Tag Archive for: mortgage options

All your ducks in a row

When you leave for a vacation do you scramble around the morning of your departure cramming suitcases and trying to think if you have everything and then invariably arrive late to the airport and almost miss your flight. I am sure there are some of you that do that but I assure you that is not the best way to go.

If you want the smoothest experience as possible it’s always best to plan ahead. That is the same way that I approach getting your financing for your property in order. For most of us this is the single biggest financial transaction in our lives. Wouldn’t you rater that it be as stress free as it can be for all involved.

The way that we do this is to work with you and gather all the pertinent documents upfront and then thoroughly review them prior to submitting them to the prospective lender. Thus allowing for your financing to get approved as quickly as possible so then you can focus on the other important things in your life.

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

Cheers,

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).

Snow shovelling

Just a quick post to make sure that you are shoveling safe today .

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

Cheers,

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).

You vs You

Incase the title didn’t give it away, your only true competition is with yourself. Keeping up with the Jones next door is not what keeps me going nor should it be with you too. The only measurement that really matters is if you are doing more and better than you did yesterday.

A runner should only be concerned with how well they did today vs yesterday and did they make any improvements. My 1K pace may be different from yours and the true measure of performance would be to look at how well you are doing compared to yesterday, last week and last month. In crossfit we don’t compare our workout results to Matt Fraser or Rich Froning that would be totally unrealistic and defeat the purpose if you are actually making progress.

In regards to the mortgage business, there are possibly thousands of brokers and bank mortgage specialists across our great country all offering fairly similar rates. Some may be doing better or worse than I am doing, but at the end of the day my only goal is to do better than I did yesterday. I will do this by making sure your experience is second to none, and if it wasn’t to let me know how I can improve.

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

Pat

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).

Plan B!

Sometimes our best made plans go astray. Things don’t always turn out as you have planned so you need to be prepared with alternative solutions to help you reach your goals. Planned to go to Florida for vacation but could not get a flight, but still intend on going so look at other options to get you there. Gyms are closed due to covid but you still want to workout, take up running like so many more of us have done over the past year. Can’t go out to see a movie, consider picking up a great book.

This can also apply to the world of financing. You finely found your dream home but the big bank lender or AAA lender turned you down. There are still options to make your dream a reality. As long as you are open to other possibilities we can help you achieve your goals. No’s are not forever as long as you are open to other options.

I have some wonderful alternative lending options available for you to help you make your home ownership dreams come true. That no from the big bank might just be a no for right now, with a little work and help from one of my alternative sources we can get you where you want to go.

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

Pat

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).

Batman The Dark Knight Movie

I just got back from seeing the new Batman movie, and I’ve got to tell you it was good. It was not just good, it was scary good. Probably one of the best action movies that I have seen ever, and I have seen a lot of movies.

Anyway you may be wondering how does this apply to the mortgage industry? Well let me tell you, in the movie Batman does everything that he can to prevent the Joker ( Oscar performance by Heath Ledger) from continuing to terrorize Gotham City. The Sub prime lender’s, the central banks and the government over reacting by changing mortgage insurance policy has done nothing short but terrorize it’s citizen’s. Sure our options are narrowing, for the people with less than perfect credit, the one’s who are self employed and the one’s that want to buy commercial property. However you must realize that they have not cut off every means of escape, you don’t realize that we live in a vacuum. When one option disaperars another one must take it’s place. The options are there they are just not the same as the one’s we lost. Here are a few examples, we lose 40 year amortization’s and 100% financing, Wells Fargo still has them, Interbay pull’s it’s small commercial lending program’s, there are plenty of private lenders willing to fill the void.  

If you are feeling trapped like all your means of escape are cut off, and that you have run out of options,then it is time to take back control. Be the caped crusader in your own life by cutting the apron strings to the banks. If you owe them money then they are in control. It’s time to take it back and let us show you how to do it!

Cheers,
Pat