nothing. Pretty great right? ... . If you or someone you know has a mortgage question please sent them my way! . . . #home #homesweethome #whitby #ajax #pickering #courtice #uxbridge #oshawa #bowmanville #coburg #homeowners #rate #interestrates #realestate #toronto

14% of Canadians move every year. So here are my questions.... . Renters: why aren’t you buying? Or why aren’t we making a plan for you to buy in a few years? Planning ahead will help you reach your goals .... Homeowners... are you porting your mortgage are you bridge financing are you being charged a penalty are you increasing or decreasing your mortgage amount? are you being told it’s best to make a second mortgage so now you have 2? . Moving is complicated. It’s important to understand what your mortgage options are and what it is going to cost you so that you can plan accordingly. . If you know someone planing to move please send them my way [email protected] I would be happy to answer their questions! See more

Have you thought about buying another property? cottage? rental? condo investment? .... In this environment of low rates and high home values it is the perfect time to strategically position yourself to purchase another property. . Do you know that HOW you renew your mortgage can affect how you qualify on the next property? . If you were ever thinking of buying something else let’s talk. A phone call could change your life! . Book a call at www.Denise laframboise.ca See more

Would you live here? It’s the highest suspended residence in Canada and it could be yours... https://www.blogto.com//massive-skybridge-two-towers-tor/

thoughts? https://betterdwelling.com/canadian-bank-your-house-makes/

Let me tell you who I love helping.... women. . Sorry guys. . Did you know that after divorce you CAN buy a home?... . With a little planning and guidance we have lenders who will: - use child support as income - use child tax credit as income - use alimony as income - use contact income - use part-time income . I will help men too... but I helping women move on & buy a property on their own! . A big congratulations to my clients moving on this month... you know who you are... I am so proud of how our planning paid off! I know for some it was a long road to get here but I am so happy you trusted me to help! . . . . #divorce #separation #newhome #movingon See more

I decided it was finally time to have a new website. @n_design_studios made it happen! . It’s a great feeling to have one of my 2021 goals done on day 10. Onto the next one! . Check it out at www.Denise laframboise.ca... . Thank you @normjolin . #webdesign #websitedesign #website See more

With many people working from home I think adding a workstation will be a popular renovation this year. Check these ones out: https://www.houzz.com//10-great-kitchen-workstations-stset

https://www.houzz.com//kitchen-of-the-week-new-layout-and-

What 2020 can really use is some holiday cheer..... Our annual contest is back for its 4th year. Here is your inspiration for the Denise & Nicolee Show is your sparkle - with @n.k.evans.mortgages If you live in Whitby, Ontario & decorate your home you can enter your address and your favourite charity for a chance to win $1000 for more decorations for you & $1000 for your charity of choice. You can enter here: https://www.surveymonkey.com/r/QN9R38V How does it all work?... 1) Homes get decorated & registered via the link above 2) Dec 13th we will post a map of decorated homes & link to vote for your favourite 3) Winner will be announced in January & awarded their prize. contest rules: open to homes in Whitby, Ontario you must be the homeowner or have permission from the homeowner to register their home in the contest home addressess & charity chosen (not owners names) will be published on the map decorations will need to be on the outside of the home... this is a socially distanced contest, people will need to see decorations from their cars homes that have won in previous years (2017, 2018 & 2019) will not be eligible to win but still labelled on the map because they are AMAZING! We apologize if this upsets anyone but we want to support many charities & help different people buy more decorations each year :) drive safe, remain socially distanced & have a lot of fun!! map will be available & voting will be December 13th-Jan 4th. You must be an Ontario resident to vote, please one vote per person (unique email address). . . . . . . . . #whitby #whitbyontario #whitbymoms #brooklin #brooklinmoms #whitbyrealestate #brooklinontario #whitbyshores #durhamregion #durham #durhamregionmoms

What can I share that you don’t already know about me... let’s share some things about me: . I have super ticklish feet... yes I giggle during pedicures! . I would do almost anything over cleaning... except for washing dishes, I washing dishes by hand (it’s so rewarding)... . I am married to the most amazing man that I have been with for almost 19 years... and I still don’t really understand his job . I love being outside, especially near water. I grew up on Lake Huron and Gabe calls me a lake snob but I can’t help that I was spoiled by the sunsets, clear water and sandy beach. . It will be a rare occasion to see me with my finger nails painted (health care hands for life over here) . I love to laugh and just be silly... one of the best things that has come out of covid is all of the quality time, laughs and joy I have shared with my 3 daughters. I can’t wait to have more times like this with friends when this is all over. . I started to learn Jiu jitsu in 2020... I have now done more online classes than in person... looking forward to getting back to that when it’s safe to do so. . I suck at wearing heels and it’s not just because I haven’t worn them in a full year... I have always felt like a clumsy giraffe in them. . I like to do projects. We have don’t so many home reno projects or refinished furniture pieces, I love transforming something old into something with new life. . My favourite part of my job is helping people build wealth through strategic decisions in real estate. . I would love to hear about you too... #share See more

For anyone who has done a mortgage with us in the past year they have likely had the pleasure of dealing with the incredible Charlotte. She is the person that keeps me organized, on track and truly just helps every single thing in our office go smooth. I am so lucky to have her working with me every day and so damn proud of her completing her Mortgage Agent course with flying colours.

What is good credit for a mortgage? . Well did you know the score is just a tiny bit of the full credit picture? Here are all the other items that matter... . On the bureau a lender is looking for:... 2 open active items 2 years + history less than 30% of balance owing min $3500 available credit . Ok what will make you less desirable to a lender on your bureau: collections missed payments consumer proposals or bankruptcy high balances owing inquiries from establishments like cash money or easy financial items closed by garuntor . If you have questions on credit I am happy to help. [email protected] . . . . . . . #creditcard #credit #realestate #realtor #realtorlife #whitby #ajax #oshawa #pickering #courtice #uxbridge #portperry See more

Unfortunately today we head back into the red zone. Tighter regulations, more precautions & more devastation for our small businesses in Durham. . Let’s do our best to keep each other safe, look after our neighbours, & help when you can how you can. . Welcome to red... let’s do our best to head back in the other direction as soon as possible.

To help care for our neighbours this holiday season, I challenge YOU to help ME personally support feeding our community through Feed the Need Durham. For every $1 that you donate, I will match it, dollar for dollar up to $1000! . You just head to the link below to make a donation... remember to write Double Denise’s Donation in the comment box. . Every dollar of funding that @ftndurham receives allows them to collect and distribute $7 worth of food to our community in need... . Let’s double our impact today and nourish our community together. . Http://Canadahelps.org/en/dn/39126 . You can also check out more about feed the need at www.feedtheneedindurham.ca . . . #feedtheneed #feeddurham #durham #whitby #oshawa #ajax #pickering #portperry #courtice #uxbridge #clarington See more

looks like podcasts are on the rise... https://www.klusster.com//podcast-content-marketing-2-bill

What 2020 can really use is some holiday cheer..... Our annual contest is back for its 4th year. . If you live in Whitby, Ontario & decorate your home you can enter your address and your favourite charity for a chance to win $1000 for more decorations for you & $1000 for your charity of choice. You can enter here: https://www.surveymonkey.com/r/QN9R38V . How does it all work?... Homes get decorated & registered via the link above Dec 13th we will post a map of decorated homes & link to vote for your favourite Winner will be announced in January & awarded their prize. . contest rules: - open to homes in Whitby, Ontario - you must be the homeowner or have permission from the homeowner to register their home in the contest - home addressess & charity chosen (not owners names) will be published on the map - decorations will need to be on the outside of the home... this is a socially distanced contest, people will need to see decorations from their cars - homes that have won in previous years (2017, 2018 & 2019) will not be eligible to win but still labelled on the map because they are AMAZING! We apologize if this upsets anyone but we want to support many charities & help different people buy more decorations each year - drive safe, remain socially distanced & have a lot of fun!! map will be available & voting will be December 13th-Jan 4th. - You must be an Ontario resident to vote, please one vote per person (unique email address). See more

So insanely excited to see curbs going into our future home yesterday. . It might be the weirdest time in history to be planning construction and a new commercial space. . But someday, we will be hanging out in person... and until then.... it will be a beautiful place to zoom with you all!... . . . . . #newconstruction #brooklin #newbuild #commercial #commercialrealestate #newoffice #covid_19 See more

YES! https://www.narcity.com//canada-has-ranked-1-in-the-world-

The LCBO food & drink magazine features some great gift ideas from a local whitby business. Final Touch. Great ad Martin Kehoe!

How can we support small business right now? . Here are some great ideas from @bacd.sbec .. .... . . . #bacd #supportlocal #smallbusiness #localbusiness See more

By the end of September 16% of Canadian mortgages were deferred. . There were 498 000 mortgages returned to regular payments in September. . There are still about 297 000 Canadian mortgages still in deferral.... . Everyone was told that their deferral will not be held against them when they initiated that. And it is true. If you make no changes. . But.... . If you want to renegotiate to get a better rate or more money, or want to port your mortgage to a new house, or buy another property.... well, these will all be treated on a case-by-case basis. . Please know we have access to a lot of lenders. If your lender has an issue with your deferral we can look at other options. . A second opinion is never a bad thing. . . . . #deferral #covid19 #ontario #ontariohomes #home #homesweethome #whitby #ajax #pickering #courtice #uxbridge #oshawa #bowmanville #coburg #homeowners #rate #interestrates #realestate #treb #portperry See more

Today’s public service announcement is about reasonable timelines for closing during a pandemic... . Can we close something in 2 weeks? Well, I would love to say yes and the truth is it depends... for a file with documents all up front not requiring an appraisal with a great current lender who will issue a payout fast... sure. For the right file in the perfect conditions we can definitely do this. . But realistically, 4 weeks should be a minimum turnaround time for most file...s in this environment. . Many lenders are busy and taking longer than normal to underwrite files... remember that many of their employees are still working from home in less than ideal conditions. . Don’t get me wrong, I have lenders that are still amazingly fast... truly I got a commitment in 2 hours on Thursday from one (yup, amazing!) however, not all clients qualify with my lenders who are fast... we need the right client and to be organized ahead to make this happen. . Then we have appraisers busy dues to this crazy market and taking longer to get reports out. . And lawyers very busy and needing a bit more time . And the current lender taking longer to issue payout notices . And then we are also assuming the client has all their documents ready and doesn’t need to go search for anything... which isn’t typically realistic so that will take some time too. . And lastly, a friendly reminder that we are edging closer to that holiday break where many lenders and lawyers and appraisers will take some much needed days off... so be mindful of that too. . Again, can we make magic happen when we have to? Sure. But it is ideal if we set reasonable timelines so we don’t need to! . So if you are planning to put an offer on something part of our pre-approval discussion will be what a reasonable closing timeline is for your situation . Be safe everyone . #preapproval #holidays #2020 #whitby #realestate #realestatetips #realtor #oshawa #ajax #courtice #uxbridge #bowmanville #newcastle #pickering See more

Yup, that’s the average.... only 5% of pre-approvals actually find... so what does this mean? . Well, if you owned a business and 5% of consultations actually became a purchase that makes you money... how much effort would you put into them? That’s what banks think too! . This is why at the preapproval stage often clients documents are not reviewed and underwritten and their credit is not checked.... . And this is why we see people feel like they are treading water with no direction.... you would think what can you buy? Is a simple question to answer but it isn’t. . What you qualify for is determined by: Your income... not what you say you make... the to the penny income from your documents that can be used according to the lender policies and government stress test your credit. Not the free score you get off the internet... your actual FICO (formerly beacon) score PLUS your full credit profile and what it says about you down payment- how much money you have to put towards the property. Remember you also need to have enough money aside for closing costs too! lastly... the details of the property you place an offer on - property taxes, square footage (heating costs), condo fees & location . So this is why what can I buy isn’t something you can answer in 5 minutes... and if it is that quick you might want a second option.... truly my app can give you an answer in about 30 seconds but it is only as accurate as the information you put in there. So if you put that you make $80k/year and you don’t... well you can go buy a hone in that range but that doesn’t mean someone is going to give you the money to be able to close. . so that was a long post.... sorry. But not sorry because people need to know... call me for a full preapproval so we know what you can buy and you can give your realtor the correct price range to shop in for a home you will qualify for with multiple lenders... we want to know you have options and choice. . . . . . . #realestate #preapproval #getitright #whitby #oshawa #bowmanville #courtice #portperry #uxbridge #pickering #ajax #whibtyontario #brooklin #brooklinrealestate See more

Seriously... do you know what is in all those pages? . On the last mortgage transaction you did was everything explained to you? . Well that’s what I am here for.... . Everyone asks about the rate and that might be 4-6 paragraphs in all these pages... but what about all the other paragraphs? . If you have questions about your current mortgage, items to pay attention to or the mortgage market in general I am here to help. . . . . . . . . #whitby #oshawa #pickering #ajax #portperry #bowmanville #uxbridge #newcastle #courtice See more

Attention: BROOKLIN BUSINESS OWNERS.... https://www.whitbychamber.org/attend-events/event-calendar/

thoughts? I believe the condo market in Toronto will boom again. I believe that we can open our borders and instantly have buyers at some point later on through this pandemic. Plus people do eventually want to go downtown again, events and sports and concerts will come back. So it may very well be an opportunity to buy a condo low to sell later.... not yet. but at some point.... the question is when? anyone have some thoughts? https://betterdwelling.com/cmhc-warned-buyers-not-to-buy-/