Tag Archive for: Mortgage solutions

Adaptability

Life comes at you fast, make sure that you are flexible and adaptable to meet the changes head on. For example just two short days ago it was 21 c and felt like 26. Today on the other hand it feels more like -2. We don’t know what will happen in our lives from one day to the next. The best way is to be prepared.

We have been hearing economists talking the last few months about a pending recession next year. Are you prepared for the down turn to the economy with the possibility of losing your employment? Do you have several months of expenses saved up in the event that the worse does happen.

Being fit is being prepared for what ever life throws at you physically. Having a close circle of friends and family will help you if you need emotional support. Living in Canada means always having access to your winter coat then two days later a spring jacket.

This is why it is vitally important to plan ahead financially. An emergency account is just one way, there are others like have adequate insurance long term financial planning in place for when you no longer want to continue working.

Today I am thankful for the down filled winter coat that I received for Christmas last year, that I have put in the time in maintaining my fitness and that my family has always been there when there have been stressful days.

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 Brokerage (2022-3000179) Broker (2022-3000180), Ontario(M18001555) & in British Columbia(BCFSA #504098).

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

Know you care

Mortgage brokering is a knowledge based business. It is also a fact that if you have been in the business long enough that there will be many like you who process the same level of knowledge. What will separate us at that point is demonstrating how well we care about those clients who come to us for help with their mortgage.

It’s not just in my field it will also apply to whatever product or service that you are selling. I remember when my wife and I were shopping for a new car a few years ago and we had gone to several different dealerships and looked at quite a few different models. While everyone one quoted us payments and features, there was only one sales person who cared enough to follow back up with us.

I was thinking about this today as I was recently referred a client who had been working with someone else who could not find the time to call them back. The sad thing about this is that we are in a 100% commission business, meaning that we only get compensated once a file has funded. So it’s in our own best interest to follow up and take care of our clients. This also applies to most of the main sales positions from insurance to automotive sales. So where product knowledge can be consistent across the board, by showing how much you care will allow you stand apart from the rest of the field.

Today I am thankful for referral sources who care enough to call me to help with their clients, electricians who come well before their scheduled appointment and people who call you back after you have left them a message.

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 Brokerage (2022-3000179) Broker (2022-3000180), Ontario(M18001555) & in British Columbia(BCFSA #504098).

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

A Sure Thing

People are always bouncing around from one thing to another trying to figure out what it will take to be successful. Looking for that one sure thing that will push them over the top. Well the thing is that it’s not the latest gadget or app or weekend course or book, it’s something that all high achievers share. It’s belief in their own abilities to get things done.

The one sure thing is to bet on yourself. Have overwhelming confidence in your own abilities to get things done and you will achieve far more than you could every imagine. Start small if you have to and think of all the things that you have overcome to get to where you are today. I bet there there are even things in the past year that you overcame to get to where you are today.

Recognize and celebrate all the little wins and they will stack up to monumental achievements in no time. I know someone who was struggling just 15 years ago and is now one of the tops in his field in the whole country. Just because you are not where you want to be today does not mean that you will not get there. Believe in yourself and then take the necessary actions to make it happen. It all starts with believe then action, not the other way around.

Today I am thankful for the extra hour of sleep I got over the weekend, beautiful fall weather that made cleaning up the yard a breeze and that Wrexham AFC won yesterday.

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 Brokerage (2022-3000179) Broker (2022-3000180), Ontario(M18001555) & in British Columbia(BCFSA #504098).

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

You have options

Sometimes people say that they don’t have options when presented with certain situations. However that is just an excuse for choosing the easy way out. The right path forward usually requires more work and the fact that you must push yourself outside your comfort zone. It’s so easy to blame others for your lot in life rather than taking personal responsibility and doing the work and making the changes that are necessary.

People are going to disappoint you, not every business venture or relationship will succeed, the sooner you realize this the happier you will be. You can either accept the cards you have received in life or do your best to change your situation. Either way is a choice on your behalf. The option to accept and do nothing or put in the work and make the changes.

Can’t afford a gym membership then make the decision to do youtube workouts, go for walks or run’s in your neighbourhood. Working pay cheque to pay cheque then look at all the budgeting app’s out there and learn to manage your money. Mad at yourself for taking a variable rate mortgage in this interest rate increasing environment, then switch or a fixed or increase your payments so you are paying more than just interest.

Today I am thankful for the great music on my 60 minute peloton ride this morning, a FaceTime call with my daughter today and having my son help me clean up the yard.

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 Brokerage (2022-3000179) Broker (2022-3000180), Ontario(M18001555) & in British Columbia(BCFSA #504098).

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

Language

I am not talking about you being a potty mouth but the actual language and words that you use to communicate. More precisely I want to reference to what the US Fed chair Jerome Powell said at their most recent meeting this week. While Canada and the US are two distinct countries, we are pretty much joined at the hip economically.

When the US Federal Reserve met this week they increased their overnight lending rate by 75 basis points vs the 50 basis points increase from the Bank of Canada recently. The important part is what the Fed Chair said as part of his announcement, he said ” There is significant uncertainty around that level of interest rates & we still have some ways to go, and incoming data since our last meeting suggests that the ultimate level of interest rates will be higher than previously expected”.

So while the inflation rate in both are countries is dropping, we are currently at 6.9% here in Canada vs the high of 8.1% back in June and the US is at 8.2% vs their high of 9.1%. These are both off the target rate of 2%. The next key measure will be when the US announces their inflation rate for the month of November next Thursday. A large decrease will take the press of any oversized rate increases and if it still remains stubbornly high then more drastic measure may be in order.

While I love the flexibility of the variable rate, it may soon be time to lock in for some stability to prevent any future rate increases. Give me a call and see if it is something that you should consider.

Today I am thankful for a very productive week and all the great people I got to meet face to face, receiving great reviews online from my clients and for my Dad who always made sure that we used proper grammar as he said that proper use of language is important to being understood.

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 Brokerage (2022-3000179) Broker (2022-3000180), Ontario(M18001555) & in British Columbia(BCFSA #504098).

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

Self Discipline

Nothing great was ever achieved without a great measure of self discipline.

  • Self Discipline is getting up early when everyone else sleeps in
  • Self Discipline is reading to improve yourself every night while everyone else watches tv
  • Self Discipline is going for a run even though you wanted to stay in bed
  • Self Discipline is saving your money while everyone else is putting trips and meals out on their credit cards
  • Self Discipline is calling people back as promised
  • Self Discipline is arriving early for your meetings
  • Self Discipline is being prepared instead of winging it
  • Self Discipline is what creates a life worth living

Today I am thankful for the self discipline that has allowed me to design a life worth living, a changing market which has allowed for more face to face meetings and being able to see all stars in the city when I walked my dog early this morning.

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 Brokerage (2022-3000179) Broker (2022-3000180), Ontario(M18001555) & in British Columbia(BCFSA #504098).

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

Numbers Game

It has been said for as long as anyone worked in sales that it was a numbers game. The more people you talked to the more prospects you had then the more client and more sales. While part of that is true, that if you want to be the top realtor, mortgage broker, life insurance, automotive or insert the sale profession here, then you must have more sales than the person next in line.

However I also believe that it’s about more than that. While yes your numbers are important, they are not the most important aspect of a great sales career. To me the most important aspect is that you must have an overwhelming desire to help people and believe strongly that your product or service can do that.

With this strong “Why” it will be so much easier to persist when you meet defeat or failure as you have a greater purpose. Believe it or not but people generally enjoy buying but detest being sold. Seeing that it is your duty to serve others will take the pressure off trying to make the sale and instead providing the information required so the clients buy as it fits their needs.

Today I am thankful for early morning activity to shake off any lingering anxiety, idea’s that come to me when I am most relaxed and getting referrals and rave reviews from my clients.

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 Brokerage (2022-3000179) Broker (2022-3000180), Ontario(M18001555) & in British Columbia(BCFSA #504098).

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

Easy goals vs hard goals

I have always loved the quote from Jerzy Gregorek ” Hard choices easy life, easy choices hard life.” I was thinking of this recently while talking with my daughter who struggling to adapt to university life. Everyone wants the million dollar bank account, the nice house on the hill, a cottage, luxury car or two and fancy vacations. However not everyone is willing to put in the work to make it happen.

If it were easy then everyone would be doctor’s, lawyers, accountants, business owners and make over 100K a year. However not everyone is willing and or able to persist through the struggle and the pain to make those goals happen. The same things applies to the goal of becoming fit. When you default to the easy things to do like watching tv or eating fast food then you will never make any progress toward becoming fitter.

Nobody ever said that life was easy, but with the right choices it will definitely be worth it. If what you are about to do will give you immediate short term benefit then it’s most likely the wrong thing to do. It takes work and effort to make the calls, do the presentations, write the reports, pre make your meals and do your training. Going out with your friends every week is easy but not the right thing to do if your goal is to save for a down payment on a house. Short term pain & discomfort and long term gain is the way to go.

Today I am thankful for a nice fast paced run this morning to start the day, the feeling of accomplishment that comes from doing the hard things and seeing the smiles on all the little kids faces as we gave them candy last night.

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 Brokerage (2022-3000179) Broker (2022-3000180), Ontario(M18001555) & in British Columbia(BCFSA #504098).

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

A Shining Light

Sometimes life is not always sunny days, rainbows and happy puppies. Sometimes it feels dark, gloomy and down right depressing. We have no idea what everyone else is going through or the battles they are fighting. However if we try, we can be the shining beacon of light in an otherwise dark and goodly world.

This does not mean that you have relentlessly positive which in some cases it downright annoying. Sometimes it is just being there to listen and show that you support them. Letting them know that they are not alone could be the difference maker in someone’s life. Be that ray of shining light and see how everything around you starts to change.

Today I am thankful for the jogger who yelled back at me when I shined the light in the otherwise dark path this morning, I said that “you need a light” and she yelled back “You’re my shining light”. That one comment just made my day.

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 Brokerage (2022-3000179) Broker (2022-3000180), Ontario(M18001555) & in British Columbia(BCFSA #504098).

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

Sow and Reep

Like there is a harvest in the fields from what you have sown in the spring, you also reep in life for the work that you put in a season ago. I am talking with so many people who are complaining about how slow business is for them, while others are still run off their feet with business.

You can’t expect to get fit and stay fit if you can’t get off the coach, do the workouts and eat right. You can’t be tops in sales if you haven’t made the calls and done the follow up. You can’t get the top marks if you haven’t studied and done all the assignments.

This applies to anything in life worth achieving. You get out of it what you put into it. So if you are not getting the results that you want, then look back at all the work that you are putting into it. Have you put in the work and given it every ounce of effort that you possibly could or are you looking for a short cut and instant gratification. There are no quick fixes, so put in the work and you will get the results.

Today I am thankful for my friend who texted me to get out for a bike ride today, the cool fresh air on the ride this morning was well worth it and for all the calls that I have done is paying off with happy clients.

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 Brokerage (2022-3000179) Broker (2022-3000180), Ontario(M18001555) & in British Columbia(BCFSA #504098).

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