Tag Archive for: Vancouver Mortgage Broker

Garage Gym

One of the silver linings of the pandemic has been the growth of the workout at home movement. Prior to the pandemic I was an everyday 6am crossfit box person. Since then I have gradually built up my garage gym to include a few olympic bars, some bumper plates, a wall ball ( which bothers my kids when they are sleeping) some dumbbells and a spin bike.

While not everyone has a garage, there is still plenty of things you can do with a little bit of open space in your house. One of the first things I do every day when I get up is to stretch. To do this all you need is an area large enough to roll out a yoga mat. If you have a space large enough to put a yoga mat then you should be doing something every day.

Regular exercise helps clear your head. It reduces your stress and allows you to cope with everything that comes up in your day. This is in addition to the long list of health benefits. So crack open youtube or find a good fitness app and do at least 20 mintues of movement every day and your body and mind will thank you.

Here is a link to the bodyweight calisthenics program I follow for my stretching. If you are a little bit more adventurous here is a link to crossfit workouts that you can do at home. Remember if you have not worked out in a long time, to first consult your family doctor to make sure you have clearance for physical activity.

“You are only one workout away from a good mood”.

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

Sour Grapes

What is that age old expression, “You will attract more bee’s with honey than you will with sour grapes”. This basically means that people will want to be around you more when you are in a good mood and happy than when you are in a bad mood and complaining. Let’s face it unpleasant things happen in our lives from time to time, so by focusing on solutions instead of problems allows us to actually get through them without driving everyone around us crazy.

Yes we are in a period of high inflation and yes the housing market is extremely hot and and fact overheated in certain sectors. However since you can not control the events around you but only your response to them, it’s best to focus on what you can control. If your fist 5 offers to purchase were unsuccessful, then look back at those offers and see where you came up short. There are plenty of clients who require financing that are winning bidders. Learn from your past offers and keep moving forward.

“People won’t have time for you if you are always angry or complaining”. Stephen Hawking

Today I am thankful for the weather that cooperated today that allowed me to do my first run in 2 weeks, slippery conditions but I remained upright and the cheer that makes everyone much more pleasant this time of the year.

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


Just like that

Just like that your life will be perfect when you have this one thing. It won’t matter if you are young or old, rich or poor, black or white, gay or straight, once you have gratitude for all that you have your life will be exponentially better.

Be thankful for another day above ground.

Be thankful for the air in your lungs.

Be thankful for your five senses.

Be thankful for the roof over your head

Be thankful for your education.

Be thankful for your family

Be thankful for your health

Be thankful for the challenges that you have overcome that have made you into the person you are today.

Be thankful for that you get to try again if you fell short yesterday.

Life is so much better when you focus on what you have going for you instead of what you lack. Now just like that your mood has shifted from shortcomings to abundance.

“If you count all your assets, you always show a profit.” Robert Quillen

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

Wait five minutes

That old maritime expression is if you don’t like the weather here then just wait five minutes as it is libel to change. We had a foot of snow on Thursday and by Sunday morning it’s all gone. The one thing that is constant in our lives is change. If you are willing to wait then things are going to change. It’s how you adapt to those changes that really matter.

Take this current real estate market for example, it is still very much a seller’s market. However there have been moments this year where the buyers have had more success. When everyone went away on vacation in the summer, things settled down and properties were not as competitive. When the kids got back to school it went crazy again. Now with Christmas fast approaching some of those other buyers have taken a break so if you are still looking then now might be the perfect time to nab your next home.

So wait and adapt to the changes around you and you will more often than not come out on top. Those who are flexible in their approach and learn from the mistakes of others are the most successful. Now that your competition has taken a break, it may be the best time for you to put in an offer.

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

Crunch Time

With only 2 weeks to go till Christmas we are now in crunch time to get things done. So make your list, and check it twice so you can find out who has been naughty or nice, sorry I couldn’t resist. Seriously though, you are now most likely past the point where you can order online and expect to receive it in time for Christmas.

If the mall is now your only option plan your time there accordingly. Approach it with a plan rather than just to browse. Set a time limit and go in with your list. This will make your experience that much more enjoyable.

Actually this is the same way to approach most major tasks. You don’t start the process of buying your home without a pre approval or a plan. Get the first step covered that way everything else is that much easier.

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

First Chair

First Chair or second fiddle, driver or passenger, employer or employee, variable or fixed. Former requires more work and or more risk while the second is much less stressful and but without the same rewards. We are not all cut from the same cloth and that’s perfectly fine. Whichever one you are most comfortable with is the right one for you.

In regards to the last option which is variable or fixed, my role is to give you the best information that will allow you to make the best decision. In the current market they are both great options, but if one causes you more stress than the other, then choose the one that allows you the sleep better at night.

Today I am thankful for my son helping me shovel the driveway yesterday, a great birthday celebration yesterday and all the wonderful people who took the time to send me wishes.

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

Snow Day

I don’t know about you but I still get excited like when I was a kid about having a snow day. In fact it was a day just like today that my Mom brought me into this world so many years ago today. Maybe that’s why I like the snow so much. Anyways stay safe out there and only hit the roads if you have no other choice. The best option is to just stay home, curl up with a good book and a large cup of hot chocolate.

If you have mortgage questions, I will be here ready and willing to help you. Well after I shovel out the driveway.

“Summer friends will melt away like summer snows, but winter friends are friends forever.” — George R.R. Martin

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

Preparation is the key

Preparation whether it is for a big sporting event, a pending storm or a major purchase like a house is key to the process going smoothly. For your sporting event you want to make sure that all your training has property prepared you to execute on the big day. On the topic of the storm, if it’s a snow storm like we are expecting tomorrow, then you want to make sure that your snow blower is tuned up and ready to go.

As for preparing for the purchase of your home. You want to make sure that all your financial documents are ready for your pre approval. Then you have engaged a realtor to help you with the search. For your offer, since you require financing do NOT waive the financing clause just because you are pre approved. Once your offer gets accepted we need to supply the bank with all the supporting documents and then wait for them to sign off on everything.

Being prepared makes these major events much less stressful. So do all the prep work required and just enjoy your self on the race day, relax to tunes while snowblowing and celebrate with some bubbly when you move into your new home.

“Give me six hours to chop down a tree and I will spend the first four sharpening the axe.” Abraham Lincoln

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

Mistakes Happen

Mistakes happen, so it’s best not to let them ruin your day, week, month or year. Find the lesson that is inherently in it and move on with your life. The faster you do this the better you will be. Remember that there are no failures there are only successes and learning experiences.

When I think back to the major challenges that I was faced with this year and how much pressure I put on myself because of them and now in hindsight especially that they all worked out. So worry less, and enjoy each movement much more.

Today I am thankful for being a sound sleeper during a stormy night, my morning stretching routine to help me stay limber and for all the lessons I’ve learned along this road of life.

“We don’t make mistakes just happy little accidents”. Bob Ross

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

Comfort Zone

Your comfort zone is that place were you feel safe, like nothing will ever hurt you. However if you never push to grow and expand your comfort zone it can also be a prison. It’s so easy to get use to doing what you have always done, but you will get what you have always gotten. There are no raises, promotions or sales awards for those who strive to stay in their comfort zone.

Your true growth and in fact your real life lies just outside your current comfort zone. You haven’t always stuck in that comfort zone, as a child you were always trying new things. Learning to crawl then to walk was a push past your comfort zone. The same as riding a bike for a first time and learning to swim. Then in school you learned to read and write.

However now that you are an adult, what changed. Why are you not pushing yourself to learn and do new things. Just because you failed at something the first time does not make you a failure. Learn from your previous mistakes and start again and again if you have to till you get it right.

Years ago when people would put in an offer to purchase a property there was a good chance that they would get it. Now with the current low inventory of homes on the market buyers are having to place offer after offer in order to become the winning bidder. The same thing applies here, learn what didn’t work the first time and seek to correct it with each additional offer.

“The comfort zone is the great enemy to creativity; moving beyond it necessitates intuition, which in turn configures new perspectives and conquers fears.” Dan Stevens

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