It’s all either marketing or sales

If you really think about it, everything you do is either marketing or sales. If you are married, you have made a sale. If you are single and on a dating platform then you’re marketing. If you employed for someone else then you have made a sale to get hired. If you are self employed then you are marketing for new business.

We are either selling our selves or our services. But when you actually come to think about it, it is much more enjoyable buying than being sold. When you know exactly what you want it is so much easier to say no to everything that is not in alignment with your goal.

My goal is to provide my clients with the information that they require so they can make their own informed decisions about one of the biggest … Read more

Best Real Estate Apps for 2021

If you are in the market to buy your next home there is a very good chance that you also have a smart phone in your pocket. So here is a list of the apps that you should have to make your house hunting a little bit easier.

Let’s start with the most popular app Realtor.ca. It will help you whether you are looking for your dream home, next home or your investment property. This app with help you with your real estate search from coast to coast.

This one is pretty cool. Try Zolo.ca. It says that it is powered by MLS and that it’s listings are updated every 15 minutes so you will know when that hot property hits the market. Experience is similar to Trulia & Zillow which are huge in the US. However if … Read more

Happy Valentines Day

Short post today, I just wanted to wish you and your loved ones a very Happy Valentines Day. There is nothing greater than unconditional love, except maybe chocolate and they both go together today.

I look forward to hearing from you in regards to your mortgage needs.

Pat

p.s- You can click on this link to start the process whenever you are ready. Schedule your meeting with me here.

p.s.s- I should tell you that I am licensed in Nova Scotia, Ontario(M18001555) & in British Columbia(BCFSA #504098).… Read more

Not created equal

Sometimes when things appear similar on the surface are in fact vastly different. My twin daughters for example, both extremely smart but couldn’t be more different. My 5K run vs your 5K run, yes the distance may be the same but you could be training hills while I am running flats. My Nissan Pathfinder vs my friends Pathfinder, same vehicle but two different dealership experiences and reliability histories.

The same can be said about your mortgage experience. Even when rates are similar, lenders can vary widely with pre payment privileges, qualifications and credit guidelines. This can also apply between brokers and with the same lender. This will all have to do what process they use.

If the bank and or broker that you are using has gotten you approved without requesting your income confirmation or reviewing all your documents then … Read more

Just 1% better!

Many of us want to make massive improvements in our lives. Weather it’s getting in shape, making or saving more money or improving your relationships. Sometimes you think that the prospect of acheiving those goals is too monumental. You could be right if you are tying to do it all at once. Remember the expression ” Rome wasn’t built in a day”, and neither were you.

However what if you break it down and start small. Start by just focusing on improving 1% better today and doing another 1% tomorrow.

So if it is 1 push up today, it’s 2 tomorrow.

5 min walk today, then increase that by another 1% tomorrow. Then soon you will be jogging and eventually running if that is your goal.

Want to ready more books this year, start by reading 1 page a day. … Read more

The path of least resistance

I just love this quote, and really rings true when we are talking about your mortgage renewal. This is because it is so easy just to sign the mortgage renewal from the big 5 bank and get back to your day. Other than signing the renewal statement you don’t have to do anything else. However what you don’t realize is that you will be paying through the nose. The banks are counting on you to take the avenue of least resistance as this is how they will make the most money.

Here is the thing, the big 5 banks are very competitive with the broker channel when it comes to you taking out the initial mortgage in most cases. However when it comes to your mortgage renewal they are counting on you being lazy and just signing the renewal statement … Read more

The Power of a Deadline

Isn’t it amazing how much you can accomplish when you know that it absolutely has to get done. It could be the term paper that is due the next day, the taxes that need to be filed or the rent that is due the end of the month. When faced with a hard deadline things just seem to get done. At this point failure is not an option and excused be damned, you are laser focused on the end result. This is the time for massive action.

What have you been putting off that you could be doing now? Did you make a goal to finely get in shape this year, and just realized that it is now February and all you do is work and watch tv. Did you say that you this will be the year that you … Read more

Just breathe

Sometimes when you find yourself in a stressful situation, you need to focus on the one thing you can actually control and that is your breath. The past is gone and the future hasn’t happened yet. Pause for a second and count out 5 breaths, long and deep breaths too. There doesn’t that feel better.

I look forward to hearing from you in regards to your mortgage needs.

Pat

p.s- You can click on this link to start the process whenever you are ready. Schedule your meeting with me here.

p.s.s- I should tell you that I am licensed in Nova Scotia, Ontario(M18001555) & in British Columbia(BCFSA #504098).… Read more

Words to live by

I would also add to this, before you purchase get pre approved.

I look forward to hearing from you.

Pat

p.s- You can click on this link to start the process whenever you are ready. Schedule your meeting with me here.

p.s.s- I should tell you that I am licensed in Nova Scotia, Ontario(M18001555) & in British Columbia(BCFSA #504098).… Read more

Stock up on the #Stormchips

According to Enviroment Canada we are in for a good old fashioned winter storm tomorrow. We could have up to 40cm. Check out this link from the Red Cross to make sure that you are prepared. Also when it comes time to shovel, make sure that you do it safely and these tips from the Mayo Clinic may help.

Also there is talk about a big sporting event later today, but I have to say I am more interested in what we will be eating than the actual event.

I look forward to hearing from you.

Pat

p.s- You can click on this link to start the process whenever you are ready. Schedule your meeting with me here.

p.s.s- I should tell you that I am licensed in Nova Scotia, Ontario(M18001555) & in British Columbia(BCFSA #504098).… Read more