Tag Archive for: mortgage professional

Things you can still do during lockdown

As we enter our 3rd Covid-19 Lockdown here in Nova Scotia, no it’s not what we wanted but there is still lots for you to do while on lockdown.

You can still go for a walk, a run or even a bike ride. I just got back from a 50 ride on the rails to trails path and it was wonderful and there were plenty of people who had the same idea, however in groups of 5 or less.

You can read a new book. Check out goodreads for a few idea’s.

Even though you can’t travel, there is no better time than now to learn another language. Check out Dulingo and take a few lessons. It’s great.

Just because you can’t personally visit friends and family doesn’t mean that you can’t connect with them. There are plenty of video apps to use from FaceTime, Skype, Zoom or what I have now been using Zoho Meeting.

With in restaurant eating closed, you could also use this time to learn how to cook. Last year the grocery stores ran out of flower and yeast with all the people making bread at home. If you feel adventurous you may want to try your hand at sourdough bread. There are also plenty of how to video’s on Youtube.

I never said that this was going to be a top 10 list, so here is the last one for today. With the warmer weather arriving, one of the best things to do is gardening. Nothing improves the curb appeal of your home as much as a nicely manicured garden. Even though it’s still too early to plan annuals, it’s the perfect time to prepare your beds, aerate your lawn or cut back and trim out last years shrubs.

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).

Condition free offer’s

In a normal world real estate purchase and sale agreements come with conditions. Typically there are conditions for a property inspection, window coverings, air conditioning or heating equipment and of course financing. However since 2021 real estate market is unlike any other year, many people are writing condition free offer just to improve their changes of becoming the winning bidder.

However as I wrote about back on March 11, this may not be the best idea for most people. There are exceptions to this when your net worth far exceeds the amount of your new purchase. However other than that I would not advise it as there are too many potential landmines.

So when clients and or Realtors ask if they can submit a condition free ofter, my answer is the same if they asked to play blindfolded in traffic. I can’t make that call for you, nor will I be held responsible if you place a condition free offer. Just because you are pre approved does not mean that the lender will in fact like the property that you have picked out. While I can’t prevent you from going condition free, all I can do is help you get your financing secured as quickly as possible.

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).

Blah

Sometimes for whatever reason you just feel blah. It could be that you’ve not gotten enough sleep or that you have realized that you have worked the last 21 days straight with out taking a break. It happens to the best of us, and today just happens to be one of those days. Like everything in life, this too shall pass.

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).

Consistency

Some people say the key to success is massive action. While I think that massive action is definitely a contributing factor, I would rather think that the overwhelming attribute is consistency.

Just because you did a crossfit class this week on Tuesday does not make you fit. The same goes if you became inspired by a weekend seminar and bolted out of the gate on Monday and polished off 75 cold calls to prospective clients. You are no further ahead in both cases if you’re either too sore or too tired to do anything the following day.

It’s best if you start small, make it a daily ritual or pattern then work on adding to it with more intensity and focus as time goes on. You won’t get fit by working out intently once or burning yourself out with massive action over a short period of time. It’s more sustainable to do it consistently by starting small and repeating it every day until you achieve the target that you were aiming at. Crawl first, then walk then run. Master each step by doing it consistently and you will hit your goal in no time flat.

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).

Time Flies

How does the expression go, “Time Flies when you’re having fun”. But you know what, it also flies when you are hard at work. Plan your day and work your plan and it will go much better. Start each day with an objective and it will also make it more fun and challenging at the same time.

The past is gone and the future hasn’t happened yet so put all your attention on your present moment and make the best of it.

Think of all the years passed by in which you said to yourself “I’ll do it tomorrow,” and how the gods have again and again granted you periods of grace of which you have not availed yourself. It is time to realize that you are a member of the Universe, that you are born of Nature itself, and to know that a limit has been set to your time. Use every moment wisely, to perceive your inner refulgence, or ’twill be gone and nevermore within your reach. Marcus Aurelius Roman Emperor 161-180 AD.

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).

Blessed

For today’s short post I just wanted to share with you one of my Mom’s favourite expressions. This is a very unique real estate market that we are experiencing. Properties are receiving multiple offer’s and pushing sales prices well over asking prices and my lenders are backlogged. What was normally a 4 hour turn around time has now become 4-7 days depending on the lender. Day’s off have become a thing of the past, it’s full speed ahead and time to make hay while the sun shines.

Too blessed to be stressed.

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).

Screentime

Each Sunday morning my iPhone gives me a report telling me how much time I’ve spent staring at my phone. Last Sunday it came up that I was spending on average 4 hours a day. Now that blew me away as I though that I being fairly productive with my time. Since then I have made a concerted effort not to waste time on my phone and to use it only when necessary. So when the report came up this morning saying that I’ve reduced my Screentime by 80% I was very pleased.

Weather you are rich or poor, young or old we all have only 86,400 seconds in a day. Once spent you will never get them back, so spend them wisely. Even though most people treat money as a finite resource, it really isn’t as you can always make more. Your only true finite resource in your life is time. Those on their deathbeds never wished they could of spent more time scrolling Facebook, Instagram or playing candy crush. They don’t even think they should of spent more time at the office. It is always that they wish that they could of spent more time with family and loved ones.

Let me help you re-finance your current home or help you finance your dream home so you can spend more quality time with those you love. Remember make some efforts to convert your screen time into quality time instead.

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).

Game of Patience

Today’s hot real estate market is not for the faint of heart. Not for buyer, Realtor’s or us Brokers. If anything it requires a game of patience. It is now almost commonplace for listings to receive multiple offers and end up selling for much higher than the listing price.

People who are pre approved at 500K have to start house hunting around the 375K mark if they hope to be the successful bidder on the property. Also if the broker or mortgage specialist was smart that would mean that they are pre approved at the maximum amount so putting in an offer at 515K is not going to be approved.

Once becoming the successful bidder now the real work begins for us brokers. Yes we do underwrite up front and our clients all have pre approvals before starting shopping but the lenders are all overwhelmed and back logged. What was a 4 hour turn around time on our files is now turning into 4-5 days.

So let’s all take a deep breath, say Namaste and practice some patience and know that we will get there soon.

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).

Tech Support

Just a quick shout out to all the hero’s working in tech support. While most of us are now working at home, tech support has been a life saver from time to time. Just got off the line with my expert to fix my VOIP business line. Upgraded my soft phone which runs on my laptop last night and it decided it didn’t want to work. Since I spend the majority of my day on the phone with clients, banks and referral sources, having no office line would make for a very unproductive day.

Just like Trevor was there to help me with my tech issues today, if you feel like you need “tech support” for your mortgage then please give me a call as I would love to help you now that my phone is working.

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).

Hard at work

Financing your dream home or refinancing your current home is important work. Let me work hard for you.

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).