Tag Archive for: Halifax Mortgage Broker

The power of routines

Whether you call them routines, habits or schedule they are all the same. What you do consistently day in and day out has power. These actions taken every day have the power to move you quickly toward you goals. Those who are successful have morning routines. I have been getting up the same time for so long I don’t really need an alarm as I am awake anyway.

I am of the frame of mind that great routines are freeing rather than constraining you. If you meditate every day first thing in the morning then the chances are that you get out of bed with purpose knowing what you will be doing. The same can be said for your daily exercise routine and your daily work routines. Making the important things consistent and automatic make them that much easier to accomplish.

You want to run 5K, then make running part of your routine. Want to exponentially improve your sales, then make prospecting and follow up part of your daily routine. If it is important enough to you, then you will be able to find the time to fit it into your routine.

Today I am thankful for my 60 min power zone rides on Peloton on Saturday mornings, having one of my kids who also loves running and my dog who loves going out for his walks as much as I do.

“Your Future is Found in Your Daily Routine. Successful People Do Daily What Others Do Occasionally”. Paula White

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

Going through the motions

Some days it feel like you’re just going through the motions and not making any discernible progress. I just mentioned this to my brother JP and his response was perfect. He said somedays it feels like your going through a muddy road and the next day it feels like pavement, the trick it to just keep moving.

So if you feel like you are spinning your wheels one day, take solace that as long as you don’t quit progress will come. Not every book you read will give you that ah-ha moment. Not every push up makes you stronger. Not every call will lead to a sale. Not every file will close. The trick is to continue to putting in the effort and the cumulative effect of all those books, all those push-ups, calls and files will lead to immense progress.

Today I am thankful for an opportunity to teach my son how to deadlift for his virtual gym class, Friday calls with my family and a beautiful sunny morning to do a workout in my driveway.

“Even if you’re on the right track, you will get run over if you just sit there”. Will Rogers

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

Hurry Up, and Wait!

The mortgage business like many others is filled with moments of hurry up and wait. Hurry up I need you to take my mortgage application, but have to wait to receive the supporting documents in order to submit it for approval. Hurry up and get me approved, but have to wait for the underwriter to review the file and approve it. Hurry up and get all the conditions met so I can advise my realtor, but have to wait for the fulfilment specialist to review all the documents.

As much as we and clients want things done yesterday, things take time. I find that the process proceeds much more smoothly when expectations are set in advance and advised what the timelines are for various stages. This is also why I request a full document package up front and upon submission so this minimizes any potential surprises and allows for a much smoother transaction.

Today I am thankful for receiving my 1st shot of the Pfizer-BioNTech vaccine, actually having access to a vaccine at all to fight this pandemic and being up before all the jackhammers started going this morning.

“Sure enough even the waiting will end…if you can just wait long enough.” William Faulkner

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

Bridge the gap

Private loans or often called bridge loans help bridge the gap between your current situation to a better situation. Weather this be because of less than stellar credit, the sale of a property or the completion of construction. Private mortgage financing serves a valuable purpose to help make financing possible when everyone else is saying no.

What private mortgages are not are long term loans. They are called bridge loans for a reason. They are priced based on risk and also the pricing is an incentive to exit the private loan as quickly as possible. With interest only payments and hefty renewal fee’s, if left unchecked you could be eating up what equity you did have if your situation did not improve enough to pay them out. This is why it is fundamentally important to know your exit strategy ( how you pay them off) upon entering into a private loan.

If you need access to private mortgage financing for whatever reason, please reach out to me so we can determine if that type of financing is a good fit for you or your situation.

“Risk comes from not knowing what you are doing”. Warren Buffett

Today I am thankful for a great new podcast that I discovered from NPR called “How I built this“, my son’s class which the project was to make a healthy breakfast, private lenders who know how to turn around important files very quickly.

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

It’s In You To Give

So for the 27th time in the past four years I gave blood. I haven’t always donated, I wanted to but couldn’t get up the nerve until our Crossfit box organized a blood drive and it is hard to chicken out amongst a group of friends. Now I wish I had started years earlier.

In 2015 I was sick with what turned out to be a lacerated ulcer. Unaware that I was bleeding internally I had to be rushed to the hospital by ambulance as I was so weak that I couldn’t walk. After they repaired the hole in my stomach I was then given 4 units of blood to make up for what I had lost. Since my blood type is O- which is classified as universal donor, which means that my blood type can be given to anyone who needs it, I consider it now my responsibility to give back as the supply was there for me when I needed it.

We all have it in us to give the gift of life. It takes no more than 45 minutes out of your day from start to finish. Your simple act of giving blood could help an accident victim survive an emergency surgery, a cancer patient with a necessary life saving transfusion or a newborn survive in NICU. The best reason of all is makes you feel awesome to give of yourself with no exception of getting anything in return.

Sadly not everyone qualifies to donate. Please click here to take the quiz to find out if you are eligible to donate, where you too can feel like a superhero knowing that you have done your part to help save a life or two.

Today I am thankful for the great people at Canadian Blood Services, the blood supply was there when I had needed it and the feeling that I have made a difference in someone’s life today.

“Service to others is the rent you pay for your room here on earth.” — Muhammad Ali

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

Happiness

Yes Happiness! What does happiness mean to you? I know that we are in the midst of a challenging time however we can’t let outside events dictate our current emotional state. Don’t look for external stimuli to decide whether you are happy, sad, frustrated or angry. The one thing that you truly have control over is what you think. Decide now to just be happy, it’s not as difficult as you may imagine.

We all live in the perfect moment of now. The past is gone and the future hasn’t happened yet. Wouldn’t it be a lot better if you were happy, cheerful or ecstatic. This is what I was saying to myself as I ran yesterday, uphill and facing a headwind. It turned into a pretty good run after all.

Don’t wait to be happy till your mortgage is approved, when all conditions are met or even when you take possession of your dream home. Just decide to do it now. The life you create is based upon the decisions that you make, now is the time to make better decisions as we only get one shot at this.

Today I am thankful a great virtual meeting that I had almost forgotten about, a Peloton class with Jessica King who always makes me smile and teaching my son to lift this morning.

“Men are disturbed not by the things that happen, but by their option of the things that happen”. Epictetus

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

Happy Mother’s Day

To all the Mom’s out there, Happy Mother’s Day. We wouldn’t be here if it weren’t for you. I lost my Mom to cancer in 2005 and there is not a day that goes by that I don’t think of her. Her unconditional love and support helped make me into the person that I am today. If your Mom is still alive please give her a hug for me.

Today I am thankful for my wife and the wonderful Mother that she has become, Athens Restaurant for making our Mother’s Day feast and my daughter Georgia for making the Mother’s day desert.

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

Ripple to a Tsunami

Small problems left unchecked soon become catastrophic problems. You eat too many calories and miss too many workouts suddenly you realize that you’re overweight. Put off paying your bills too long and suddenly you wake up and your services have been cut off. Don’t let small problems go unchecked. Do something about them now while they are still manageable.

Here in Nova Scotia we are currently suffering through the Tsunami 3rd wave of the Corona Virus Pandemic. Last spring and summer when we were advised to stay home to stop the spread people listened. Now it seems that some are tired of complying with public health guidance. We have daily totals that are 5X what they were at our peak last year when most if not all people stayed home. Please for everyone’s sake please just listen and stay the hell home.

This is not an impossible task. We’ve done it before and we can do it again. Vaccines are rolling out quicker than ever and testing is happening at record levels. This is not an affront to your personal freedom’s this is necessary for the greater good. Go alone and you may go fast but together we go far.

Today I am thankful for a quiet morning to read while the rest of the house slept, my daughter working in my brother’s business doing what I did at her age and having all the amenities that one could need in our neighbourhood.

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

Sewing Seeds

Sales like any worthwhile objective is all about sewing seeds for a future harvest. Sure instant gratification would be nice but for things to actually turn out the way that you want it to turn out you must first put in the time. Doing that requires making the calls and building the relationships.

Look at it this way, most if not all of us want to be fitter, richer and happier. However how many of us are willing to invest the time and effort on a consistent basis to move us toward our desired result. Those six-pack abs don’t happen over night, unless you are willing to watch what you eat and put in the hours of training it’s never going to happen for you.

Somethings happen faster than others, but you must remain patient and above all else focus as if your end result has already happened for you. This will give you more joy about going through the process and bring you that much closer to the person you were meant to become. Think in 90 day blocks, as the results that you are harvesting today are a direct result of the culmination of the seeds that you have sewn from the past 90 days.

Today I am thankful for a great podcast interview from Tim Ferriss with an amazing woman, a refreshing power zone workout on Peloton and my Friday calls with my family.

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

It’s not about the mortgage!

Yes I am a mortgage broker and have been one for just over 19 years now. When clients come to me they aren’t just looking for a mortgage ( which translates to roughly death pledge from old french). In actuality they are not coming to me for an interest rate either, although some are steadfast that it is very important to them.

What they really want is access to capital to allow them to purchase or refinance a home. The mortgage is just a tool to make that happen. It’s similar to people who go to the hardware store looking for drills, they don’t really want a hand held machine but they really want is something to make holes of certain sizes.

The same can be said about the general public’s fixation on interest rates. Yes great rates are important, but isn’t what you care about the most is the amount of the payment coming out of your bank account? Amortization or the length of the life of your loan has a greater effect on the size of your payment that just the interest rate.

Financing your home is an important decision, don’t leave it up to people who may give you substandard advice. Talk with an expert who just does mortgages so you will get the best advice possible.

Today I am thankful for a dark raining morning where even the birds slept in, a quiet walk with my dog as most of the walker and runners took the day off and an ethernet adapter that arrived quickly from Apple.

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