Tag Archive for: mortgage options

Higher Standard

If you want to achieve anything noteworthy in life then you must begin to hold yourself to a higher standard. Doing things as you have always done will only get you the same results or lack thereof. Don’t even think for one second that’s it is impossible due to external people or events in your life. Events and people happen to everyone, both good and bad. What you are ultimately responsible for is your attitude or reaction to those external events. Nobody can tell you how to respond but you.

Doctor’s, Lawyer’s, Accountant’s, Engineer’s & Business Owners also come from lower economic area’s as well as higher ones. You are only limited by your thinking and the actions that you take. So if you want to achieve great things, then focus all your thoughts and actions on moving in that direction. Anything that doesn’t serve you in helping you achieve that goal, then cut it out.

Get up early, put in the effort, read the books, go to the classes, do the homework, make the calls. Whatever it takes to move you in the direction of your goals.

“Keep your eyes on the stars, and your feet on the ground”. Theodore Roosevelt

Today I am thankful for the fact that our reno’s will be complete today, the daughter I worried about the most is throughly enjoying her university experience and great conversations with my referral network.

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 Brokerage (2021-3000179) Broker (2021-3000180), Ontario(M18001555) & in British Columbia(BCFSA #504098).

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

My promise to you

My promise to you as your mortgage broker is that I will bring more value to you during your transaction than anyone else in the marketplace. I can say this as I have been in this business for 20 years and have assisted clients funding a wide range of transactions. Everything from AAA credit clients, Alternative lending, private mortgages and large commercial multi residential mortgages.

Sure other brokers or lenders may offer you a slightly lower rate ( but not always). However remember what is priceless in this process is getting the seasoned advice rather than someone who is just chasing a commission. The commission is the reward for a job well done, and my primary role is to secure the financing for you that suits your requirements. I work for you, not a large national brokerage house or any of the lenders. I believe in a fiduciary responsibility which means that I work only for your best interest.

If I am not helping you with your mortgage, then you are paying too much and not really being valued.

Today I am thankful for the amazing run I had this morning, the amazing people I get to work with who put their trust in me and the ability to look for solutions where others only see problems.

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 Brokerage (2021-3000179) Broker (2021-3000180), Ontario(M18001555) & in British Columbia(BCFSA #504098).

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

Worth it

This is your reminder that if your goals are big enough that they will not be easy to achieve but they certainly will be worth it. So don’t stop trying and working at it whenever you encounter a set back.

Today I am thankful that the repair work in my home is almost complete, that I never gave up when I received the first no from the insurance company and for a great run home after dropping off my truck to get serviced

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 Brokerage (2021-3000179) Broker (2021-3000180), Ontario(M18001555) & in British Columbia(BCFSA #504098).

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

Open House Day

Well today is Sunday and for those in the market for a house this is also known as Open House Day. If you haven’t already, please make sure that you are pre approved before you put in your first offer as it makes the process so much easier for everyone involved.

I’ve made an addition to my website this week that should help you when and if you need to run some numbers on the house you just saw. Just click on calculators on the top of this page and pick the one that’s appropriate for your situation, if you’re buying then it’s this one. There is a better version that will give you a native app on your phone, to get that just go down to the p.s.s.s section and click on the mortgage app and it will you allow you to download the incredible calculator for your phone.

Did you hear that there was an explosion at a fromagerie just outside of Québec city! There was de Brie everywhere. Read that again if you have to lol. 

Today I am thankful for the change in perspective that comes from a great conversation and a good book, a nice mid-day Sunday run and hearing that my girls are adapting well to university.

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 Brokerage (2021-3000179) Broker (2021-3000180), Ontario(M18001555) & in British Columbia(BCFSA #504098).

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

Healthy Obsession

Sometimes people associate the word obsession to negative behaviours or activities such as drinking, smoking, gambling or excessive shopping. However it’s possible to have healthy obsessions as well, such as personal improvement, physical fitness, career advancement, your education or success in your business.

Good healthy obsessions pull you forward towards your goals, while unhealthy ones hold you back. We have all come across those people who are driven by a higher goal or obsession and they seem to vibrate at a higher rate and just radiate energy. We all want to be around those with healthy obsessions as they will also aspire us bigger and greater things.

I was inspired to write this post as I am currently reading Grant Cardone’s book “Be obsessed or be average“. I made a commitment just over a year ago that my time away from work and family would be dedicated to reading instead of passively watching tv. So if you come across any books that you truly love then please let me know as I am always looking for my next great read.

Today I am thankful for the quote that my friend Shane shared with me that lead me to my current book, that our trip to take our girls to university in Ontario was uneventful and for our niece for coming over to help my wife wallpaper.

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 Brokerage (2021-3000179) Broker (2021-3000180), Ontario(M18001555) & in British Columbia(BCFSA #504098).

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

Insurmountable

There are many things in life that seem insurmountable when first encountered. However once you have had time to digest it, that once insurmountable task now becomes something quite achievable. This could be losing a lot of weight, getting accepted at a prestigious school, obtaining a promotion, getting your dream job, repairing a relationship or paying off a large amount of debt.

Whatever your large task is that’s in front of you, know that others have faced similar obstacles and have over come them in a short amount of time. You see that time is going to pass anyway so make the most of it and focus with laser like precision on achieving your objective. I faced what seemed like an insurmountable task last year and was able to overcome it so I know that anything is possible.

Today I am thankful for my Friday calls with family, for my neighbour getting me out for a run yesterday when I didn’t think that I could do it and for having a can do attitude for finding ways to get things done.

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 Brokerage (2021-3000179) Broker (2021-3000180), Ontario(M18001555) & in British Columbia(BCFSA #504098).

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

Change / rest

The quote ” A change is a good as a rest” does not apply when you are driving your kids half way across the country to go to university. We traveled through 4 provinces, 5 people + dog in the SUV who’s A/C decided it no longer wanted to work about an hour into our adventure. So the change in my daily activity over the past week was not as good as a rest. However we have safely delivered our girls to university and safely returned back to our home yesterday.

So when you need a break from your every day run of the mill life and you want to go a bit of an adventure, at least make sure that your A/C is working. Other than that it was excellent and got to see parts of our country and people that I have not seen in a long time. Even-though not posting since I left, business kept moving thanks to modern technology.

In regards to the mortgage side of things, the Bank of Canada increased the over night rate by .75% basis points yesterday. The move was to further keep inflation under control. When many economists were believing that this may have been the last increase, the language from the BOC yesterday may point to another rate increase during the next meeting in October.

Today I am thankful for a safe trip to Ontario and back, for the fact that I got to use my french in Quebec city & Montreal and my girls are adjusting well to university.

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 Brokerage (2021-3000179) Broker (2021-3000180), Ontario(M18001555) & in British Columbia(BCFSA #504098).

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

The Next Chapter

The next chapter of my girls lives starts very soon. They graduated high school in June and now are about to start their university life. Our house will certainly be a lot quieter with both of them away for school. However it is also an opportunity for them to grow and develop away from us so they can become independent.

Whether we realize it or not, we are often given opportunities to grow and develop and move away from our past. It could be a new job, new school, new relationship, new home or new town or country. It’s up to us to decide when the last chapter ends and the new one begins so make the most of it.

Today I am thankful for the opportunity to run and be pushed to run faster with my neighbour, I am excited about the next chapter in my girls lives and I am thankful that they have the skills to get them through whatever challenge they may face.

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 Brokerage (2021-3000179) Broker (2021-3000180), Ontario(M18001555) & in British Columbia(BCFSA #504098).

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

Upgraded

As the only thing constant in life is change, we all have to regularly make sure that our skills are upgraded to keep up with the pace of all the changes. I am sure that there are people out there who have not picked up a book since they left school but I don’t know about you but I sure as hell do not want that to be my doctor, accountant or my mechanic.

I have been a mortgage broker since 2002 and since then a lot has changed. We have had 40 amortizations, 100% financing and no doc’s stated income products that are all no longer available. We have stress tests to get a mortgage that were not here 5 years ago and may not be around next year if the rates keep climbing but in hind sight it is good that we have them given the changes of the past year.

The point is that things change and we all need to keep up with the changes. Make sure that the people who you go to for your personal services are keeping up to date with what’s happening today.

Today I am thankful for the elderly driver who was able to stop in time so he didn’t hit me this morning, an early morning outing with my daughter and having deer follow my dog and I on our walk 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 Brokerage (2021-3000179) Broker (2021-3000180), Ontario(M18001555) & in British Columbia(BCFSA #504098).

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

Mortgage credit insurance

When I get clients approved for their mortgage I send them out a digital signing package with all the documents that must be signed for both the lender and from a compliance standard for our industry. One of the documents that I include at the beginning of every package is the MPP mortgage protection plan, also called credit insurance.

Clients can choose to accept or waive the insurance. The main purpose of it is to protect the borrowers or their estate in the event that something where to happen to them while the mortgage was still in-force. Personally I know how it helped my family back in 2005. My Mom passed away from breast cancer in 2005, while my parents did not have a mortgage at the time then did have a secured line of credit and had the insurance on it as well. I just remember the peace of mind it gave my Dad knowing that he didn’t have to worry about making the payments.

This same peace of mind is what I want for all my clients. Some people have their own coverage with their financial advisor which is great. At the very least make sure that you have something in place so you don’t leave your family scrambling to cover your debts.

Today I am thankful for another beautiful Sunday morning to go for a run, a quite house to read after I got back and my wife for always coming up with new and creative meals for our family.

“Fun is like life insurance; the older you get, the more it costs”. Kin Hubbard

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 Brokerage (2021-3000179) Broker (2021-3000180), Ontario(M18001555) & in British Columbia(BCFSA #504098).

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