Mortgages by Morgan

Defer your mortgage only if absolutely necessary https://bit.ly/2SSwcI3 We offer Mortgage Services. Visit https://www.mortgagesbymorganalberta.com/ for more information. #MortgagesByMorgan #mortgagerefinance #stalbert

Canada Housing: 2 Ways to Strike it Rich in 2020 https://bit.ly/3cnyeHF We offer Mortgage Services. Visit https://www.mortgagesbymorganalberta.com/ for more information. #MortgagesByMorgan #mortgage #canada

Pandemic Personal Finance Update No. 6: First-time home buyers with job security should get preapproved for a mortgage https://tgam.ca/3bhY3rz We offer Mortgage Services. Visit https://www.mortgagesbymorganalberta.com/ for more information. #MortgagesByMorgan #firsttimehomebuyer #alberta

Save money by getting pre-approved for lower mortgage rates https://bit.ly/3cgkG0y We offer Mortgage Services. Visit https://www.mortgagesbymorganalberta.com/ for more information. #MortgagesByMorgan #mortgagerates #stalbert

Mortgage Rates Falling as Economic Turmoil Persists http://bit.ly/39Ti9IM We offer Mortgage Services. Visit https://www.mortgagesbymorganalberta.com/ for more information. #MortgagesByMorgan #mortgagerates #alberta

Info for homeowners and potential homeowners. I know people are worried about paying the bills and absolutely utilize these deferrals if necessary. However you need to remember that it does not mean it never gets paid. This should be a last resort. You do not want 3-6 months worth of bills and interest to pay when this is all over. It may put you in a worse position than paying it now. Renters, remember this as well. If your landlord was able to qualify for a mortgage defer...ral, that means they still have to pay at a later time. This does not mean free rent for 6 months, it's likely just deferred rent. Plus rent covers some utilities and property taxes too, which still need to get paid at some point. This is just the beginning, so please be smart here. We all have to adjust our spending to make it work. But set your self up for success. Don't just think about right now, especially while you are stressed and operating out of fear and anxiety. Take each day as it comes and make a plan for yourselves that fits your situation best. Please reach out if you have any questions or need advice on how to proceed. https://www.mortgagearchitects.ca/news/covid-19

BUSTED! DON’T BELIEVE THESE MORTGAGE MYTHS! https://bit.ly/2UqvpxF We offer Mortgage Services. Visit https://www.mortgagesbymorganalberta.com/ for more information. #MortgagesByMorgan #mortgagebroker #stalbert

Are Changes to the Mortgage Stress Test Coming? http://bit.ly/2QXMxL3 We offer Mortgage Services. Visit https://www.mortgagesbymorganalberta.com/ for more information. #MortgagesByMorgan #mortgage #stalbert

If you are still working and recieving a paycheck please do not tie up these lines. It is a case by case basis and put in place for those who absolutely cannot pay there mortgages. We can lessen the overwhelming amount of calls and inquiries by assessing our situations properly. Shared- COVID-19 Mortgage Payment Relief: What’s Available to You!... There is help out there, but please be fully informed. If you have any further questions, please feel free to reach out. There is some good news in this very stressful time for people who are worried about making their mortgage payments. Canadian mortgage insurers are backing the current crisis and are working with our lenders to develop policies to either skip or defer mortgage payments. However, it’s important to know that these are on a case-by-case basis and you will have to provide detailed financial information, so please, reach out to your lenders directly. You also may not receive an answer right away. As each case is different, it may take 1-3 business days for a response. Lender Contact Information: ATB Financial 1-800-332-8383 B2B 1-800 263 8349 or [email protected] BMO Financial Group 1-877-895-3278 Bridgewater Bank 1-866-243-4301 CIBC 1-800-465-2422 CMLS Financial 1-888-995-2657 or [email protected] Optimum 1-866-441-3775 or [email protected] Equitable 1-866-407-0004 or [email protected] Connect First 403-520-8000 Chinook Financial 403-934-3358 First Calgary Financial 403-736-4000 First National Financial LP 1-888-488-0794 or [email protected] Haventree Bank 1-855-272-0051 HomeEquity Bank 1-866-331-2447 or [email protected] Home Trust Company 1-855-270-3630 or [email protected] HSBC 1-888-310-4722 ICICI Bank 1-866-726-0825 or [email protected] Manulife 1-866-677-4366 or [email protected] MCAP 1-800-265-2624 MERIX Financial 1-877-637-4914 or [email protected] Marathon 1-855-503-6060 National Bank 1-888-835-6281 RBC 1-866-809-5800 RFA (formerly Street Capital) 1-877-416-7873 or [email protected] RMG 1-866-809-5800 or [email protected] Scotiabank 1-800-472-6842 Servus Credit Union 1-877-378-8728 TD 1-866-222-3456 What you need to know: Phone lines are currently very busy, so expect to wait at least 20-30 minutes for a representative. While you wait, we encourage you to review the Government of Canada website for updated information about financial or business aid. Many representatives will ask if you have reviewed this information: https://www.canada.ca//d/coronavirus-disease-covid-19.html

Bank of Canada holds interest rate, but cuts growth forecasts as economy's engine loses momentum http://bit.ly/39A6jmg We offer Mortgage Services. Visit https://www.mortgagesbymorganalberta.com/ for more information. #MortgagesByMorgan #mortgagerates #alberta

Forecast for Canadian Fixed and Variable Mortgage Rates in 2020 http://bit.ly/2NPkivV We offer Mortgage Services. Visit https://www.mortgagesbymorganalberta.com/ for more information. #MortgagesByMorgan #mortgagerates #canada

A BEGINNER’S GUIDE TO BUYING A HOME http://bit.ly/32xGnFk We offer Mortgage Services. Visit https://www.mortgagesbymorganalberta.com/ for more information. #MortgagesByMorgan #mortgagebroker #stalbert

Canadians Turn To Big Banks For Mortgages Despite Higher Rates http://bit.ly/2OU405p We offer Mortgage Services. Visit https://www.mortgagesbymorganalberta.com/ for more information. #MortgagesByMorgan #mortgagerefinance #canada

Why non-bank mortgage lending has exploded in growth http://bit.ly/2tybinX We offer Mortgage Services. Visit https://www.mortgagesbymorganalberta.com/ for more information. #MortgagesByMorgan #mortgagebroker #canada

All jokes aside, paperwork and documentation is a necessary component of obtaining mortgage funding. It can feel overwhelming and like an invasion of privacy at times, but just consider what you would want to know about someone that you were lending 100's of thousands of dollars to! If you are considering purchasing a home in the near future, maybe have a chat with a mortgage specialist like myself, to start getting an idea what sort of documentation will be required for your... situation. You will be more prepared, things will go faster and smoother for you, and it will makes things feel a lot less overwhelming! Call 7809042538 for expert advice from a real person who has been there, knows how overwhelming it can feel, BUT knows how to navigate you through this major life purchase with minimal stress :) #Mortgagesbymorgan #mortgages #yeg #t8n #mortgagebroker

Predictions for Canadas mortgage market in 2020 https://tgam.ca/36twZnx We offer Mortgage Services. Visit https://www.mortgagesbymorganalberta.com/ for more information. #MortgagesByMorgan #mortgagefinancing #alberta

Don't let planning for your future be a source of fear or anxiety. Take control of your life! Make investments now that give you security for later. I know that buying a home can seem like a huge and daunting responsibility, but if you do things right, you can create the kind of future that you want. Let's talk! I can help you make a plan, and point you in the right direction to creating that future.... #mortgagesbymorgan #mortgagebroker #mortgages #t8n #yeg

Announcing the new website We’re pleased to announce the launch of our new website. Do visit us on https://www.mortgagesbymorganalberta.com/ #MortgagesByMorgan #mortgagebroker #canada

I have a red door, but unfortunately my mortgage is not paid off yet What color door do you have or want for your future home? #mortgagesbymorgan #mortgagebroker... #didyouknow See more

The Latest in Mortgage News: 2020 Forecasts http://bit.ly/2Qu52pO We offer Mortgage Services. Visit https://www.mortgagesbymorganalberta.com/ for more information. #MortgagesByMorgan #mortgagespecialist #canada

Bank Of Canada Holds Rates Steady As Global Economy Stabilizes http://bit.ly/2PpV2wi We offer Mortgage Services. Visit https://www.mortgagesbymorganalberta.com/ for more information. #MortgagesByMorgan #mortgagebroker #canada

Buying a home may not be as far out of reach as you think, contact me today to set up a free consultation! 780-904-2538 #mortgagesbymorgan #mortgagebroker #mortgagemonday

Check out my newly updated website https://www.mortgagesbymorganalberta.com/ Here you can apply online, make an appointment, and have access to live chat for any questions you might have.

What if you had a choice to support a local business instead of a huge corporation for no extra cost? When you choose a mortgage broker instead of a bank, you are supporting a local business person instead of lining the pockets of a bank that cares very little about you. I get it, it seems easier to just walk into your branch and say hey I’d like a mortgage! They have a lot of your info already, you’ve been with them for years. Loyalty right?? Well being loyal to a bank doesn...’t really do much. They charge you for having an account, for using a cheque, for sending an e transfer, for overdrafts. They really don’t care about you. They kick you when you are down. Also that banker you’ve been dealing with for years isn’t getting much from your mortgage deal, it’s mostly going to the bank who is already taking so much of your money. Using a mortgage broker doesn’t cost you anything extra. There are many other reasons to choose a broker over the banks, but this is one I stand by the most. Support local! What are your fav local businesses?

How Do Canadian Mortgage Rates Compare To The Rest Of The World? http://bit.ly/2OQVOBY We offer Mortgage Services. Visit https://www.mortgagesbymorganalberta.com/ for more information. #MortgagesByMorgan #mortgagebroker #stalbert

Do yourself a favor this year and create a budget. Really comb through your finances and figure out where your money is going. Be the boss of your finances so that instead of cringing when you look at your bank statements, you will know exactly what to expect. You may even have left over money each month to start a travel fund! #WisdomWednesday #savings #money #finances #mortgages #mortgagebroker #budget #savemoney

Canadian House Prices Set To Surge In 2020, Forecasts Say http://bit.ly/33CcWB6 We offer Mortgage Services. Visit https://www.mortgagesbymorganalberta.com/ for more information. #MortgagesByMorgan #mortgagebroker #canada

Pace of housing starts edges up in November on strength in B.C., Alberta http://bit.ly/2PfBFXK We offer Mortgage Services. Visit https://www.mortgagesbymorganalberta.com/ for more information. #MortgagesByMorgan #mortgagebroker #canada

Is your mortgage up for renewal this year? Come discuss your options with me! I could save you $$$ and find a product that better suits your needs!

I appreciate y'all who do support me #mortgagebroker #mortgages #yeg #t8n #mortgagesbymorgan

Are you finding it hard to save money or pay off debt? Maybe it's time to look at where your money is actually being spent, and find ways to cut back or elimate unneccesary/unhealthy habits that come with a hefty price tag. It takes discipline and sacrifice, but it's worth it in the end. Maybe you will have a house by the end of this year, or maybe your debt can finally be paid off!

I really feel for these homeowners. Be careful where you buy, whether it be on a fault line, high flood area, high fire area, ect. Even if insurance covers it, it really is a nightmare and better to just avoid altogether.

Make this the year you buy your first house! Take control of your finances- Your savings, your debt, and your plan for retirement. Set goals for yourself and keep going until you achieve them! Call to make an appointment! 780-904-2538

Right in time for your new years resolutions! 25 ways you can cut back on your spending. If you are saving for a house or trying to pay of debt to no avail, maybe take a peak at this list and see if there is anything you can cut back on? What do you think you overspend the most on? Eating out? Coffee? Groceries? Share below, I will create a chart with the top answers to show you just how much you can save per year! 2020 is your year to take control of your finances!... https://www.lifehack.org//25-unnecessary-wastes-money-you-

Have you started thinking about retirement yet? If not you should. A great way to insure you have enough money to retire on time is real estate! Buy now while you are young. By the time you retire, you could have multiple properties paid off, a monthly income to live off of, and something to leave your family when you go.... Like all investments of course there is risk, but the benefits far outweigh the risks here. You could have renters paying for your entire retirement if you invest smart! You could have extra monthly cash in your pocket NOW, as well as in future if you find the right properties. It's a great time to invest, properties are priced low and there is a ton of options and opportunities out there for you to take advantage of. Book an appointment with me today to discuss all of your options! 780-904-2538 or email [email protected]

Rates and house prices are low. Now is a great time to buy! I am offering free consultations for anyone who is planning to buy a home in 2020. Advantages to meeting with a Mortgage Specialist before finding a home include: -Going over your credit score and making sure everything is in good standing so there is no surprises or hurdles when it comes time to buy.... -Establishing your max budget and going over how much all your payments will be. -Keeping you informed and prepared. There is a lot of things that pop up when buying a house, some of them you would not have even thought of. It's best to be prepared for anything and everything! Even if you aren't sure about buying a home and would just like some information, I would love to help you! I can offer debt servicing advice and tips on saving money for a down-payment. Remember this is a FREE service! Call at 780-904-2538 or email [email protected]

Nothing is ever certain in life, even if you are dead set on keeping your mortgage the full 5 years, plans could change. Approximately 2/3rds of Canadians break there 5 year fixed mortgage early. Whether it be because of a change in income, divorce, moving for work ect. Make sure you are getting the right product, and won't be stuck with high penalties to break out of your mortgage. Working with a knowledgeable broker can insure there is no fine print you are missing regardin...g these payout penalties, and to make sure you are set up with a lender who offers a more reasonable payout charge. If you have any questions regarding payout penalties, or anything mortgage related, call or email me! 780-904-2538 or [email protected]. https://www.theglobeandmail.com//article-big-banks-prepaym

Interesting stats on first time home-buyers in Canada. Maybe I am biased, but the younger you are the better. So much money gets wasted in rent. Owning a property opens so many doors for you for the future. If you are considering buying but have some questions, or want to see what you may qualify for, give me a call. We can set up a budget and a plan, and get you into your first home way faster than you might have expected! Speaking from personal experience, I think a lot of ...this younger generation just assumes they won't be able to, and it becomes a pipe dream. But you will never know until you try! And even if its not a possibility right this second, you can have a clear picture of how to get there. Let's chat! 780-904-2438 or email at [email protected] http://homeownership.ca//are-you-the-average-first-time-h/

Life can get overwhelming when you have a to-do list 10 pages long! Getting a mortgage doesn't have to add to the stress. Let me, a licensed and trained expert take care of the most important purchase of your life. When it comes to finding the best rates and products for you, that is top priority on my to-do list, so you yours is freed up to do what you actually want to be doing. You wouldn't want to attempt to fix your car on your own with no experience or training, you hire a professional for that! It's the same thing with your mortgage, except it doesn't cost you a penny. You get expert advice and guidance for free! Contact me for all your mortgage needs! 780-904-2538 or email at [email protected]

This right here Until the keys are in your hands folks. If you are looking into buying a home and would like some more tips, or have any questions about the process, give me a call!!... Even if you are just planning ahead, it's great to meet with me to you can see where you are at. -Find out how much you qualify for. -Find out if you have any credit issues, and if you do, how to fix them! -Figuring out the costs involved and how much you need to save Clearly there are many advantages to meeting with a mortgage broker before you even begin the house hunt. Stay informed and educated. Call anytime at 7809042538 or email at [email protected]

What is a mortgage broker and why should I use one? I feel like a lot of people are unaware of what I actually do, how I am paid, what the point is in using me ect. Educating you on this may help you understand why it is so beneficial in your home buying process.... For one, my services are completely free to use. Even if I can't help you secure financing right then, I am committed to you and what is best for your situation. I can offer knowledgeable advice on how to get where you want to be financially, different ways to improve your credit, or recommendations on different services that will improve your finances or where to invest your money. All of this is unpaid, as brokers are paid by lenders after a file is funded. The only thing I ask for in return is your referrals if you are satisfied with my services! Another common thing I hear is "I have banked at such and such bank for 20 years, they know me, this will be easier, less paperwork ect" Did you know that MOST big banks have a broker channel. This means that I am able to facilitate a mortgage for you at your own bank! The advantages to this are that you have someone speaking for you. The staff at a bank who deal in mortgages are not licensed and do no have to follow the same guidelines as I do. This often results in a lot of fine print being overlooked, or simply not inquiring into your needs enough to set you up with the right product, which can cost you thousands in the event you need to move or break your mortgage term early ect. Those banks also don't have access to all the lenders and products that I do, They have a cookie cutter mortgage product and you may not be a cookie cutter mortgage client. Basically it is my job to properly educate you and make sure you are set up to make this large financial decision with confidence. You need someone to ask you the right questions and find out what's important to you long term. As I said, I have access to a ton of lenders who all offer a different range of products and rates, you need the one that is best suited to you and your unique situation. While anyone can go into a bank and apply for a mortgage, I highly recommend using someone who knows all the fancy terms and the lingo and can explain them to you properly, someone who can speak on your behalf, and someone who will fight for your approval even if it seems next to impossible, because they truly want to help you. These are the things that set mortgage brokers apart. We can all get you 'the best rate'. Truth be told most brokers and banks can get within .10 of a percent of each other. But that 400$ over your 5 year term you saved on getting the 'lowest rate out there' may end up costing you thousands of dollars when you have to break your term early for some unexpected life event, because you went with a bank who didn't explain this properly to you at the time. Stay educated, be informed and use a mortgage broker!

Qualifying rates are dropping from 5.34 to 5.19%. This may push certain people who were just on the cusp of not qualifying --into the qualifying range. It's not a huge dip, but it's something! Rates are also expected to rise, so if you are thinking of buying or refinancing, best to lock in now!! Call me at 780-904-2538 today! https://www.theglobeandmail.com//article-canadas-mortgage/

You are now (almost) a home-owner! Congrats! That waiting time in-between putting in an offer, getting all your financing secured, and the day you get your keys is more important than you think! Remember that you have been approved based on your current employment/income and debt situation. So in that escrow period, you do not want anything to change or it may jeopardize getting into your home! Here is 5 tips to ensure that all goes smoothly for you!... 1.) DO NOT change jobs! If you are considering a new employment opportunity, you will want to wait till after you get the keys to make that life-changing decision. 2.) DO NOT go on a shopping spree! That may be tempting considering you are buying a new home and want some new beautiful furniture to match. BUT if that means racking up a bunch of new debt, you may want to hold off. A lender can pull your credit again before closing and see that you've been hastily spending, and that may change your debt ratios and the financing may not work anymore! Better off to wait and not risk it! 3.) An add on to #2, DO NOT buy or finance anything new, including a car, camper or new dirt-bike!! Again, this changes your debt servicing ratios which could throw everything off! 4) Keep in mind extra costs you may have not had to pay while renting such as property tax and water, fire insurance ect. Owning a home also does come with some risks regarding upkeep and renovations, so it is wise to put together an emergency fund in case you end needing to call the plumber at 3 am! 5) If you haven't already, it may be time to consider getting life insurance. Life is full of surprises, best to be prepared. If you plan on becoming a home-owner in the near future and would like expert advice, great rates, and exceptional service that goes above and beyond a business transaction, give me a call! 780-904-2538 or you can email at [email protected]

Are you on the fence about buying a home? Real Estate is the one investment you can count on. People will always need homes to buy/rent. It may seem like a daunting responsibility, but it is the smartest investment you can make. Landlords grow rich in there sleep. Someone is literally paying off your investment for you!!! And on the other side of the coin, by continuing to rent, you are doing that for them! Right now is a great time to buy, rates are low. Meet with me today to discuss your buying power, and what you can expect cost wise as a home-owner. You will see that it is not far off of what you pay in rent/bills already. It just makes sense to set yourself up for future financial success and security. Call/text or email at 780-904-2538 or [email protected]

A lot of people wonder if they should use a broker or just go to there bank. I could list 100 reasons why a broker is better, but I will give you a few examples of what I deal with on a regular basis with clients and the bank. 1. They often don't give you the best rate or product up front. Many clients will be offered a rate at renewal much higher than the lowest rates available to them. If you are none the wiser, the bank makes more money off of you than necessary. 2. Basic...ally the same thing different scenario. I've had clients approach me saying my bank offered me such and such rate....Well I can offer better than that!....Client goes to cancel with the bank and they conveniently offer a better rate, only after competition was introduced. If a bank truly had your best interest in mind they would be offering you these products and rates up front the first time. This is the same bank who charges you for transactions, accidental overdraft fees, fees to cash a check, or write a check or really do anything. The only goal is to make money off of you in anyway possible. You may have dealt with a great employee of the bank over the years, but there is absolutely no reason to stay loyal to a business who only see's you as a dollar sign. While this is a business for me too, I see each client as a person, and my ultimate goal is to help and advise you to make an educated decision. I will not advise you to go for your max budget only to end up house poor, or hold out on a better product or rate to make more money. AND if it is in your best interest to stay with your bank for some reason, I will tell you that too! (Meaning I make no money!) I work for you and your needs. It is my duty as a mortgage specialist to keep you FULLY informed and educated the entire time. If you are looking to make a switch from the bank, or looking to purchase a house give me a call/email at 780-904-2538 or [email protected]

The government has released a few more details for the new CMHC first-time home buyer program coming this fall. https://www.cbc.ca//cmhc-first-time-buyer-program-1.5178055

How frustrating is to give hundreds or even thousands of dollars to your landlord every month, paying down there investment for them instead of doing that for yourself? It is true that it is harder to qualify for a mortgage then say-when your parents or grandparents bought there first house. But it is not as hard as you think. Saving money for a down-payment or paying off other debts comes down to priorities. If it bothers you to give an average of 10 000-20 000$ every year t...o a stranger instead of investing in your own future and retirement, you will find a way to get that money! If any of this resonates with you, give me a call! Even if you aren't ready to buy right this second, I can set you up so when you are ready, everything is in line for you. Things like making sure your credit score is in good shape, or advice on which debts to pay down, or how much you would qualify for are just a few of many things I can help you with to begin this process. Email me at [email protected] or call/text at 780-904-2538

If your mortgage is up for renewal soon give me a call! Switching lenders may save you money and help pay down your mortgage faster. Stay informed so you can make the right choices for your mortgage and not miss any money saving opportunities. Visit mortgagesbymorganalberta.com or call/email at 780-904-2538 or [email protected]

Do I qualify for a mortgage? What are the best rates right now? Why is a mortgage broker a better choice than my bank? What different mortgage products are out there? Should I refinance?... These are just a few examples of basic mortgage related questions that I would be happy to answer! Feel free to message/call/text me at any time with any and all of your uncertainties and questions. Let me help you and guide you with expert mortgage knowledge and advice. Visit www.mortgagesbymorganalberta.com to fill out an online application, or I can be reached at 780-904-2538, or by email at [email protected].

Considering buying but curious about all the costs involved? Download Mortgage Architects Mortgage Planning App! Type my name in as your mortgage broker and have access to affordability calculators, stress test calculators and more. Stay one step ahead and start planning your mortgage today!

6 easy steps to buy your first home! Mortgage Tip- A lot of people start there search for a home with a realtor, but it actually makes more sense to start with a mortgage specialist. That way you know what your max budget is right from the start-for example that could save you from disappointment when you discover you can't afford a house you looked at already and fell in love with. You also have leverage as a buyer having a 'pre-approval' from your mortgage specialist. If you are in a bidding war with someone else, the seller may choose your bid knowing your financing conditions are more likely to go through. SO...Save yourself time and headaches, and meet with a mortgage specialist first! If you are even thinking of buying, give me a call or text! 780-904-2538, and we can get the ball rolling for you!

Now is a great time to buy! Home prices are low and so are rates! See if you qualify today! Fill out an online application and you can be on your way to putting money into your own investment, instead of doing it for someone else. Mortgages by Morgan offers expert mortgage services for all of your financing needs! With access to low rates and great products, I will find the mortgage to suit your needs exactly. Visit www.mortgagesbymorganalberta.com, or call at 780-904-2538 for more info!

Mortgages by Morgan offers expert and professional mortgage services for all mortgage needs. There is no need to feel pressure or stress in this important life transaction. Let me take care of it all for you, while keeping you informed and educated throughout the entire process. I work for you! There is mobile services with hours to fit any schedule! Make an appointment today if you would like to chat about your options! I can be reached by call or text at 780-904-2538 or by email at [email protected]

Did you know there was longer term mortgages available? There is definitely pro's and cons to both the traditional route of a 5 year fixed term, or choosing to go with a longer one. For example, you may reduce your risk getting stuck with a higher rate at renewal only 5 years in, but they usually come with higher rates then 5 year terms right off the bat. If you want more information on mortgage terms, or you are seeking a mortgage and would like to work with a professional Mortgage Specialist give me a call or email! I can be reached at 7809042538 or [email protected] https://calgarysun.com//longer-mortgage-terms-reduce-relev

One more reason to use a mortgage broker instead of a bank!

Happy mother's day weekend to all of you amazing moms out there!

Fixed or Variable?? Variable rates can be a great choice as rates have been notably lower in the past. However, they are currently sitting very close to what fixed rates are at, leaving you with not much reward for your risk. If you have questions about rates and which route to choose, give me a call! https://www.theglobeandmail.com//article-goodbye-variable/

Mortgage tip!! Credit history is a vital part of determining whether or not you will be approved for financing. What some people don't know is how important it is to have open trade-lines. That means credit cards and/or loans, vehicle loans, ect. It is a good idea to have at least 2 of these at all times, being well-maintained and utilized. That means using them, but paying them off on time and keeping the balances LOW. It's great to be debt free and have no temptation of spe...nding money you don't have from a credit card, but this is really the only way to show that you are responsible with your credit. Basically, your credit history is important because lenders, insurers, employers, and others may use it to assess how you manage financial responsibilities. SO if you are considering buying a home in the future, make sure you are keeping up with your credit score and finding ways to improve it! If you would like some more information on building your credit, give me a call! 7809042538

Don’t be so hasty to renew your mortgage without doing a bit of homework first!! According to a recent survey, 27% of Canadian mortgage-holders allow their mort...gages to automatically renew without a second thought. That can result in missed opportunities to save money and take advantage of new mortgage features and products that may actually be a better fit for your needs. Call me today to discuss all your renewal options!