Tag Archive for: mortgage professional

How many times?

How many times are you willing to keep trying until you have achieved your desired result. The limit for most people is 3 or 4 times. I just listened to an interview that Tim Ferriss did with Sir James Dyson on his podcast and he failed 5,126 times with his vacuum prototype before achieving his desired result.

We don’t give up when teaching our children to walk or talk. Yet we give up so easily when it comes to ourselves. People give up trying to manage their money, they give up on relationships, they give up trying to get fit or loose weight and they give up on trying to live a better life.

Latley I am running onto people giving up when it comes to buying a home in this hot real estate market. In my almost 20 years of doing this I have never seen so many properties going for well above list price. However there are those people who persist and end up succeeding after sometimes 10,20 or 30 offers. The inventory is not static so what is listed today will be replaced by new properties next week. So please keep trying and you will get there.

Today I am thankful for the ability and the patience to keep persisting until I have succeeded, realizing that there is joy in the journey and not just the destination and having the flexibility and the knowledge and pay attention to what’s working and what isn’t. Be persistant.

“Nothing in this world can take the place of persistence. Talent will not; nothing is more common than unsuccessful men with talent. Genius will not; unrewarded genius is almost a proverb. Education will not; the world is full of educated derelicts. Persistence and determination alone are omnipotent. The slogan Press On! has solved and always will solve the problems of the human race.”
― Calvin Coolidge

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

Trusted Advisor

To me it hasn’t seemed that long ago when if you had car trouble someone always had a guy who could fix it at his place. It didn’t matter if it was as simple as brakes or a complicated as major motor work, it was all possible in someone’s back yard. Now vehicles are so complicated it is in your best interest to trust the repairs to the experts at the dealerships or major garage networks.

The same can be said for your taxes. If you were self employed like I am you kept all your receipts in various shoe boxes and worked through them at the end of the year in the hopes that everything made sense. Now it is best to seek the expert advice of a competent tax specialist or accountant. Also no more shoe boxes, everything is tracked with state of the art online accounting software and filed electronically.

Also some times you think that you know the right thing to do but in hindsight you didn’t. Dealing with a trusted advisor or expert is in your long term best interest, whether it be for your car repair, taxes, financial planning or yes even your mortgage. There is more to consider when deciding on your mortgage than just the interest rate. You need to consider term, fixed or variable, amortization, pre payment privileges, post closing support or portability.

“From my experience, the best advisors help in three ways: encourage you to look at the problem or opportunity from multiple angles; help you balance the tug of the short-term with important long-term priorities; and ask the tough questions you need to know to reach the best solution.” Margo Georgiadis

Today I am thankful for the advice of experts for challenges that came up recently, for how much better I feel knowing I have competent people to help me and for the change of pace the weekend brings.

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


Knowing but not doing

If you are like most, you know a lot about a lot. However are you practicing what you preach? Knowing is one thing and doing it is something else entirely. This is where the rubber meets to road and where you actually start to make progress.

Sure we all know we should read more and watch less tv but are you doing it? The same goes for exercising and eating better, we know we should be doing it and most of us know even what to do but are you doing it? Watching inspirational videos and reading books is the easy part, the true change is found by taking action.

If you are one of many still renting but dreaming of owning some day then it’s time to start doing something about it. Start by saving for your down payment and improving your credit if necessary. As the best time to start any new project is always now. Don’t wait to start on the next Monday or your next pay day start now. Look at all your expenses see what’s necessary and what isn’t and start to do something about it now.

Today I am thankful for the humidity of yesterday leavings us with cooler but sunny weather, writing about my challenges allows me to discover new solutions and for a Canadian in the final of the US Open tennis tournament this year.

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

Refocus!

And ask better questions. Do this if you find yourself experiencing less than optimal results. Focusing on why things are the way they are if they are not what you want will not help you.

If you are struggling financially, you don’t ask yourself why am I broke. Instead ask yourself how can I learn to save and manage my money better.

If you are overweight, you don’t ask yourself why am I fat and out of shape. Instead ask yourself what activities did I used to enjoy that I am not doing now and how can I make time for them.

If you are over 40 and still renting, you don’t ask yourself how you got there. Instead ask yourself what can you do to change this and save for a down payment for your own place.

The mind will focus on and answer the questions that you are asking it on a continual basis. Start every day by asking better questions and sooner or later you will notice your results starting to change.

Today I am thankful for walking up to find out that our Canadian superstar tennis phenom Leylah Fernandez has made the women’s tennis final at the US open, the relaxed change a state I get from asking better questions and that it’s Friday.

If you dislike the answers you’re getting from life, try asking better questions. — Steve Pavlina

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

Under new management

We have often see these signs plastered in the windows of long established business and restaurants. They are meant to indicate that they have improved in many ways over the previous proprietor of the establishment.

The same applies to us as people. Are you happy with how the manger between your ears has been running things. Are you getting the results what you want for the work that you have put in? If not it’s time to fire them and start to implement new ways of thinking so you can generate better results.

Stop thinking of things or events as either good or bad. They are just events in your life period. If they went well or not find out why so you can either replicate them or do better next time. Life is not so much what happens to you but how you react to it. The most successful often had to overcome the most challenges.

Today I am thankful for a much earlier start to my day, a change of perspective from a new book and clients who have offers accepted.

“Rethink Success: Most people will never achieve past their existing levels, because they don’t understand the importance of changing their Mindset” — Tony Dovale

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

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 that you have a higher chance of your rent increasing to unaffordable levels than the mortgage rates doubling. Also the average mortgage payment is lower than the average rent in most major cities across the country. Why do you want to continue making your land lord rich and not yourself?

Today I am thankful for getting files approved after others have declined them, that all three of my kids are happily back in school and that the days are still warm but the nights are much cooler.

“The two most important days in your life are the day you are born and the day you find out why.” – Mark Twain

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

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 with the kids, the Nova Scotia weather that mostly cooperated and that they got out of the door without any issues today.

“Learn as much as you can when you are young, since life becomes too busy later.” Dana Stewart Scott

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

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 in Nova Scotia, Ontario(M18001555) & in British Columbia(BCFSA #504098).

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

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) & in British Columbia(BCFSA #504098).

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

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 pandemic was difficult, video calls and telephone calls are the next best thing. We long for interpersonal connections and while email is good to get your point across it pales in comparison to calling or seeing someone to make that true connection.

Today I am thankful for the bright sunshine and cooler weather that comes in September, more options to previous frustrating challenges and our annual family get together that happens today.

“Progress always involves risk, you can’t steal second base and keep your foot on first base.” Frederick Wilcox

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