Earl Smith, Halifax Mortgage Broker
1687 Bedford Highway B4A 1G1 Bedford, NS, Canada

With low inventory in Nova Scotia the housing market is still in favour of the seller. Houses are selling fast and going into multiple offer situations. If you are a buyer my best advice to you would be to be prepared. Work with a great team and get Pre-Approved!

I hope that everyone had a wonderful Easter weekend! Did the Easter Bunny visit your house?

Thought this was a good family #dadjoke you could use this Easter weekend. Everyone loves to count right!

In its latest release for February, Canadian Real Estate Association (CREA) reported that Halifax has a sustainable gain of $450,563 (+36.9%). Where do prices go from here? While prices are expected to keep marching forward this year, 2022 should finally see a return to more moderate appreciation.... In CREA’s updated forecast released this week, the association said it expects prices to post a 16.5% gain over the course of 2021 to $665,000. In 2022, it sees price gains falling to a more moderate pace of just 2%, to $679,341. https://earlsmith.ca//house-prices-reaching-new-heights-wh

What type of mortgage should I consider? Are you someone who likes a predictable payment or are you comfortable taking some risk to get a lower rate? A fixed interest rate is set when you sign for the mortgage; it won’t change for the entire term. A variable rate, however, will change according to market interest rates, which may cause concern for some. Did you know that I can hold rates for up to 4 months? If you've been thinking of purchasing, refinancing, or have an upcoming renewal please get in touch. [email protected]

Happy New Year!!! "Tomorrow is the first of a blank page of a 365 book. Write a good one." Brad Paisley. Dad Joke for the New Year: ... Did you hear?? An iPhone and a firework were arrested on New Year's Eve. One was charged and the other was let off.

Brokering Wishes is a group of dedicated Mortgage Brokers who have come together to raise funds for Make-A-Wish Atlantic Provinces. Over the past 4 years we have raised over $277,000 to help grant wishes to children with critical illnesses. This year due to Covid we have not been able to have our regular fundraisers such as our annual Gala Dinner however we are continuing on with new ways to raise funds. Here is our newest project: An online 50/50 raffle. The 50/50 draw will... be done monthly. This month's draw will close today, December 30th with the draw taking place Dec 31st. Get your ticket today! Please feel free to share to help out this amazing event. https://rafflebox.ca/raffle/mawcns/

Public Service Announcement from Batman. I thought I'd share in case you missed it.

It's "snow" joke, that I wanted to wish "Yule" a Merry Christmas! May all your sweaters be ugly and bright!

It was a high voltage situation there for a bit! Happy Friday!!

How's your Christmas shopping going? Are you like "A" and have it all done wrapped and under the Christmas tree? Or Are you like "B" and stressing over those last minute gifts that you still need to find? (Probably because your child finally mentioned that special item they hope they will find under the Christmas tree.)

Are you self employed? Approximately 15% of the Canadian labour force is self employed and you may have a bit of difficulty accessing finances to buy your home since your income could be a little less predictable. You will typically need to show a consistent average of income over 2 years plus some extra due diligence. There are also some great products out there especially geared towards the self employed that can apply in certain situations.... Want to know more, let's chat!

Lest we forget. We honour those who have given their lives serving Canada and helping others. Due to COVID-19 Government Rules, Restrictions and Guidelines many Remembrance Day services have gone virtually. We will remember those who fought for our freedom. Lest we forget.... https://www.facebook.com/events/359709168591105 See more

It's been a wild ride these past few months! The housing market has been thrilling, suspenseful and fast paced. Navigating clients through uncharted waters has become the norm for a Mortgage Broker. Helping you become a new homeowner, remortgage your home to get a better interest rate, and help you get pre-approved fast are a few of the services that we offer. It's an exhilarating time to be a Mortgage Broker!

Anyone else want to visit this restaurant with me? I feel there will be singing involved.

You can easily apply to the Heating Assistance Rebate Program for help with the cost of home heating. You can receive up to $200 if you qualify for the Heating Assistance Rebate Program. Check to see if you are eligible. https://beta.novascotia.ca/apply-heating-assistance-rebate-