Usually when you pay for something you own it. The exception to this rule is for real estate appraisals. When and if they are required, they requested and owned by the lender. On the odd chance that we your broker have a copy, just remember that we can not release it to you.

Appraisal are required if you are putting more than 20% down on a property and high ratio mortgage insurance is not involved. However there are a few lenders who use an Automatic Valuation Service to confirm the value of the property thus negating the need for a full appraisal inspection. Also as of late appraisals have been required if the agreed upon purchase price exceeded the listing price by a large margin. This is because of our hot real estate market.

Today I am thankful for the … Read more


New Clients

The best kind of new clients to get come from referrals. This could be from past clients or referral partners like realtors or financial planners. This is because they come pre screened from a trusted source so they are people who really know what they want and have already been told who you are and how you operate.

This is why I spend time every day developing relationships with these same referral partners. Every day I reach out and connect with my referral partners. To those who are afraid of cold calls, these calls are not cold and there is no selling involved. The purpose of my calls is just to touch base and keep the lines of communication open and see how people are doing. It’s not complicated, just just relationship building. If you are in sales, this is … Read more

Can Do Attitude

Can Do Attitude

Let’s face it in life shit happens to all of us. It is how we deal with it that sets up apart. Having a defeatist or pessimestic will only make the situation worse. Once you have gotten over the initial shock of what happened to you, start looking for ways to overcome your obstacle.

So you gained a few too many pounds during lockdown, after you are done feeling sorry for yourself do something about it. The same goes if an unexpected bill arrives and threw a wrench into your financial plan, deal with it. Faced with prospects of your rent increasing when the moratorium lifts, you know it’s coming now it time to do something about it.

Take responsibility for what happens to you makes it that much easier to overcome the issue in the first place. Just because … Read more


Stressed and can’t think

When you are having stressful moments and trust me they do happen. Then get up and do something that does not require any thinking. Go for a walk, cut your grass, meditate or workout. Enough to get your mind off what was effecting you day. Know that whatever it is, it too shall pass.

Today I am thankful for friends who call me back when I need them and they know who they are and thank you, that myself and my family are in great heath and that temporary inconveniences are there to make your better in the long run.

“The greatest weapon against stress is our ability to choose one thought over another.” William James

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


p.s- You can click on this link to start the … Read more

Future Homeowner

Future Homeowner

Any goal worth achieving will take some planning to make happen. Take our hot real estate market for example. If you plan on buying a home in the not too distant future then you need to start to work on a few things to make that happen. We are going to look at the two most common road blocks to home ownership, being credit and down payment.

If you don’t already know your credit score, you should surf over to Equifax ( One of the main credit monitoring agencies) and get a copy of your free credit report. If you have had late payments to your creditors in the past then they will need to be paid as soon as possible. If you have not had credit in your name in the past then you will need to get a … Read more



Rules in life and in mortgages are made to be broken, on an exception basis. Lenders look at your mortgage application and judge it based on the 5C’s of credit ( Character, Capacity, Credit, Collateral and Capital). Having a strong strength in 4 out of the 5 would be grounds to request an exception.

Note however that if the area that is suffering is credit, it is highly unlikely an exception will be granted. Most often the exceptions are coming from the Capacity or the debt service component. This is usually due to the applicant’s above average credit rating, high net worth and low loan to value.

There is nothing to lose and everything to gain by requesting an exception to get your file approved and completed. We must just build the case to show a compelling reason for the … Read more

Bankers Hours

Broker’s hours vs banker’s hours

Simply put, unless I am sleeping, eating or doing a workout I will take your call or return your text. Try getting that same level of service from your bank or even your bank mortgage specialist who have extended hours on occasion. However even-though I may take your call, if my corresponding lender is not available the best I can do is answer your questions to the best of my ability.

Although I do not get many client calls or texts on the weekend, it does happen and I want to make sure that they are take care of and that I have property answered their questions. I can’t imagine waiting to try to get questions answered on baker’s hours.

Today I am thankful for an early morning start to a 80K bike ride with friends, having tools to fix … Read more

The High Road

The High Road

There are moments in life where people do you wrong for seemingly no logical reason. You could do what a lot of people are doing these days and trash them on social medial and huff and puff and go around how they are ruining your life. Or better yet you could be the bigger person, acknowledge what was said and done and move one like a grown up.

I admit that yes it does suck but letting it bother you and effect all area’s of your life frankly sucks a lot more. You can not control the events around your life. The one thing that you can control is your response or reaction to those events. This does not mean that you should not defend yourself, but doing so should not also involve also trying to take down the person … Read more



Your life changes drastically in so many ways after you have kids. We started with two in 2004. My wife had twins that were 11 weeks early and we spent the first 8 weeks in NICU for one and 12 weeks for the other. Thankfully they are now healthy 16 almost 17 year olds. Having kids teach you that you can survive on less than 4 hours sleep, how to change diapers half awake and that these little people do not care if you can’t sing well. Although my wife has a great singing voice.

My girls adapted well to a schedule of every four hours and slept pretty well when it wasn’t the scheduled time to get up. There were the odd times when they were older (3 or 4) and dropped their stuffies and cried blue bloody murder … Read more


Being Stoic

Acording to Merriam-Webster being stoic is defined as someone who accepts what happens without complaining or showing emotion. This is especially true when something bad or unpleasant is happening. However I think it’s more than that, I think it’s the ability to keep your emotions in check without suffering from the deep downs or the incredible high’s.

This ancient philosophy is alive and well thanks to the writings of Marcus Aurelius, Epictetus and Seneca. Many modern great minds and leaders were know to practice the teachings of Stoicism, from George Washington, Walt Whitman, Adam Smith, Ralph Waldo Emerson and many others. At it’s core are tools and teachings to help you live a better life, with courage, temperance, justice and wisdom.

“If at some point in your life, you should come across anything better than justice, truth, self-control and courage, … Read more