Erin Livingstone- The Place to Mortgage; Mortgage Alliance
Ravensmoor T4A0V8 Airdrie, AB, Canada

Just a reminder that I have access to unique products and services to help you achieve your home ownership goals and also assist you with your financial needs beyond just mortgages. Ask me for information on home and auto insurance as well as a unique cash back Mastercard.

High interest credit card debt can take years to pay off when making the minimum payment. Did you know that you can consolidate high interest debt into your mortgage by refinancing? A strategy like this can potentially free up hundreds of dollars a month depending on your situation. Send me a message to see if refinancing to pay off high interest debt is the right solution for you.

2020 was a year to remember!! Thank you to everyone who trusted in me for their mortgage services. I appreciate you, so much

One call can give you access to tons of lending options you can’t get on your own. From major banks to private lenders and credit unions, using a mortgage broker gives you access to all of them. Contact me for a free consultation.

A lot has gone on this year in the mortgage market. We have had everything from rate drops to deferrals to restrictions come at us and your personal situation may have changed. As the year comes to an end, if you have not made time for your annual mortgage check-up, now is the time! Send me a message and we can review your situation, free of charge, to ensure you are getting the mortgage that’s right for you.

To best meet your needs, mortgage brokers like myself, have a wide array of products to choose from banks, private sources, independent lenders, etc. If you are in the mortgage market, we should talk. Whether you are looking to explore your options or get a second opinion, the lending options available could save you thousands!

Just a reminder how we are able to conduct business while keeping you and your family safe.

If you are thinking about buying your first home or moving up, now is the time! Bank of Canada Governor, Tiff Macklem made a statement informing Canadians that if you are thinking about making a large purchase you can be confident interest rates will stay low into 2023. Read the full report here: https://www.bankofcanada.ca//10/fad-press-release-2020-10/

Top 3 reasons homeowners choose to refinance: 1. Take advantage of a lower interest rate. 2. Consolidate high interest debt. 3. Fund home renovations.... If you interested in exploring your options send me a message. I'm here to help and my services are free.

3 Reasons you should use a mortgage broker vs going to your bank: 1.Better Rates Because lenders compete for our business, we get access to discounted rates based on volume and we pass these savings directly on to you. 2.Access to more lenders - When you apply for a mortgage at a bank or credit union, you only have access to the products they offer in house. With a mortgage broker, you get access to dozens of lenders. 3.Our services are free we are compensated by the le...nder. If you have questions about your mortgage or home financing options send me a message, I'd be happy to chat.

Are you an essential frontline worker? We currently have a specialty program available for all medical professionals, emergency service employees, correctional service employees, veterinary professionals and teachers. We have received funding to help save you money on your new home purchase, mortgage renewal or mortgage refinance!! Call us today if you would like to take advantage of this offer - it is available for a limited time, and while funds last! Do...n’t forget to mention #frontlineworkerpromo in your mortgage application. [email protected] www.erinlivingstone.com . . . . . . . #mortgagebroker #theplacetomortgage #doingmortgagesdifferently #yycmortgages #mortgageeducation #home #realestate #mortgage #property #broker #creditrepair #finance #refinance #mortgagespecialist #financialgoals #financialhealth #veterinarymedicine #frontlineworkers #frontlineworkerpromo #erinmortgages See more

Renewing your mortgage is your chance to renegotiate everything relating to your mortgage with no penalties! It is important to get in touch and start conversations early so there is time to review your financial goals and determine if it makes more sense to switch your mortgage for a lower rate or even refinance to consolidate debt.

Using a mortgage broker gives you access to lending options you cant get on your own. At Mortgage Alliance we deal with many lenders, from major banks to private lending. More choices with one simple call. Contact me for a free consultation.

Are you getting ready to buy your first home or move to your next home? The #1 thing you can do is get advice early. Talking with a mortgage professional like myself will help you understand: What you can afford The downpayment you need Costs involved with buying a home... Improving your credit Prepayment options Refinancing penalties (if you decide to do so down the road) Budgeting and more! Send me a message today and lets start the conversation.

Is it time to break your mortgage for a lower rate? For some the answer is easy, while for others in a fixed-rate mortgage it can become a difficult and complex question when facing prepayment penalties. What we know for sure is that rates are at record lows. If you are unsure of whats best for you, reach out. Together we will run the numbers to see what makes sense for you.

Did you know we have a promotion on right now? We are offering up to 5% cash back when you get your mortgage with us! Get a mortgage for $300k, get $15k cash in hand. OAC and some conditions apply. Call me and we can discuss your needs. Mortgages. Its what we do best! Sprinkled with financial tips and expertise to help make all your dreams come true! What would you do with an additional $10-$20k? Get your new mortgage, or switch your existing mortgage to us and lets find out! And you never have to repay it!

If you currently own a home, now is the right time for a mortgage checkup to find out if you can save on interest costs and what steps you can take today to help you get closer to reaching your short- and long-term financial goals. Always remember that as a Mortgage Professional Im here to offer you unbiased advice and answer any questions you might have. Please dont hesitate to reach out.

Thank you for all of your support! Its a strange world right now, and the economy is in a challenging position. Every file completed makes my heart happy!! Im so grateful for all of my clients #theplacetomortgage #doingmortgagesdifferently #mortgagebroker #airdriemomselite

Rates are low and can be locked in for 90 days. If you are thinking about buying a new home, contact me so you can be ready to make an offer.

With rates being low, and expected to stay for a while, now is a great time to unlock equity through refinancing or a home equity line of credit (HELOC). Refinancing allows you to access equity and possibly obtain a better interest term and rate. Where as a HELOC lets you keep the mortgage you are currently paying while getting access to a large sum of money. If you are interested in exploring the possibilities available to you send me a message for a free consultation.

Check out this open house today! Beautiful Townhome in Airdrie. Check out pricing breakdown in comments :)

We want to pay your mortgage! One lucky Mortgage Alliance customer will win the value of their new Qualifying Mortgage payments during their first year, up to a maximum of $25,000. Contact me for more details or click the link below. It pays to use the right broker!... https://www.mortgagealliance.com//MortgageAllianceWinYourM

Using a mortgage broker gives you access to lending options you cant get on your own. We deal with many lenders, from major banks to private lending options. When you are ready to renew, refinance or purchase your next home, contact me for a consultation.

Fixed or variable? How much of a down payment do you need? What is mortgage default insurance? Do you qualify for any first-time home buyer incentives? When it comes to securing your mortgage there are a lot of questions. That's where I come in. I'll help you navigate the process, present you with options, and ensure you get not only the best rate but the terms you need. Feel free to reach out with any questions, I'm here to help.

With interest rates low, and expected to stay there, now is a great time to refinance to pay off high interest debt. Use this as an opportunity to streamline your finances and incorporate everything into one payment, your mortgage. Contact me for a free consultation.

To improve something, it is important to understand it! Pay your bills on time, have a good mix of credit accounts, and keep a lower ratio of debt used to credit available. Regardless of your financial milestones it is important to know what makes up your score so you can keep it on track. Click below for more details https://www.consumer.equifax.ca//what-impacts-credit-score/

This kind of feedback makes my heart so happy. Even though this file did not close with me, I know that by working with this family they were in the perfect product for them! Helping you reach your financial goals is my top priority; honesty, integrity and hardwork are all part of my game plan to help you get there #theplacetomortgage #erinmortgages #doingmortgagesdifferentlly #earningtrustwithchoice #mortgageadvisor #goalgetter #financialhealth

Win your mortgage payments for a year! One lucky Mortgage Alliance customer will win the value of their new Qualifying Mortgage payments during their first year, up to a maximum of $25,000. Contact me for more details or visit: https://www.mortgagealliance.com//MortgageAllianceWinYourM

Do you know of anyone needing a mortgage? * * If you send a referral my way- your name is automatically entered in to win a $500 Gift Card *... * Thank you for supporting my business #airdriemortgagebroker #airdriemomselite #theplacetomortgage #entertowin #supportlocal See more

With all the information you have been hearing about interest rates and policy changes it makes sense to schedule a free mortgage check up. We will look at your current rate and term, discuss your plans and make sure your mortgage is right for you. Send us a message and we can start your mortgage check up today.

3 Reasons you should use a mortgage broker vs going to your bank: 1. Better rates Because lenders compete for our business, we get access to discounted rates based on volume and we pass these savings directly on to you. 2. Access to more lenders - When you apply for a mortgage at a bank or credit union, you only have access to the products they offer in house. With a mortgage broker, you get access to dozens of lenders.... 3. Our services are free we are compensated by the lender.

Are you a homeowner that can benefit from the current low rates? According to CIBC Economics, the weighted average mortgage rate currently paid by borrowers [is] roughly 50 basis points higher than the current rate no less than 20% of borrowers have already renegotiated their rates. We expect more to come. Contact me and we can do a cost/benefit analysis for you as well as look at other options.

This is an incredible read of why the lowest rates are not always the best option... if it looks too good to be true, it probably is. Ask yourself this- over the last 5 years has your life has changed? If the answer is yes... then you know that live can throw you curve balls when you least expect it (good and not so good) Have a read of this article to help understand what the true cost of lowest rate products are.

CMHC recently announced that as of July 1 they will be tightening their underwriting guidelines which will have a huge impact on buying power for Canadians. In Canada we have 3 companies that provide mortgage insurance for those who need to buy with less than 20% down. CMHC is the most popular because they are government owned, but Genworth and Canada Guaranty announced they will not follow CMHC in tightening their policy. This is one more reason why it is so important to work with a mortgage broker who can give you options.

GENWORTH mortgage insurer confirms they will NOT make changes to their underwriting policies following CMHCs announcement. Late last week CMHC Mortgage insurer announced they would implement changes as follows: 1. Increasing the minimum credit score to 680... 2. Decreasing the GDS/TDS ratios to 35/42 3. Removing the Flex down (borrowed down payment) option http://investor.genworthmicanada.ca//Genworth/default.aspx

With the recent CMHC announcement about qualifying for a mortgage, and our ever-changing rate landscape, now more than even you should be working with a Mortgage Broker. We deal with multiple lenders and flexible terms. As we have all seen over the past few weeks life changes, your mortgage needs to adapt with you. Contact me for a free, unbiased, consultation.

In the next 4 months.... Is your mortgage is up for renewal? Are you wanting to refinance to free up some extra cash? Or are you thinking of purchasing a new home? (Mortgage are rules are changing daily)... Click the link below to schedule some time for a free no obligation consult and review all of your options https://calendly.com/erinmortgages/mortgage-consult

We are slowly starting to see things pick up again as the province begins to open up. I have been getting several questions on how the payment deferrals will affect credit ratings moving forward. Here is a handy link from equifax that may help answer some of the questions you have. I'm always here to talk and review your options with you as well. Remember, If you want me to run a quick analysis and see if renewing your mortgage early to take advantage of these amazing rates makes sense, please send me a PM, or give me a call https://www.consumer.equifax.ca//coronavirus-manage-credit/

If you are looking to purchase a home this year, now is the best time to see how much you prequalify for! Interest rates are rock bottom, and inventory and price point is in your favour! Easy as 1,2,3 will get you started towards owning your dream home . Click on the link below to see how much you are prequalified for! *pre-qualification is not a pre-approval*... https://yourmortgagemarket.com//Mortgage-/Landing-Page-en

Thank you to all of my clients and my support team. Working with me for your mortgage services means more to me then you will ever know! Im here for you, and I will do everything I can to help you with your mortgage #theplacetomortgage #airdriemomselite #airdriemoms #mompreneur #mortgagebrokerforlife #earningtrustwithchoice

Are you aware of how penalties are calculated? Do you know the difference between fixed rates and variable rate mortgage penalties? Did you know roughly 60% of 5 year fixed rate mortgage terms are broken around the 36 month mark? If you answer no to any or all of these questions, you are not alone. Its your mortgage advisors job to ensure you know all of the fine print on your mortgage commitment, AND all of your options.

I work for you! As a mortgage broker I shop the market to save you money. One call gives you access to dozens of banks, credit unions and trust companies.

Getting in touch before renewing will simply help you make a better decision, especially since the current rate environment is very confusing. Its important to have the conversation early so there is time to review your financial goals, determine if it makes sense to switch your mortgage for a lower rate, or possibly refinance to consolidate debt. Overall, its an important moment of opportunity because you can renegotiate everything pertaining to your mortgage with no penalties.

Small Business Spotlight Week 7 During these uncertain times, we are here to support our local small businesses! We hope you will join with us!! Together we are stronger . We are excited to announce our week 7 small business spotlight shop local.... For week 7 we want everyone across Canada to show their support for their local small business. Thats right we want you to shop local (to you) this week. As we start to open up we want you to remember the importance of supporting your local small business. Many of our small business are family owned and run. So get out there and put a order in online or stop in to your favourite place. To help spotlight your chosen local small business make sure to tag us and them in your social media. Then send us your proof of purchase. We are all in this together!! Lets show each other how we can help lift up and support our local small businesses!! Rules: 1. Support any "local to you" small business. 2. Show us your proof of purchase that you supported a "local to you" small business. (Email [email protected]) 3. Show the "local to you" small business some love 4. You will be entered to Win the $50 gift card to spend at the "local to you" small business. We thank you for helping support your community and the local business within it! #supportlocal #smallbusinessspotlight #makingadifferenceinourcommunity #tptm #onemortgageatatime #onebusinessatatime #doingmortgagesdifferently #theplacetomortgage #launchinglocal

Should you break your fixed rate mortgage to save money? Every situation and mortgage agreement is different. Contact me and we can review your situation to see if the cost to break your mortgage is worth the savings over time.

Dont forget about our quarter 2 promotion!! Spend your summer nights curled up on your patio while staying warm with your new deck heater! Is your mortgage renewing from April 1st to June 30th? If you renew your mortgage with me in quarter 2 you will be entered to WIN a new deck heater . #tptm #doingmortgagesdifferently #onemortgageatatime #win #erinmortgages #summerlovin #yycmortgages #theplacetomortgage

Are you renewing this year, planning to buy or looking to unlock equity? The pandemic might have thrown a wrench in your plans and you are uncertain about your options. Reach out for free, honest, unbiased advice.