Frank Carroll Mortgage Team
720 Mackay Street K8A 8J8 Pembroke, ON, Canada

Happy Friday! Life is short, we're sending our amazing team home at 3PM today to enjoy this beautiful day. We'll be back in the office at 8AM monday morning! Have an amazing weekend everyone!!! -- Neil and Laura

Frank Carroll Financial will be closed until 1030 this morning on account of the poor driving conditions. Stay safe everyone!

On this episode of CTV Morning Live's Mortgage Minute Frank Napolitano joins host Henry Burris to discuss the upcoming 2018 stress test and what qualifying factors they are scrutinizing. Apply online at www.mortgagebrokersottawa.com

More mortgage rule changes announced today from the Government (OSFI). People looking to buy a home with 20% down payment, or those looking to refinance their ...homes for renovations or debt consolidation should be talking to their Mortgage Agents now. New rules come into effect January 1st, 2018. http://www.mortgagebrokersottawa.com//rule-changes-osfi-f/ See more

It's been a great week here with the FC Mortgage team as we have donated 100$ on our clients behalf to The Phoenix Centre. The Phoenix Centre works with children, youth, and their families to improve their mental health and well-being.

I encourage everyone to sign up for this and share it with all potential homeowners. This extra tax will cripple the housing market in Ottawa and Area. The Ontario Liberal Government's Ministry of Municipal Affairs and Housing has confirmed to OREA that they plan on giving municipalities the ability to charge a second municipal land transfer tax. Please Help STOP this unfair tax grab! The Municipal Land Transfer Tax (MLTT) Go to www.DontTaxMyDream.ca and tell your MPP!... On October 26th, the Ottawa Real Estate Association (OREA) launched their latest campaign against the spread of the Municipal Land Transfer Tax - www.DontTaxMyDream.ca. The urgency of this issue can't be emphasized enough - the Ministry of Municipal Affairs and Housing has confirmed to OREA that they plan on giving municipalities the ability to charge a second municipal land transfer tax. Unless we can change their minds, legislation granting these new powers could come into force as early as Spring 2016. Meaning the tax could show up in our local market as early as Fall/Winter 2016! This is a quick and easy way to protest this additional tax. This site takes 2 minutes and gets the message across. Do it now, Please. Thanks. www.DontTaxMyDream.ca See more

If you’re frustrated with your bank not always offering you the most competitive mortgage rate, give us a shot! We will always offer you the lowest rate available!

The Frank Carroll Mortgage team can offer you a 5 year fixed rate a 2.59% *OAC

Let us give you a no obligation second opinion.

Do you need to help a family member purchase a home? You can do so with as little as 5% down.

https://youtu.be/HGeCv3rCljI

Are you building a house? We have great options for builders mortgages. 613-735-4141

Bruised Credit? We can help!

Bank of Canada Rate Decrease

The Value of a Mortgage Broker

Frank Napolitano joins Jeff Hopper on CTV Morning Live to discuss the difference between Banks and Monoline Lenders

Are prepayment privileges important to you? get in touch with us to find out how we can find the right mortgage for you.

CMHC Fees increasing as of June 1st 2015. CMHC announced last Thursday that the default insurance fees for anyone buying with 5% down (up to 9.99% dp) will now be 3.60% instead of 3.15% effective June 1st. There are no changes to purchases with d/p of 10% or higher. Thinking of buying a home this spring - give us a call today before fees go up.

Rates are dropping!! Do you need a new mortgage or is it time to refinance? Give us a call today! 613-735-4141. Our Mortgage Rates Term Bank Rate Our Rate... 1 Year Closed 3.29% 2.69% 2 Year Closed 3.09% 2.19% 3 Year Closed 3.39% 2.39% 4 Year Closed 3.89% 2.49% 5 Year Closed 4.49% 2.69% 7 Year Closed 5.29% 3.39% 10 Yr Closed 5.79% 3.79% VRM Closed 2.85% 2.15% Line of Credit 3.85% 3.50%

Timely since today is the last day to contribute for 2014 tax year - do you need to repay your home buyers withdrawal?

3 minutes of great information on the current mortgage rates: http://www.ctvnews.ca/video

'Tis the season for giving. In the last week we have given $100 donations to the following groups on behalf of our mortgage clients: Bernadette McCann House Pembroke Regional Hospital MRI Fund x 2 Renfrew County Women's Sexual Assault Center Save a Family Plan... Westmeath Rec. Center See more

Frank Carroll Financial is very pleased to announce that Ed Cotnam has joined our team as a financial advisor. Ed brings with him over 33 years of experience i...n Pembroke and the surrounding area, advising clients with great integrity and proven results. We invite you to give Ed a call to discuss your insurance, investment, and employee benefits needs. 613 735 4141 See more

Does a room in your home need a paint update?

$100 has been donated to the Pembroke Regional Hospital MRI as part of our Mortgage giving back campaign. Place your mortgage with us and you can choose what charily you'd like your $100 donation to go to.

Today is another great day for giving back to our community. Thanks to our recent client that placed his purchase plus improvement mortgage with us, we have donated $100 to the Kidney Foundation of Canada!