Tag Archive for: Mortgage solutions

Rock Stars

I freely admit that there are Rock Stars in my life and they are the people who go out of their way to help other people. My wife is a Rock Star for how she consistently puts our family first and well before her wants or needs. The Rock Stars in my business are my referral partners. I have spent a lot of time recently cultivating and growing my referral network. I am so happy and grateful for those who have thought of having me help their clients over the multitude of other financing options available in our marketplace.

How can you be a Rock Star today? What can you do to help someone personally or professionally? Can you offer to pick up the groceries for a neighbour who lives alone and has not been getting out due to the pandemic. Can you order take out from that local restaurant that is struggling due closure of indoor dining. Or better yet can you volunteer at one of the Covid-19 rapid testing sites. What may be a small price to pay for you could be a big impact for the recipients of your generosity.

Today I am thankful for all my great “Rock Star” referral partners, my “Rock Star” underwriters who are so overwhelmed this year and yet they continue to do an awesome job and the leadership and humility of my “Rock Star” friend Dustan Woodhouse from whom I have learned so much this year.

“Life is an exciting business, and most exciting when it is lived for others.” Helen Keller

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

Liar, Liar

What’s the age old expression, liar liar pants on fire. Let’s face it as humans we have all told a white lie from time to time. From did you do this to who ate the last cookie. I am not suggesting that you lie, exactly the opposite I am going to show you the consequences if you do. I am going to cover three areas and how lying can effect you and those around you.

People lie to impress a potential mate or flat out lie to someone that they are in a committed relationship with. The end results of either situation are the same whereby you lose their trust and now are no longer in a relationship with them.

People lie to gain employment. They lie about past experience on their resume, hoping that nobody will notice and that if they get their foot in the door they can prove their worth and it will all work out. Companies protect themselves by screening applicants and if hired placing them on probationary periods so they can prove that they are good fit for the role and culture.

People lie to get a loan or a mortgage. In this instance it’s called fraud. People try to create their own job letters, alter their bank statements or tax forms. All this in an effort to get a loan that they would otherwise not qualify for. This is why I underwrite each file prior to sending it to the lender. Lender’s also google applicants and call each and every employer to verify information that was provided.

“If you tell the truth, you don’t have to remember anything”. Mark Twain

Today I am thank for for my wife picking me up just after the lighting started flashing last night as I was out on a tree covered trail walking our dog, wonderful neighbours with great advice and having several “Rock Star” referral sources they know who they are. Rock on!

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

Quickly & Emphatically

Dale Carnegie said it best when trying to win people over to your way of thinking, if you are wrong, admit it quickly and emphatically. Let’s face it we are only human and we do make mistakes from time to time. Here is an example to illustrate that fact.

I run on the rails to trails system which starts near Old Ashburn Golf course and continues down past Hubbards and to Lunenburg. I am on the trail almost every day, from walks with my dog to long bike rides on the weekend. Today I was doing a 5K run on the trail and came up upon someone smoking which normally one does not run into very often. To make matters worse I yelled out at them for smoking as I ran past. Exercise is how I control my asthma, but poor judgement on my part is not how you win friends and influence people. So on my run back down the trail I stopped when I saw them and apologized emphatically. Thankfully this person was much wiser than me and accepted my apology.

Own your mistakes quickly and apologize sincerely and emphatically when you commit them. Nobody is infallible. Making mistakes proves we are human, learning from them is how we grow.

Today I am thankful for the kind stranger who forgave my error in judgement, my wife’s birthday yesterday which met all her expectations and a change in format in a zoom call yesterday which allowed me to lean so much from others in my field.

“Never ruin an apology with an excuse.” Benjamin Franklin

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

Last minute

Who else oddly gets inspired at the last minute? You see today is my wife’s birthday and even though I had already purchased her a few things online I was compelled and inspired to get a little extra something just as the store’s ( the one’s that are allowed in lockdown) opened. You see she is the person who always without exception goes the extra mile for those she cares about, from baking cakes for co-workers to going all out for the special day’s for her family. That’s why I couldn’t just let it go with what I had ordered online mostly at her request. A little surprise is much better than none at all.

Today I am thankful for being able to pamper the one who takes care of the rest of us 364 days a year, online shopping being easy as it is and beautiful flowers that make our whole house smell like spring.

“A birthday is just another day where you go to work and people give you love. Age is just a state of mind, and you are as old as you think you are”. Abhishek Bachchan

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

Superpowers

With Mother’s day going by recently it had me thinking of my Mom. Even-though she has been gone since Sept 2005, she was a force to be reckoned with and me and my two brothers have lots of fond memories of her. Also since I am a bit of a geek I am going to call some of her strengths superpowers.

Of all the potential superpowers to have she had the best ones in that she had unconditional love and unwavering forgiveness for her boys. While we were not perfect she made us feel better and helped make us better people. I miss being able to call he and tell her what was on my mind without being judged and just listen. Mom’s are great like that.

Who do you love unconditionally, and if you don’t have someone then you must start with yourself. Once you are able to do that everything changes, you no longer function for praise or the opinions of others.

Now as for forgiveness the opposite is easy to recognize as it is holding grudges. Because we are human and nobody is perfect we will make mistakes from time to time. Those who have done us wrong whether intentional or not will not pay it any heed after the event has passed. It honestly serves us no purpose to keep rehashing it and carrying the burden for an untold period of time. It is much more freeing to practice forgiveness and just let it go.

“There is no love without forgiveness, and there is no forgiveness without love.” –Bryant H. McGill

Today I am thankful for my daughter’s homemade cookies, a long run in the sunshine this morning and wonderful conversations because curiosity and friendly people allowed me to ask a new question.

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 power of routines

Whether you call them routines, habits or schedule they are all the same. What you do consistently day in and day out has power. These actions taken every day have the power to move you quickly toward you goals. Those who are successful have morning routines. I have been getting up the same time for so long I don’t really need an alarm as I am awake anyway.

I am of the frame of mind that great routines are freeing rather than constraining you. If you meditate every day first thing in the morning then the chances are that you get out of bed with purpose knowing what you will be doing. The same can be said for your daily exercise routine and your daily work routines. Making the important things consistent and automatic make them that much easier to accomplish.

You want to run 5K, then make running part of your routine. Want to exponentially improve your sales, then make prospecting and follow up part of your daily routine. If it is important enough to you, then you will be able to find the time to fit it into your routine.

Today I am thankful for my 60 min power zone rides on Peloton on Saturday mornings, having one of my kids who also loves running and my dog who loves going out for his walks as much as I do.

“Your Future is Found in Your Daily Routine. Successful People Do Daily What Others Do Occasionally”. Paula White

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

Going through the motions

Some days it feel like you’re just going through the motions and not making any discernible progress. I just mentioned this to my brother JP and his response was perfect. He said somedays it feels like your going through a muddy road and the next day it feels like pavement, the trick it to just keep moving.

So if you feel like you are spinning your wheels one day, take solace that as long as you don’t quit progress will come. Not every book you read will give you that ah-ha moment. Not every push up makes you stronger. Not every call will lead to a sale. Not every file will close. The trick is to continue to putting in the effort and the cumulative effect of all those books, all those push-ups, calls and files will lead to immense progress.

Today I am thankful for an opportunity to teach my son how to deadlift for his virtual gym class, Friday calls with my family and a beautiful sunny morning to do a workout in my driveway.

“Even if you’re on the right track, you will get run over if you just sit there”. Will Rogers

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

Hurry Up, and Wait!

The mortgage business like many others is filled with moments of hurry up and wait. Hurry up I need you to take my mortgage application, but have to wait to receive the supporting documents in order to submit it for approval. Hurry up and get me approved, but have to wait for the underwriter to review the file and approve it. Hurry up and get all the conditions met so I can advise my realtor, but have to wait for the fulfilment specialist to review all the documents.

As much as we and clients want things done yesterday, things take time. I find that the process proceeds much more smoothly when expectations are set in advance and advised what the timelines are for various stages. This is also why I request a full document package up front and upon submission so this minimizes any potential surprises and allows for a much smoother transaction.

Today I am thankful for receiving my 1st shot of the Pfizer-BioNTech vaccine, actually having access to a vaccine at all to fight this pandemic and being up before all the jackhammers started going this morning.

“Sure enough even the waiting will end…if you can just wait long enough.” William Faulkner

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 In You To Give

So for the 27th time in the past four years I gave blood. I haven’t always donated, I wanted to but couldn’t get up the nerve until our Crossfit box organized a blood drive and it is hard to chicken out amongst a group of friends. Now I wish I had started years earlier.

In 2015 I was sick with what turned out to be a lacerated ulcer. Unaware that I was bleeding internally I had to be rushed to the hospital by ambulance as I was so weak that I couldn’t walk. After they repaired the hole in my stomach I was then given 4 units of blood to make up for what I had lost. Since my blood type is O- which is classified as universal donor, which means that my blood type can be given to anyone who needs it, I consider it now my responsibility to give back as the supply was there for me when I needed it.

We all have it in us to give the gift of life. It takes no more than 45 minutes out of your day from start to finish. Your simple act of giving blood could help an accident victim survive an emergency surgery, a cancer patient with a necessary life saving transfusion or a newborn survive in NICU. The best reason of all is makes you feel awesome to give of yourself with no exception of getting anything in return.

Sadly not everyone qualifies to donate. Please click here to take the quiz to find out if you are eligible to donate, where you too can feel like a superhero knowing that you have done your part to help save a life or two.

Today I am thankful for the great people at Canadian Blood Services, the blood supply was there when I had needed it and the feeling that I have made a difference in someone’s life today.

“Service to others is the rent you pay for your room here on earth.” — Muhammad Ali

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

Happiness

Yes Happiness! What does happiness mean to you? I know that we are in the midst of a challenging time however we can’t let outside events dictate our current emotional state. Don’t look for external stimuli to decide whether you are happy, sad, frustrated or angry. The one thing that you truly have control over is what you think. Decide now to just be happy, it’s not as difficult as you may imagine.

We all live in the perfect moment of now. The past is gone and the future hasn’t happened yet. Wouldn’t it be a lot better if you were happy, cheerful or ecstatic. This is what I was saying to myself as I ran yesterday, uphill and facing a headwind. It turned into a pretty good run after all.

Don’t wait to be happy till your mortgage is approved, when all conditions are met or even when you take possession of your dream home. Just decide to do it now. The life you create is based upon the decisions that you make, now is the time to make better decisions as we only get one shot at this.

Today I am thankful a great virtual meeting that I had almost forgotten about, a Peloton class with Jessica King who always makes me smile and teaching my son to lift this morning.

“Men are disturbed not by the things that happen, but by their option of the things that happen”. Epictetus

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