Jasmine Findlay
398 Lloyd St. P3B 1P3 Greater Sudbury, ON, Canada

Did you know yesterday was #NationalVisionBoard day? It’s time to put those 2021 dreams into plans! Here’s how to make a home focused vision board: TOOLS: - a canvas like poster board (these can be found at the dollar store and come in a variety of thicknesses - I like the thicker 5 mm thick poster board over the others as they have more substance to them) - scissors... - glue - images and text Step 1 - Find and print images online of your dream home- outside and inside - different rooms you envision; style, etc.. Step 2 - Place your images and text items on the board Step 3 - Keep it front and center so it is constantly in your view - your bedroom or office works if those are areas you spend lots of time in Step 4 - Take Massive Action - what will you need to do to achieve these goals? Do you need to save for a down payment to buy this dream home? Do you need to plan renovations to your existing home to make it your dream home? One way is to work with a coach, like myself, who can help you shift your mindset and achieve your home ownership dreams!

Co-signors VS. Guarantors A co-signer will usually have their name on the title of the home whereas a guarantor’s name isn’t actually on the home title and do not have the same property rights as a co-signer would. Guarantors are usually liable for default only when the lender has done everything possible to get the primary borrower to make the payments. -... - Someone who co-owns the home with the person living in it (most common example would be a spouse) - Typically required when primary borrower doesn’t have the income to qualify for the mortgage on their own - Assume an equal portion of the mortgage liability as primary applicant - Their name appears on all of the mortgage documents and they are registered on title - They have equal responsibility in ensuring that the payments are made - Generally used when the primary borrower has the income to support the mortgage but may have credit issues preventing them from securing a mortgage on their own - Their name is on the mortgage but not on the title of the property - Their role is strictly to guarantee that the mortgage payments can be made in order to get mortgage approval - Typically becomes liable for default only after the lender has exhausted all other means of collection against the primary borrower - Generally in a better financial position than the borrower, but since they don’t own any stake in the home, generally assisting out of compassion (for example parent helping an adult child) If you’re wondering if a co-signor or guarantor will help you obtain mortgage financing, let’s book a time to chat http://calendar.jfmortgages.ca/!

Longest year ever! As we approach New Year’s I’ve been reflecting on 2020 and all the challenges it brought us. I always like to look on the positive side of things and three things that stand out this year for me include: - The Today's Mortgage Choice- The TMC Group team moving into our beautiful new office - Little D losing her first tooth!... - and of course successfully navigating working from home with a 6 year old for 5 months Thank you all for your support of Jasmine Findlay - Mortgage Agent this year. We look forward to seeing you in the new year!

After one of our busiest years yet, our team will be taking a well-deserved break this holiday season. Our offices at Today's Mortgage Choice- The TMC Group will be closed beginning December 24 and reopen on January 4. For any immediate or emergency assistance, please text or email me and I’ll get back to you as soon as I can! From our family to yours, have a safe and healthy holiday season. ... Merry Christmas - Joyeux Noël!

One sleep til Christmas! As I said one of our favourite traditions is pictures with Santa. Thank you to Helga Himer Photography - Sudbury, ON, for these beautiful pictures of Little D .

Q: ? A: A second mortgage is an additional loan taken out on a property that is already mortgaged. For the lender, this is more risky because they are in second in line should the homeowner default on their payments basically they run a higher risk of not being paid out in full. ... Q: ? A: A second mortgage can be a good way for homeowners to consolidate debt. When there is equity in the home, these are great for clearing up high interest debt, obtaining funds to do renovations or another purchase. Q: ? A: For individuals with an existing mortgage, with good credit and more than 20% equity in their homes, the most affordable second mortgage will be in the form of a home equity line of credit. If not a second mortgage through a trust company or private lender is required. Lenders will then examine your equity, income, credit score, and property. It is important to note that each situation is different it’s best to speak with a mortgage professional to take you through the options. If you still have questions about second mortgages or are looking for other financial advice you can reach me directly by phone at 705-805-8252!

Some of our favourite yearly Christmas traditions are putting up family ornaments getting photos with Santa taking a walk to check out the lights in our neighborhood, and as you've already seen,... our elf Winnie! What are some of your favourite holiday traditions??

Ahead of Black Friday I wanted to share some local small businesses that I love! From treats to stocking stuffers - enjoy my mini #ShopLocal Gift Guide for Sudbury! Go check out Present Simple for custom gift baskets, El Mercado for unique seasonal gifts and decor, Stitch & Stone for clothing, accessories and stocking stuffers, Esthetics By Yvette for spa day gift cards for facials, manicures, pedicures, and more as well as Northern Sugar Mama on Instagram for the cutest baked goodies!

Once you receive your mortgage renewal statement, it’s easy to sign on for another term . This may make sense in many cases but your family or financial situation may have changed since you bought your house. Make sure to take a look at these 10 things to see if you may need to look at other options. Questions? Send me a message or e-mail at [email protected] and we can take a look together! 10 ... 1. Have you explored all options? 2. Are you comfortable with your payments 3. Do you need cash flow for other things 4. Can you handle fluctuating rates 5. Will you sell soon? 6. Are you thinking about a major renovation? 7. When do you want to be mortgage-free? 8. Could you use your home equity to fulfill other goals? 9. Have your insurance needs changed? 10. Are you getting the best rate and terms?

Our Elf Winnie has been helping out around the Today's Mortgage Choice- The TMC Group office!

If we all could see the world through the eyes of a child, we would see the magic in everything..... #NationalChildDay

Did you know nearly 20% of all income earners in Canada are self-employed? Despite this it can still be difficult to obtain a mortgage. This is because it is not always easy to prove that you make enough money to pay your mortgage, and many business owners are motivated to expense as much as possible to minimize their taxes payable which many lenders do not recognize. Those who can provide a personal tax notice of assessment for the last 2-3 years and proof of income (and o...ther supporting documents) can generally access the same mortgage products and rates as traditional buyers. Those who cannot need at least a good credit history and provide a minimum of 10% down payment. . Because it is difficult to navigate which lenders specialize in self-employed mortgages, or have more favourable terms for the self-employed, this is where using a mortgage broker has obvious advantages. Mortgage brokers have access to multiple lenders and have a broad knowledge of the mortgage market. Send me a message if you have any questions about obtaining a mortgage while self-employed!

Halloween may be a bit different this year, but no one says you can’t still dress up and have fun safely! Here's my daughter in some of her costumes over the years What are everyone's plans this Halloween weekend?

We’ve talked about what a credit score is and why it’s important this week’s #TIPTUESDAY is how to improve it, especially so you can be approved in the future even if you aren’t right now! 1. Monitor your payment history Your payment history is the most important factor for your credit score.... always make your payments on time make at least the minimum payment if you can’t pay the full amount that you owe contact the lender right away if you think you'll have trouble paying a bill don't skip a payment even if a bill is in dispute 2. Don’t go over your credit limit. Try to use less than 35% of your available credit. It’s better to have a higher credit limit and use less of it each month. If you use a lot of your available credit, lenders see you as a greater risk. This is true even if you pay your balance in full by the due date. 3. Increase the length of your credit history The longer you have a credit account open and in use, the better it is for your score. Your credit score may be lower if you have credit accounts that are relatively new. 4. Limit your number of credit applications or credit checks It’s normal and expected that you'll apply for credit from time to time. If there are too many credit checks in your credit report, lenders may think that you’re: urgently seeking credit trying to live beyond your means 5. Use different types of credit Your score may be lower if you only have one type of credit product, such as a credit card. It's better to have a mix of different types of credit, such as: a credit card a car loan a line of credit

For this #GivingTuesday I would like to put a spotlight on Sudbury Women's Centre. By donating to SWC you are helping them provide support services to women in difficult life situations. SWC support services include programming, peer support, referrals and access to basic needs. You can donate at https://sudburywc.ca/

#TIPTUESDAY HOW SAVE FOR A DOWN PAYMENT 1. Make it a priority! Identify areas where you can cut back (vacations, eating out)... 2. Pay off debts you can’t save if you’re paying interest to someone else. Start with your highest debt interest, then the next. 3. Save more from work. If you get a raise take that extra money and save it in a separate savings account. Also try saving bonuses, extra sales commissions or tax refunds in your separate savings account. 4. Look for cheaper ways to do things. Libraries, groupons, and consignment stores are all great examples of how to still do the things you love for less! 5. Put your savings in a RRSP/ TFSA so there is gradual accumulation over time If you want to get a better understanding of your current situation so you can plan for your future, let’s chat. I can walk you through the process and we can make specific goals for your success. Send me a message or e-mail at [email protected] today!

2020 has been an economic rollercoaster for people all around the world. As uncertain as the situation is right now, it is natural to hesitate about making such a big financial decision. Real estate investments are always a good idea, as property prices often tend to rise with time. If you have the money and a desire to invest, buying a house is great but there are some things to take into consideration Your personal finances ... Even if you have savings, you have to consider if you can risk spending it as the unemployment rate has shot up everywhere. If you are feeling insecure about your employment and future, then it is better to wait. If you are in debt, do not invest. Focus on clearing the debt first and hopefully by the end of 2021, you can buy the house. The housing market Despite all 2020 brought the prices have not only held their own (and increased) but the local market has continued to set records and demand remains high. The best course of action for the remainder of 2020 is to stay updated. You can also apply for a pre-approval for a mortgage, so if the plan is to buy next year any challenges can be caught now and fixed beforehand. Send me a message or e-mail at [email protected] if a house might be in the plan for 2021 and we can start preparing together!

Happy Friday and a big congratulations to my round-up of new homeowners!! It was a pleasure working with every single one of you - thank you for trusting me to help with one of the biggest and most exciting decisions of your life! If you’re thinking about buying a new home or re-financing your mortgage I can’t wait to work with YOU and help you become my next client to achieve their home ownership dreams! ... Send me a message or e-mail at [email protected] and let’s get started

Today we encourage every individual, young and old, to pause, to give thanks and to remember the men and women who served and sacrificed for our country.

Although 2020 might look a little different, according to mymoneycoach.ca the average Canadian spends around *$1800* on travel, gifts, entertainment, food, and other related expenses during the Christmas holiday season. With less than 8 weeks till Christmas you can easily reduce your expenses, without reducing the fun, if you plan properly for the holidays! 1. Talk to family and friends about a holiday plan. What is reasonable for everyone financially this year, or i...s this the year to start new traditions? 2. Nail down your overall holiday spending budget gifts, festivities, decorations, travel, entertainment, babysitters, ubers, hostess gifts, etc. 3. Complete your gift list and revise it as necessary, keeping your budget in mind. Starting your planning now means that you have time to be more creative with your gift ideas (i.e. wine making!) 4. Watch for sales at the grocery store. Store them for later in the cupboard or freezer. 5. Avoid the buy now, pain later effect of credit cards. Pay with debit or cash as much as possible. If you are using a credit card, keep it simple and stick with one. 6. Keep a running tally of what you have spent and check back often. Update your overall holiday budget in comparison to what you have spent. If you have overspent in one area, look for ways to cut back in others.

Have you joined the #CleaningArmy this year? Back in the spring Canadian residential cleaning company GO CLEAN CO went viral on Instagram for sharing deep-cleaning tips to help people during the pandemic. The account grew to 100,000 as of mid-April and is now at 1.2 million followers! Her quaran-clean tips for at home cleaning that have gone viral include: - Laundry stripping ... - Covid cleaning for high-touch areas - How to clean your dishwasher and washing machine She has a ton of highlight stories on Instagram and offers handbook for how to deep-clean every room of your house. Have you tried any of the methods at home this year??

Buying a home for the first-time is an exciting time. You’re making quite possibly the most significant financial transaction of your lifetime. While buying a home is something to celebrate, it’s important to do your homework. Here are five of the biggest mistakes first-time homebuyers are prone to make and how to avoid them.... #1: Buying Too Much Home #2: Forgetting to Budget for Closing Costs #3: Buying Based Solely on Looks #4: Skipping the Home Inspection #5: Not Shopping Around for a Mortgage You can read more in-depth on how to avoid these mistakes in this great article from Canadian Mortgage Trends! https://bit.ly/2HkyFIn

Thank you to everyone who entered our little contest this month - Congratulations to our winner from Instagram at www.instagram.com/jasminefindlaymortgageagent ! If you have any questions or need any advice about home ownership, mortgages, or financing remember you can reach me by DM, phone, or e-mail. Have a great weekend everyone! 705-822-6691... [email protected] See more

Today is the last day to enter to win this beautiful basket! How to win: Like my Facebook page! Like the original post from October 1... Tag 3 friends on the original post from October 1 Bonus Share the original post (and tag me so I can see!) for 5 more entries! Thanks to Present Simple for such a great prize and thank YOU for supporting small local businesses!

Happy Thanksgiving!

Hope everyone has a happy and safe long weekend with loved ones! #Thankful

One week left to enter!

#TipTuesday Why should you want to use a realtor to purchase your home? They can: Find homes that match your budget and needs. Although property search sites give you a sampling of what’s available, a realtor will research for you whether the asking prices is justified based on comparable home sales in the area. This ensures you don’t pay more than you have to for the home you want.... Dig up the big picture including facts on the neighbourhood, or info that the sellers may not disclose that are important to you. Negotiate an offer, including the price and other clauses and conditions in the purchase agreement without emotion (the home buying process can get emotional and stressful - a realtor takes care of a lot of that emotional stuff for you). Navigate the home inspection, and negotiate repairs or credits with the sellers (That 200+ page report you just paid for? Yes, a realtor can do help you understand what this report is saying). Decipher paperwork that could be filled with complex jargon and terms you don’t understand. Realtors are a wealth of information. If you are purchasing a home, a realtor’s services are free to you (the seller pays the commission upon the sale of their home), just as mine as a mortgage agent are. Why wouldn’t you use a free service that benefits YOU!

**GIVEAWAY *closed*** *Congrats to @charlotte.deanne who is the winner from Instagram!* 2020 has been a challenging year to say the least. With these challenges it makes me extra grateful for things like my job and a wonderful support system of family, friends, and clients.... Ahead of Thanksgiving I want to show my thanks to YOU with a custom gift box from Present Simple! I love surprising my clients with gift boxes like these when they move into their new home. From today (October 1st) until October 15th (two weeks) you can enter by doing all these things: 1) Like my page! 2) Like this post! 3) Tag 3 friends in a comment Want more entries? a) Share this post to your Facebook page (+5 entries) b) Enter on Instagram www.instagram.com/jasminefindlaymortgageagent Thank you for your support of local small business owners and good luck!!

Did you see the news? Last month the real estate market set more records! Looking to join in on the madness? I'm here to help! Send me an e-mail at [email protected]!

Some of my favourite inspirations for home decor this fall This weekend my daughter and I are going to a pumpkin patch to start! What is your home looking like for fall?

Credit checks don’t only mean a credit score - they give us the big picture so we can better serve you and your homeownership goals. These are important pieces of information that a lender will use to determine whether you will be approved for mortgage financing - whether they think you will make your payments every month and keep your end of the bargain, and whether they consider you high risk or low. There are times when people have had blips in their credit - maybe a mis...sed payment (or a couple of them) due to a marital breakdown, or a bankruptcy or consumer proposal due to the closure of a business. These doesn’t always mean that you will never be approved for a mortgage. You may need some guidance on how to clean that up or maybe you need a year or two to re-establish yourself after going through some hard times. But that is why I am here. I walk you through the process. I can help coach you on how to improve your credit if you are not able to purchase right now. Connect with me at 705-822-6691 or [email protected] and we can get started.

As a self-proclaimed foodie my favourite local restaurant is RESPECT IS BURNING Kitchen & Bar located in downtown Sudbury. My favourite dish to order (pictured!) is the Deep Woods Brushchetta and my fave dessert is the Dolcemisu When eating at RIB, you feel like you’re joining Rob and his family in their home. The atmosphere is warm and welcoming and comfortable and the food is always delicious. ... Where should I go next?? #SupportLocal

So you found a house and even got an approval for a mortgage... AWESOME! Don’t jeopardize your approval by purchasing a new vehicle or obtaining any new forms of credit. These new monthly liabilities can throw your Total Debt Service (TDS) ratio out of whack. The TDS is what we use to ensure you can comfortably manage your monthly liabilities - which can cause a lender to pull out of the deal.... If you want (or need) to buy a new vehicle or get a new credit card to purchase appliances or furniture, please wait till the purchase of the home closes and you have the keys in your hands prior to taking on any new forms of debt. #TipTuesday Need more advice on financing a new home or re-financing your mortgage? Send me a message or an e-mail at [email protected]!

Last week we had our first day of Grade 1! She was ready- excited and a bit nervous. I’m ready- excited and a bit nervous. ... The start of a new week - let's do this!

Treating every client like family. There is nothing I love more about my job than getting to know the clients I work with! Buying a home can be the biggest decision in your life and should not be a process that is rushed, but one that is handled with dedicated personal and professional service.... I'm here to help YOU find the best solution for your situation - not a one size fits all. Have a question or not sure where to start? Send me a message and let's go from there!

Our summer project this year was a backyard garden! As a family, we built a massive garden box and planted a ton of veggies and herbs. We had no idea what we were doing but have enjoyed the process of learning. Even my little one has loved watching all the plants grow and tasting the fruits of our labour - all right from our home.... We have enjoyed raw and steamed green beans and peas, wonderful herbs added to pasta sauces, lettuce for BLTs, and a massive harvest of tomatoes. What should we plant for next year?

vs. What’s the difference between a mortgage broker and a bank? As a mortgage agent I work for YOU while a mortgage specialist at a bank works for... wait for it... the bank. ... My job is to find the best lender (we have access to more than 65 lenders), product, and rate to best meet your lifestyle and future goals... whereas the bank can only offer you 1 product, which may not be right for you. Buying a home is one of the biggest investments you’ll ever make... doesn’t it make sense to get the best mortgage available that matches your current and future lifestyles? Questions about how we can help? Send me an e-mail at [email protected] or reach out at 705-822-6691!

Time for a re-introduction! I’m Jasmine Findlay, a mortgage agent with Today's Mortgage Choice- The TMC Group. I have been in the mortgage industry for more than 3 years and what I love most about my job is helping people achieve their homeownership goals. ... I am also a certified Life Coach and with that I am able to help my clients get into the right mindset with actionable steps to change habits and get themselves into a better position financially. I am a mom to a high-energy 5 year old, an amateur foodie and a huge supporter of local businesses. Welcome to my page!

After months of quarantine my pages were in need of a makeover! Say hello to the new Jasmine Findlay - Mortgage Agent Facebook Page! You can also follow me on Instagram at www.instagram.com/jasminefindlaymortgageagent/. As a mortgage agent my job is to find you the best mortgage to meet your lifestyle and future goals for any situation. I will work with you to help you achieve your home ownership dreams.... Ready to talk or not sure where to start? Send me a direct message, give me a call at 705-822-6691, or send me an e-mail at [email protected]!

Check out our new office space!

For those with children or teenagers at home, this is a great article on how to teach them early about the value of working for money. It’s never too early to learn financial wellness. https://www.moneyprodigy.com/chores-for-money-chart/

Happy Canada Day!!

What do you think of this?

With more time at home, I’m finding new ways to keep occupied. Who still plays board games? What’s your favourite and when was the last time you played?

Sorry my peeps... it just doesn’t work like that BUT I can coach you through the process so you can become a real, qualified House Hunter. Ask me how. It’s business-as-usual (with a few modifications of course). #yourmortgagecoach #fridayfunnies #letmewalkyouthroughtheprocess

I’ve been taking advantage of the increase in my time being spent at home. I’ve been organizing inside and prepping for some outdoor projects. Looking for a few small DYI projects to complete while you’re at home? Here are some great ones that don’t need to add to any of those feeling of overwhelm you may already be feeling. ... Are you working on any projects?

Oh that poor Carol Baskin... always getting blamed #fridayfunnies #YourMortgageCoach #OntarioMortgageAgent #FindTheFunny

Mortgage Rates are Dropping!!! Whether you're looking to purchase a home or currently have a mortgage, now is the time that we should be sitting down and looking at your options. Let's book a FREE Mortgage Check-In to see what your best options are at this time.... Call/Text: 705-822-6691 Email: [email protected]

Life does not have to be perfect, just your mortgage rate! #yourmortgagecoach #ontariomortgageagent #tmcgroup #mortgages #lovemyjob

Have you tried some of your local coffee shops? These are wonderful spots where you can see the owners behind the counter or out chatting with guests, where the items that are served are thoughtfully created and loving made, and where we know that the money we spend is kept in our community. #supportlocal #eatlocal #localcoffeeshops #warmplacestomeetup

Exciting News!!!

We have a gorgeous new office to better serve our clients! Let’s sit down and take a look at your current and future home ownership goals. #yourmortgagecoach #ontariomortgageagent #lovemyjob #mortgages

No one sees your home quite like you do #fridayfunnies #christmasedition

Did you know that mortgage agents, brokers and their brokerages are licensed and regulated in Ontario? Not only does a regulatory body ensure that we are compliant in how we arrange mortgages, it forces us to be held to a higher standard of practice which ultimately protects you. You can ensure the mortgage professional you’re working with is in fact properly licensed by checking here: ... http://mbsweblist.fsco.gov.on.ca/agents.aspx

#fridayfunnies

My goal as your mortgage agent is to understand not only your current homeownership goals but also your future ones. This includes ensuring that you understand everything you are signing when it comes to potential pre-payment penalties. #YourMortgageCoach #OntarioMortgageAgent #KnowledgeIsPower

"Festival of Lights" will light the night sky this Sunday, November 17th. Maybe this is one of your family traditions for the holidays.

The "She-Shed"! #YourMortgageCoach #OntarioMortgageAgent #LoveMyJob #RenovationIdeas #OutdoorLivingSpaces #SheSheds

Thanks Connie McCue!

Tuesday Tips Did you know that high interest debt can be incorporated into your mortgage? Contact me today and let’s get rid of those high interest payments! #YourMortgageCoach #OntarioMortgageAgent #TuesdayTips

Congratulations Nina on the purchase of your second home! Thank you for trusting me with your mortgage financing and giving me the opportunity to walk you through the process. Wishing you and your family all the best! #YourMortgageCoach #OntarioMortgageAgent #LoveMyJob #HappyHomeowners