Mortgage by Lance
5580 Vedder road V2R5P4 Chilliwack, BC, Canada

Happy Mother’s Day to this amazing women! It was a journey to be where we are now, heartbreaks and happiness. But you never gave up and continued to push forward that’s why they say strong as a mother right?? You are the beacon of our family and we love you so much!!

Know your 2-2-2 rule for credit. When you are being assessed for a mortgage, on your credit lenders look to make sure you can handle the debt you are going to acquire by: 2 forms of credit 2 years of credit history $2,000 minimum limit (can be spread over all your credits) ... This will help you when getting approved for a mortgage.

Another great weekend with the family, beautiful weather means bike rides to the river and little to no screen time.

There was an update yesterday regarding uninsured mortgages, they are in the process of reviewing the qualifying rate and all indications are that it will be going up. Right now the proposed change is from 4.79 to 5.25%. With the final announcement coming at the end of may!! To see what this means for you and how much you can qualify for now send me a message. ... [email protected] 778-808-6605

It was a great Easter weekend spending extra time with the family. Many eggs were hunted for and chocolates found in bunches.

Happy Easter everyone, enjoy some time with your family and collect all those eggs hidden around your house!

Well it’s competition day today, it’s sad we can’t be there in person for our little girls first dance competition. But she worked her butt off and is going to kill it.

Another good morning workout to get me in the mood for the day!! Bending bars and financing mortgages!!

Surround yourself with people who speak light not darkness. We all have had that crazy idea of how we want to live our life’s and there was someone that said it couldn’t be done because they gave up on their dreams/goals. Having people who support and lift you up can make a world of difference. Now go get it!!

With the ever changing fast pace of the real estate market, you need to be able to check what your budget will allow and get pre-approved on the go. Download my app and you are only a few clicks away from your shopping with confidence. (Link in bio) Lance Takacs 778-808-6695 ... [email protected] See more

Credit check ups are key to setting yourself up for success. Your credit rating plays an important role in determining if you qualify for a mortgage and if you can get the best rates. Before you go shopping check in on your credit, most of the time is you do it yourself through a variety of different websites it’s free and does not go against you. As you plan your next move so that if there are any issues you can resolve them or start getting back on track.

You have all heard the saying you miss 100% of the shot your never take. One of the greatest lessons you learn from sports is that failure is inevitable, no one succeeds 100% of the time. It’s what you do after you fail that determines your long term success, so pick yourself up dust yourself off and keep pushing forward.

2021 is your year, have you have been dreaming of owning your own house but not sure how to get started? That’s okay sitting down with a trusted mortgage broker can help you set a plan. You need to have a plan in place in order to take action to reach your goal! Looking at your personal short and long term goals and seeing what small things you can do today will set you up for the future and allow you to succeed. The market was hot at the end of last year and will continue to stay strong with the low interest rates. Money is cheap so let’s get you on the right track to hit that milestone!!

Well 2020 has come to an end, no one could have predicted it was going to be this crazy!! Now we all set our sights on what’s in front of us, thank you to all my clients/friends/partners for helping make 2020 a great year. Onward and upward bring on 2021!! ... Stay safe tonight everyone and we will see you on the other side

Merry Christmas from our family to yours!!!

Are you thinking of making that next step and purchasing your first house/condo/townhouse? The First Time Home Buyer Incentive is making some adjustments coming spring 2021, this will help people looking to purchase in Vancouver and Victoria respectively. What is the FTHBI? It is a program that helps you get your foot in the door with a portion of your down payment. ... Wondering if this can help you? I’d love to chat about the options and programs you are eligible for! 778-808-6605 [email protected]

This is our family of dedicated brokers ready to help you solve all your mortgage needs. Refinance Construction Purchase ... Commercial Spousal split Rental Fitness and health We have someone who specializes in all of the above, and our doors are always open weather virtual or in person!

As a mortgage broker this is something I get asked daily... what’s your best rate?? My answer is simple, what are your goals? Do you see yourself in this property for the next 5..10..20..30 years? Because that all plays a factor in determining what the best rate for you is. Doing the background work is important to me as it sets my clients up for the best possible options and allows them to make an educated decision knowing all the variables and factors, because your mortgage is your largest debt for most people!!

It’s interesting how many times in our lives the biggest obstacle we have to overcome is ourselves... How many times are you wanting to say YES to that opportunity or Yes to that new adventure. But then you stop and think about it for minutes, hours or even days and talk yourself out of it. There is no such thing as an overnight success there are building blocks behind the scenes that people don’t see and that is where you build your foundation!! Now let’s go get it!

One by one we can all make a difference!!!

It’s the time of year where we all start baking and busting out those Christmas family traditions! Or at least planning them! What are your favourite traditions you currently do with your family? Or ones that you used to do growing up?

Soaking up the nice weather while it’s still here with a nice brisk walk this morning.

Why?? This is simple for me, I lift early so that when I’m done at the office I can go home to spend time with my family. Staying healthy and fit are important to me to be able to keep up with my kids. If you have met them you will understand with how busy and energetic they are. Not to mention showing them how important it is both physically and mentally. ... I try and be the best version of myself in everything I do, to inspire others to strive for greatness!!

Halloween 2020 looked and felt different but we all had fun, and Batman even showed up to keep the penguin in line and protect the snow princess !!

Happy Halloween everyone! I know this year is going to be different but let’s all get dressed up and have fun with our families!!

Yesterday the bank of Canada announced they are not expecting to see major increases to the interest rate until we see inflation increase back to normal. Which they are not expecting to happen until 2023. This is great for anyone looking to purchase or refinance!!! Canada

New cards fresh off the press!! Get them while they’re hot!

The property is king when it comes to mortgages. Whether you are looking for land, construction or a commercial mortgage. The type of property and where it is located means everything. Before you make the purchase and sign on the dotted line have your broker and realtor work together to make sure you know exactly what you are getting into. We have access to all the tools necessary to help navigate around any potential concerns. Knowing all the details of the property makes the approval process that much smoother so you can focus on getting your family ready for the move!

Just over here doing Halloween things!!! How’s the pup o'lantern?

Did you know rates are the lowest they have ever been, in fact they are so low that you can consolidate all your debts and refinance with potentially lower monthly payments. If you haven’t had a mortgage check up to see how much you could save per month and give yourself a raise instantly.. I would love to do a check up for you, message me or give me a call and we can look at all your options!!

Pumpkin patch Covid style, it was fun to be able to get the kids to pick out their pumpkins for Halloween this year, now let’s just pray we can go trick or treating!!!

Happy Thanksgiving!! I hope everyone has a safe thanksgiving with your family’s!!

I got to spend the weekend just me and the little dude while the girls were gone. It was a blast and a great reminder, as we went for a walk which would take 5 minutes turns into an hour plus as Everett stopped to grab leaves,dirt and what ever else he saw. It’s funny how we are too busy in life to just stop and be in wonder of this beautiful world around us!!

Firstly thank you to those who are out there fighting the fires in new west and our neighbours in California and Oregon! Don’t get caught off guard as mortgage deferrals come to n end, it has been nearly 6 months since lenders were allowing the deferrals. Which means it’s time to start paying the piper. Let’s make sure your set up as payments restart to allow you to be successful! If you need any help or are confused what to do feel free to reach out and I will get you hoo...ked up with a financial advisor. Thanks for stopping by and I’ll see you next week!!