Tag Archive for: Vancouver Mortgage Broker

Expectations

There is a common expression that says that we rise or fall to the level of our training. I believe the same is also true in regards to our expectations. Your expectations effect your outcomes in so many things. If you expect to do well on your test you are more likely to relax and preform well while doing your test. The same also applies to the flip side of things, if you expect to do poorly you will most likely do poorly.

While I am not saying that expectation alone will get you to your objective, it is a wonderful starting point. Expectation that you will succeed allows you to believe in yourself, and thus you preform better and increase your odds of success. So stop expecting that you will be out of shape, poor and unloved and start working on yourself to expect the exact opposite.

In regards to your real estate aspirations, start with expecting that you will improve your credit, that you will save your down payment and that you will find the perfect home. See it, feel it and expect it and you will have it sooner than you can imagine.

“Our environment, the world in which we live and work, is a mirror of our attitudes and expectations.” Earl Nightingale

Today I am thankful for the tranquility of freshly fallen snow, neighbourhood deer coming to visit and teenagers who sleep in so work can be accomplished.

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


A change of heart

I recently had a client decide to go with someone else after we started working together. That honestly stings in a 100% commission based business. However on the other side of the coin, I am also feeling relieved as I only want to work with people who 100% want to work with me.

If I sense that you are looking for me to convince you about me, my products or services, then we are probably not a good fit. Like other commission based services there is plenty of other players if we are not a fit. Similar to the fact that there are plenty of realtors, financial planners and insurance agents. Find someone that you are comfortable with so it can be a pleasant experience for everyone involved.

Today I am thankful for a surprise strawberry banana smoothie that was just offered to me, conversations with neighbours during my morning walk and the banks being closed feels like a mini vacation.

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

Anniversary

Today as we celebrate our 24th wedding anniversary, I am pausing to think about some important milestones. Anything worth achieving will take commitment on our part. If it’s easy then at the end of the day it won’t be worth it.

If you are a homeowner, it was definitely worth it saving up your down payment. Specially after the last year and a half where home prices have skyrocketed. If you are able to put one foot in front of the other and run 5K without stopping then all your training has been worth it. That runner’s high you will experience when you are done will be the icing on the cake. Lastly if like us you have made it almost a quarter century with your partner, then that deserves an award of some kind. An anniversary like that shows that it takes communication, teamwork and love. Congrats to my wife for putting up with me.

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

Boxing Day

Boxing day or also know as my favourite day of the year. Here in Nova Scotia the stores and the banks are still closed so it’s a day to relax after the craziness of Christmas day. My favourite day to crack open a good book or do a Harry Potter marathon with the kids. What every you are doing today I hope that you are having fun.

Also Happy Kwanzaa to those who are celebrating 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, Ontario(M18001555) & in British Columbia(BCFSA #504098).

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

It’s not too late

It may be Christmas eve but it is still not too late to get that perfect gift for that special someone. It’s not too late to brighten someone’s day by reaching out and connecting. It’s not too late to spread some holiday cheer near and far ( preferably far as we are still in a pandemic). Remember sometimes the best present is your presence.

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

Setting Records

We are setting records all across the country lately. However these seem to be more of the unfortunate records than the ones we can be proud of accomplishing. Records are being set daily now for the amount of Covid-19 cases we are seeing. Records levels of hospitalizations and record levels of restrictions.

Towards real estate the business that I am personally associated with on a daily basis, there are records here as well. We have record levels of home prices, up over 25.3% year over year. We also set a record for the amount of transactions across the country at 630,634 which is an increase of 14.158% versus the previous record year, and this did not include Dec of 2021. All of this while we experience record low levels of listings available for new buyers, which further pushes up the prices.

So now instead of focusing on the records which are not going to serve us, we should focus on setting some personal records of our own. Set a record of focusing on your family during the holidays by putting aside your electronic devices. Focus on getting along and love and compassion as we can all use more of that. Lastly focus on becoming the best version of yourself for now and into the future.

Today I am thankful for a refreshing walk with my dog earlier today, for my friend in Montreal who is celebrating his birthday today and for my gift wrapping helper who made it much more enjoyable.

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

Winter Solstice

Today officially marks the winter solstice. Which means that winter starts for us in the northern hemisphere at 11:58 am AST. This is also the shortest day of the year with less than 9 hours of daylight. So things can only get brighter from now on till summer. So grab your sweater, put another log on the fire and cuddle up and enjoy our winter.

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

Special sauce

We are now in the midst of that time of year when we are focused on giving our loved ones the perfect gift. However sometimes that perfect gift can not be bought. Take time time and show them just how much you appreciate them. Doing this may require more time on your part but it’s guaranteed to bring a smile on their face and yours as well.

Appreciation really is that special sauce to any relationship. Whether this is a personal or professional relationship it really does not matter. Some have even gone so far as to say that people will sometimes do more for honest and sincere appreciation than they will do for monetary rewards. Headhunters know this first hand when trying to lure people away from positions where they are highly valued and appreciated.

I am writing about this today as a past client who has also become a good friend messaged me to say how much they have appreciated my help and support while they were going through a challenging time. The thing is I was and always will treat people how I want to be treated, end of story. If that elicits thanks then I am flattered but I just want to show people that I do care, that’s it.

Today I am thankful for the recent snowfall as it is now starting to look a lot like Christmas, If you are now singing the song after reading that then your welcome as I am too, for my client now friend for telling me that i’ve helped them.

“As we express our gratitude, we must never forget that the highest appreciation is not to utter words, but to live by them”. John F. Kennedy

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


No Way Home

First off I have to admit that I am a huge geek or nerd or whatever you call us who love sci-fi and superhero movies. I am extremely lucky as my wife also likes them as well. We went to see the new Spiderman No Way Home last night, yes fully masked and distanced. No spoilers here but just stay till they turn the lights on as there are two post credit scenes.

Now about the home part of my post. There was plenty of talk this week as OFSI ( office of the superintendent of financial institutions) was meeting to discuss any changes to the mortgage qualifying rate, which is currently at 5.25%. Luckily for the future homebuyers there was no change to the qualifying rate today, so it is staying at 5.25%. So any changes to this rate would really effect affordability for future homebuyers.

So although Spiderman came home then went far from home and now has no way home, there is in-fact still a way for you to own your own home. See what I did right there! With the qualifying rate staying the same, this means that there is no changes to affordability. So even though the real estate market is very hot and homes are selling as fast as they are listed, they are not going to try to cool it off by changing how much house you can afford. Covid may in-fact have other plans for the market but we shall see.

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

Oops I did it again

Have you ever said that you would do or not do something then in the craziness of your day forgotten and did the opposite? While doing our biweekly clean out of our house for garbage day, I mistakingly got ride of our deceased hamster’s cage. The poor fellow passed away a few weeks ago after only briefly becoming a part of our lives. My wife said get rid of the cage, so I took that to mean put it out with the garbage. My bad.

So in times when you make a mistake it’s best to fess up to it immediately, ask for forgiveness and move on with the rest of your life. None of us are perfect and it would be a lie to say that we are infallible. As long as we are learning from our past mistakes and the mistakes of others we will live a much better life.

If you think that you made a mistake by taking a variable rate in this uncertain high inflationary market, then just call the lender and switch over to a fixed product. It is not that difficult. Learn, adapt, get better and move on.

Today I am thankful for the fact that the other motorists slow down in morning rush hour when it’s snowing, the quiet that descends on the city when it snows and when my dog and a deer stopped moving this morning to stare at each other.

“Anyone who has never made a mistake has never tried anything new.” ― Albert Einstein

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