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Know why not how

Know why not how

Faced with a seemingly insurmountable task? The first step to achievement is having a clear picture of your end result. Next is knowing with absolute certainty why you want to achieve it. Knowing why must come before any and all how’s. With a powerful enough why anything is possible.

My younger brother had a heart attack last spring just as Covid was hitting us hard. Prior to this happening he was about 60 pounds overweight and didn’t know what to do improve his situation. An avid outdoorsman working out was never a priority for him. He always said that he would get to it later. After his health scare he suddenly knew why he had to improve his heath and the how’s just took care of themselves.

Are you renting and dreaming about owning your own home? Did you know … Read more

Back to School

Back to School

Well today is the day, summer vacation has officially ended and the kids are finely back to school. Today also marks the day when most people are back to work after taking time off over the summer. What this also means is that people will get back to their regular routines. The quiet real estate market of the dog days of summer will probably heat up again as everyone is back at it.

While inventories were tight all summer, demand took a breather in some segments of the market. I expect this all to change as more buyers are coming back. So if buying a home is in your plans, please contact me so I can get you pre approved so you can be more effective in your house hunting this fall.

Today I am thankful for a wonderful summer … Read more

Labour Day

Labour Day

Happy Labour Day ! Or in my house this year, happy last day of summer vacation cause it’s back to school tomorrow. When you have children today is like Christmas eve when the kids will finely go back to school.

Today I am thankful for a great summer vacation with my kids, for new adventures that we went on this summer and for how much they have grown and matured recently.

“No work is insignificant. All labor that uplifts humanity has dignity and importance and should be undertaken with painstaking excellence.” Martin Luther King Jr

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 … Read more

Day of Rest

Day of rest

To all those who have regular office jobs, Sunday’s are day’s of rest. To those of use who are self-employed in many cases it is like any other day. So if you are off enjoy it and if not then make the most of it.

Today I am thankful for being able to see my family for the first time in a year yesterday, my cousin Roger’s excellent BBQ skills and his excellent story telling ability.

“Today is the most beautiful day to being the rest of your life.” Debasish Mridha

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) … Read more

Touching Base

Touching Base

I have changed a lot the way I conduct my business this past year. I have a large database of past clients and referral sources. What I had done in the past is send out regular emails to let them know what what happening with the world of mortgage financing. However that only brought marginal results and people as a whole get way too much email anyway.

So instead of the impersonal email, I have resorted to calling people. Since March of this year when I started calling people on a consistent daily basis I have done over 2,000 calls. The results of which are outstanding. I have had lot and lots of great conversations and made a lot of great connections.

What could you do to make your communication more personal? Since seeing people face to face during a … Read more

Squeaky Wheel

Squeaky Wheel

The old expression that the “Squeaky Wheel” gets the grease, rings true when you want to get things accomplished. However make sure that you accompany that with “you will attract more bee’s with honey that you will be sour grapes.” Be persistent yet kind and calm in your approach and you will get what you are looking for done in a timely fashion. People will go out of their way to help those who are kind and good to them.

Today I am thankful for an early start to the day, my eldest who was trooper at the dentist for the 2nd day in a row and the rest that comes form a long weekend ahead.

“I hate to be a kicker, I always long for peace, but the wheel that does the squeaking, is the one that gets the … Read more

Time Flies

Time Flies

When your days are packed and you love what you do, time most certainly does fly by. So if this is you as well, don’t forget to make the most of every moment before they are gone. For those who are also working at home, take a min and check your calendar so you know what day of the week it is as they all sort of blend together.

“Your time is limited, so don’t waste it living someone else’s life.” Steve Jobs

Today I am thankful for being able to fit in a walk with the dog and a 5k run before the rains started, quiet time to read while my daughter was getting her teeth cleaned and the “ber” months which are my favourite.

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

Patrick… Read more

Request Declined

Request Declined

Sometimes it happens that your mortgage request has been declined. More often than not this is an opportunity to restructure the request and start again. See if any debts can be repaid, have you included all the assets and properly explained the sources of income and all your debts? Can you increase you down payment or have someone co-sign with you to strengthen the file. Or better yet does it qualify for an exception?

Don’t give up hope just because you ran into a brick wall with one lender as there are plenty of other lenders who may be able to assist you with your mortgage request. There are lenders for the self-employed, high net worth, less than perfect credit or if you have foreign assets or income. I have frequently found that persistence does pay off so don’t take … Read more

The Best Time

The best time

The best time to buy a house according to the old adage is always now. In this hot real estate market and thanks to rock bottom interest rates, you will be paying down principal much faster than you are paying in interest. For example if you bought a house for 550K with 30K down on a variable rate of 1.35% over 5 years, you would pay 33K in interest in the 1st 5 years while paying down your principal by over 94K.

The best time to invest according to legendary investor Warren Buffet is always now. It also helps to follow his investment advice of buying and holding for the long term. Trust me I am still kicking my self for selling my Apple stock in 2014.

The best time to start a business like the two previous statements is … Read more

Good Morning

Win your morning

When you win your morning you have a much better chance at winning you day. To do this I have two simple rules: 1) prepare ahead of time and 2) get up early.

Lay out your workout clothes and your work clothes the night before. Don’t leave anything to chance or that you think you will do it at the last minute cause you won’t. If you meal prep then Sunday is the best day to do this so you are prepared for the week and this is one less thing to think about.

Now getting up early is not as difficult as one may think. It starts by going to bed at a decent hour so you can get at least 7-8 hours of sleep. To do this properly it’s best to turn off all your electronic devices at … Read more