Zenon Komarniski

Client Milestone Win!!! #yycmortgagebroker #yegmortgagebroker #reddeermortgagebroker

Love helping clients achieve their goals!!! #yycmortgagebroker #yegmortgagebroker #reddeermortgagebroker

Top 3 reasons homeowners choose to refinance: 1. Take advantage of a lower interest rate. 2. Consolidate high interest debt. 3. Fund home renovations.... If you interested in exploring your options send me a message. I'm here to help and my services are free.

Some great reading info from a great Realtor I know in Edmonton.

For some the answer is easy, while for others in a fixed-rate mortgage it can become a difficult and complex question when facing prepayment penalties. What we know for sure is that rates are at record lows. If you are unsure of whats best for you, reach out. Together we will run the numbers to see what makes sense for you.

I was in a seminar yesterday listening to a trustee from Alberta talk about foreclosures and the expectancy over the next 6 to 12 months. I wish I could say we can help everybody but we can't. Those of you who do have equity in your home over 20% with a higher interest rate may want to look at refinancing or redoing your mortgage at the lower rates to bring your payments lower. On a refinance maybe you can use the extra money to pay off immediate revolving lines of credit to... ease your situation. If you have less than 20%, but maybe you're in a mortgage with a higher interest rate we can look at seeing if switching your mortgage to a lower one can start saving you some money per month. If you just want to ask me some questions I am here. Please reach out and I will do my best to get answers for you. https://www.facebook.com/316731163205/posts/10160319254528206/

If you currently own a home, now is the right time for a mortgage checkup to find out if you can save on interest costs and what steps you can take today to help you get closer to reaching your short- and long-term financial goals. Always remember that as a Mortgage Professional Im here to offer you unbiased advice and answer any questions you might have. Please dont hesitate to reach out.

Rates are low and can be locked in for 90 days. If you are thinking about buying a new home, contact me so you can be ready to make an offer.

With rates being low, and expected to stay for a while, now is a great time to unlock equity through refinancing or a home equity line of credit (HELOC). Refinancing allows you to access equity and possibly obtain a better interest term and rate. Where as a HELOC lets you keep the mortgage you are currently paying while getting access to a large sum of money. If you are interested in exploring the possibilities available to you send me a message for a free consultation.

I can say I do agree with this. https://www.facebook.com/316731163205/posts/10160243514533206/

We want to pay your mortgage! One lucky Mortgage Alliance customer will win the value of their new Qualifying Mortgage payments during their first year, up to a maximum of $25,000. Contact me for more details or click the link below. It pays to use the right broker!... https://www.mortgagealliance.com//MortgageAllianceWinYourM

Using a mortgage broker gives you access to lending options you cant get on your own. I deal with many lenders, from major banks to private lending options. Contact me today and we'll find the solution thats right for you!

Good morning everyone. Today the Bank of Canada made a decision to hold their interest rate. Their projection was that during the time of April the economy would have hit its lowest point. I take this as a pretty positive sign in a very bleak world economy. Even during the time that the Corona virus first hit I was surprised to see as much activity in the market as there was. There were many mortgages I put through for new home purchases. Overall as I see more business openin...Continue reading

Today is gratitude Friday. I would like to send out a sincere thanks to all those who have supported me in my endeavour with Mortgages. I think Facebook can be a great platform to share and like things that people love and enjoy. So to all of those who have done this for me, I'm extremely grateful. Have a great Friday!!!

So no real big changes other than the program being extended for another 8 weeks. Some will be better than none for those in need. https://www.ctvnews.ca//long-journey-ahead-feds-extend-cer

Still waiting on more details that are suppose to be coming this week but good news for those who still need the help. https://business.financialpost.com//canada-extend-cerb-une

https://www.facebook.com/510984351/posts/10157376400579352/

https://www.facebook.com/179909835436502/posts/3110532235707566/

Changes coming July 1,2020.

How to save money on your current mortgage if you are above 3% on your current mortgage rate.

June Market Update - please contact our office if you have questions on selling your home or are thinking of buying.

Not happy about these changes that came through today. This will remove a good handful people who are responsible with credit but do not have that 680 score. https://ca.finance.yahoo.com//real-estate-canada-mortage-r

Here is a follow-up to a post I had put out the other day about the lady who had a $30,000 mortgage penalty. https://www.theglobeandmail.com//article-an-argument-for-/

If you are looking for a new home I just received a rate drop to 2.29% on a 5 year fixed term if you are putting less than 20% down!! https://www.zenlending.ca/

Rate changes on 5 year Variable Insured and Insurable Mortgages as well as 5 year fixed Insurable!! https://www.zenlending.ca/ .

Here's a great post I would like EVERYONE to read who's following my page. I will use big banks when the situation arises. A lot of people ask why I don't you use the big banks more. And in one article it explains the exact reason why. Every time I run into someone who thinks the best interest rate is always a better deal I try to educate them about pre payment penelties. I just did an example the other day for someone who had a TD mortgage. It would have cost them $17,000 t...o break a mortgage with them. When I ran the calculations it just did not make sense for them to switch their mortgage. The educational piece came in when I said had they gone with one of the different alternative lenders I use their payout penalty would have been around $2,600. Please read this article. https://toronto.ctvnews.ca//bank-charges-mom-30-000-mortga

https://www.zenlending.ca//variable-vs-fixed.-what-is-the-

Is your Mortgage interest rate above 3%??

All those out there looking at potentially purchasing a piece of property I highly recommend this article from BNN. It's a very down-to-earth practical explanation about why real estate is still a good investment. For most people as they get older this becomes their pension or income after 65. Company pensions that come with jobs are harder and harder to come by. This becomes that forced savings over the course of a person's lifetime. When people look at the short picture th...ey get worried about the ups and downs and depreciation. But in the long-term as you carry this mortgage from property to property you're putting money away for one day when you might need it. Often times people over 55 will turn their property into a CHIPS mortgage. This allows them the opportunity to pull Equity from their home on a monthly basis. If you are thinking of purchasing a property I highly recommend getting a verbal pre-approval done just to see where your budget is when purchasing a home before you start shopping. I would love to help you out with that Journey. Have a great weekend!!! https://www.facebook.com/316731163205/posts/10159937160658206/

Great quick little read during these uncharted times. I am sharing this from a good friend of mines Facebook page, Front Door Real Estate.

I've created a spot on my web page, zenlending.ca, for you to host your online video of your rental property. Listen to this video I've created for more information. I am offering this service FREE of charge!! SHARE this with anyone you know who would benefit from the service described in this video.

What a great way to start a weekend!!

www.zenlending.ca Renewal advice if your Mortgage is coming up!!

www.zenlending.ca #yegmortgagebroker #yycmortgagebroker #reddeermortgagespecialist

https://m.facebook.com/story.php?story_fbid=10163134165365648&id=888585647

Happy Easter everyone!!! #yycmortgagebroker #yegmortgagebroker #reddeermortgagespecialist

If you have not had a chance please check out my website. There is a bunch of useful information on there in regards to links and the covid-19. And believe it or not there is actually some other stuff on there that relates to mortgages www.zenlending.ca... Have a great week!!