Blog

Thinking About Purchasing, Where To Start

Thinking About Purchasing, Where To Start

Are you or someone you know thinking about purchasing but don't know where to start? See below. I am here if you have questions. Call me. Qualifying today has never been more challenging. My initial questions would be, are you...
Financial Stress Tips

Financial Stress Tips

Let's start with a reminder. This is a judgment-free zone. Taking advantage of the financial options available to you does not make you a failure or a cheat. It makes you a person with resources. Financial stress can take a...
Payments

Payments

I like to think of myself as an expert, I've put in my 10,000 hours, I know mortgages, as I like to say, "I'm a one-trick pony."  I only know how to do mortgages. I'm in big trouble if something...
My Covid Life in Images

My Covid Life in Images

I came home from sunny Barbados on March 10th, quarantine was not in effect at this point but knowing shelter in place and travel quarantine was coming, I quickly prepared for our isolation at home. Klaus arrived home on March...
Bank of Canada Rate Drops But It Has Not Floated Down To Consumers

Bank of Canada Rate Drops But It Has Not Floated Down To Consumers.

Are you wondering why some interest rates are going up while others have gone down? How you can use the lower rates to your advantage? And what about mortgage deferrals - are they a good idea if you're in a...
Newspaper Mortgage Rate chart

Explanation of fixed and variable

  Let’s talk about rates! Here’s the short story. Yes, the Bank of Canada dropped its interest rate. But it doesn’t affect all mortgages. Specifically, if you have a fixed rate there are no changes for you.  Now for the...
sip savor summer

Sip. Savor. Summer.

Well Hello,  Its been a very long time since I wrote an opening to a newsletter. I feel rusty and out of practice. Have you ever put something off for so long that by the time you had to do...
Happy First Day of Spring

Happy First Day of Spring!! 

This is my first Newsletter of 2019 as I dial back the newsletters to quarterly. I will still continue to send out important announcements as needed. This newsletter will cover both, it's the first quarter as in its spring and...
See Ya 2018

See Ya 2018

Good Bye 2018, see you again. Never! Well, that sounded rather sassy. A year in reflection. My first thoughts of, "hey how was your year?"  Meh! Challenging. Stressful. But was it actually? Upon further investigation, I realized that the challenges brought me...
Mortgage Repayment(s) – The Perfect Holiday Gift

Mortgage Repayment(s) – The Perfect Holiday Gift

Written by DLC agent Ryan Oake Do you know what kind of prepayment privileges you currently have with your mortgage? Does your current lender allow you to make a 10% prepayment or a 20% prepayment on your principle amount? Can...