Happy Clients is what drives any successful business. Focusing on the commission may only get you one single transaction, but focusing on exceeding your clients expectations will bring you many many more. Sure the commissions are good in this line of work, but I prefer to focus on building relationships and exceeding expectations. There are […]
When the first thing that you talk about with clients is rate, then you have just limited yourself to being a rate broker. I told another broker on our national facebook group that if you do this you have to be prepared to live by the sword and die by the sword. Actually rate will […]
With all the talk about possible impending interest rate increases in the new year, there is still a way to have your cake and eat it too. As it stands today lender are still offering deep discounts on variable rates. For example a AAA client purchasing and putting down less than 20% may get access […]
Earlier this week on the regular mortgage mastermind group that I attend with Dustan Woodhouse. He asked the group what are you doing different now vs prior to the pandemic. The most common response was that we are not doing any more face to face meetings. 20 years ago when I started it was the […]
If you don’t know something you Google it. Yes the company with the same name has also become a verb describing the action of searching for information online. If you want to learn how to cook, you Google it. The same for working out, learning a new language, buying insurance, buying a new home or […]
When buying a property which is often your single largest invesment in your life, it’s a good idea to know your numbers backwards and forwards. In this article I am going to talk about deposit on purchase. Deposits are required on purchase & sale agreements when you become the successful bidder on the property. It […]
In more normal real estate markets, people would look at several homes and then buy the one that was perfect for them. Show up on the day after it closed with all their suff and carry on with their lives. In today’s real estate market with next to no inventory, people are bidding on the […]
There is lots of talk about an impending increase to the bank of Canada prime lending rate. This is because inflation has been on the rise recently. Also rising inflation is usually a sign that the economy is doing well. While I do not profess to be an economist and can’t really give you any […]
Sometimes clients who apply for a pre approval or a mortgage ask me not to pull their credit. They are concerned that my pulling their credit will negatively effect their credit score. When you apply for a mortgage through a broker or a financial institution, as part of the application process you give permission for […]
In this age of highly competitive real estate market, sometimes you just have to jump and offer on the next available decent house in your price range. However since the homes are going for well over asking price and sometimes with interiors that have not been touched since Justin Trudeau’s father was Prime Minster, a […]
If you are currently house hunting or planning to refinance and would like to close on before the end of the year, then please choose your dates wisely. This is because we have 3 statutory holiday’s within the last week of the year. Christmas & Boxing day fall on Saturday & Sunday this year and […]
Your mortgage like most things in life takes a team to make happen. It is more than just you and me. Here are some of the players on our team. Myself your broker- I help you complete the application and assist you in getting your documents together. Review all the supporting documents ( credit, income, […]
In a very competitive fields like mortgage brokering, car sales, financial planning or real estate sales, where most of the established agents have a similar level of knowledge. Clients are attracted and retained not by how much you know as the playing field is pretty level after you have been doing it for a while […]
When all is said and done then you can put your guard down and celebrate. However beware of premature elation. You financing is not complete when the vendor accepts your offer. It’s not complete when your mortgage request has been approved. It’s not complete when all financing conditions have been approved. It is only complete […]
https://craigburn.com/wp-content/uploads/2021/10/external-content.duckduckgo-3-3.jpg842474Pat Sawlerhttps://craigburn.com/wp-content/uploads/2015/03/craigburn-logo2-e1426637601970.pngPat Sawler2021-10-26 11:55:322021-10-26 11:55:35All said and done
A few years ago I wrote a post about how you can calculate out your own debt service and figure out on your own how much house you can afford. A lot has changed since I published that in 2015, so today I wanted to update a few key components to that prior post. Insurer’s […]
Happy Clients
Happy Clients is what drives any successful business. Focusing on the commission may only get you one single transaction, but focusing on exceeding your clients expectations will bring you many many more. Sure the commissions are good in this line of work, but I prefer to focus on building relationships and exceeding expectations. There are […]
The rate game
When the first thing that you talk about with clients is rate, then you have just limited yourself to being a rate broker. I told another broker on our national facebook group that if you do this you have to be prepared to live by the sword and die by the sword. Actually rate will […]
Mitigate your risk
With all the talk about possible impending interest rate increases in the new year, there is still a way to have your cake and eat it too. As it stands today lender are still offering deep discounts on variable rates. For example a AAA client purchasing and putting down less than 20% may get access […]
Meeting Request
Earlier this week on the regular mortgage mastermind group that I attend with Dustan Woodhouse. He asked the group what are you doing different now vs prior to the pandemic. The most common response was that we are not doing any more face to face meetings. 20 years ago when I started it was the […]
Google it
If you don’t know something you Google it. Yes the company with the same name has also become a verb describing the action of searching for information online. If you want to learn how to cook, you Google it. The same for working out, learning a new language, buying insurance, buying a new home or […]
Know your numbers
When buying a property which is often your single largest invesment in your life, it’s a good idea to know your numbers backwards and forwards. In this article I am going to talk about deposit on purchase. Deposits are required on purchase & sale agreements when you become the successful bidder on the property. It […]
Fixer Upper
In more normal real estate markets, people would look at several homes and then buy the one that was perfect for them. Show up on the day after it closed with all their suff and carry on with their lives. In today’s real estate market with next to no inventory, people are bidding on the […]
Inflation and interest rates
There is lots of talk about an impending increase to the bank of Canada prime lending rate. This is because inflation has been on the rise recently. Also rising inflation is usually a sign that the economy is doing well. While I do not profess to be an economist and can’t really give you any […]
Don’t pull my credit
Sometimes clients who apply for a pre approval or a mortgage ask me not to pull their credit. They are concerned that my pulling their credit will negatively effect their credit score. When you apply for a mortgage through a broker or a financial institution, as part of the application process you give permission for […]
Purchase Plus Improvements
In this age of highly competitive real estate market, sometimes you just have to jump and offer on the next available decent house in your price range. However since the homes are going for well over asking price and sometimes with interiors that have not been touched since Justin Trudeau’s father was Prime Minster, a […]
Year end closings
If you are currently house hunting or planning to refinance and would like to close on before the end of the year, then please choose your dates wisely. This is because we have 3 statutory holiday’s within the last week of the year. Christmas & Boxing day fall on Saturday & Sunday this year and […]
Teamwork
Your mortgage like most things in life takes a team to make happen. It is more than just you and me. Here are some of the players on our team. Myself your broker- I help you complete the application and assist you in getting your documents together. Review all the supporting documents ( credit, income, […]
Be Caring
In a very competitive fields like mortgage brokering, car sales, financial planning or real estate sales, where most of the established agents have a similar level of knowledge. Clients are attracted and retained not by how much you know as the playing field is pretty level after you have been doing it for a while […]
All said and done
When all is said and done then you can put your guard down and celebrate. However beware of premature elation. You financing is not complete when the vendor accepts your offer. It’s not complete when your mortgage request has been approved. It’s not complete when all financing conditions have been approved. It is only complete […]
Mortgage Math Revised
A few years ago I wrote a post about how you can calculate out your own debt service and figure out on your own how much house you can afford. A lot has changed since I published that in 2015, so today I wanted to update a few key components to that prior post. Insurer’s […]