Tis the season

Ready or not we are now prime into the Holiday season of 2021. The Jewish Holiday of Hanukkah started yesterday and continues through Monday December 6th. So I want to wish all those celebrating the Jewish “Festival of Lights” a very Happy Hanukkah. Then we have Christmas and Kwanza not far behind.

So with all the festivities and parties with friends and family coming up, give the gift that means the most your presence. Be there for your friends and family. Listen, learn and help them if needed. This is way more important than finding and buying the perfect gift. The gift of your time and attention to a loved one is far more important. Leave the actual presents for the kids.

Today I am thankful for the ability to work at home so I can drive my kids to school when we have inclement weather, the excitement and the traditions of the Holiday season and that I was able to help out a new broker this weekend.

“The best way to spread Christmas cheer is singing loud for all to hear.” – Will Ferrell

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

Patrick

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).

p.s.s.s You can download my new mortgage app here

What a relief

What a relief is what you say to yourself after the completion of an important or stressful event. It could be your recent wedding or divorce, a big race or sporting event that you spent a long time preparing for or the recent closing or your mortgage. Celebrate that the event is now over and the stress that came with it was almost all self induced.

In hindsight you now realize that you stressed out and worried about nothing. The event came and went and nothing tragic happened. So getting worried and stressed out only succeeded in stopping you from really enjoying life. Nothing is really good or bad unless you label it as such. So drop the labels, see events, people and things just as they are, neither good, bad or indifferent. You will then realize that life has so much more to offer you when you do.

Today I am thankful for the recent book I read which was “Awareness” by Anthony de Mello, a coating of snow when I got up this morning and a situation that I had stressed myself about last night is finely over and nothing really came of it so I worried for nothing.

“We have nothing to fear but fear it’s self.” Franklin D Roosevelt

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

Patrick

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).

p.s.s.s You can download my new mortgage app here

Triple check

For accuracy and when it’s important please double check then check again the accuracy of your information that you are submitting on your mortgage application. Purchase and sales are time sensitive so an undiscovered error at the last minute could potentially delay your closing. This is why we review everything then we check it again and again to make sure that there are no error’s or missing paperwork.

Your home purchase is one if not the largest single investment in your lifetime, this is why we want everything to go smoothly as possible. However we are all human so by checking multiple times lessens the risk of anything slipping through the cracks.

Today I am thankful for the fact that the rain held off this morning so Augie and I could squeeze in our morning walk, a quiet house with my girls having 1st period off and another client becoming homeowners today.

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

Patrick

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).

p.s.s.s You can download my new mortgage app here

Practice Patience

Easy to say, somewhat difficult to do on a consistent basis. It’s easy to be zen and relaxed while meditating at 5am and the house is quiet. It is quite another to maintain the same level of zen stuck in stuck in rush hour traffic taking my daughter to see the parade of lights in Halifax last night.

I fully admit that I am a work in progress. However I try to improve each and every day so mistakes of the past are not repeated the following day. Instant gratification only happens in movies. So if you are stuck in traffic, shopping for Christmas on Black Friday weekend or putting in what maybe your 9th offer to purchase a home. Stay patient as things always have a way of working out.

Today I am thankful that my kids did not inherit my impatience, that the tools are readily available to help me improve in this area and anything I have stressed about in the past has always worked out.

“The enemy is the necessary condition for practicing patience.” Dalai Lama

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

Patrick

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).

p.s.s.s You can download my new mortgage app here

Saved by routine

We all have those days that we don’t feel like doing X or Y. However if it’s Tuesday and you normally run 5K on Tuesday, guess what you’re doing. That’s right you are going for a 5K run as that is what you normally do. The run gets you out of your funk and also helps you clear your head.

Sometimes routine saves you. It saves you from having to decide what to do. Steve Jobs notoriously wore the same outfit everyday, this was because he could save his cognitive energy for more important things than deciding what to wear. Routine allows you to be more creative because it cuts out so many monotonous decisions that you no longer have to make.

Productive routines are actually good for you and allow you to get more done and remain creative and productive. Gone are the days when it was thought that routines were limiting for you. So just remember that runners run, writer’s write and saver’s save. Those are all productive habits, we all have days where we don’t really feel like it but just continuing your productive habit with make you feel so much better.

Today I am thankful for my daily exercise and writing routines, my wife’s homemade chocolate chip cookies and calls that were made weeks ago that lead to some new business.

“You will never change your life until you change something you do daily. The secret of your success is found in your daily routine.” John C Maxwell

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

Patrick

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).

p.s.s.s You can download my new mortgage app here

Herding Cats

Sometimes business and life is a lot like herding cats. You tell clients and kids what they shoud do and then they go off and do the opposite. Since the pandemic began last year we have been going out for groceries once a week on Friday’s. My kids take this as personal challenge to eat any and all remaining food that we have in the house on Thursday just so the cupboard is bare come Friday.

Also on the business side, to all those who are not in the mortgage business they think it’s a predominantly an analytical endeavour where it’s mostly about numbers. While knowing numbers does play a significant role in this business it is largely a people business. You see every client is different and has their own needs, requirements and personal history. By listening and hearing them out it makes them that much easier to help.

Today I am thankful for the fact that it is finally grocery day, challenges with clients have been overcome by listening to their needs and requirements and technology that allows me to keep relationships going with friends oversea’s.

“Dogs come when they are called, cats take a message and get back to you later.” Eloisa James

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

Patrick

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).

p.s.s.s You can download my new mortgage app here

Push & Pull

There are still some old school sales people who use push and pull tactics to get people to buy from them. The sad part of that strategy is that they will most likely only buy from you once and never recommend you to friends and family. My business is built on a strong word of mouth from my past clients and my referral sources, so I am never going to push and pull you to do business with me.

Sure there are other people in my field who will reduce their commission to next to noting to get your business but you need to know in advance that is not me. I strive on treating my clients and referral sources how I want to be treated. I am not going to walk into your shop and demand a discount or I am waking. You have to make a living too. I am going to take the time and explain the opinions to you so you know that you getting a solution that is ideal for you.

I always come to the table with the best rates and terms that are available. That is the advantage of dealing with a broker. I told a client this week to take another offer on a private financing purchase as my investor and I could not match it. At the end of the day I want my clients to be happy and whether that is with my products and services or from a competitor that’s fine with me as I know that I have offered the best solution that I have available. I am not going to push or pull you.

“Stop selling, start helping” Zig Ziglar

Today I am thankful for waking up and seeing the results of the first snowfall of the year, for my clients and referral partners who choose to do business with me and for my daughter who can’t seem to keep track of her clothes.

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

Patrick

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).

p.s.s.s You can download my new mortgage app here

Last minute challenges

Last minute challenges, call for last minute solutions. We all want things to proceed smoothly as planned, but sometimes that is not always the case. When problem arise as they sometimes do, don’t think why me. Instead think about being grateful for the opportunity to come up with some creative solutions. Always focus on the end in mind and solutions will appear much easier than if you are thinking about why you got the problem in the first place.

Today I am grateful for the last minute solutions to a challenge that popped up yesterday, prospective clients that take the initiative to call when they have questions or need help and business partners who go above and beyond to help.

“If you’re not apart of the solution, you’re apart of the problem.” African Proverb

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

Patrick

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).

p.s.s.s You can download my new mortgage app here

Little Win’s

Sometimes in life it’s important to celebrate the little wins. It is because all the little wins added up over time give you the momentum to achieve the bigger wins in life.

Celebrate finishing your first 5K race, not your position at the finish line but the fact that you finished it.

Your son winning their first basketball game of the season. Not the championship but just as exciting.

The fact that you completed a workout is a win, as you are light years ahead of those who did not get off the couch.

Having your down payment saved up is a win as you have managed to take control of your finances.

Getting pre approved is a win as it shows that you have mastered your credit as well.

Getting your offer accepted is a win, specially in this hyper competitive real estate market.

Don’t wait for some far off date to celebrate those big wins. Take the time now and celebrate each and every small win.

Today I am thankful for a fun weekend with the wife and the kids, that it does not take much to realize that life is a series of small victories and that everything is so much more fun when you focus on the the victories.

” The great victory, which appears so simple today, was the result of a series of small victories that went unnoticed.” Paulo Coelho

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

Patrick

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).

p.s.s.s You can download my new mortgage app here

Be Flexible

The renowned success coach Anthony Robbins says “be committed to your goals but flexible in your approach”. The first way that you tried to do something doesn’t always work out for you. You have to be willing to adapt, try new things and stay persistent until you have achieved your desired result.

This certainly applies to those who are looking to buy a home in this hyper competitive market. It’s very rare that people succeed at their first offer to purchase these days. While some are successful on their 3rd or 4th offer some are taking many many more. It is also a good idea look back at your past offers with your agent and see who close you were to becoming the winning bidder. This way you know what if anything you have to adjust to get your offer accepted.

This is because that doing the same thing over and over again yet expecting a different result is actually the definition of insanity. Be cognizant of what is working and what isn’t. Then have the wherewithal to make the required changes. Once done you will find out that things just come into place and it will all work out.

“Give up the thought that you have control. You don’t. The best you can do is adapt, anticipate, be flexible, sense the environment and respond”. Frances Arnold

Today I am thankful for my daily flexibility routine that keeps me moving well, clients who won the bidding war and learning from the mistakes of others so I don’t repeat them myself.

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

Patrick

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).

p.s.s.s You can download my new mortgage app here