Mortgage Puzzle

#promotememondays The housing market right now is out of this world! Did you know that the average sale price of home has increased more than 65,000 dollars? ... Low Inventory on the market and incredible interest rates have the value of your home at an all time high. Not thinking of selling/buying??? That’s okay because your home has increased equity and you have a great opportunity to lower those interest rates and take advantage of some extra cash flow to pay down debt or finally get around to adding that pool or dream kitchen. Let’s connect and take advantage of this hot market. Joanne Murphy 416-616-5583 [email protected] located in Halton Hills; servicing all across Ontario See more

DID YOU HEAR? It has been proposed that on June 1st 2021, the qualifying stress test for a mortgage will increase to 5.25 % What does this mean for you? ... Well let me break it down any pre-approvals submitted and to lenders before the suggested change date will remain valid with the current stress rate of 4.79% Any files submitted after these changes are in effect will reflect the 5.25% rate of qualifying. As a buyer, this means that you will qualify for a lower mortgage amount which can be difficult in a tough market. As sellers, the price of homes for sale will likely adjust (up to 40%) like they did when the stress test was initially introduced in 2017. Let’s connect and get your pre-approval secured before these changes come into effect! . . Joanne Murphy 416-616-5583 [email protected] located in Halton Hills; servicing all across Ontario . . . #mortgage #realestate #mortgagebroker #home #newhome #investment #property #househunting #refinance #forsale #finance #broker #mortgagelender #homeloans #loans #realtorlife #dreamhome #homesforsale #creditrepair #properties #creditscore #business #listing #homesweethome #home #renovations

The current market has many feeling defeated and completely out of control. I hear you, I really do but working through this process is ultimately going to be such a rewarding experience and one that I think you will be so happy you did in the end! Mortgage Puzzle works hard to make clients feel like they are not alone in this journey. Together, we can avoid dead ends and find different avenues that work for you and your budget - keeping the end goal in mind always! . . ... Joanne Murphy 416-616-5583 [email protected] located in Halton Hills; servicing all across Ontario . . . #mortgage #realestate #mortgagebroker #home #newhome #investment #property #househunting #refinance #forsale #finance #broker #mortgagelender #homeloans #loans #realtorlife #dreamhome #homesforsale #creditrepair #properties #creditscore #business #listing #homesweethome #home #renovations See more

Do you know someone looking to get their first mortgage? To renew or refinance to take advantage of low interest rates? I’d love to hear from them. . . Joanne Murphy ... 416-616-5583 [email protected] located in Halton Hills; servicing all across Ontario . . . #mortgage #realestate #mortgagebroker #home #newhome #investment #property #househunting #refinance #forsale #finance #broker #mortgagelender #homeloans #loans #realtorlife #dreamhome #homesforsale #creditrepair #properties #creditscore #business #listing #homesweethome #home #renovations See more

Hello everyone! Those of us in Ontario have just been hit with some hard news regarding a third lockdown. Hang in there! Thank goodness for long weekends!

Do you need more space for your growing family? Do you need money to finish your basement? Do you want to create a backyard oasis? We can help! Connect with me to get the money to cover your renovation projects ASAP! . . ... Joanne Murphy 416-616-5583 [email protected] located in Halton Hills; servicing all across Ontario . . . #mortgage #realestate #mortgagebroker #home #newhome #investment #property #househunting #refinance #forsale #finance #broker #mortgagelender #homeloans #loans #realtorlife #dreamhome #homesforsale #creditrepair #properties #creditscore #business #listing #homesweethome #home #renovations

This beautiful home will not last long! Lets connect to get you PRE-APPROVED before it's gone! Joanne Murphy 416-616-5583 [email protected]... located in Halton Hills; servicing all across Ontario See more

The housing market right now is out of this world! Did you know that the average sale price of home has increased more than 65,000 dollars in the past few months? Low Inventory on the market and incredible interest rates have the value of your home at an all time high. ... Not thinking of selling and buying, that’s okay because your home has still increased in equity and you have a great opportunity to lower those interest rates and take advantage of some extra cash. Let’s connect and take advantage of this hot market. . . Joanne Murphy 416-616-5583 [email protected] located in Halton Hills; servicing all across Ontario . . . #mortgage #realestate #mortgagebroker #home #newhome #investment #property #househunting #refinance #forsale #finance #broker #mortgagelender #homeloans #loans #realtorlife #dreamhome #homesforsale #creditrepair #properties #creditscore #business #listing #homesweethome #home #renovations

Give me all the Friday Feels! So honoured and so proud to announce that Mortgage Puzzle has earned an award as a 2020 Top Performer. 2020 was a difficult year to navigate but Mortgage Puzzle did not skip a beat, taking on the challenge and coming out the other side with great success for my clients. Thank-you to all of my amazing clients who have trusted me with a major part of your life this past year. Working along side each of you has been truly a pleasure and I am happy to have helped you with all of your mortgage needs.

Let’s connect! The road to financial recovery is closer than you think . . Joanne Murphy ... 416-616-5583 [email protected] located in Halton Hills; servicing all across Ontario . . . #mortgage #realestate #mortgagebroker #home #newhome #investment #property #househunting #refinance #forsale #finance #broker #mortgagelender #homeloans #loans #realtorlife #dreamhome #homesforsale #creditrepair #properties #creditscore #business #homeloan #listing #homesweethome #home #renovations See more

This is amazing!!! GIRL POWER! Contact the Read Team for your invite!

Did you know you could reduce your monthly expenses by consolidating your debts and high interest payments by rolling them into your mortgage? In most cases, even breaking your mortgage terms early to refinance and paying any penalties will STILL have you saving more money and paying less monthly! It sounds too good to be true, but you will never know until you call or connect via email . Joanne Murphy 416-616-5583... [email protected] located in Halton Hills; servicing all across Ontario . . . #mortgage #realestate #mortgagebroker #home #newhome #investment #property #househunting #refinance #forsale #finance #broker #mortgagelender #homeloans #loans #realtorlife #dreamhome #homesforsale #creditrepair #properties #creditscore #business #homeloan #listing #homesweethome #home #renovations See more

Can we all agree 2020 was quite the year? As we enter a new year, full of hope and optimism, we are all still experiencing such uncertainty with what tomorrow will bring. Mortgage Puzzle is here for you. Together we can talk about the ways in which you can use your greatest investment to your benefit. Now may be a great time to consider refinancing. Call for more information on what options are available. . . . ... Joanne Murphy 416-616-5583 [email protected] located in Halton Hills; servicing all across Ontario . . . #mortgage #realestate #mortgagebroker #home #newhome #investment #property #househunting #refinance #forsale #finance #broker #mortgagelender #homeloans #loans #realtorlife #dreamhome #homesforsale #creditrepair #properties #creditscore #business #homeloan #listing #homesweethome #home #renovations

Good bye 2020, hello 2021!

Have you made a list of all of the amazing goals and things to accomplish in the year ahead? Sometimes, writing these goals down as a to accomplish list can help keep you focused on what you are working towards and how to make it happen. May the next 365 be healthier and better than the last Joanne Murphy 416-616-5583 [email protected]... located in Halton Hills; servicing all across Ontario #mortgagearchitect #mortgage #realestate #mortgagebroker #home #newhome #investment #property #househunting #refinance #forsale #finance #broker #mortgagelender #homeloans #loans #realtorlife #dreamhome #homesforsale #creditrepair #properties #creditscore #business #homeloan #listing #homesweethome #home

Did you know you could reduce your monthly expenses by consolidating your debts and high interest payments by rolling them into your mortgage? In most cases, even breaking your mortgage terms early to refinance and paying any penalties will STILL have you saving more money and paying less monthly! It sounds too good to be true, but you will never know until you call or connect via email . Joanne Murphy 416-616-5583... [email protected] located in Halton Hills; servicing all across Ontario . . . #mortgage #realestate #mortgagebroker #home #newhome #investment #property #househunting #refinance #forsale #finance #broker #mortgagelender #homeloans #loans #realtorlife #dreamhome #homesforsale #creditrepair #properties #creditscore #business #homeloan #listing #homesweethome #home #renovations See more

Can we all agree 2020 was quite the year? As we enter a new year, full of hope and optimism, we are all still experiencing such uncertainty with what tomorrow will bring. Mortgage Puzzle is here for you. Together we can talk about the ways in which you can use your greatest investment to your benefit. Now may be a great time to consider refinancing. Call for more information on what options are available. . . . ... Joanne Murphy 416-616-5583 [email protected] located in Halton Hills; servicing all across Ontario . . . #mortgage #realestate #mortgagebroker #home #newhome #investment #property #househunting #refinance #forsale #finance #broker #mortgagelender #homeloans #loans #realtorlife #dreamhome #homesforsale #creditrepair #properties #creditscore #business #homeloan #listing #homesweethome #home #renovations

Good bye 2020, hello 2021!

Have you made a list of all of the amazing goals and things to accomplish in the year ahead? Sometimes, writing these goals down as a to accomplish list can help keep you focused on what you are working towards and how to make it happen. May the next 365 be healthier and better than the last Joanne Murphy 416-616-5583 [email protected]... located in Halton Hills; servicing all across Ontario #mortgagearchitect #mortgage #realestate #mortgagebroker #home #newhome #investment #property #househunting #refinance #forsale #finance #broker #mortgagelender #homeloans #loans #realtorlife #dreamhome #homesforsale #creditrepair #properties #creditscore #business #homeloan #listing #homesweethome #home

Make the most of the year ahead Joanne Murphy 416-616-5583 [email protected]... located in Halton Hills; servicing all across Ontario #mortgagearchitect #mortgage #realestate #mortgagebroker #home #newhome #investment #property #househunting #refinance #forsale #finance #broker #mortgagelender #homeloans #loans #realtorlife #dreamhome #homesforsale #creditrepair #properties #creditscore #business #homeloan #listing #homesweethome #home #renovations #testimonial

Mortgage Puzzle would like to wish all of you an extra special Christmas Eve. This year has brought a lot of challenges but it has also showed us what is really important and how the health and happiness of those we love is the best gift of all. Warm regards, Joanne Joanne Murphy ... 416-616-5583 [email protected] located in Halton Hills; servicing all across Ontario #mortgagearchitect #mortgage #realestate #mortgagebroker #home #newhome #investment #property #househunting #refinance #forsale #finance #broker #mortgagelender #homeloans #loans #realtorlife #dreamhome #homesforsale #creditrepair #properties #creditscore #business