Tag Archive for: mortgage excellence

Heritage Day 2022

Today February 21 2022 we are celebrating Heritage Day. Every year it rotates between other cultural important events that defined us as Nova Scotian’s. So for Heritage Day this year we are celebrating the cultural landscape of Grand Pré World Heritage Site, which was one of the earliest settlements in Nova Scotia.

The landscape of Grand Pré covers 1,300 hectares of Annapolis Valley farmland. This includes the innovative aboiteau technology that was developed by the Acadian’s in the 17th century with help and support of Nova Scotia’s Mi’kmaq people. The Acadian’s here in Nova Scotia are direct dependents of the French who settled in Port Royal, near Annapolis Roya more that 400 years ago.

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

Work on your weaknesses

Too often people says to play to your strengths. However if you continue to do that you will never move ahead or get better. Those athletes who stood at the top of the Olympic podium over these past two weeks are well rounded in their respective sports or they would not have achieved this recent level of success.

Let’s say that you make a good living and have a comfortable life but that you’re currently renting. If you have always made good money but have not put much time or effort into saving any or managing your credit. In order to get ahead and get what you want you will have to learn to manage those things.

This is one of the reason’s I like Crossfit so much. It’s constantly varied, high intensity type of training. One day you could be maxing out your Olympic lifts and the next day you are running 5K and doing 100 chin ups. Change is constant in our lives, get outside your comfort bubble and push yourself into the unknown each and every day. This will help you grow and get better.

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

Sportsmanship

Of all the headlines coming out of the Olympics in the past few days the one that genuinely grabbed my attention had to do with an athlete displaying an olympic level of sportsmanship and selflessness. During the men’s 1000 meter long track speed skating event final, Kai Verbal from the Netherlands pulled up approaching the final crossover where the skaters change lanes. The allowed the Canadian to finish and capture the silver medal.

You maybe asking why would the reigning 1000 meter world champion in this event do that, well had he not they would have collided during the crossover as he realized that Laurent Dubreuil was going much faster, thus it would have taken them both out. During the highest level of competition demands the highest level of sportsmanship. While I am proud of Laurent for winning the silver, it never would have been possible had Kai not conceded the line for the final crossover.

How you win says more about you than just the fact that you won. It’s not always every man for himself irregardless of what happens to the competition. I don’t know about you but I would not want to win like that. A quick google search will show you countless times during a race an athlete has helped a competitor over the finish line. These are the people I would much rather read about than the look at me I won stories.

“Victory is in the quality of the competition and not the final score” Mike Marshall

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

Family First

I help families finance their dream home or their next home. The needs of the family will always come before the needs of the business. Closing dates can be changed and documents can wait till emergencies have been dealt with.

This rings true this week. I have been working closing a file for a client and just needed a few more documents to make it happen when one of his kids had an accident at school and had to get rushed to the hospital. While family emergencies do happen, I have always said that there are no mortgage emergencies. Everything becomes easier once you have taken care of your 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

Virtually yours

Since the start of the pandemic, I have pretty much eliminated face to face meetings. I may have done 3 in the past 3 years and hundreds of virtual meetings. Of those three meetings in person one did not show up, so I am not only losing the actual time that I have blocked off for the meeting, I lose the time to get there and the time to get back. Which is a killer for productivity.

Virtual meetings are a whole different story. Yes I still block off the same amount of time to meet with the person, but if they are a no show it’s not a great loss of time. Typically I will wait in the online meeting room for up to 15 minutes after the start time, cause sometimes life happens. Then if they are a no show it’s no big deal, I can not miss a beat in my day and continue to stay productive.

When I started doing this 20 years ago, we didn’t have these options. When documents needed to be signed it was always in person, and driving all over town to meet with people was not very productive. Now in the digital age of online meeting software and digital signing programs it can all be done remotely. Saving everyone time and yet remaining productive.

Today I am thankful for the fact that our Canadian Girls did it again and won the Olympic Hockey Gold medal, that I don’t lose any productivity when clients don’t show up for virtual meetings and kids walking to school cause the weather is nice.

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

Might does not make right

Just because you may be bigger, faster, stronger or heck even richer than others does not give you the right to treat people poorly and do as you please. Muhammad Ali said it best when he said ” I do not trust anyone who’s nice to me but rude to the waiter. Because they would treat me the same way if I were in that position.” If you want to be treated fairly then treat people how you want to be treated. The golden rule was valid 2,0000 years ago and still valid now.

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

Freedoms & responsiblities

There is a lot of talk recently about freedoms and I think that is best paired with responsibilities. We are free to do so many things but we are also held responsible to not do others for the sake of public safety. You have the freedom to drink as much as you want, but you have a personal responsibility not to drink and drive or you will be fined or worse kill yourself or others. The same applies to wearing your seat belt, owning a firearm or now getting or not getting vaccinated.

Note that many of the things that you are free to do also come with an equal level of personal responsibility. Since I am a mortgage broker, you can if you so wish decide that you no longer want to make your mortgage payments. That’s your right to do so. However remember that comes with a lot of responsibility so if you decide to no longer make the payments you are responsible to make, the bank will simply foreclose on your property.

It’s a double edged sword, and as long as you are responsible you will be fine. You have to balance freedom with your personal responsibility to your community and your country as a whole. Yes you can say what ever you want but if what you say is hateful, racist or degrading you will be held accountable. As long as you are aware of the balance and can toe the line and respect the rules we will all get along just fine.

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 Valentines Day

If you are lucky enough to have someone special in your life or even if you are between special someone’s, I just want to wish you a very Happy Valentines Day.

“All you need is love, but a little chocolate now and then doesn’t hurt”. Charles M Schultz

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

Meh Football

Yes I now there is a big football game on today, the truth of the matter is that I just don’t care. I like many people could care less about the sport, but if you’re like me and could care less about the so called big game, here are few things to occupy your time while your spouse, significant other, friends and family occupy themselves with the sporting event.

  1. Read a good book
  2. Take your dog for a walk
  3. Play a board game with your kids
  4. Do an intense workout
  5. Talk with an old friend
  6. Make a gourmet meal
  7. Watch a good movie
  8. Do my taxes
  9. Watch “Housewives” with my wife
  10. Preform my own dentistry

These are all things I prefer to do than watching football. However to each our own, and as long as you enjoy it then I hope it’s a good game.

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

A leopard and it’s spots

Just like a leopard can’t change it’s spots, if your friend cheats at golf he will most likely cheat at cards, lie to his wife and cheat on his taxes. So while they might be great fun at a party they are definitely not someone that you want to go into business with or lend money. People who lie and cheat will do so when ever the opportunity presents itself, so if you have seem them lie or cheat before don’t say that you have not been warned.

To protect yourself against any possible wrong doing, get it in writing. They may yell and scream when their errant ways have been discovered but if you have evidence in writing you will be fine.

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