Emily Miszk Mortgage Agent

Hi friends! Laurel Legate and I will be co hosting a renovation information session in October. So many of you are making changes to your homes. If you are keen on learning more about the entire process this is a seminar you wont want to miss. Of course we wish it was in person like the one we did last year but we will make Google Hang outs just as much fun. Free event 50 spots available click the link to register with us.

https://youtu.be/_GSIhu5QsoU Beautiful home in my hood check it out.

Many local businesses are opening up again and I urge you to join me and the CLC Network in helping support them. A lot of small businesses and their families have been negatively impacted by the pandemic. We are capable of helping them in a safe and productive way. Explore our initiative today: https://buff.ly/31ut4qH

I am so excited!!!!!!! On September 7- Oct 2nd I will once again ask for your kind support by voting. I love my clients, job, partners, friends, and family who continue to trust me with YOUR mortgage and mortgage financing related questions. I love living and working in Port Credit - Mississauga.... I am grateful for the opportunity to get to know you, offer you advice and support. I appreciate how stressful buying a home is. I know you do it less than every day. I am always here to try and make it easier for you. Thank you so much for letting me be part of your home buying adventure I truly appreciate it. #mortgages #mortgageagent #portcredit #mississauga #local #lakeshore #mississaugard #advise #service #september @mississauganews @thestar #readerschoice #mortgagesaresexy #workhard #playhard

Inheritance When the down payment is coming from an inheritance, here is what could be required: A letter from the solicitor or a copy of the will is required to confirm the inheritance The letter must outline the amount and date when the inheritance was received ... A bank statement may also be required to confirm the funds were received and are still available See more

I absolutely love being part of a team where I can help add value. In an industry that lacks so much support, leadership, and training being a mentor in my opinion really separates The Mortgage Coach and our Network from any other brokerage or network out there. Thank you so much TMCO for being such a believer in our agents. I know for me when I see others thriving it makes me so happy. If you are looking to have a change in your career. If you feel your current brokerage isn...t offering the support you need to be successful or to meet your clients needs and expectations please reach out. I love our team, I love our brokerage and I love our Network. Thanks for the recognition I love serving you.

Just like BAM I have a 6 month old. There have been some dark days of 2020 but these eyes makes me so happy and smile Every. Single. Day. On this rainy day I love you so much for than yesterday my sweet Natalie Joe. @ Mississauga, Ontario

I love this careerbest team ever

Deposit with Offer and Deposits to Builder When the purchase is new construction and deposits have been made 90 days or more before the application, here is what could be required: Obtain a copy of the canceled deposit cheque(s) with evidence that the cheque(s) have cleared, or Statement of Adjustments prepared by the builder showing the deposits have been received, or Confirmation from the builders solicitor or customers solicitor via a Statement of Adjustments or trust ledger statement showing the deposit was received

For those of you who have worked with me personally or I have been lucky to be part of your home buying experience you know how much gratitude is built into my business. It is my pleasure and joy to help Canadians get into their dream home and be part of their home buying experience. It all started here. ... Join us this Thursday July 16th at 11am. Register now! http://ow.ly/VWoo50ArOhB Over the hour we will discover gratitude from within ourselves and find how we can discover reasons to be grateful throughout our lives. Well learn about the science of gratitude and the impacts this has on the psyche of a salesperson and finally we will identify how to use gratitude as an unconventional growth strategy in sales.

I love working with my clients and referral partners to make homeownership dreams come true. Do you leave people reviews? Did you know I get a lot of clients from my Google presence? IT is hard being a small business ESP in COVID times. If you have a moment today when or when you use a product or service in the future consider leaving a Google Review. I know it means the world to me. I bet it will to you small business friends as well.

Happy Canada Day! Ill be back tomorrow to help you with your home ownership dreams! #canada

EVENT!!!!!! July 2nd - 7pm- Mortgages, Refinancing, and Mortgage Insurance! Join me :) Emily Miszk The Mortgage Coach I will discuss the mortgage market and changing guidelines taking effect Canada Day. What these changes mean to you and how you can prepare to go into the second half of 2020. Topics include refinancing, investment properties as well as answer common questions I get on a regular basis.... Sheena Magnotta from Sunlife Financial will discuss mortgage insurance and how you can protect your loved ones. Bring your questions and feel free to share the invite with a friend we look forward to seeing you. Sheena Magnotta https://www.eventbrite.ca/e/mortgages-refinancing-and-mortg

Gifted Funds When the down payment is a gift from an immediate family member or relative (immediate family is defined as legal parent/child relationships, siblings and grandparents), here is what could be required: A gift letter must be obtained on file. A copy is available on Merlin. Gifted funds in borrowers possession: If the funds have already been gifted to the borrower, please obtain a copy of the borrowers bank statement confirming the deposit of gift. Gifted fu...nds still in donors possession: If the donor does not deposit funds directly to the borrowers bank account, there are two options to verify the donor has the funds: 1. The Signature of Representative, at the bottom of the gift letter, maybe signed and stamped by a representative at the financial institution, or 2. A financial or bank statement showing available funds, along with the gift letter Gifted funds in solicitor possession: If the gift has been provided directly to the solicitor, the solicitor is to provide: Statement of Adjustment or Trust Ledger Statement confirming the solicitor is in receipt of the funds, or A copy of the cheque or draft provided to the solicitor In all cases, the solicitor must confirm the name of the person providing the funds. Gifted down payments are not acceptable for borrowers that have previously declared bankruptcy. See more

Sale of Property If the down payment is coming from the sale of a property, here is what is required: A copy of the sale agreement for the existing property. The sale agreement must be a firm sale with all subject clauses removed The sale agreement must be supported by: The most recent mortgage statement or discharge statement to confirm the balance of the mortgage to determine the net equity The Statement of Adjustments from the solicitor must also be received as i...t shows the distribution of funds from the property being sold I may ask for an introduction to your realtor. The reason for this is they will send me a copy of the purchase and listing so you do not have to go digging through emails. See more

WHO IS ON YOUR TEAM? Skills I lack. Marketing and branding. Enter Vivie She will legit make anything pretty, correctly and fast. She is killer at ensuring all materials are made in a stylish and effective way. I can give Vivie a concept and she will run with it bringing something beautiful back to the table. Headshots, no problem, website updates shes got it covered. Things that as a mortgage agent we just arent sure or aware of how to do Vivie jumps in and kills it so I can focus on the things I do best. I am so grateful for Vivie and her skills Tell me who keeps you going? Tag them below if you can. Consider telling someone today how they make you feel and how you are motivated by them, respect them or enjoy their company you just might make someones day.

Just listed! Reach out to Adrian Coimbra or Andrea Turpin Coimbra for this one. It willnotlast

Investments If the down payment is coming from investments such as RRSPs, stocks, bonds, mutual funds, etc., here is what could be required: A recent investment statements. The most recent investment statement cannot be more than 120 days old and must cover a minimum of a 90-day period If any portion of the investment is locked-in or non-redeemable, confirmation that the borrower is permitted to access these funds without penalty is required. Note: If you are sending in a document that reads page 1 of 9, to make this a complete document, all 9 pages are required, regardless if the majority of the pages has no relevance to the balance, deposits or withdrawals in this account; all pages of the document are required.

Beautiful condo

Have you heard of the changes that CMHC made last week? This update might impact some homebuyers, but there are still many other options and solutions. Make sure to understand all the options you can present to your clients, as a realtor, and all the options you have as a homebuyer. If you are confused or just want to know more, comment or DM and Ill be happy to help.

LENDING UPDATE The COVID-19 pandemic is affecting all sectors of Canadas economy, including housing. Job losses, business closures and a drop in immigration are adversely impacting Canadas housing markets, which stand to see a 9% to 18% decrease in house prices over the next 12 months.... In order to minimize risks within our insurance business while supporting the stability of the economy, we are changing our underwriting policies for insured mortgages. The changes concern debt service ratios, credit scores and non-traditional sources of down payment.

Anyone else with me on this one?? This is 34. I am a big birthday person. I am not going to lie. I usually do something fun and exciting but with the way the world has been lately it is making it a bit tricky for me to go all out. What I will do and am so grateful for is pop a bottle of bubbles with my husband and kids. Any other ideas as to what I should be doing today? Should I have bought this Tee? #stolat! #birthday #celebrate

Closing Costs: Closing costs must also be accounted for. In Ontario, we use 1.5% of the purchase price. With some lenders Closing costs can be borrowed and included in the TDS. Note: Funds must be in a personal bank account. Down payment held in a business bank account must be deposited into a personal bank account prior to the closing date. In addition, a 90-day history of the business account is required along with confirmation that the funds were transferred to the personal bank account

It is very very rare I will get myself something new. I LOVE spoiling my kids, friends and family. But I rarely buy things for myself. Case and point-- The desk I have worked on for the last 3 years from home was my childhood desk. It worked.. but legit its been in my house since I was 8 years old or younger. GIRL get yourself a desk. So--- Covid has me reconsidering things. Josh needed a work station as he will be home for the next... WHILE and I am always from home... so it was time. My son the self-proclaimed "working man" set this up for me with Josh last night and I love it. Designated a small work station. Still in my bedroom, as we transition from having a new baby and Josh needs a quiet space to work too but for now this is perfection. Renos of 2020 to come. Eventually Ill have my proper private office but for now I love the hidden cords, colour and set up. Thanks, Josh and Ronmon you are my heroes. @ Emily Miszk Mortgage Agent See more

Ok! A few days late with the official 4month photos but here they are. Natalie Joe my sweet girl now you are 4months old. The days are actually going quite fast. The weeks are flying by. Each moment I am grateful I had you before all of these other crazy outside of the norm events happened. I am so happy you are healthy, smiling and truly the light in my day. Natalie can now roll back to front and then if given space from front to back! She giggles - and squeals which absol...utely melts my heart. She sleeps like a dream and really doesnt mind covid. She is a quiet little one and makes very little fuss most days. Like her brother. She is a pretty easy baby. We think teeth are coming soon. Loves to sleep on mama, drink milk and snuggle. Happy four month sweet Natalie we love you so much. @ Emily Miszk Mortgage Agent