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Pat Sawler
902-465-5533
HALIFAX OFFICE:
1959 Upper Water Street
Suite 1301
Halifax, NS B3J 3N2
SURREY OFFICE:
7404 King George Blvd
Suite 200
Surrey, British Columbia, V3W 1N6
Nova Scotia Brokerage 2021-3000179
Broker 2021-3000180
10 Things NOT to do once your financing is approved.
Congratulations you have just been approved for a mortgage on the new home that you are buying. You went through all the steps with your banker or broker and now all you can do is wait till you pick up your keys on the closing day in a few weeks. You may think that just […]
Subject free offer’s
This is when you write an offer to buy a property without any conditions. So there would be no financing condition, no property inspection and no subject removal period. Once accepted by the vendor ( the seller) it’s a done deal. Well at least in your mind and the sellers mind it’s a done deal. […]
Peaks and Valleys
There are seasons to the year just like there are peaks and valleys to your life. If you are like many where the last year with the pandemic was challenging for you both personally as well as financially then you should now be starting to pick up steam and make improvements to many areas of […]
The Rate Game!
Over the last few weeks the rates on five year fixed mortgage have steadily risen as the corresponding bond yields have also increased. This all has to do with recent concerns with inflation or better yet a game of cat and mouse between bond traders and the FOMC ( Federal Reserve’s Federal Open Market Committee) […]
We are all connected
Whether you believe it or not, we are all in this together so it works best for each of us if we help each other out. I know that we are all fighting internal battles that nobody really knows anything about. However you have to realize that you are probably not the first in your […]
My business runs on Zoho
While using a web-surfing tool called Stumbleupon about 12 years ago, I landed on a page about Zoho and it’s products. I had been searching for a great CRM for my business and all the competitors that I had found were much more expensive and not as user friendly. So here is a run-down of […]
Plan B!
Sometimes our best made plans go astray. Things don’t always turn out as you have planned so you need to be prepared with alternative solutions to help you reach your goals. Planned to go to Florida for vacation but could not get a flight, but still intend on going so look at other options to […]
24 Hour Service!
You have to admit that we live in a busy non-stop world. As long as you have internet service you can shop on-line 24 hours a day, stream the latest tv show, movie, do general banking or in most cases get tech support if you needed it. However our modern connected world does have it’s […]
38 Months in
Doesn’t mean anything to you? Well it should if you are planning on signing a 5 year fixed mortgage rate in the near future. 38 months is the average when people break their five year fixed mortgages. They could be broken for any number of reasons, marriage, divorce, job loss, job transfer or big promotion. […]
Fix your Variable
Most people like the fixed mortgages for peace of mind it gives them knowing that their payments will be the same every month. Those who go variable or adjustable rate mortgage like that they paying less than those on fixed rates 9 times out of 10. However there is a way to give you both […]
Dig deep!
We do all the heavy lifting up front so the process can be as smooth as possible
#TuesdayVibe
Well after several months of mortgage rates going down, they turned the corner and started going back up yesterday. As fixed mortgages are tied to bond yields, they hit a 10 month high on Monday with the 5 year bond closing at 0.67% forcing lenders to pass the increase on to borrowers. The bond yields […]
Plan Ahead!
As the common expression goes ” If you fail to plan, then you plan to fail”. Since today is Sunday, it is the day the highly organized plan for their upcoming week. Athletes that I know call this meal prep Sunday where they prepare the meals for the upcoming week so it’s just one less […]
Work in progress
Let’s face it, we are all in some way or another a work in progress. Always striving to improve and better ourselves. We want to be in better shape, make more money, have a better relationship, get out of debt, learn a second language, travel the world or better yet learn more and faster. If […]
Take your pick!
The worst kinds of calls to get as a mortgage broker is when someone calls and asks for your best 5 year fixed rate. My answer typically is that it depends. Although I know what the rock bottom 5 year fixed rate is for that particular day, there is no guarantee that is what they […]