Spicer Vo Mortgage Inc.
610 Wright Avenue Unit 2 B3B 0H8 Dartmouth, NS, Canada

#FeedbackFriday! Thanks, Andrew for your kind words! "Great folks to work with! Was working with a tight deadline for closing and John set up a meeting very quickly with us and helped us get everything inline on time...Would definitely recommend using these guys!"... - Andrew G. . . . . #SpicerVoMortgage #SpicerVo #MortgageBroker #HalifaxRealEstate #Financial #Halifax #NovaScotia #EastCoast #NS #RealtorsCA #CanadianRealEstate #Refinancing #RealEstateTips

First-Time Buyer Mistakes to Avoid: Not knowing how much you can afford! One of the first mistakes first-time homebuyers make is shopping for a home before they know how much they can afford. You may have a rough idea of how much you’d like to pay for a house there’s usually a clear difference between a $300,000 home and a $500,000 home. ... But even a difference of a few thousand dollars can substantially change your monthly mortgage payments, especially if you can’t afford a reasonable down payment for a more expensive home. Need help finding a budget for your first home? We are here to help! . . . . #SpicerVoMortgage #SpicerVo #MortgageBroker #HalifaxRealEstate #Financial #Halifax #NovaScotia #EastCoast #NS #RealtorsCA #CanadianRealEstate #Refinancing #RealEstateTips

Refinancing a Mortgage in 8 Steps. Step 1.) Decide whether you need to apply for a loan. Refinancing your mortgage is a serious and long-term commitment. Therefore, before you approach a lender, you must first determine whether you have a good enough reason to apply for a loan.... You must be honest with yourself in deciding whether you’re about to incur a good debt or a bad one. Borrowing is not just a temporary solution to escape your financial troubles. It is also an important opportunity to build good credit history, and ultimately, its main purpose is to improve your overall financial situation in the long run! Need help with refinancing? Get in touch! . . . . #SpicerVoMortgage #SpicerVo #MortgageBroker #HalifaxRealEstate #Financial #Halifax #NovaScotia #EastCoast #NS #RealtorsCA #CanadianRealEstate #Refinancing #RealEstateTips

Average MLS house prices increased 19% in the third quarter of 2020 compared to the same period last year. Houses in the higher price ranges have seen higher sales growth so far this year in Halifax. . . .... #SpicerVoMortgage #SpicerVo #MortgageBroker #HalifaxRealEstate #Financial #Halifax #NovaScotia #EastCoast #NS #RealtorsCA #CanadianRealEstate #Refinancing #RealEstateTips See more

Are you buying a home and need help with your mortgage needs? Spicer Vo Mortgage can give you personable advice and service like no one else! We are always here to answer your questions and get the best mortgage for your needs. Call us today!... . . . #SpicerVoMortgage #SpicerVo #MortgageBroker #HalifaxRealEstate #Financial #Halifax #NovaScotia #EastCoast #NS #RealtorsCA #CanadianRealEstate #Refinancing #RealEstateTips See more

"Progress always involves risk. You can’t steal 2nd base and keep your foot on 1st." - Fred Wilcox . .... . . #SpicerVoMortgage #SpicerVo #MortgageBroker #HalifaxRealEstate #Financial #Halifax #NovaScotia #EastCoast #NS #RealtorsCA #CanadianRealEstate #Refinancing #RealEstateTips See more

Craig Spicer, with over 22 years of experience in the financial services industry, has been looking to partner with the right person. He has joined forces with John Vo, who himself has over 14 years of financial services experience. Craig and John have made the move to build their own brand: Spicer Vo Mortgage Inc., while still brokering under the Premiere Mortgage Centre umbrella. With a tremendous base of loyal clients, Craig and John both have similar morals and work ethic...; as they pride themselves on their hard work and personal approach. They are excited for this partnership and the support team they are building as self-employed business owners, which will benefit all their clients in the market for a mortgage. Spicer Vo Mortgage Inc., a top producing mortgage company, will continue to utilize Premiere Mortgage Centre's second-to-none support team and technology to ensure their clients always get the best service and mortgage possible. Welcome to Spicer Vo Mortgage Inc.! www.spicervo.com #SpicerVoMortgage #HalifaxRealEstate #MortgageBrokers #Promo #Team #NewEraOfMortgages

Thank you to all our amazing business partners, Premiere family and clients! We are now the #2 Team for Mortgage Volume & #3 for Units in Atlantic Canada! I guess bringing Craig and John together was a good idea after all! In the market to buy your first or next home? Coming up for renewal? Contact us! We're ready to help ... https://spicervo.com/ #SpicerVoMortgage #TopTeam #MortgageBrokers

Anyone planning on dressing up as one of these costumes this year? They are very close to home to say the least!

Happy Thanksgiving from our family to yours! #SpicerVoMortgage #GivingThanks

As Mortgage Brokers, our focus is always on our clients, but we are only as good as the partners and lenders we have. Luckily, we have access to some of the best in the business! Thanks for your continued friendship and support, boys! #SpicerVoMortgage #TD #HomeTrust #Merix

10 Closing Costs You Need To Know When Buying a Home! LAND TRANSFER TAX When a home changes hands, many provinces and a few municipalities charge a property transfer tax or title transfer fee. Rates are usually on a scale of 0.5% to 2% of the home’s value and can add thousands to your purchase price. First-time homebuyers qualify for rebates or exemptions in some provinces.... Having a firm understanding of these potential costs is incredibly important and often overlooked. Message us for more info! www.spicervo.com #SpicerVoMortgage #HalifaxRealEstate #ClosingCosts

The Canada Emergency Response Benefit (CERB), which gave support to Canadians who had their employment affected by the COVID-19 pandemic has come to an end. Here's what you need to know If you collected CERB through Service Canada, there is nothing you need to do. You will automatically be switched over to EI if you qualify and once you’ve collected all the CERB benefits. If you collected CERB through the Canada Revenue Agency you will need to apply for EI through Se...rvice Canada after September 26. Some won’t qualify for the revamped EI program. There are new benefits being put in place by the federal government to help some of those people. #CERB #SpicerVoMortgage #EI

What does being part of a team mean to you?

Get out of the thinking fast and act on what you know. If you wait to learn it all you will never get started! #WisdomWednesday #SpicerVoMortgage #JustDoIt

Time to batten down the hatches for #HurricaneTeddy! Make sure you have your candles, flashlights, ice, and storm chips ready! Stay inside and #BeSafe

10 Closing Costs You Need To Know When Buying a Home! APPRAISAL FEE Your lender may ask you to have a home appraised to confirm its market value. Fees vary depending on a property’s value and complexity, but are typically around $400 or so.... Having a firm understanding of these potential costs is incredibly important and often overlooked. Message us for more info! http://ow.ly/vRpM50BLm5s #SpicerVoMortgage #HalifaxRealEstate #ClosingCosts

What a great way to end the week! Thank you, Bonnie Jean for your kind words. We love helping our existing clients! Especially those who have stuck with us for so long! #SpicerVoMortgage #FeedbackFriday #HappyClients

Whether you want to get in the car and drive to Cape Breton Island or stick close to home and explore, this list is for you. There’s even things to do in your backyard! #SpicerVoMortgage #ExploreNS #lovewhereyoulive

#Throwback to the time John got TV famous. "Whether you think you can or can't, you're right. Mindset is so important in achieving our goals" #SpicerVoMortgage #TBT #Goals

To buy or not to buy. It’s a question many people struggle with. And, it’s important to know if you truly want to own a home before you’re firmly entrenched in the homebuying process. To help you decide, here are some things to consider! #SpicerVoMortgage #RentvsBuy #NewHome

The project is listed under 1525 Birmingham St. in Halifax and comes with five properties, including several Queen Street row houses built in the late 1800s. #HalifaxRealEstate #HistoricBuildings

Thank you to all of our partners and clients for helping us reach the #2 team spot in Atlantic Canada! We love what we do and strive for each one of our clients to feel the same! It's been a strange year for us all, but we are committed to helping you make your mortgage one less thing you need to stress about! Thank you and don't hesitate to reach out to us. We're always in your corner! - John & Craig... #SpicerVoMortgage #TopTeam #MortgageBrokers

The Bank of Canada has retained its current overnight rate at its effective lower bound of 0.25%, saying that it will be continuing its quantitative easing through its large-scale asset purchases of at least $5 billion in Government of Canada bonds weekly. #BoC #MortgageRates #SpicerVoMortgage

We're going through this as we speak! With rates so low, buyers are available so if you're looking to sell your home, your Realtor will thank you!

How was the first day back to school for you and the kids? To keep it interesting, comment with an emoji!

Wishing you all a fun and safe Labour Day long weekend from your team at Spicer Vo! #SpicerVoMortgage #LabourDay #WorkHardPlayHard

OSFI, Canada’s banking regulator, announced it will start phasing out special regulatory capital treatment of deferrals given improving economic conditions. The changes are effective immediately for mortgage payment deferrals granted by the Big 6 banks through to the end of September. Those deferrals will now only receive special capital treatment for up to three months as opposed to six. After September 30, any deferrals will be treated according to OSFI’s normal rules.... Read more: http://ow.ly/2BRq50BfgzZ

Thank you so much for your kind words, Blaquiere family! Craig is good in our books, too! We love helping our clients and it seems to be clear our main focus in customer service. Some things will never change! #SpicerVoMortgage #HappyClients #TuesdayTestimonial

The Atlantica Hotel in Halifax announced this massive renovation back in January before Covid-19 hit in March, but the hotel management decided to push through. Excited to see what $15M will look like!

You don’t have to be rich to give children a good start in life. Here are strategies to use with kids of any age! #SpicerVoMortgage #FinancialLiteracy

What are the benefits of working with a Mortgage Broker? 10. ONGOING SUPPORT AND CONSULTATION! Even once your mortgage is signed and paperwork is complete, we are here if you need any advice on closing details or even future referral needs. We are happy to be of assistance when you need it!... Message us for more info! http://ow.ly/1cO150B9Z1z #SpicerVoMortgage #HalifaxRealEstate #MortgageBroker

Sure, it’s nice to walk into a perfectly staged, move-in-ready house where the price is right. But don’t discount a place just because the carpet is worn or the faucets and fixtures are outdated! These are fairly easy fixes, not to mention bargaining chips. Use your imagination and don't forget about our Purchase Plus Improvements mortgage! #SpicerVoMortgage #PurchasePlus #HalifaxRealEstate

Great weekend with great friends. We love our mortgage family!

Thinking of selling your home? NOW may be the time to do it! Rates have never been lower for homebuyers, with rates as low as 1.89% and the market is in need of inventory. On the fence? Call your Realtor or message us to get access to our preferred partners!

Continuing the upward trend that started in June, home sales bounced back to pre-COVID levels in July, soaring 30.5% year-over-year! The market is right now!

Thank you, Krysta for your kind words! It was our pleasure assisting you. Have mortgage questions? Ready for a move or want to refinance? Give us a shout! We're happy to help. www.spicervo.com... #SpicerVoMortgage #TestimonialTuesday #WeLoveWhatWeDo

What a great way to end the week! So happy for our clients closing today. It seems they were happy too as they dropped this beauty off! We have the BEST clients! Thank you!... #WeLoveWhatWeDo #ClosingDay #SpicerVoMortgage

What are the benefits of working with a Mortgage Broker? NO COST TO YOU! There is absolutely no cost to you for our services on typical residential mortgage transactions. How can we afford to do that? Like many other professional services, such as insurance, mortgage brokers are generally paid a finder’s fee when we introduce trustworthy, dependable customers to a financial institution. ... These fees are quite standard and nearly industry-wide so that the focus remains on you, the customer! Message us for more info! www.spicervo.com #SpicerVoMortgage #HalifaxRealEstate #MortgageBroker

The Bank of Canada will reduce the benchmark qualifying ratea.k.a., stress test ratefrom 4.94% to 4.79% this week. This is not a huge change but will help homebuyers qualify a bit easier. Every little bit helps! Contact us if you have any questions! More to follow later this week

True story! Although buying that dream home in paradise wouldn't hurt, either! #Paradise #MondayMotivation #SpicerVoMortgage

Happiness is an everyday job, and there are simple things you can do to shift your mindset and really, truly enjoy life!

#Throwback to our airport pit stop on the way to our Premiere conference a couple years back. Looking at this table, it reminded us of how lucky we are to work with such powerhouse mortgage agents! The best in the business right here! We're surrounded by great partners and even better friends! Can't ask for much more than that ... #SpicerVoMortgage #TBT #ChoosePremiere

Thank you so much Tom & Lisa! We greatly appreciate your kind words. Honest, fast and fair is exactly what we strive for with each and every client! Thank you #HappyClients #SpicerVoMortgage #HalifaxRealEstate

Happy Natal Day from Craig and John at Spicer Vo Mortgage!

Whether you’re looking to keep cool in the yard or want to see what the province has to offer from Yarmouth to Cape Breton here are 5 Things To Do In Nova Scotia When It’s Too Hot Outside!

Your friendly reminder that Nova Scotia has made wearing masks mandatory in indoor public spaces today. Still not feeling comfortable meeting us in person for your mortgage needs? No problem! We are still able to work digitally and guide you through the process without you having to leave the comfort of your home! #SpicerVoMortgage #WearAMask #DigitalMortgageExperience

It all starts with first finding peace within yourself! #SpicerVoMortgage #InnerPeace #WisdomWednesday

What are the benefits of working with a Mortgage Broker? GET EXPERT ADVICE! When it comes to mortgages, rates, and the housing market, we’ll speak to you in plain language. We can explain the various mortgage terms and conditions so you can choose confidently!... Message us for more info! www.spicervo.com #SpicerVoMortgage #HalifaxRealEstate #MortgageBroker

We want to know, what's your favourite thing to BBQ during the summer months? Comment below what you've been grilling #SpicerVoMortgage #WhatsForDinner #BBQSeason

Non-medical masks will become mandatory in most indoor public places in Nova Scotia on July 31. The province's chief medical officer of health said the move is aimed at minimizing the impact of a second wave of COVID-19 in Nova Scotia. #BeSafe #WearAMask #SpicerVoMortgage

Thank you so much Betty Ann, we appreciate you taking the time to leave us a review! #LoveWhatYouDo #SpicerVoMortgage #HappyClients

So as Halifax becomes more diverse, especially how we’ve become more successful in immigration, how successful we’ve been at international student attraction and retention, that makes us that much more competitive to attract those global players.

Thank you to all our clients, referral and lending partners. We are so grateful to now be a team and make the #2 spot in Atlantic Canada! We absolutely love what we do and want to thank each and every one of you for your continued support and partnership! It's been a tough year for everyone but we are determined to make the best of it and help as many people as possible realize their dreams of homeownership! ... Thank You! #SpicerVoMortgage #HalifaxRealEstate #Awards

Our lives are made of moments Most are fairly normal, but many are special. If we take time to make each moment a little more special, and some of them a lot more special, you begin to see why wasting time is wasting some of the best moments of our lives! #LoveLife #WisdomWednesday #SpicerVoMortgage

What are the benefits of working with a Mortgage Broker? THINGS MOVE QUICKLY Our job isn’t done until your closing date goes smoothly. We’ll help ensure your mortgage transaction takes place on time and to your satisfaction.... Message us for more info! www.spicervo.com #SpicerVoMortgage #HalifaxRealEstate #MortgageBroker

It's important to consider not only what you can afford now, but what you’ll be able to swing if a baby comes along, your career goes off-track, or the property you buy needs a major repair.

Now’s the perfect time to play tourist in our own city! What are your favourite local gems in Halifax? #lovewhereyoulive #SpicerVoMortgage #Halifax

Make at least one definite move daily toward your goal! #BruceLee #WisdomWednesday #SpicerVoMortgage

You can get up to 500 AIR MILES Reward Miles* with your mortgage! Contact us to learn more! http://ow.ly/SPiL50Asgvy... #SpicerVoMortgage #GetRewarded #AirMiles

People struggle with making habits stick for one simple reason: They make a rational commitment instead of an emotional one. Until you’re emotionally committed to a particular habit, you won’t see it through. Here’s how to form an emotional connection to your habits!

Are you one of the many people travelling through Atlantic Canada today? Let us know what you've experienced so far with traffic and the checkup system #AtlanticBubble #SpicerVoMortgage #TrafficForDays

Happy Canada Day from Spicer Vo Mortgage! Wishing you all a great day spent with family and friends!

Celebrate Canada’s 153rd birthday with fun events and activities. Though many events and celebrations have moved online, there are still some in-person events you can take part in Halifax! #CanadaDay #ProudToBeCanadian #Halifax

What are the benefits of working with a Mortgage Broker? GET ACCESS TO SPECIAL DEALS AND ADD-ONS Many financial institutions would love to have you as a client, which is why they often offer incentives to attract creditworthy customers. These can include retail points programs, discounts on appliances, shopping clubs, and more. We do the math on which financing and mortgage insurance offers might be worth your attention so you get the perks you deserve!... Message us for more info! www.spicervo.com #SpicerVoMortgage #HalifaxRealEstate #MortgageBroker

Are you buying a property this summer? Renovating your home? Renewing your mortgage? Or need to consolidate debt? Spicer Vo Mortgage is here to help! Contact us today! http://spicervo.com/

July 3rd it is! Give a if you're excited for the Atlantic bubble!

Thank you, Derrick for your review. We love hearing feedback from our clients! #TestimonialTuesday #SpicerVoMortgage

Cheers to all the great Dads out there! Happy Father’s Day

Did you know that we can now offer our clients AIR MILES Reward Miles*? You can get up to 500 Miles with your mortgage! Contact Craig or John at Spicer Vo Mortgage to learn more!... https://spicervo.com #SpicerVoMortgage #GetRewarded #AirMiles

We are excited to announce that Premiere Mortgage Centre has been selected as a finalist for Brokerage of the year in Atlantic Canada! We are so grateful to be a part of this amazing team! #SpicerVoMortgage #MortgageAwards #BrokerageOfTheYear

What are the benefits of working with a Mortgage Broker? ENSURE THAT YOU’RE GETTING THE BEST RATES AND TERMS Even if you’ve already been pre-approved for a mortgage by your bank or another financial institution, you’re not obliged to stop shopping! Let us investigate to see if there is an alternative to better suit your needs!... Message us for more info! www.spicervo.com #SpicerVoMortgage #HalifaxRealEstate #MortgageBroker

A light at the end of the tunnel for families looking to keep their kids busy this summer.

We appreciate your kind feedback, Lisa! Thank You for taking the time to leave us a review. We greatly appreciate it! #lovewhatyoudo #review #SpicerVoMortgage

Great news for homebuyers! Genworth confirms that it has no plans to change its underwriting policy related to debt service ratio limits, minimum credit score and down payment requirements. Similarly, Canada Guaranty said it confirms that no changes to underwriting policy are contemplated as a result of recent industry announcements."... Remember, there are 3 Mortgage Insurers in Canada so there are still 2 that have decided not to make these changes. Contact us. We're happy to answer any of your questions! #SpicerVoMortgage #MortgageInsurance #HalifaxRealEstate

Wise words from a wiser man. #MLK #BLM

The Canada Mortgage and Housing Corporation (CMHC), Canada’s national mortgage insurance provider, unveiled stricter underwriting policies on Thursday for insured mortgages. The measures include: Limiting Gross Debt Service (GDS) ratios to 35% (from 39%) Limiting Total Debt Service (TDS) ratios to 42% (from 44%)... Raising the minimum credit score to 680 (from 600) for at least one borrower Banning non-traditional sources of down payment that increase indebtedness Have questions? Message me!