Tag Archive for: mortgage professional

Happy New Year

As we turn the page to a new year, remember to take a few minutes to be thankful for what you have learned and accomplished in 2021. I wish that 2022 will be your best year yet. Filled with lots of love, health and wealth. Take the slower pace of the holiday weekend to focus on what you want to accomplish in the next year and work on your plan for making it happen.

“Be at war with your vices, at peace with your neighbours, and let every new year find you a better man.” Benjamin Franklin

All the best in 2022.

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

Resolutions

Since it is New Year’s Eve it’s time to create or set your resolutions for the coming year. That is for those of you that do this once a year. What would you like to see better or different in your life next year? How hard are you willing to work to make it happen. Remember that for every positive change that you would like to see happen a corresponding negative habit must be let go. As you can’t set a goal to read 30 books a year if you are still watching 3 hours a tv a night.

The most common New Year’s resolutions are to workout more, lose weight and make more money. If these are on your list, then the best approach is to start small and improve it over time. For example start with 10 min online yoga or pilates class and work up to 45 min classes. As for your healthy eating, one meal at a time is the best approach. Consider trying the Noom app as it will help with the mindset around heathy eating.

Lastly and most importantly to many people is making more money. Do you need to change careers? Work smarter or more hours? Start a side hustle or your own business. Whatever it is just get started and do something. The then trick it to stay consistent, do a little bit every day and never never never give up. A study in 2018 found that only 4% of people stuck to their goals that they have set. Be one of those people.

“Hope smiles from the threshold of the year to come, whispering ‘it will be happier’…” Alfred Lord Tennyson

Today I am thankful for my Friday calls with my family, my daily french lessons on Duolingo and a quiet evening at home with the kids.

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

Forgiveness

We all make mistakes and part of growing is learning from them. However it is hard to forgive someone who has done you wrong. No matter how long ago the infraction occurred it is always tough to do. That’s the exact reason you should do it anyway. They may no longer think of it while you still carry it around. Forgiving them releases you from that burden and it is one of the best things you can do.

While they may not technically deserve to be forgiven, you definitely need to remove the burden and do it anyway. It does not erase what happened but it does allow you to move on with your life. Mistakes help us learn and forgiveness allows us to move on and enjoy life to the fullest.

 “A man who views the world the same at 50 as he did at 20 has wasted 30 years of his life.” – Muhammad Ali

Today I am thankful for a great lunch with a friend yesterday, the deer just chilling in our back yard yesterday and clients who have accepted my proposal to help them with their project.

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

Expectations

There is a common expression that says that we rise or fall to the level of our training. I believe the same is also true in regards to our expectations. Your expectations effect your outcomes in so many things. If you expect to do well on your test you are more likely to relax and preform well while doing your test. The same also applies to the flip side of things, if you expect to do poorly you will most likely do poorly.

While I am not saying that expectation alone will get you to your objective, it is a wonderful starting point. Expectation that you will succeed allows you to believe in yourself, and thus you preform better and increase your odds of success. So stop expecting that you will be out of shape, poor and unloved and start working on yourself to expect the exact opposite.

In regards to your real estate aspirations, start with expecting that you will improve your credit, that you will save your down payment and that you will find the perfect home. See it, feel it and expect it and you will have it sooner than you can imagine.

“Our environment, the world in which we live and work, is a mirror of our attitudes and expectations.” Earl Nightingale

Today I am thankful for the tranquility of freshly fallen snow, neighbourhood deer coming to visit and teenagers who sleep in so work can be accomplished.

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 change of heart

I recently had a client decide to go with someone else after we started working together. That honestly stings in a 100% commission based business. However on the other side of the coin, I am also feeling relieved as I only want to work with people who 100% want to work with me.

If I sense that you are looking for me to convince you about me, my products or services, then we are probably not a good fit. Like other commission based services there is plenty of other players if we are not a fit. Similar to the fact that there are plenty of realtors, financial planners and insurance agents. Find someone that you are comfortable with so it can be a pleasant experience for everyone involved.

Today I am thankful for a surprise strawberry banana smoothie that was just offered to me, conversations with neighbours during my morning walk and the banks being closed feels like a mini vacation.

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

Anniversary

Today as we celebrate our 24th wedding anniversary, I am pausing to think about some important milestones. Anything worth achieving will take commitment on our part. If it’s easy then at the end of the day it won’t be worth it.

If you are a homeowner, it was definitely worth it saving up your down payment. Specially after the last year and a half where home prices have skyrocketed. If you are able to put one foot in front of the other and run 5K without stopping then all your training has been worth it. That runner’s high you will experience when you are done will be the icing on the cake. Lastly if like us you have made it almost a quarter century with your partner, then that deserves an award of some kind. An anniversary like that shows that it takes communication, teamwork and love. Congrats to my wife for putting up with 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

Boxing Day

Boxing day or also know as my favourite day of the year. Here in Nova Scotia the stores and the banks are still closed so it’s a day to relax after the craziness of Christmas day. My favourite day to crack open a good book or do a Harry Potter marathon with the kids. What every you are doing today I hope that you are having fun.

Also Happy Kwanzaa to those who are celebrating 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, Ontario(M18001555) & in British Columbia(BCFSA #504098).

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

It’s not too late

It may be Christmas eve but it is still not too late to get that perfect gift for that special someone. It’s not too late to brighten someone’s day by reaching out and connecting. It’s not too late to spread some holiday cheer near and far ( preferably far as we are still in a pandemic). Remember sometimes the best present is your presence.

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

Setting Records

We are setting records all across the country lately. However these seem to be more of the unfortunate records than the ones we can be proud of accomplishing. Records are being set daily now for the amount of Covid-19 cases we are seeing. Records levels of hospitalizations and record levels of restrictions.

Towards real estate the business that I am personally associated with on a daily basis, there are records here as well. We have record levels of home prices, up over 25.3% year over year. We also set a record for the amount of transactions across the country at 630,634 which is an increase of 14.158% versus the previous record year, and this did not include Dec of 2021. All of this while we experience record low levels of listings available for new buyers, which further pushes up the prices.

So now instead of focusing on the records which are not going to serve us, we should focus on setting some personal records of our own. Set a record of focusing on your family during the holidays by putting aside your electronic devices. Focus on getting along and love and compassion as we can all use more of that. Lastly focus on becoming the best version of yourself for now and into the future.

Today I am thankful for a refreshing walk with my dog earlier today, for my friend in Montreal who is celebrating his birthday today and for my gift wrapping helper who made it much more enjoyable.

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

Winter Solstice

Today officially marks the winter solstice. Which means that winter starts for us in the northern hemisphere at 11:58 am AST. This is also the shortest day of the year with less than 9 hours of daylight. So things can only get brighter from now on till summer. So grab your sweater, put another log on the fire and cuddle up and enjoy our winter.

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