Tag Archive for: Mortgage solutions

Seemless process

When you operate a sales business like a mortgage brokerage, a financial planner or a realtor it definitely helps to have a seamless process to help guide clients through it from start to finish. Having an efficient process will educate and inform the client as well as help alleviate any stresses involved in the transaction.

The past few years have heralded the announcement of quite a few tools to help with the mortgage business. New application tools that allow for a seamless application process. Digital signatures are now accepted by the lender ( the pandemic helped this happen). Also there are some excellent CRM ( customer relationship management) systems out there that automate every step of the process.

All of this allows for increased efficiency for the brokers and happier clients. Happier clients leads to more referrals in the future and possibly more repeat clients. It’s a win win for everyone.

Today I am thankful for the time I spent helping a fellow broker with their process, great high tech tools that make all this possible and the savings of time and stress that it brings to my workday.

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 (2021-3000179) Broker (2021-3000180), Ontario(M18001555) & in British Columbia(BCFSA #504098).

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

Drive it like you stole it

We far too often play it safe in matters of love, finance or recreation for that matter. I was recently reminded of this expression above while giving the keys to my company Facebook page over to a new administrator. We take more chances when it’s not our car, when the rope swing is over water or when you have been lucky in love recently.

Why play it safe as we only get one kick at this can called life. There are no do over’s. Life is either a daring adventure or it’s nothing at all as Helen Keller had said. So be daring and drive it like you stole it as there are no second chances.

Today I am thankful for the progress being made on a commercial file that has been in the works for a while, the cool start to the day after a hot one yesterday and the opportunity to take some bold chances going forward.

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 (2021-3000179) Broker (2021-3000180), Ontario(M18001555) & in British Columbia(BCFSA #504098).

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

I am melting

Today I know how Frosty the Snowman felt when he was stuck in the greenhouse. I am melting. Sadly this Canadian was built for the winter in -20c instead of +30c. However we are being told to expect most of the later instead of the former due to increased global warming.

So when it’s hot like this for several days in a row, you need to keep your cool both literally & figuratively. So here are few idea’s. Keep your blinds & curtains closed during the hottest time of the day. Limit your exercise to the early morning or the late evening when it’s cooler. Stay hydrated with lots of water rather than alcohol or caffeinated beverages.

Today I am thankful for an early morning run before it got too hot, another Sunday lunch date with my wife and lots and lots and lots of cold drinks on this beautiful 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 (2021-3000179) Broker (2021-3000180), Ontario(M18001555) & in British Columbia(BCFSA #504098).

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

When a plan comes together

Don’t you just love it when a plan comes together. In my house this is usually because my wife has planned it and I give her full credit but am happy just the same. I fully admit that I worry about things not working out when we travel and only tend to relax once the plane takes off or when we finely hit the road.

However in order for things to work out one must first plan ahead. This applies when you are traveling, trowing a party, getting married, getting in shape or buying a home. Trying to get everything done at the last minute is just as recipe for disaster. Give yourself time to achieve your goal and you will have a much greater chance of it actually happening.

In regards to financing your new home, it’s a good idea to give yourself at least 10 banking days to complete your financing. Even though I require all the documents up front the lenders are still quite busy and it takes time to review the accuracy of everything provided. Also the extra time allows the process to get completed with the lowest amount of stress for everyone involved.

Today I am thankful for a great early morning bike ride, meeting new people who share a passion for biking and having my 50K ride complete before the heat of the day really kicked in.

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 (2021-3000179) Broker (2021-3000180), Ontario(M18001555) & in British Columbia(BCFSA #504098).

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

Don’t Blink

Don’t blink or you might miss summer here in Nova Scotia. Other area’s may have hot spells that go on for days if not weeks. While we tend to have a hot day here and there with a foggy overcast day in-between. The common expression about the weather here in Nova Scotia is if you don’t like it, then wait 5 minutes and it will change.

The point I am trying to make is to enjoy the nice days when there are here as there will be no guarantee that they will continue. This is the same for everything in life. Try to appreciate and to be thankful for every moment in your life as you will never know when it will change.

Today I am thankful for a quick fix for what I thought was going to be an expensive problem for my truck, my cousin to giving me the name of a great pet service and the cool start to the day today after a muggy night.

* yes I am aware of the Dr Who reference to the picture as I enjoy the show as well.

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 (2021-3000179) Broker (2021-3000180), Ontario(M18001555) & in British Columbia(BCFSA #504098).

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

Hot Hot Heat

Well we have made it to the heat of the summer. I am writing this from the coolest spot on my property, my back deck as my home does not have air conditioning. So while most of the country, I mean the northern hemisphere is now suffering from the heat of the summer here are a few tips to dealing with the heat.

  • Drink plenty of fluids ( by this I mean water, not caffeinated drinks which will make it worse for you)
  • Limit your time outside during the hottest part of the day
  • If you still want to get your workout in, do it in the early morning or late evening
  • Wear light breathable fabrics and a hat with a wide brim if venturing out
  • Have all the watermelon you want or other hydrating foods like spinach, lettuce or celery.
  • Keep blinds or curtains drawn today to help prevent rooms from heating up
  • Lastly take a cold shower, it will lower your body temperature and is actually good for you.

Today I am thankful for the beautiful quiet and cool spot to work on my back deck, that I was able to get a much needed appointment at short notice and the sounds of the birds in the trees behind my house.

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 (2021-3000179) Broker (2021-3000180), Ontario(M18001555) & in British Columbia(BCFSA #504098).

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

Setting new records

New records are being set almost every day. Most recently with heat waves in Europe and in North America due to climate change ( yes it’s a real thing), and now today with Canada’s new CPI ( consumer price index) numbers. The CPI for the month of June here in Canada was at 8.1% up from 7.7% in May but still off the predicted high expected of 8.4%. Thankfully much lower than the American inflation rate of 9.1%.

We are at the highest level since January of 1983. Prices of almost everything are up from gas, groceries, housing and consumer staples. The one silver lining if there is one is that the CPI rate for June came in lower than expected for the 1st time in months. If this is the indication that we have hit our peak inflation rate then that would be a huge relief. Fingers crossed to see what the numbers look like for July this time next month.

Today I am thankful for clients who quickly sign and return their mortgage commitments, the sounds of the birds in the morning while reading on the back deck and another beautiful stage of the Tour de France 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 Brokerage (2021-3000179) Broker (2021-3000180), Ontario(M18001555) & in British Columbia(BCFSA #504098).

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

Ounce of prevention

An once of prevention is worth a pound of cure, or so as the old saying goes. As I was reading through the financial headlines this morning the one that jumped out at me said something like ” if you are reacting the market volatility after it’s happened then you’re too late”. So back to the point of the post is talk about preparation so the market volatility does’t effect you.

Here are a few thing to consider to help insulate your personal finances against any upcoming market volatility:

  • Reduce your reliance on unsecured debt
  • Maximize your mortgage pre payment privileges
  • Create an emergency reserve
  • Pay yourself first with every pay check ( put it in your emergency fund or investment before anything else)
  • Have a high interest savings account ( where you put your emergency fund) that you can’t access while shopping
  • Read up on budgeting programs like YNAB
  • If you are one of the unlucky few at an office then pack your lunch
  • Be proactive in your household maintenance as well as your vehicle maintenance

Today I am thankful for the long overdue day of rain, the cooler temperatures and the sound of rain through the tree’s.

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 (2021-3000179) Broker (2021-3000180), Ontario(M18001555) & in British Columbia(BCFSA #504098).

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

Recession Obsession

If you read any of the financial papers all the economists and writers are taking about a possible pending recession. Just like chicken little running around telling everyone that the sky was falling. If you are reading this you made it through the 2007 financial meltdown and the 2020 lock down, so there is a very good chance that you will make it through this as well.

However remember that there will be a silver lining as with every challenge there is always an under lining opportunity. So keep your eyes open and know that what ever happens you will get through this. Economies go in cycles so just know that this too will not last.

Today I am thankful for the downhill portion of my run today, classical music as the sound track to my morning and planning for my kids trip to university in the fall.

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 (2021-3000179) Broker (2021-3000180), Ontario(M18001555) & in British Columbia(BCFSA #504098).

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

Make Hay

As the old country expression goes “Make hay while the sun shines”. I take that to mean that when things are going well to keep doing what you were doing to get you there.

Far too often when people experience a taste of success they invariably take their foot off the gas and decide to coast. I think that you should be doing the exact opposite. If you got in shape watching what you eat and running 25K a week then keep doing that. The same if you are now experiencing some sales success, don’t stop the prospecting and following up.

Taking your foot off the gas will just result in a dip in your progress. 5 or 10 more pounds when you weren’t watching what you were doing. Your sales will also evaporate if you don’t keep up the work.

Make the great work a habit and keep doing it even when you are experiencing some success. Set new and higher goals and push your self to the next level.

Today I am thankful for all my kids working today so my wife and I could go for brunch, time spent gardening this morning and Sunday Open Championship golf.

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 (2021-3000179) Broker (2021-3000180), Ontario(M18001555) & in British Columbia(BCFSA #504098).

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