Jill Fischer Mortgages

Your mortgage renewal is an opportunity to take advantage of offers that other lenders are making. However you do have to qualify all over again to move your mortgage. So what happens if you don't? Nothing really. Your currently lender will typically still offer you a renewal that you can sign and send back and life will return as normal. Unfortunately you may be stuck just taking what they're offering but generally nothing changes. I still strongly encourage you to reach ou...t to me for a quick FREE review and discussion of what their offering to make sure its fair and not posted rates, and to make a review goals and plans. Questions? Drop me a DM! #jillfischermortgagebroker #lloydminstermortgagebroker #lloydminster #firsttimehomebuyer #lloydminsterrealestate #yll #mortgagerenewal

Just a Monday morning reminder; any home you are buying to live in only needs a 5% down payment. This also applies to vacation homes or homes you're buying for a family member to live in ie. a condo for the kids to live in the city while they go to school. Questions? Dm me! #jillfischermortgagebroker #Lloydminstermortgagebroker #lloydminster #mortgagebroker #lloydminsterrealestate #themoreyouknow #firsttimehomebuyer #ournexthouse

The spring market is heating up here, let's make sure you're ready to buy a home! Here's what you'll need; Down payment. At least 5% of the purchase price of your home will be required. This can be from savings or a gift. Good Credit. A credit score of 680 is typically the minimum. Don't rely on what credit karma tells you though, they can be a good guide for your score but they're not then same as what lenders see. ... Documents. Documents. Documents. Job letters, paystubs, last two years Notice of Assessments and/or T4's to start with. A stacked team. You're going to want the expertise of experienced people on your team. A mortgage broker. A realtor. A home Inspector. A lawyer. People who do this all day everyday will help you get into your new home as smoothly as possible! Ready to get started? Give me a call and let's pre approve you! #jillfischermortgagebroker #lloydminstermortgagebroker #lloydminsterrealestate #yll #newhomebuyer #firsttimehomebuyer #mortgage #brokersarebetter #mortgagebroker

Congrats to these two new home owners! I am stuck for words today. I have typed and retyped about 40 things I could say, but I'll leave it at this. Thank you C&K for trusting me to help you buy your home. C you have always been a such a big supporter of mine, from being one of my first clients ever, to always liking and commenting on my posts. I wouldn't have a career if it wasn't for people like you #jillfischermortgagebroker #lloydminstermortgagebroker #newhomebuyer #lloydminsterrealestate #yll #friendswhosupportfriends #mortgage #movingonup

T E N Y E A R S Ten years ago this week I passed my licensing exam and became a Mortgage Broker. What a ten years its been! This anniversary completely snuck up on me. I don't have anything eloquent to say. I can't tell you how many mortgages I've arranged (one day I would love to do that math!) However, all I can manage to say is THANK YOU. ... Thank you to all my clients over the last ten years. My friends who trusted me, my family members. Thank you for telling your friends and families to use me as their broker. Your support has meant the world to me and my family. Thank you to all my realtors. Thank you for trusting me with YOUR clients, I know they are as important to you as they are to me. Thank you to my OG mentor Kathy Weeks. She likely won't see this, but she taught me you catch more fly's with honey and that always gets your file bumped to the top. *wrap it up music comes on* I can't thank everyone, there are so many of you who have helped me along the way. Just know, I see when you like my posts. I see when you share my posts. I know when you've passed my name on. To my family. Thanks and sorry for playing second fiddle to my phone most days. To the appraisers, lawyers, legal assistants, underwriters, Stephen, Janelle, Katie and Steve and everyone else along the way! Here's another ten and more! #jillfischermortgagebroker #lloydminstermortgagebroker #lloydminster #brokersarebetter #wherearemyeyebrows #yll #firsttimehomebuyer

"A Canadian home price index known to be the gold standard for measuring home price appreciation just recorded its highest ever increase for the month of December." Reach out for more information. --- http://ow.ly/ou2g50Dm39Y

"A growing chorus of voices suggesting the possibility of a micro Bank of Canada rate cut were tempered following a slightly more hawkish rate announcement on Wednesday." Reach out for more information! --- http://ow.ly/PPfa50DiMrK

A little @thelostgirlsguide truth this morning. #jillfischermortgagebroker #lloydminstermortgagebroker #lloydminster #yll #mortgagebroker #firsttimehomebuyer #behappy #bekind

Did you know; As a broker my services are free? I can offer mortgages from multiple lenders? ... One shopping! I don't work for one bank so I can offer unbiased opinions about the products being offered? If your mortgage is up for renewal switching to a new lender is almost always free? My hours are flexible and everything can be done remotely if you prefer ! Did you use a Mortgage Broker for your last mortgage? #jillfischermortgagebroker #lloydminstermortgagebroker #lloydminsterrealestate #firsttimehomebuyer #mortgagerenewal #brokersarebetter #refinanceoptions #lloydminster

Thanks M&J for trusting me (again) with helping with the purchase of your new home. I'm so excited for the next step in your life! Thanks for not asking us to help you move too #jillfischermortgagebroker #lloydminstermortgagebroker #skbroker #familyareclientstoo #newhome #skrealestate #growingfamily #makingmelookgoodatmyjob

"Starting the new year in a pandemic lockdown might seem like an omen, but all that isolation could also be an opportunity..." Reach out to our team for more information! --- http://ow.ly/rWaA50D2zgA

"The Bank of Canada today held its target for the overnight rate at the effective lower bound of percent, with the Bank Rate at percent and the deposit rate at percent." Reach out for further information. http://ow.ly/WSfz50DdvgY

In a perfect world every lender would like if all employment income was guaranteed with no risk of changes. However, this isn't reality. Here are things that lenders look at when evaluating income. Employment Income Income earned from employment, ideally non probationary. When a salary or hours are not guaranteed or the employer is a family-member, a two years of history with that same employer is typically required. ... Self-Employment Income Self employed people will be required to provide their last two years tax returns, and typically their last two years company financials, if applicable. Be prepared in Covid times to also have to provide recent bank statements showing continuing income during the pandemic. Overtime/Bonus/Secondary/Commission Employment Income earned on an overtime/bonus/commission or from a second job can only be included if there is a two year history showing the income is consistent. Tips or Gratuities Tips and/or gratuities may be included as income provided that this form of income is consistent, and is declared as income through personal tax returns. Alimony/Child Support Payments received for alimony and/or child support may be included into income when we can show over time that such payments have been fully and regularly made and are expected to continue on the same regular basis. Maternity Leave/Child Tax Benefit When someone is on maternity leave, we typically can use their return to work income. Most lenders allow child tax benefit to be used for kids under 12 years old. The big take away? If you're not on a salary be prepared to provide a two year tax return history for qualifying. Don't forget to save this pin for later! #jillfischermortgagebroker #lloydminstermortgagebroker #firsttimehomebuyer #howtogetamortgage #lloydminsterrealestate #yll #themoreyouknow #mortgagebroker #brokersarebetter

We're back from a great weekend at the lake. Rested, recharged, tried some new things and enjoyed this amazing winter weather we've been having. I want to say 2021 I'm ready for you but after 2020 I don't think anyone will say that again! ... #jillfischermortgageborker #lloydminstermortgagebroker #turtlelake #firsttimehomebuyer #mortgagebroker #lloydminster #ihdfam #isitevenjanuary #tisthedamnseason

We did it. We survived 2020. If I am being honest though, it wasn’t all bad! There may even be some new things that we’ve tried that we’ll carry into the future (hello waking up in my own bed on Christmas morning!). There are definitely things I want back ASAP (sports, travel and visiting my grandma’s!), but over all I have a lot to be thankful for in 2020. ... To everyone who supported my business this year by sharing a post, referring a client, or by using my services, I THANK YOU. I could have never imagined this year to turn out the way it did and I’m very grateful for it. Now here’s to more health, family, vaccines, vacations to sunny destinations and a roaring 2021! Peace out 2020, don’t let the door hit ya! #jillfischermortgagebroker #lloydminstermortgagebroker #peaceout2020 #cheerstotenyears #lloydminster #mortgagebroker See more