Tag Archive for: mortgage professional

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

Newton’s First Law

Sir Isaac Netwon’s first law of motion roughly states that an object in motion will stay in motion and an object at rest will remain at rest. One example of how this may apply to you is that during the week from the moment you get up you are go go go till your head hits the pillow at the end of your day. Once you get going it’s hard to stop. It’s also true from the other side, as the weekends have a different vibe and pace to them if rise without direction and spend countless hours surfing the web or streaming crap on Netflix you will find that you have suddenly wasted the day away doing nothing.

Get up each day with purpose and direction. Once you are up and moving the rest of your day will go much better. A little down time is good for the body and soul but too much is an extreme waste of time. So the best advise is to start moving within your first hour of getting up and the rest of your day will be so much better.

I was wondering why I was feeling so blah today when I realized that I didn’t go for my 10K run due to the crapy weather. After taking the dog for a walk and got the body moving I feel so much better. So starting late is better than not starting at all. This also applies to saving for your down payment on your new home, getting back in shape or growing your business. Take the first steps and then make the commitment to keep going until you archive your result.

Today I am thankful for having a dog when I really didn’t want to get up and get out of the house, active recovery days are so much better than total rest days and now that the wind had died down I will get that run in after all.

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

Can’t do it alone

Everyone is familiar with the African proverb that “it takes a village to raise a child.” What this means is that we can’t do it alone. Nobody who has ever achieved a high level of success in life can truly say that they have done it all on their own. It takes a village or a team in most cases to achieve success. For example high performance athletes have nutritionists, physiotherapists, massage therapists, coaches and personal trainers to help them achieve success and stay at the highest level of their game.

The mentality of all for one and one for all is selfish. Personal rights and freedoms should never come at the expense of the safety and wellbeing of the population in general. I am not telling you that you can’t go out and have a few drinks and enjoy yourself with your friends, but if you get behind the wheel and drive home then you putting everyone else in danger.

Protesting in-front of hospitals and harassing or chief public health officer is disgusting and selfish and nobody feels sorry for you. We used to care about our neighbours even if we never really knew them. What happened? To solve a crisis means that we have to come together and work as one group not as a group of selfish individuals. I want to be better, but I can’t do it without you.

Today I am thankful for a long 80K bike ride with great friends, well timed pit stops and a happy dog greeting me when I got home.

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

Be Relentless

Life is tough and not fair from time to time, but in order to succeed you need to be relentless.

Be relentless on prospecting

Be relentless on follow-up

Be relentless on caring

Be relentless on loving

Be relentless on saving

Be relentless on training

You get the point, there is no free rides. Those who succeed did not get there over night, they did it though hard work and determination.

“We will be relentless in our pursuit for perfection. We won’t ever be perfect, but in the process we will achieve greatness.” Vince Lombardi

Today I am thankful for an exhausting sweaty workout in my garage early this morning, referral partners who think of me to take care of their clients and that Friday feeling.

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

Rate change

Last night I received notification from several of my lenders that they were reducing their 5 year fixed rate. Depending on the lender reductions were anywhere from 10 to 40 basis points. Remember one hundred basis points = 1%. However you know what did not change? The variable rates did not change. This is because the variable rates are based on the bank of Canada prime lending rate and the fixed rates are based on bond yields.

If you are renewing your mortgage or buying a new home, I always ask my clients if this will be your forever home. If the answer is yes then there is nothing wrong with the fixed rates. However most 5 year mortgages are broken around the 38 month mark of the 60 month term. If you are on a fixed rate this will possibly trigger a large interest rate differential penalty.

Since the Bank of Canada meets only 8 times a year to discuss monetary policy and the last time they increased the prime lending rate was Oct 30th of 2018, I am putting my own mortgage on variable this time. This along with the fact that if I needed to break it at any time the penalty will be only 3 months interest. The choice is yours to make, as your trusted advisor I supply you with the information you require to make the best decision.

Today I am thankful for the kindness of strangers at Costco this morning, my dog seeing his favourite other dog on our morning walk and funny texts from my brother on his birthday.

“The world as we have created it is a process of our thinking. It cannot be changed without changing our thinking.” -Albert Einstein

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 the little things

It’s the little things that add up over time that make the real difference. Cutting out an hour of tv a day and replacing it will reading will allow you to grow and learn for the rest of your life. Getting up a half hour earlier and exercising will have dramatic effects on your health and well being. Sitting quiet and meditating for 10 mins a day will help calm your mind and handle your day much better.

What small changes can you make to you day that will have profound effects over time? Things like taking the stairs, packing your own lunch, walking during your break, doing 20 pushups a day, saving $5 a day, being mindful, being kind and listening and asking better questions instead of talking.

Today I am thankful for the way that my dog looks up at me when we walk, seeing the deer two days in a row while we walked and so many nice people to talk with when I called them from volunteering last night.

“It’s the little details that are vital. Little things make big things happen.” John Wooden

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


Love that feeling

I wanted the start the day off on a positive note by reminding you about some great feelings.

Love that feeling you get after a great run.

Love that feeling you get when you embrace a loved one.

Love that feeling you get when a friendly voice calls to see how you are doing when you’re having a rough day.

Love that feeling you get when everyone is happy to see you when you get home.

Love that feeling you get the client’s offer finely sticks after several failed attempts.

Love that feeling you get doing cold calls and the recipient answers with my name and is happy to hear from me.

Today I am thankful for seeing a deer eating pears off a neighbour’s lawn early this morning, for my runner’s high after my run this morning and for my client’s accepted offer.

“Being deeply loved by someone gives you strength, while loving someone deeply gives you courage.” Lao Tzu

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