Jennifer Watts Valley Mortgage Broker
6321 King George Blvd V3X 1G1 Surrey, BC, Canada

With real estate values in the Fraser Valley increasing significantly on average in 2020, many parents and grandparents have expressed concerns about what this means for future generation’s housing prospects. Legacy investing is a concept intended to give your loved ones a leg up in the housing market of the future. If you’re interested in learning more join Realtor Casey Duncan and myself for a 30 minute virtual chat.... Follow the link below to register. https://caseyduncan.ca/legacy-investing-leveraging-your-eq/

25 Days of amazing giveaways right here folks...

Check out this beautiful property

Great read on some of the key characteristics of grit - which is a term we hear a lot these days. https://www.google.ca//s/www.entrepreneur.c/amphtml/284439

That time of year is nearing once again and this article includes a great quick reference chart. https://www.ctvnews.ca//covid-19-flu-cold-or-seasonal-alle

It’s another beautiful day out there and hopefully you’re finding ways to keep cool. One of my favourite ways pre-Covid was a paddle in White Rock but I haven’t been able to this year as I don’t own my own and the rental shops are closed. Can anyone recommend a great inflatable board that feels like a hard board? And speaking of hot (see what I did there lol) the market these days is mirroring the weather and rates continue to drop so if you’re looking to purchase, renew ...or refinance feel free to reach out with any questions. Happy Tuesday! . . . #paddleboarding #whiterockbc #summerpaddle #valleymortgagebroker #bringingyouhome #mortgagebroker #fraservalleybc #surreybc #langleybc #realestatemarket See more

Happy weekend! It’s going to be a hot one. Are you plans to hide indoors with the A/C or hit the beach? If you need to cool off I recommend the City of Surrey’s free socially distanced swims @ tidesout.com. Head to the pool in the morning to sign yourself up for a spot. . . . #summer #beautifulbc #weekendvibes #itsgoingtobeahotone #augustinbc #beachtime #cityofsurrey #freeswims #tidesoutsurrey

Happy weekend! Its going to be a hot one. Are you plans to hide indoors with the A/C or hit the beach? If you need to cool off I recommend the City of Surreys free socially distanced swims @ tidesout.com. Head to the pool in the morning to sign yourself up for a spot. . . . #summer #beautifulbc #weekendvibes #itsgoingtobeahotone #augustinbc #beachtime #cityofsurrey #freeswims #tidesoutsurrey

Great read - and interesting to note how the Spanish flu influenced design. https://vancouversun.com//36d49a10-47fa-4f77-a167-8176832/

I received some great news this morning. I’m getting $1.5 million dollars from Interpol and the UN Crime Fighters (sounds like a cool group) as compensation related to an international fraud ring. Lucky me. In all seriousness, phishing of this nature is a very real issue and one that continues to become more and more sophisticated. And while this example may be as transparent as Madonna’s recent bra shots, some can be harder to spot as illegitimate. I’ve seen impressive-l...ooking phishing emails from big banks and retailers (like Apple) that are much harder to spot as fakes. A few things to keep in mind: -who it’s addressed to (dearest?) -spelling, punctuation and grammar errors (see if you can find them all in this one) -the ‘from’ line email address -the ‘two’ line email address (hello ‘undisclosed recipients’) -attachments (very seldom would an FI or business be sending unsolicited attachments in a mass email) -imbedded links (even CRA will instruct you to visit your CRA online account but won’t include a hyperlink) And of course the most important - requests for passwords and personal information. A trusted business would either a) already have this information or b) if this information was compromised they would notify you by phone and potentially want to verify you in person. If you have even the slightest inkling that’s something is off, then there’s a good chance that it is. Check and double check, trust your gut and stay safe out there in the cyberworld folks. . . . #cybercrime #phishing #cybersecurity #emailsafety #digitalawareness #amilliondollarsforme #undisclosedrecipients

Still one of my favourite walks in the world @wildpacifictrail It’s seems surreal sometimes to me how truly beautiful this province of ours is. . . .... #wildpacifictrail #tofino #goplayoutside #uclulet #beautifulbc #naturewalks See more

Did somebody say craft beer?

I received some great news this morning. Im getting $1.5 million dollars from Interpol and the UN Crime Fighters (sounds like a cool group) as compensation related to an international fraud ring. Lucky me. In all seriousness, phishing of this nature is a very real issue and one that continues to become more and more sophisticated. And while this example may be as transparent as Madonnas recent bra shots, some can be harder to spot as illegitimate. Ive seen impressive-l...ooking phishing emails from big banks and retailers (like Apple) that are much harder to spot as fakes. A few things to keep in mind: -who its addressed to (dearest?) -spelling, punctuation and grammar errors (see if you can find them all in this one) -the from line email address -the two line email address (hello undisclosed recipients) -attachments (very seldom would an FI or business be sending unsolicited attachments in a mass email) -imbedded links (even CRA will instruct you to visit your CRA online account but wont include a hyperlink) And of course the most important - requests for passwords and personal information. A trusted business would either a) already have this information or b) if this information was compromised they would notify you by phone and potentially want to verify you in person. If you have even the slightest inkling thats something is off, then theres a good chance that it is. Check and double check, trust your gut and stay safe out there in the cyberworld folks. . . . #cybercrime #phishing #cybersecurity #emailsafety #digitalawareness #amilliondollarsforme #undisclosedrecipients

Still one of my favourite walks in the world @wildpacifictrail Its seems surreal sometimes to me how truly beautiful this province of ours is. . . .... #wildpacifictrail #tofino #goplayoutside #uclulet #beautifulbc #naturewalks See more

Check out this beautiful property!

You’ll likely be seeing a lot of these posts over the next few days and you may be wondering how does this affect me? Or you may even be thinking 4.94%? That’s a terrible mortgage rate! So what is a qualifying rate? It’s the one used by lenders to qualify borrowers for mortgages to ensure that the borrowers can still afford the mortgage with future rate increases. In terms of actual mortgage dollars the increase buyers will see from a 10 point drop is pretty modest, ...but if you’re stretched thin on income or buying with a low down payment it might just get you right where you want to be. But keep your eyes out for more changes coming because IMO policy shifts don’t usually happen in isolation, which means we could see more changes coming for the industry in the short term. That’s why there’s no time like the present to get that Pre Approval, Renewal or Refinance application locked down because the market is ever-changing and one thing we can’t do is go back in time. Questions? Let’s chat. . . . #mortgages #mortgagefinancing #qualifyingrate #bankofcanada #policychanges #mortgagebroker #surreybc #langleybc #fraservalleybc #mortgageadvice #realestate #homebuying #refinancing See more

Interesting read, in particular with summer just around the corner. https://www.npr.org//from-camping-to-dining-out-heres-how-

I received an email from a friend this evening that said OMG Did you know that home prices are going to fall 18% this year? And we find ourselves here yet again, with our hands hovering over the proverbial panic button. But how can we not? When every headline out there seems to scream that fateful inevitability at us - take cover kids! The real estate sky is falling! ...Continue reading

Youll likely be seeing a lot of these posts over the next few days and you may be wondering how does this affect me? Or you may even be thinking 4.94%? Thats a terrible mortgage rate! So what is a qualifying rate? Its the one used by lenders to qualify borrowers for mortgages to ensure that the borrowers can still afford the mortgage with future rate increases. In terms of actual mortgage dollars the increase buyers will see from a 10 point drop is pretty modest, ...but if youre stretched thin on income or buying with a low down payment it might just get you right where you want to be. But keep your eyes out for more changes coming because IMO policy shifts dont usually happen in isolation, which means we could see more changes coming for the industry in the short term. Thats why theres no time like the present to get that Pre Approval, Renewal or Refinance application locked down because the market is ever-changing and one thing we cant do is go back in time. Questions? Lets chat. . . . #mortgages #mortgagefinancing #qualifyingrate #bankofcanada #policychanges #mortgagebroker #surreybc #langleybc #fraservalleybc #mortgageadvice #realestate #homebuying #refinancing See more

No question is too small, and getting timely answers matters most. Feel free to message me anytime - Im here to help. https://www.youtube.com/watch?v=Zof8MtUso7A&feature=youtu.be

Long weekend + delicious takeout =

Happy Long Weekend! Stay safe out there. . . . #beautifulbc #socialdistancing #fraservalley #fraservalleybc #nature #outdoors #ilovewhereilive #victoriaday

Many BC Parks opens today for day use/hiking trails. A great opportunity to get out into nature while staying safe and distanced. What is your favourite local park to visit? . . . #bcparks #hiking #thegreatoutdoors #provincialparks #goldenearspark #fraservalleybc #fraservalleylife

The Tynehead Hatchery was built in 1988 with the goal of rehabilitating the Serpentine Rivers salmon run. If you havent had a chance to check out this 260 hectare park its an absolutely beautiful oasis in the middle of the city (with some excellent nature trails). . . .... #tyneheadhatchery #salmonrun #familyfieldtrips #surreybc #thefutureliveshere #tyneheadregionalpark #serpentineriver See more

This location is

***** GIVEAWAY ***** *******MUST BE DONE ON INSTAGRAM***** @buy_with_ashley I hope everyone had an amazing Easter weekend. I know for our family it was differe...nt and sad not having everyone over for dinner but we still managed to have a wonderful day! Jordan and I spent a lot of time in the yard doing yard work! I LOVE when all the flowers start to blooms and the hanging baskets are hung! Did you know @cedarrim is a local family run nursery in Langley. They have everything you need for your garden and so much more!! Just like many, they have also been affected by the Virus with their sales. They are however doing an amazing job keeping everyone safe while staying open! You can also order online and either have it delivered OR do a contactless pick up! AAAAMAZING!!! @cedarrim has graciously donated this beautiful basket for me to give away!! I have chosen a number between 1-250. Like the picture and start guessing! 1 guess each! Please only locals in the Fraser Valley. I will drop off at your front door once I have a winner! #contestgiveaway #contest #giveaway #spring #flowers #springtime #iloveflowers #supportlocal #localnursery #community #fraservalley #langley #localrealtor #yardwork

A firefighter has never been criticized for using too much water. BoC announces another key interest rate cut today. Questions? Im always here to talk. https://www.morningstar.ca//bank-of-canada-cuts-rates-a-th

This is definitely the hardest and the most humbling post weve ever written. We never expected to have to ask this, but we need help. As many of you know alre...ady, our family was just about to open the doors to our new restaurant, Haven Kitchen + Bar in Langley. We were so excited to show you the spot that we created for people to gather and celebrate as we have poured our heart and soul into this for over two years. We took personal risks, sold off our investments, and gave everything we had to a dream that weve been talking about for years. As with many restaurants, getting to the finish line has been a roller coaster. Our team is exhausted and so are our funds. Today, we were supposed to be opening our doors to the public. Instead, on Monday night our family decided that it was best to do our part in preventing the spread of Covid - 19 and delay our opening. There was no way we would ever forgive ourselves if we put your families at risk. This was a devastating decision for us. Listening to Hayley and Katie call over 60 staff and lay them off one by one thats a soul crushing experience that we hope to never have to do again. Our beautiful new restaurant now sits vacant and the stress only continues. The bills are adding up already. We have a large lease to pay, leased kitchen/bar equipment, and the final construction costs to cover. Without assistance we do not know how we will survive this. We are asking you to please consider purchasing a gift card. Consider it a temporary loan, emergency bailout, or a downpayment on some delicious food and cocktails, to help us through this closure. They are available for purchase now on our website: https://havenlangley.com We cant thank you enough for always supporting us and our dreams, and helping us through this time. We hope you and your family are healthy and happy and we cant wait to see your smiling faces when the coast is clear. Our staff will know when they see that beautiful gift card slide into the bill fold, that you stepped up and helped out when called upon, and kept our dream alive. #supportlocals

JUST LISTED! $799,000 20979 80 Avenue, Langley, BC So much to love here! This incredible NON-STRATA 4 bedroom, 3.5 bathroom 3 level half-duplex in Langley's des...irable Yorkson community is a rare find: double garage, driveway parking for 2 additional vehicles, fenced yard, partially covered balcony with natural gas fireplace and gas bbq hook up, open concept main floor, stylish modern aesthetic, gorgeous white kitchen with gas stove, island seating, and pantry, bathrooms on every level, large lower level rec room, wide foyer with flex room for home office / den, master bedroom with ensuite, soaker tub, and walk-in closet, air conditioning, on-demand hot water, built-in vac., security system, side by side laundry with folding table and additional storage, close to transit, schools, and so much more! No Strata Fees / No Strata Bylaws. Hurry! See more

Great read. Are you working from home for the first time? How have you adapted? https://fortune.com//your-tips-for-working-from-home-with/

John Cena and the Key Interest Rate cut? Read on... Youve probably seen or heard the headline: Bank of Canada cuts overnight rate by half a percent but what does it actually mean? Well, if youre in a variable rate mortgage (or considering one) or if you have a home equity line of credit it could mean a lower cost of borrowing. ... Example: You have a variable rate mortgage (VRM) at prime minus .70%, you were paying 3.25% (3.95-.70%). Now, as of March 5th with a prime rate drop youll be paying 2.75%. Keep in mind that while many lenders are changing prime not necessarily all are. While the overnight rate influences prime rate there is no single prime rate. Ultimately, its at the financial institutions discretion whether they change their bank prime rate, though the market does tend to move as a pack (as of today the Big Five Banks have all committed to cutting their prime). But what if I have a fixed rate or Im considering one? What do I get then? The short answer is nothing. Fixed mortgage rates are tied to bond yields (not the overnight rate) so it has little bearing. If youre looking for a fixed rate mortgage you may see some downward movement over the course of the spring but that could simply be due to seasonality and competitive forces. Could there be another cut to the overnight rate coming? Sure. But rather than trying to predict the future, it is important to keep in perspective that we are still at historically low mortgage rates, so if youre looking to secure low rate financing (either variable or fixed), in the words of John Cena, THE TIME IS NOW. Questions? Lets talk. *Picture of John Cena provided as click bait and because Im sure everyone is tired of seeing an exterior shot of the central bank ;)

Check out this beautiful home - perfect for all those soccer moms and dads sick of trying to one parking Saturday and Sunday mornings

Just had to share Happy Monday!

Happy Pink Shirt Day! Choose kindness

218-20728 Willoughby Town Centre Dr. Langley 539,900 Condo living at its finest! In the heart of Willoughby Town Centre, this corner unit home has over 1000 s...qft of living space including 2 bedrooms, 2 FULL bathrooms AND a den. Open concept living with large windows throughout and most importantly a massive wrap around deck for all your entertaining needs! Steps away from shopping, dining, yoga, grocery store and more to come. This community is growing quick with so much to offer. Quick commute to HWY 1 and the Carvolth Exchange. Don't miss out! Ashley Chalmers 604-999-4341 See more

Check out this beautiful Central Surrey condo...

Great list but I feel like its missing a few: Kits Pub, Tommy Africas, Cheers, Nevermind to name a few...and lets not forget the China Beach specials. Where was your go-to place? https://604now.com/vancouvers-once-popular-night-clubs-whe/

Giving me some serious flashbacks of Capri suns and banana seat bikes lol - great article from Scary Mommy https://www.scarymommy.com/10-reasons-growing-up-in-the-80/

If anyone is in the market for a townhome this one is in a great location!

Some excellent (and very practical) tips to keep you on track if resolutions are your jam. https://www.google.ca//10-tricks-to-meeting-2020-new-/amp/

A quick read on this year's property assessments. If you have any questions about yours I'd highly recommend speaking with a realtor. If you'd like me to connect you with a great one just send me a quick note. https://www.bclocalnews.com//bc-views-magnetic-interest-i/

Dont miss your chance to enter Caseys incredible 25 days of giveaways!

A little festive reading in honour of the season Happy Weekend! https://www.thebeaverton.com//vancouver-gingerbread-house/

After 18 years of working with banks and credit unions I have made the switch to the broker world in order to provide clients with more options. I am happy to announce that I have joined a leading firm in the area, Mortgage Architects: A Better Way, as a licensed Mortgage Broker. I am committed to providing personalized financing solutions for individuals and families across the Fraser Valley with the goal always in mind to help cut through the noise and make financing easy t...o understand. If you have a chance to check out my website I'd be grateful for any feedback www.valleymortgagebroker.com Thank you for all of your support and referrals and I'm looking forward to an exciting new year ahead!