Karen Beckingham Verico One Link Mortgage & Financial
200-1215 Henderson Hwy R2G1L8 Winnipeg, MB, Canada

When considering the homeownership rate by age, we see some interesting trends. While all age groups have experienced a decline in homeownership since the 2008 recession, those aged under 44 have seen the most drastic reduction. Citizens aged 65 and over have remained relatively stable, with the highest level of homeownership at around 80%. Do you need the help of a professional to make the right financial decisions? Please do not hesitate to contact me 204.928.7714... . . . . #RealEstate #mortgage #mortgagebroker #MortgageRates #MortgageRefinance #realestateagent #agent #broker #RE #finance #brokerlife #house #home #impoor #newchapter #NewOpportunities #newbeginnings #2021 #life #goals See more

"Change is the law of life. And those who look only to the past or present are certain to miss the future." -John F. Kennedy . .... . . #RealEstate #mortgage #mortgagebroker #MortgageRates #MortgageRefinance #realestateagent #agent #broker #RE #finance #brokerlife #house #home #impoor #newchapter #NewOpportunities #newbeginnings #2021 #life #goals See more

It’s important to be realistic. So within a realistic framework of what you can afford, the more you put down, the better your terms. The days of zero down payments, especially on a mortgage, seem to be winding down. Putting more money down upfront will help ensure you pay less each month. Do not hesitate to contact me if you are interested in saving money! I can gladly help you at 204.928.7714... . . . . #RealEstate #mortgage #mortgagebroker #MortgageRates #MortgageRefinance #realestateagent #agent #broker #RE #finance #brokerlife #house #home #impoor #newchapter #NewOpportunities #newbeginnings #2021 #life #goals See more

The Bank of Canada 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. The Bank is maintaining its extraordinary forward guidance, reinforced and supplemented by its quantitative easing (QE) program, which continues at its current pace of at least $4 billion per week. You can read the full article here ... mortgageweb.ca/en-US/karenbeckingham/Blog/4415 I can help you make the right decisions. Contact me now 204.928.7714 . . . . #RealEstate #mortgage #mortgagebroker #MortgageRates #MortgageRefinance #realestateagent #agent #broker #RE #finance #brokerlife #house #home #impoor #newchapter #NewOpportunities #newbeginnings #2021 #life #goals #Bank #Canada

I save you money by sourcing the best products at the best rates, not only on your first mortgage but through every subsequent renewal. So whether you're buying a home, renewing your mortgage, refinancing, renovating, investing, or consolidating your debts.. I can help you get the right financing, from the right lender, at the right rate. Sign up for my newsletter and keep up to date. ... mortgageweb.ca/karenbeckingham/Lead/Newsletter?lang=fr-FR . . . . #karenbmortgage #RealEstate #mortgage #mortgagebroker #MortgageRates #realestateagent #agent #broker #RE #RElife #brokerlife #house #home #mortage #impoor #newchapter #newbeginnings #2021 See more

"Spend carefully, little expenses can sink your budget." I have access to mortgage products from over forty lenders at my fingertips and I work with you to determine the best product that will fit your immediate financial needs and future goals! Get in touch today, I would love to help 204.928.7714... . . . . #karenbmortgage #RealEstate #mortgage #mortgagebroker #MortgageRates #realestateagent #agent #broker #RE #RElife #brokerlife #house #home #mortage #impoor #newchapter #newbeginnings #2021 See more

"Karen is the ultimate professional. She is extremely knowledgeable and can put a client at ease so easily during a stressful process. She is kind and understanding and puts her clients best interests first and foremost. I would highly recommend her to anyone who is in the market for a mortgage. I would give her 6 stars! " - Lori Hudson... If you need professional advice, please do not hesitate to contact me! . . . . #karenbmortgage #RealEstate #mortgage #mortgagebroker #MortgageRates #realestateagent #agent #broker #RE #RElife #brokerlife #house #home #mortage #impoor #newchapter #newbeginnings #2021

While older Canadians may be more likely than their younger counterparts to require help and care in their daily lives, almost one-quarter of Canadian seniors aged 65 years and older are caregivers themselves. And while the roles and responsibilities of these senior caregivers may have changed in the context of the COVID-19 pandemic, the challenges they face could be heightened. If you need the help of a mortgage professional to make the right decisions, I'm here to help! ...: 204.794.5467 . . . . #karenbmortgage #RealEstate #mortgage #mortgagebroker #MortgageRates #realestateagent #agent #broker #RE #RElife #brokerlife #house #home #mortage #impoor #newchapter #newbeginnings #2021 See more

Many Canadian homeowners pay too much for their homes because they are not getting the best mortgage financing available in the market. But I’m here to help! I’m an independent, unbiased, expert, here to help you move into a home you love. ... Get in touch today 204.794.5467 . . . . #karenbmortgage #RealEstate #mortgage #mortgagebroker #MortgageRates #realestateagent #agent #broker #RE #RElife #brokerlife #house #home #mortage #impoor #newchapter #newbeginnings #2020

I wish you a very Happy New Year! . . . .... #karenbmortgage #RealEstate #mortgage #mortgagebroker #MortgageRates #realestateagent #agent #broker #RE #RElife #brokerlife #house #home #mortage #impoor #newchapter #newbeginnings #2021 #merrychristmas #happynewyear #2021 See more

Most homeowners simply sign the lender's renewal without shopping for the best rate and terms. I save you money by sourcing the best products at the best rates not only on your first mortgage but through every subsequent renewal. We shop for you, no charge... No cost switch program We give you Canada's best prepayment options Apply for mortgage renewal today mortgageweb.ca/karenbeckin/MortgageApplication/fr-FR/Style3 . . . . #karenbmortgage #RealEstate #mortgage #mortgagebroker #MortgageRates #realestateagent #agent #broker #RE #RElife #brokerlife #house #home #mortage #impoor #newchapter #newbeginnings #2021

Canada’s Federal Finance Minister provided a first multi-year peek at the impact of the pandemic on the Canadian economy and its finances in her Fall Economic Statement 2020. The deficit is set to soar to $381 bn (17.5% of GDP) in FY21an increase of about $40 bn since July estimates. At the same time, the government acknowledges it could be as high as $400 bn under alternative scenarios of extended and/or escalating COVID-19 cases. If you are in a difficult situation too, c...ontact me, I will be happy to help . . . . #karenbmortgage #RealEstate #mortgage #mortgagebroker #MortgageRates #realestateagent #agent #broker #RE #RElife #brokerlife See more

I wish you a Merry Christmas! . . . .... #karenbmortgage #RealEstate #mortgage #mortgagebroker #MortgageRates #realestateagent #agent #broker #RE #RElife #brokerlife #house #home #mortage #impoor #newchapter #newbeginnings #2021 #merrychristmas #happynewyear #2021 See more

Buying a home can be exciting and frightening all at the same time, so finding the right mortgage product and rate that fits your needs is important. This is where I can help! Contact me for FREE advice! https://ecs.page.link/v555F ... #MortgageBroker #KarenB #WinnipegRealEstate

"Victory comes from finding opportunities in problems" - Sun Tzu .... . . . #karenbmortgage #RealEstate #mortgage #mortgagebroker #MortgageRates #realestateagent #agent #broker #RE #RElife #brokerlife See more

Don’t wait for opportunity. Create it! #Quote #Winnieg #WisdomWednesday

"Karen was incredible! Our situation had many, many variables that affected it. Karen was on top of everything and kept us well informed at every turn. I cannot say enough praise for her professionalism and level of competency. I would recommend Karen without any hesitation to anyone requiring a mortgage. " - Colette and Nick V - Need help? Get in touch ... . . . . #karenbmortgage #RealEstate #mortgage #mortgagebroker #MortgageRates #realestateagent #agent #broker #RE #RElife #brokerlife See more

Tuesday Tip: Is this a Scam? Know the Red Flags! From spam emails to fake government workers asking for personal information on the phone, scams are all around us. Some are more obvious than others, but do you know how to protect yourself from the sneakier ones?... Here are some warning signs for both online and offline scams: https://ecs.page.link/tLVQd #KarenB #TuesdayTip #Scam

In the middle of difficulty lies opportunity. - Albert Einstein . .... . . #karenbmortgage #RealEstate #mortgage #mortgagebroker #MortgageRates #realestateagent #agent #broker #RE #RElife #brokerlife See more

Happy Thanksgiving Everyone! I hope you all enjoy your long weekend #Thanksgiving #Winnipeg #OnelinkMortgages

Is a 100-point increase realistic? Rod Griffin, director of public education for credit bureau Experian, says yes. The lower a person’s score, the more likely they are to achieve a 100-point increase, he says. That’s simply because there is much more upside, and small changes can result in greater score increases. And if you’re starting from a higher score, you likely don’t need a full 100 points to make a big difference in the credit products you can get. Simply contin...uing to polish your credit can make life easier, giving you a better chance of qualifying for the best terms on loans or credit cards.. Need an expert advise? Contact me! . . . #karenbmortgage #RealEstate #mortgage #mortgagebroker #MortgageRates #realestateagent #agent #broker #RE #RElife #brokerlife

The average value of home prices has been a boon for current homeowners. So, check the value of your home! Do more than check proprietary sites. While they can give you a sense of what your home might be worth in ideal conditions, you also want to know how the market is performing. Or you can contact me, I'd love to help ... . . . . #karenbmortgage #RealEstate #mortgage #mortgagebroker #MortgageRates #realestateagent #agent #broker #RE #RElife #brokerlife See more

Renewing your mortgage? I can help make sure you are getting the best rate with your mortgage! Just get in touch today!... . . . . #karenbmortgage #RealEstate #mortgage #mortgagebroker #MortgageRates #realestateagent #agent #broker #RE #RElife #brokerlife See more

Credit Score Tip: Pay every bill ON TIME every time! Your payment history accounts for 35 percent of your credit score. If you have trouble keeping your bills in order and staying organized with payments, set up electronic billing and payment reminders to stay on top of your bills!... . . . . #karenbmortgage #RealEstate #mortgage #mortgagebroker #MortgageRates #realestateagent #agent #broker #RE #RElife #brokerlife See more

Sometimes, it’s all about creating that right opportunity instead of just waiting for it to come! You can’t always rely on chance. We need to create opportunities that will lead to our goals and success. . .... . . #karenbmortgage #RealEstate #mortgage #mortgagebroker #MortgageRates #realestateagent #agent #broker #RE #RElife #brokerlife See more

Lest We Forget Thank you to everyone who has served both past and present. #WeRemember

One Link Mortgage is proud to honour our veterans with a digital poppy. #lestweforget

When you have a dream, you’ve got to grab it and never let go. Carol Burnett #WisdomWednesday #Dream #Quote

Tuesday Tip! 9 Ways to Keep Your Credit Score as High as Possible Read More! https://ecs.page.link/p5yVd ... #Tips #Tuesday #CreditScore

Don't forget! The real opportunity for success lies within the person and not the job! #Opportunity #Success #KarenB

Talk about a #throwback! Who knows which one is me?

How Refinancing Your Mortgage The Right Way Can Save You Money! Read the full blog! https://ecs.page.link/9igiZ ... #Blog #WinnipegRealEstate #Refinancing

The product that was the right fit for you five years ago may not be now. Not knowing what your options are could cost you thousands if not tens of thousands of dollars in extra interest and fees. I can help make sure you are getting the best rate with your mortgage. Learn more... https://ecs.page.link/HMJX #WinnipegRealEstate #MortgageRenewal #KarenB

I recognize people are unique and by understanding your needs, I make the mortgage experience simple and stress-free! Contact me today [email protected]... #Testimonials #FeedbackFriday #HappyClients

Curious about your mortgage payments? Use our online calculator to generate an amortization schedule for your current mortgage. Quickly see how much interest you will pay, and your principal balances. You can even determine the impact of any principal prepayments!... Use it for FREE https://ecs.page.link/LZrq8 #Winnipeg #OneLinkMortgage #MortgageCalculator

If you accept the expectations of others, especially negative ones, then you will never change the outcome! #WisdomWednesday #ThinkPositive

Even if you’ve already been pre-approved for a mortgage by your bank or another financial institution, you’re not obliged to stop shopping! Let me investigate to see if there is an alternative to better suit your needs. Contact me today!... https://ecs.page.link/j8oBz #Winnipeg #Mortgages #BestRate

Each year, the Bank of Canada has eight pre-specified dates for announcing any changes to the official interest rate. The scheduled dates for the interest rate announcements for 2021 are as follows... - Wednesday, January 20th - Wednesday, March 10th - Wednesday, April 21st... - Wednesday, June 9th - Wednesday, July 14th - Wednesday, September 8th - Wednesday, October 27th - Wednesday, December 8th Read more! https://ecs.page.link/pKqCM #WinnipegRealEstate #BoC #MortgageRates

I've always felt like the luckiest mom ever! #Throwback #TBT #Family

I love hearing from my customers! I am here to help you get the best mortgage that suits your needs. Contact me today! #TuesdayTestimonial #HappyClients

Hitch your wagon to a star

Hello September! Is anyone else ready for fall?

A mortgage renewal is a new agreement to extend or renew your current mortgage. It is important to know that you should not automatically sign any mortgage renewal form that is sent to you. Learn more about how I can help!... https://ecs.page.link/v555F #MortgageRenewal #KarenB #WinnipegRealEstate

Tuesday Tips! The Lowest Rate may not be the Best Rate I can help you figure all of this out! Contact me today for more information! https://ecs.page.link/v555F... #TuesdayTips #MortgageRates

Happy Labour Day weekend! #LongWeekend #Winnipeg #LabourDay

Remember, you miss 100% of the shots you don't take! #WisdomWednesday #TaketheShot #GoForIt

Tuesday Tip! Check and Strengthen your Credit Score Your credit score will determine whether you qualify for a mortgage and affects the interest rate lenders will offer.... Contact me today for more tips! https://ecs.page.link/j8oBz #TuesdayTips #CreditScore #WinnipegRealEstate

Remember, I'm here for all of your mortgage needs! Contact me today for any questions you may have. I'm only a message or call away! https://ecs.page.link/HMJX

Blog Alert! Winnipeg mortgage brokers warn fraud is a growing concern during Covid-19 Unless you have contacted your financial institution, you cannot be certain that a call, email or text you receive is really from your financial institution. If you are concerned, contact your financial institution. And to protect yourself, make sure you never provide your personal or financial information by email or text.... Learn more on how to protect yourself https://ecs.page.link/9igiZ #WinnipegRealEstate #ProtectYourself #KarenB

When you’re refinancing a mortgage or buying an investment property, probably the last thing on your mind is mortgage penalties, but by ignoring penalties you could be making a big mistake. I can help and make sure this doesn't happen! Contact me https://ecs.page.link/j8oBz

Do not anticipate trouble, or worry about what may never happen. Keep in mind the sunlight.

Happy Saturday, everyone! Do you have any weekend plans?

A mortgage renewal is a new agreement to extend or renew your current mortgage. It is important to know that you should not automatically sign any mortgage renewal form that is sent to you. Make sure you speak with me or your Broker before signing to ensure it makes sense for your short and long term goals!

Life consists not in holding good cards, but in playing those you hold as well

The more interest rates rise, the bigger portion of your monthly mortgage payments will go toward the interest versus the principal. Pre-payment privileges can help you pay down your mortgage faster! Contact me today for more information... (204) 928-7722 See more

I can’t emphasize enough how important it is to know your credit score before you apply for a mortgage. In order to qualify for certain mortgage products, a minimum credit score is essential. By planning ahead, this gives you time to fix any errors and possibly raise your score if it is below average. This could potentially put you in a higher credit score range and bring with it lower mortgage rates. Here is a quick summary of how different credit score ranges are viewed by... most mortgage lenders: http://ow.ly/lMiv50B0LAA #CreditScore #PlanAhead #WinnipegRealEstate

Happy Sunday Everyone!

Are you looking to renew your mortgage? Do you want to make sure you're getting the best rate and the best advice possible? Look no further! I am here to help! Call to book an appointment today for more information... (204) 928-7722 #YourMortgageBroker #WinnipegRealEstate

Be contented and happy for all the things that you have right now! #ThursdayThoughts #BeHappy

The stress test rate is about to fall for the second time in three months following cuts by Canada’s Big Six banks to their 5-year fixed posted rates. Mortgage experts say the Bank of Canada will reduce the benchmark qualifying ratea.k.a. stress test ratefrom 4.94% to 4.79% this week! Read more: http://ow.ly/b8fL50AWB3K... #StressTest #QualifyingRate #WinnipegRealEstate

Yay, it's Friday! Happy weekend, everyone! #FridayFeeling

Talk about a #throwback! Anyone want to guess when this was taken?

She was powerful not because she wasn’t scared but because she went on so strongly, despite the fear. Atticus #WisdomWednesday #StrongWomen

Wishing you all a great long weekend!

Looking for something to do this long weekend? Check out these out-of-the-way spots!

As the summer’s been warming up, so has the market for cottages in Manitoba! According to MLS listings, there have been 101 cabins sold so far in 2020 across the province compared to 66 over the same period last year. #CottageLife #Manitoba

When it comes to home improvement ideas, some are more financially savvy than others. And if you’re on a limited budget, it becomes even more important to be savvy. Here are 7 affordable home improvement projects that’ll help you enjoy your home more today and provide excellent financial return in the future! http://ow.ly/KCgk50ALrfK

Years of financial experience available to all my clients, and the best thing is my service is free. Really! Contact me for any of your mortgage related needs! #MortgageBroker #WinnipegRealEstate #MortgageMagician

June sales activity took a major step forward towards bringing year-to-date sales back to last year’s total. Our sales recovery which began in the second half of May confirms Manitobans are feeling confident in transacting in WinnipegREALTORS market region.

You can’t use up creativity. The more you use, the more you have. Maya Angelou #MondayMotivation #Quote #KarenB

Homeowners who paid the city's impact fee could soon get their money back!

The Bank of Canada maintained its target for the overnight rate at the effective lower bound of percent. The Bank Rate is correspondingly percent and the deposit rate is percent. Learn more below! http://ow.ly/quTk50AAggZ ... #MortgageBroker #LOWRates #ContactMe

No change to the overnight rate. Not surprised by this one.

What could you afford? Rates are so good right now, it is a good time to review your goals in homeownership, whether you are a first time home buyer or a move-up buyer. Give me a call if you have any questions!

Tip - always employ best practices to ensure you are optimizing your credit score & your overall credit profile.