Carrie Nenke, Mortgage Agent Lic.#M15002662
133 Byron Street North L1N4M8 Whitby, ON, Canada

Our clients mean the world to us! We work directly with each client to ensure its success! We love what we do! #finances #mortgages #realestate #gta #whitby #oshawa #clarington #5star #durhamregion #durhamrealestate

Tis the season to help when we can and however we can. We are passionate about our community and our goal is to increase our community involvement to help those in need. This year we adopted a family from Holiday Hope through Children's Aid Society. What I love about this is they give you a bit of a personal connection to the family you are helping. This year has been hard on so many and it feels amazing to be able to help someone. If you are interested in a wonderful charity contact Holiday Hope. #christmas #giveback #tistheseason #helpingthoselessfortunate #blessed #grateful #local #whitby #whatawonderfulfeeling #ikindofwantadollhousetoo

**CONTEST - FREE GIVEWAY** Check out our Instagram page on @jc_communitycapital for more details on how you can enter to win!

We are a little excited about finally getting our signage! Come visit us at 133 Byron Street North, Whitby. We are open 9-5 Mon-Fri. Would love to see you. Weekends and evening by appointment. Photo credit by @dasberggrace #mortgages #durhamregion #realestate #realestateinvestment #welovewhatwedo

I can never express my gratitude enough when I get visits from family, friends, referral partners and clients. Your amazing support means the world to us! @jlavadan @camaravickie @themortgagegoddess #mortgages #durhamregion #durhamrealestate #communitycapital

Mortgage deferrals are coming to an end.

Some good news in the mortgage industry!

Couldn't be happier for this amazing family! Congratulations!!

Good News! Genworth and Canada Guaranty are not following CMHC's strict new guidelines, at least not for now.

BREAKING NEWS! CMHC is forecasting a 9-18% decrease in housing prices over the next 12 months and their view is that in order to protect the market, they are placing more restrictions on qualifying. Effective July 1st, when putting less than 20% down, these restrictions will be put in place. Simply put they are as follows:... 1. Limiting the Gross/Total Debt servicing ratio from 39/44 (provided you had a higher credit score than 680) to 35/42. This is the calculation is based on how much debt you have together with your mortgage payment, property taxes and heat divided by your gross income. What this means is buyers will not be able to afford as much house. 2. Minimum credit score of 680 for at least one borrower. 3. Down payment cannot be borrowed I.e. from lines of credit or credit cards. Anything that will cause more indebtedness, will not be allowed. If you already have an Approval in place, then you do will not be affected by the new rules. If you do not, and you are in a position to purchase, you may want to do so sooner rather than later. If you have any questions regarding these new rules, please feel free to reach out to me.