Tag Archive for: Vancouver Mortgage Broker

You never know

How many times in your life have you done something that you never knew that you could accomplish till you actually did it? Incase nobody has told you lately but you’re pretty amazing. You’re capable of so much more than you think that you can do. It has been said that people over estimate what they can do in a day ( in most cases) and yet vastly underestimate what they can accomplish in a year.

I was inspired to write this as in my 20 years as a broker I have never gotten a file broker complete ( which means all broker based finance conditions) in as little time as I did recently. I can’t entirely take credit for this as I now make sure I get as complete a file upon submission as possible so if anything is left over it can be quickly obtained. The clients were amazing as well which helps.

Also with the onset of Covid I switched all my fitness activities to stuff I could do at home and started running more. When a few friends posted that they has just run 1/2 marthaton’s ( 21.1K for us on the metric system) and since I had been running lots I though I would do one too. So the following day I did just that. While I don’t suggest you strap on your shoes and do that unless you have had lots of training under your belt, I am encouraging you to push your self.

What would you like to accomplish but haven’t tried in the past. I bet that you could read 25-30 books this year. I had never done that before and I set that as my goal last year and accomplished it. There is so much that you can most likely accomplish but you just have to start and do it.

Today I am thankful for amazing clients who make my work much easier, great call with family this morning and accomplishing things I never knew were possible until I did them.

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

Hard Fought Win

The easy win’s are nice but it is the hard fought win’s that really make you smile and truly appreciate all the hard work that you put into it to make it happen. You’ve stepped out of your comfort zone and you did it, now you know how hard you can push yourself and still come out on top.

“The battle of life is, in most cases, fought uphill: and to win it without a struggle were perhaps to win it without honour. If there were no difficulties there would be no success; if there were nothing to struggle for, there would be nothing to be achieved.” Samuel Smiles

Today I am thankful for the approval of a long hard fought file, teenagers who sleep late thus allowing me to get work done and the crispness of a cold early morning walk with my dog.

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

Referable

The goal of any service based business is to cross the tipping point of huge outlays of time and capital in marketing and instead receive the bulk of new business through referrals. In order to accomplish this you must treat each and every client like your one and only client and work to not only meet their expectation but to exceed them. This is my goal each and every day and I am also extremely grateful for my clients who have referred me to their friends and family as referrals are the lifeblood of my growing business.

Today I am thankful for the client who referred me to her friend even though we haven’t finished her own mortgage, for having cleats on my winter boots so it was still possible to walk the dog in today’s icy conditions and now being able to automate many of the repetitive tasks in my business thanks to Zoho Flow.

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

Private Sales

We are currently in the midst of an intense seller’s market. As a result some home owners are resorting to selling their homes privately in an attempt to avoid paying realtor’s fees. However if you are considering this, there are a few things you should know.

  1. Realtors may not show your home to their buyers. This is because the seller does not or will not pay the realtor a commission for bringing a buyer. To avoid this problem you should negotiate an agreement to pay them a fee.
  2. It’s less emotional if it’s arms length between two professionals. Dealing with the home owner can be challenging if they are not receiving what they believe the home is worth and hearing any and all negative feedback.
  3. Selling homes is what Realtor’s do as their full time jobs. You may not feel like showing your home at 10am on a Tuesday nor be available to do that, however this is what your Realtor is engaged to do for you.
  4. Even thought you can list your home on Facebook or Kijiji, it is not the same as listing it on MLS and thus having the power of all the local Realtors and their contacts to spread the word about your home.
  5. You don’t want to show your home to every Tom, Dick or Harry. A Realtor will help screen your potential buyers to make sure that they qualify to buy it. This is why a pre approval is vital.
  6. How are your negotiation skills? You may be fairly decent at sales but this is a whole different ball game and an experienced seller’s agent may have sold hundreds of homes in the past while this may only be your 3rd home.
  7. Do you know what makes some homes sell while others sit on the market. An experienced agent can help guide you through the process to you can avoid these pitfalls.
  8. Lastly but most importantly are the legal risks. How are you with contract law? What do you know about property disclosure? Did you know that you have a fundamental duty to disclose any fact that may effect the value of your property. Unless your a real estate lawyer it is probably best to have a Realtor help you with this.

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

Start Strong

Start strong and fishing stronger.

Plan your week before you start, so you get off on the right foot.

Schedule your workouts in advance, so you know what you’re doing.

Pay yourself first before you spend any money.

Listen before you speak, so you can understand.

Position yourself with the best chance of succeeding and getting off to a strong start is the best way to do that.

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 Spark

Appreciation is the spark that gets things going and in most cases keeps things going. It has been said that people will do more appreciation that they will for monetary gain. This is why people volunteer and why they stay with companies when other companies are offering to pay them more.

Also that one simple act of appreciaton could very well turn someone’s day and or life around. So even if you are pretty good about yourself and you don’t need the extra push, then think about giving some appreciation to others. Doing so will guarantee to improve their day and as a side effect make you feel that much better.

Today I am thankful for the appreciation I received from my calls yesterday, seeing my daughter help my son with his math homework with out fighting and a beautiful day for a morning run.

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

Plant seeds

Plant seeds instead of landmines. As you go through your day and your life are you planting seeds of greater benefit or landmines of your future destruction? We have all heard the story of the guy who tells off another guy about a parking spot then goes into a building only to find out the person they told off is who they have their interview with.

Be cognizant of how you react and treat others as it could come back to you in surprising ways. What you give out, you eventually get back. If day after day in rush hour traffic you are encountered with a-holes, there is a strong chance that the a-hole is you.

I was the recipient of a positive example this week. In Oct of 2005 I flew to Los Angles to attend a sales training with Ari Galper the creator of Unlock the game. A great sales expert who I had been working with for a few years. While there I made life long connections with 5 other seminar members. The kind of connection where you instantly click. It was that way with John, Skip, Frank, Eric and Jerry.

While we have not seen each other in a long time, we still have a great connection. So when Ari was looking for people to work with Jerry recommended me. Even though we had not really spoken in 17 years. When we did connect this week on Zoom it was like I had talked to him yesterday.

So the point is to plant seeds of gratitude, love, compassion & understanding throughout your day. So as you go on living your life, you will be surprised how and when they come back to you.

Today I am thankful for conversations with old friends, kindness given 17 years ago coming back and new opportunities as a result connections made years ago.

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

High Tech

There have been a lot of changes to the brokering business in the 20 years since I have been doing it. When I started in 2002 all client meetings were done in person, all applications were done on paper, all documents were collected on paper and faxed to respective lenders and client data bases were all on Excel.

When I think to what we have available today, most if not all the changes have been done over the past 2 years since the pandemic started. Meetings are conducted over zoom or similar virtual meeting programs, applications are taken via secure online portal, documents are securely uploaded, and all client data is saved in a cloud based CRM. While digital signing programs have been available for a while now, banks suddenly came on board when we could not meet our clients face to face.

While some may miss the face to face aspect, I find it has improved productivity exponentially. Prior to this I would have to drive all over the place to meet clients taking up valuable time that could be better spent processing the applications and getting files funded. A full day involved possibly 4-5 meetings tops given the drive time, now I can have double that and still have time to focus on getting the files funded and closed.

So it’s still a people business but now more than ever reliant on high tech products to make us more effective and productive. If anything this has been the silver lining to the pandemic that allowed the transition to more effective ways of doing business.

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

Cost of quality

Sure it’s nice to find a deal on something you have been shopping for, but make no mistake there is no substitute for quality. An inexpensive item may do the trick for the short term, but an item of quality will last.

Two examples, I purchases a pair of Echo shoes when my wife and I were in San Francisco in 2003. These were not inexpensive but they were comfortable for lots of walking. By 2010 they had worn down to the point that there was a hole in the sole of of one of them. I heard about their lifetime warranty so I reached out them and they replaced them and am still wearing them today.

Secondly, last fall I was in need of a new set of winter tires as the last set had reached the end of their usefulness. I called around a few places and was tempted to go with a set of no name tires to save the money but decided in the end to trust my gut and get another set of Michelin’s at Costco. I am so happy that I did as my wife hit a pothole last night and blew a hole in the side of the tire. Quick call to Michelin and they provided road side assistance and then to Costco today and they replaced the tire free of charge.

So yes it sometimes does cost a bit more for quality but it more than pays for itself in the long run. This also applies when you are shopping around for your mortgage. There is so much more to consider than just the lowest rate, you want the best advise to go with it and that comes from dealing with a broker with years of experience.

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

Off Track

It’s so easy to get off track. You start by missing a workout and suddenly you haven’t been to the gym in a week. The same applies to your diet, your work, your relationships and your finances. Stay consistent with the little things and you will continue to make progress.

Make that course correction to get yourself back on track and going where you want to go. Jerry Seinfeld said that his secret to success was writing jokes every day and never missing a day. So it’s not how much you do today that counts it the fact that you stay consistent and do something every day that brings you so much closer to your end goal.

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