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May this new year be filled with happiness, prosperity and many precious moments with your loved ones. Happy Lunar New Year 2021!

#ThrowbackThursday (Home Edition)! Today, the powder pink counters and appliances might turn many off but did you know that the colour pink played an important role in the 1950s? Inspired by the favorite color of first lady Mamie Eisenhower, pink was an exceptionally popular color for kitchens and bathrooms in the 1950s. Mamie loved the color so much, she would get everything she could in pink. Even her cotton balls were pink!... Dubbed "Mamie pink," the color soon became a national symbol for the joy felt at the end of WWII. As families worked at the remaking of the American household, pink was incorporated in many homes. It was particularly common in kitchens and bathrooms. Because of Mamie, the perception of pink totally changed. The color was no longer one that just happened to look good on the first lady. Pink was suddenly a symbol of class, refinement, and patriotism. What do you think? Do you like the bubbly pink, or is it a little too much?

Hello Friday! So nice to see you! How was your first week of 2021? Productive? Exhausting? Encouraging? Relaxing? All of the above?

In recent days the Canadian media has been reporting with speculation over the future of interest rates in Canada. With the Bank of Canada holding its overnight interest rate at the effective lower bound of 0.25% as recently as January 20th, the sudden explosion of rate-rise paranoia comes as somewhat of a surprise. Don't buy into the hype or fear of "rumors" when it comes to your money and your investments. The Bank of Canada has not yet indicated that they are going to incr...ease rates and, at this point, they don't have plans to raise rates before 2023. But of course, that could always change without much warning. When in doubt around changes to your mortgage in the future, give us a call. We are happy to share our thoughts and professional opinions with you to help you make the best decision for your future.

Check out Lifehacker's best household hacks of 2020 to help make your life a little bit easier throughout 2021! The 3rd slide is particularly handy regarding what to do (and what not to do) when it comes to disinfecting your phone.

As a Mortgage Broker, I can guide you through all of your options allowing you to make an informed decision based on your current and future needs. Having a professional expert in your corner helps you by: Providing you with advice on all of your financial options. Saving you time with one-stop shopping.... My team and I negotiate on your behalf. We provide all of the choices so more choices means more competitive rates. We ensure that you get the best rates and terms. Ongoing support and consultation. Contact our team at 'Mortgages By Jen' powered by DLC Gold Financial Services today and we can help you through the process.

As we start the first official work week of 2021, what is one thing that you want to accomplish this year? Share your goals in the comments so we can cheer each other on!

Hi Jen's Bitmoji here from 'Mortgages By Jen'. Want to know why CMHC really made some policy changes to underwriting their mortgage applications? But its not all bad news, listen up!

Did you know that today is "Make Your Dreams Come True" day? Is buying a home on your "dream list" this year? Contact our team at 'Mortgages By Jen' powered by DLC Gold Financial Services today so we can help make your home dreams come true!

Make the most of your investment! Simple things like having the moss removed from your roof and having it properly treated by a professional can substantially extend the life of your roof. Ask us for a referral to a company near you if you need help getting any home maintenance job done!

If you’re worried that you’ll overspend on your credit card this holiday season, the CHIP Reverse Mortgage could be for you. The CHIP Reverse Mortgage is a financial solution for Canadians over the age of 55 that allows you to access up to 55% of your home’s value in tax free cash. The money can be used for whatever you want. This could include consolidating debt including credit cards renovating your home, or increasing cashflow at certain times of year, such as the hol...iday season. CLICK HERE TO LEARN MORE: https://dominionlending.ca//how-a-chip-reverse-mortgage-ca Contact our team at 'Mortgages By Jen' powered by DLC Gold Financial Services today if you have any questions!

Looking to sell your house this year but don't know where to start? CLICK HERE TO LEARN MORE: https://dominionlending.ca//ultimate-checklist-for-selling... Contact our team at 'Mortgages By Jen' powered by DLC Gold Financial Services today and we can help you through the process.

The Amortization Period refers to the number of years it will take to pay down the principal balance of your mortgage in full. The most common amortization period is 25 years. Are you a first time home buyer and not sure where to start? Contact our team at 'Mortgages By Jen' powered by DLC Gold Financial Services today if you have any questions!

Did you know that you can visit my website at any time to see the current variable and prime mortgage rates? Visit www.mortgagesbyjen.ca today! Looking to buy a home this year? Contact our team at 'Mortgages By Jen' powered by DLC Gold Financial Services today!

I was recently asked what is my "why"? Why am I a Mortgage Broker and why do I continue to work in this industry. I love this industry. I love the end game where first time home buyers are able to achieve home ownership. Or when a family is able to utilize their equity to free up cash flow and now a weight is lifted off of their shoulders. Or positioning clients to buy an investment property so they are creating a nest egg for themselves. These are the types of things that m...ake the hard days manageable. I know my clients get what they need and I was able to be a part of the process. If you need help with your mortgage this year, let's chat. I am always here to answer any of your questions!

Day 2 of 2021 and not much has changed but I do look forward to seeing what the rest of the year has in store for all of us!

This past year has been a rollercoaster ride but the highs definitely outweighed the lows when it came to our awesome clients. Thank you for being here, for trusting us and for referring us. Cheers to an amazing 2021!

Did you know that today is "Cut Your Energy Costs" Day? Here is a reminder of 7 FREE ways to cut your home energy costs now: 1 Turn off the air or turn up the thermostat.... When it’s hot outside, keeping your home cool is a big energy expense. To save on your air conditioning costs, turn off the air conditioning when you’re at work or not home or set your thermostat to 78 degrees. This temperature is optimal for air conditioner efficiency, therefore, you will spend less while keeping your home cool. 2 Turn off the water. Most people leave the water running while they brush their teeth or shave. This not only wastes approximately 3 gallons of water but wastes money too. Instead, before brushing your teeth fill a small cup with water, shut off the faucet and use the cup when you’re ready to rinse. When shaving, fill the sink with water and turn the faucet off until it’s time for your final rinse. Keeping the faucet off is a free way to cut back on energy and water usage. 3 Unplug everything. Turning off your television and laptop are great ways to conserve energy, however, you can reduce even more energy by unplugging your television, laptop, hair straightener and chargers. Many electronic devices and appliances draw power even when they’re switched off. Unplugging is a quick, free way to reduce your energy costs. 4 Wash large loads. When washing the dishes or clothes, its best to fill the washer or dishwasher with the largest load possible. When these appliances run, even if they are on a small load setting, they often use just as much water and energy as a full load. 5 Take colder showers. Most families have at least one person who thoroughly enjoys taking long, hot showers that steam up the entire bathroom. Did you know that if you take colder showers you can save on two monthly bills? By taking colder showers you can save on your energy and water bill because hardly anyone enjoys staying in a cold shower for a while! Start getting everyone in your family to take colder, shorter showers! 6 Cook outside. Using the oven in your kitchen heats your home, resulting in a greater need for the air conditioning to stay on and at full blast. Cooking outside is a great alternative so you can keep the heat out of your house and leave the thermostat at the most energy efficient temperature. Definitely take advantage of the summer weather and use your grill. 7 Let it air dry. Whether it be your hair or clothes that need drying, let them air dry before going straight to the hair dryer or clothes dryer. A typical clothes dryer uses around 3,000 watts per hour. This means that letting even one load of your clothes air dry instead of using a dryer is equivalent to avoiding approximately 5 pounds of carbon dioxide (CO2) emissions. Cut back your dryer usage to save more and reduce CO2 emissions. Share a tip in the comments on your best way to cut energy costs at home!

Traditionally, banks and other lending institutions have sold their own products. As markets for mortgages have become more competitive, however, the role of the mortgage broker has become more popular. Mortgage brokers exist to find a bank or a direct lender that will be willing to make a specific loan an individual is seeking. Contact our team at 'Mortgages By Jen' powered by DLC Gold Financial Services today!

Rates are at a historic low! 2020 has provided a fantastic opportunity to refinance or renew early. With a reduced interest rate, you will have lower monthly payments, and increased principal reduction getting you to be mortgage free quicker!

Contact our team at 'Mortgages By Jen' powered by DLC Gold Financial Services today!

Last weeks' interest rate announcement is to no surprise, the overnight target interest rate remains at 0.25%. So the bottom line is the prime rate for variable mortgages and home equity line of credits will remain unchanged and also for the foreseeable future as well. Bank of Canada forecasts rates to remain low until 2023. Contact our team at 'Mortgages By Jen' powered by DLC Gold Financial Services today!

Bank of Canada again confirms their overnight target interest rate will stay low until 2023. Bottom Line: Interest rates will remain low for the foreseeable future. The pandemic will largely determine the growth of the economy and the government's response. Experts suggest that the second wave will last through the winter and that a widely dispersed vaccine will not be available until the second half of 2021. Contact our team at 'Mortgages By Jen' powered by DLC Gold Financial Services today if you have any questions!

Thank you Erin & Brian at Eagle Acres Dairy Farm for hosting our client appreciation event for the families, we had such a great time! Also, a big thank you to Stacy at The Grove Photography for such beautiful photos. #mortgagesbyjen #mortgageca #canadamortgage #langleymortgage #homeownercanada #hometipscanada #buycanada #realestatecanada #realestatelangley #langleyhome #langley #genworth #fraservalley #fraservalleyrealestate #fraservalleyhome #canadahome #fraservalleymortgage #homelangley #shoplangley #fraservalleyphotographer #langleyphotographer

Since the spring, we have had some pretty incredible interest rates available in Canada. This being one of the many side effects from COVID-19, however this one can actually be beneficial for many of you! Contact our team at 'Mortgages By Jen' powered by DLC Gold Financial Services today!

Housing activity has been particularly robust with substantial existing home sales in July and August. With record-low mortgage rates, buyers are satisfying their demand for more space and for moving further from city-center congestion. This urban exodus is more than anecdotal. You can get more for your money, and with many people working from home, long commutes don't seem to be as relevant. Click in the he link below to read an article written by Dr. Sherrry Cooper. https://mailchi.mp/dom/bank-of-canada-holds-rate-at-25-bps