Dig deep!

Often with clients it’s necessary to ask them tough questions about their personal and financial situation. This is because we need to know in advance of sending their file off for approval if there are any possible roadblocks or issues that need to be addressed. You see I would prefer to know of anything that may prevent the client from getting approved so it can be dealt with prior to getting any surprises from a lender.

Getting to know my clients and getting as much as possible upfront allows the process to be much smoother for the client, the broker and the lender. Sure there are lenders who will approve files with just the application and the credit bureau but why run the risk of getting into trouble as you move toward funding.

In most cases this is the largest … Read more

Surprises are the best!

I have to say that unexpected surprises are the best. I just received one from a colleague and it totally changes your mood to your day. If haven’t been on the receiving end lately then I suggest that you become the giver and it will do you more good than you could imagine. Bring your significant other a present ( flowers are nice) or pay for the order for the car behind you in the drive through. Seeing their faces light up will make you forget about all your worries at least for a moment and we all need more of that right now. Try and let me know how it goes.

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 … Read more

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 thing to worry about during the week. They also plan their training for the week ahead.

Burnout is just another way of saying decision fatigue. You get to a point in your day where you are mentally spent from having made too many unplanned decisions. Steve Jobs notoriously wore the same outfit so it was one less thing that he had to decide on for his day.

Start slowly by planning what you will be wearing for the next day by laying it out the … Read more

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 you believe you are the way you are and nothing can change that, you need to read Mindset by Dr Carol Dweck. We all have the capacity to grow and improve, you just have to learn the right strategies.

You want to run a marathon, start by walking, then jogging then running short distances and build up from there. The best way could be to do it for a good cause like this one.

You want to make more money, focus on being excellent at … 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

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 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