Tag Archive for: mortgage options

Find the Joy

Find the joy in every situation and your life will be immeasurably better. I am not saying to put on your rose coloured glasses and act like Polly Anna, but to instead focus to good. Doing this will allow the challenging situations to become so much less stressful. As nobody gets through life without having to overcome a few obstacles.

I have encountered more than a few people who hate their jobs. Thing is I am not so sure that they would find the next one pleasant either. If you are always finding something to complain about there will always be something to complain about. If you think that the tasks that you have been assigned to do are menial then find something enjoyable about them or your job. Maybe you work with great people, it’s in a great location for your lunch time walks or that the pay is half decent. Find something and focus on that.

“Every adversity, every failure, and every heartache, carries with it the seed of an equivalent or greater benefit.” Napoleon Hill

Today I am thankful for the peace and quiet that comes after the kids leave for school, meeting new neighbourhood dogs on our regular walks and lunch invitations from friends.

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

Make it last

Make it last or it all falls apart. Let’s face it, unless we take care of something it won’t last. This applies to your money, your health, your relationships, your home and your car.

If you want your money to last you take care of it. The best thing I have discovered is a program called You Need A Budge or YNAB for short. This helps you take control of your money and finances so they don’t control you.

If you want good health then you have to take care of your body. Sure there are plenty of fit people in their 20’s, a few less in their 30’s and less still each decade you add. We do not live forever and we only come this way once so it’s best to take care of the one and only body that you have.

If you want your car or house to last then you need to take care of them. Sure people always want the new and shiny one but if there is nothing wrong with the one you have then if you take care of it, it will last. It is less expensive in the long run to perform regular scheduled maintenance than to have to replace your car or your home.

I am thankful for being in the best shape of my life in my 5th decade, for living in a home that was built almost 50 years ago but still feels new and for having learned how to make my money work for me.

“Quality is remembered long after the price is forgotten.”

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

Early Riser

Are you an early riser or a night owl? I have been an early riser for as long as I can remember. It seems that it is only now coming in vogue with the advent of Robin Sharma’s 5am club book. However I have to confess that I get up almost every day just before 5am without an alarm clock and don’t drink any coffee or tea.

I find that my days are much less rushed by getting up early. You control the pace of your day by starting it early with no distractions. Don’t look at getting up early as punishment of some kind but to allow you to plan out and set the pace for your day. Also don’t mistake getting up early for sacrificing on sleep, a solid 7-8 hours is still possible by going to bed at a good time.

By getting up early you have time to workout, meditate and read. All things that most people put off as they get caught up in the hectic nature of their days. The hours between 5-7 are times for you to work on you. Nobody is perfect and we are all a work in progress, and this is the best time of the day to do that.

Getting up early is essentially planning your day ahead of time. There is only so long you and take if you operate on putting out fires instead of planning your life. This also applies to your home. I hear from people all the time who are tired of renting. They need to plan ahead to be able to purchase a home. Start saving for your down payment now and YNAB is a great tool to help you do that. Also now is also a great time to start improving your credit as the best rates and terms are available for those who know how to manager their credit.

Today I am thankful for my early morning routine that has allowed me to meditate, read and work out all before the kids got up and needed a drive to school, for getting to know the names of all the puppies that we regularly see during our walks and a quick fix to my son’s hole in his pants.

“It is well to be up before daybreak, for such habits contribute to health, wealth, and wisdom.” – Aristotle

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

Perfect Timing

Perfect timing is when preparation meets opportunity. We have all had those seeming magical moments when the universe seems to align for us. For me it was when a co-worker asked me to switch shifts when I was working as a personal trainer in a local gym. That shift change allowed me to meet my wife many years ago.

Perfect timing for you could be that conversation that sparks the creativity to allow you to finish your project that you have been working on. It could be the pacer that allowed you to set a new PR at the local 10K race. Putting on your fall jacket for the 1st time this year and finding 10 bucks in the pocket just after you realized that you left your lunch money at home. It could also be that home that you have been dreaming about hitting the market just after you received your promotion and work and your mortgage pre approval.

Things happen for a reason. So keep focused on where you want to go and what you want to achieve as things have a way of working out as long as you keep your end goal in mind.

Today I am thankful for people who call me back and wonderful conversations that happen as a result, cutting out social media and the time I gain from it and the optimistic feel that this is going to be a wonderful week.

“The universe knows the perfect timing for all those things you want and will find, though the crack of least resistance, the best way to deliver it to you.” Esther Hicks

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

Fair Weather

Are you a fair weather person? Only willing and able to do a thing when it suits you or do you adopt the US Postal Service motto of “Neither snow nor rain nor heat nor the gloom of night stays these couriers from the swift completion of their appointed rounds”.

The commitment to be someone’s best friend does not come with conditions that you are only available from 9-5 and in good weather conditions. That’s why the 3am friend list may be the most important list to have.

Also your commitment to save money for your down payment should not be sidetracked by a sale at your favourite department store or the deep discounted trip to a sunny location. Only doing something because it is convenient to you it not much of a commitment. If you commit to running three times a week and one of your running days it is inclement then you know what you do? You run anyway. That’s what commitments are.

“Flee flattery, false praise and fair weather friends.” Fraser Young

Today I am thankful for the people who sponsored me yesterday for my upcoming ride for cancer, I am thankful for my daily exercise regime that keeps the daily stresses away and quiet weekend mornings with a great book.

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

Congruency

con·gru·ence| kənˈɡro͞oəns | noun.agreement or harmony; compatibility

When our thoughts, words and actions are aligned we are in sync and magic starts to happen in our lives. We have all seen the opposite when you come across people who really want to get in shape and work out like crazy but then on the flip side they eating fast food so the end up making zero progress. The same goes for those who really want to save money, they are hustling and working several jobs and trying to get ahead then blow it all on a shopping spree.

Say you want to be a homeowner soon, what do people who became successful homeowners do before they bought their home? They saved for a down payment, they improved their credit and they lived within their means. Focus as if you have already achieved your end result and act like those who have been successful and you will be there soon.

Today I am thankful for the recent right thoughts, words and actions recently which lead me to some great results, a deer who came to munch on our apples this morning and that today is finely the day to see the new Apple TV + sci-fi series Foundation.

“Integrity is congruence between what you know, what you profess and what you do.” Nathaniel Branden

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

Better not different

I am starting the post off with this great quote by the legendary Jim Rohn “Don’t wish it were easier, wish you were better. Don’t wish for less problems, wish for more skills. Don’t wish for less challenge wish for more wisdom.

The whole point is that everyone who has ever lived life has faced challenges, so don’t wish that your life were easier but use those challenges to make yourself better.

Be better but don’t wish that things were any different. Pressure makes diamonds, so be a diamond.

Today I am thankful for neighbours who wave at me while walking my dog past their place, challenges that have and continue to make me better and the lessons and resilience that challenges have taught me.

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

Reap what you sow

Now that Fall is officially here today (well it will be at 19:51 tonight) we start to talk about fall harvests. People are already posting to social media gardening groups about their tomato & pepper crops and soon there will lots of pumpkins and potatoes. However these multitude of harvests would not be possible without the seeding of the crops several months ago and constant tending to the plants all summer long.

The harvest that we are experiencing now is only possible by first sowing the seeds then putting in the work. This also applies to almost anything in life. Nothing ever worth it come fast an easy. The level of fitness that you have now is a result of the past few months of hard work that you have put in. The same applies if you are having a kick ass month in sales, you fist had to prospect then follow up and remain consistant to experience your results.

So if you want to improve your results then start putting in the work so the next harvest will be a bumper crop for you. If what you are working towards is really worth it then it will take time and effort to achieve it. Don’t let hard work stop you from getting what you want, as behind every so called over night success is 10+ years of hard work.

Today I am thankful for months of hard work finely starting to pay off, all the new puppies that we are meeting on our walks and calls from potential lenders at the perfect time to help with a file.

“You can’t instantly reap what you sow today, it does not work like instant grits, no matter what you sow in life it takes time to grow and be ready for harvest”
― James D Wilson

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

The Same But Different

As Canadians wake up this morning to same result of a different election. Things turned out almost exactly the same as the last time. However are things going to be any different. Are the leaders going to learn to work together. Only time will tell. Are we going to have more of the same or have we managed to send a message that we want them to work together.

While appearing the same on the surface some things are vastly different. I have twin daughters for example, pretty much what they have in common is that they share the same birthday but that would be about it. The same can also be said about many of the various mortgage products from all the different lenders. While rate may be similar from one lender to another you will also need to look at amortization, internal valuation or appraisal, locked in closed term or standard, pre payment privileges and portability.

That is where my role as your trusted mortgage advisor is to get past the sameness and show you the differences from product to product and lender to lender. We don’t all live in the same style of house and drive the same kind of car or work in the same job. We are all unique so your mortgage solution should fit your requirements to a T.

Today I am thankful that I live in a country where none of the major party leaders disputed the results of our recent federal election, that with cooperation everything is possible and while we may all appear to offer the same products and service when you look a little deeper you see our uniqueness, so find a fit that works for you.

“Don’t be afraid of being different. Be afraid of being the same as everyone else.” Unknown

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

Vote

As Canadian’s we are very fortunate. We live in a democratic country, we have free universal healthcare and our ability to vote has not been suppressed. The experience generally takes less than 20 minutes out of your day and I encourage everyone to do it. It does not matter if your opinions lean towards to right , the left or in the centre, please just exercise your right to vote. There are people all over the world and heck even those in the States that have a hard time casting their ballots. So just because it’s easy for us don’t mistake it for something that’s not important cause it is.

“If you’re between the ages of 18 and 25 and you want to care the hell out of the people that run this country, this time around do the unexpected. Take 20 minutes out of your day and do what young people all over the world are dying to do. Vote.” Rick Mercer

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