bc mortgage brokers: How to send an email to all your contacts in Linkedin
- 02/27/15 05:49 AM
Mark Fidgett is a Vancouver mortgage broker and the driver behind www.NotaPennyDown.com Your Vancouver Mortgage Broker For Life 604-273-2002 www.notapennydown.com P.S. Who’s the next person you know who wants to save thousands off their mortgage? Be sure to give me a call so we can help them! 604-273-2002 … (0 comments)
bc mortgage brokers: Poor service, but thank you anyway...
- 05/09/13 11:42 AM
As a Vancouver mortgage broker, I’ve made it my practice to get the best price I can. I strive for fairness – that’s why I was so disappointed when my cellular phone provider Fido took so long to show me that they appreciated my business. Here’s what happened: Over a cup of coffee my wife and I learned from friends that Bell charges $50 for 40 minutes talk time anywhere in Europe plus 200 texts and 25 megabytes over a 30-day period. Shortly afterwards I checked the Fido website where I discovered a service package similar to Bell’s would cost $160. … (2 comments)
bc mortgage brokers: Real estate nightmare
- 04/27/13 06:34 AM
A B.C. couple says they were tricked into buying an unlivable house. Great article by the CBC. You must watch this video.
You may have already noticed that this is one of reasons I ALWAYS recommend that buyer’s have their own independent realtor representation. A realtor, aka Pit Bull, who treats your money like it’s their own. The sellers agent works for the seller not you. Let’s put it this way, if you were going to trial for legal matters would you feel comfortable being defended by the prosecuting attorney. Buyers are always well advised to obtain their own … (0 comments)
A Saskatoon real estate agent and his brokerage have escaped liability to the purchasers of a home with a wet basement in a misrepresentation lawsuit. Although they recovered their damages from the sellers, the unhappy buyers were ordered to pay the agent’s costs out of their own pocket. Back in 2007, Carol and Donald Jacobucci bought a house in an … (2 comments)
bc mortgage brokers: Tell Your Landlord to take a hike - **ZERO DOWN CASH BACK**
- 01/07/13 11:09 PM
That’s right, Zero Down PLUS cash back. “If you’re like most renters, you feel trapped within the walls of a house or apartment that doesn’t feel like yours.” Don’t Feel Trapped Anymore… This unique, innovative and very exclusive program is accessible to qualified home buyers with no down payment and a cash back component. Go ahead and watch the video below
Don’t Pay Another Cent in Rent To Your Landlord. Find out how much you qualify at www.NotaPennyDown.com Mark Fidgett is a Vancouver mortgage broker and the driver behind www.NotaPennyDown.com Your Vancouver Mortgage Broker For Life www.notapennydown.com P.S. Who’s … (0 comments)
bc mortgage brokers: What’s the Difference Between a Mortgage Payment and Rent?
- 12/28/12 01:03 AM
May sound like a silly question, but what’s the difference between a mortgage payment and paying rent? They can both occur on the exact same day, but there is a subtle difference. Of course, we all know that a mortgage payment is for a mortgage and rent is for rent, but is that it? Yes, mortgage payments can be accelerated and you deffinately own the property versus just renting it, but one of the key differences consists of what time frame that payment covers. You see, when you pay rent, it’s what I call ‘Pay & Stay’, whereby you’re pre-paying for … (1 comments)
Tony Spangniolo over at BCrealestatelawyers.com reminded us all of the importance of using a mortgage broker. Many of you may already know about the new home buyers bonus. An incentive introduced in the Budget earlier this year that Basically says, if you’re a first time home buyer and you buy a brand new home, you can receive up to $10,000 Cash back. Well, that’s not necessarily always the case. Let me explain… An Unsuspecting first time home buyer purchased a brand new home fully expecting … (2 comments)
bc mortgage brokers: Canada's Youth Shouldn't Lose Faith - Vancouver Zero Down
- 11/18/12 02:50 AM
You like me have probably been hearing a lot of doom and gloom lately. In fact, some even say it’s tough to buy a home in Canada. I do have to ask, who are “they”, because when my parents came to Canada in the late 50′s, they were saying the same thing. Times were even tougher. Owning a home in Canada was a dream. Zero Down hadn’t even made it into our vocabulary. But guess what, they still managed to buy, even with high DOUBLE DIGIT interest rates. I recently had the pleasure of helping a young man purchase his first … (1 comments)
To find out more about this or our zero down program please contact me directly at 604-273-2002 Mark Fidgett is a Vancouver mortgage broker and the driver behind www.NotaPennyDown.com Your Vancouver Mortgage Broker For Life www.notapennydown.com 604-273-2002 P.S. Who’s the next person you know who wants to save thousands off their mortgage? Be sure to give me a call so we can help them! 604-273-2002 Check out the video “Mortgage Refinance – Can you really save with a mortgage refinance“
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bc mortgage brokers: Do banks have a gender mortgage pricing problem?
- 10/22/12 09:21 AM
Are woman being charged more for mortgages? Do banks have a gender mortgage pricing problem? While watching the Global morning news on Sunday,I caught an episode on Gender Pricing in the banking industry with Katie Dunsworth co-founder of www.SmartCookies.com You may be surprised…
Bottom line for the ladies out there – USE A MORTGAGE BROKER To find out more about this or our zero down program please contact me directly at 604-273-2002 Mark Fidgett is a Vancouver mortgage broker and the driver behind www.NotaPennyDown.com Your Vancouver Mortgage Broker For Life www.notapennydown.com 604-273-2002 P.S. Who’s the next person you know … (1 comments)
bc mortgage brokers: Should I rent or should I buy?
- 09/09/12 10:21 AM
I’m often asked, should I rent or should I buy. It would be pretty straight forward if you only had to consider your mortgage payment. I truly believe there isn’t a one size fits all answer to this question. That said, I’ll do my best here to provide some food for thought. Before I get into the pure dollars & sense of it all, you have to look at all the moving parts that aren’t as measurable as the numbers. Things like - Where can I buy, distance from work, types of schools, neighbourhood etc etc…?? What can I buy, how … (1 comments)
bc mortgage brokers: Why Use A Realtor - Vancouver Real Estate For Sale
- 08/05/12 10:36 AM
Why Use A Realtor? In today’s day an age of the computer, information is a mouse click away. A day doesn’t go by when you’re not inundated with these ‘Do-it Yourself” sites. So if you’re looking to purchase a home in Vancouver, why use a realtor? Why not just do it yourself? I’m not going to say “you must use a realtor”, but you may be surprised to read the following exerts from an interview I did with a top Vancouver realtor. Mark: Welcome, thanks for joining me today Realtor: my pleasure Mark, glad to be here. Mark: We conducted a … (0 comments)
bc mortgage brokers: What is the OSFI and why should I care?
- 05/31/12 08:10 AM
What is the OSFI and why should I care? Unless you’re close to the financial industry, you may not be aware of what’s going on behind the scenes. The (OSFI) Office of the Superintendent of Financial Institutions, is an independent agency of the Government of Canada reporting to the Minister of Finance created “to contribute to public confidence in the Canadian financial system.” As much as they are the sole regulator of banks, and the primary regulator of insurance companies, trust companies, loan companies and pension plans in Canada, they’ve never really had their finger in the mortgage pie. UNTIL NOW! … (0 comments)
bc mortgage brokers: RRSP as Downpayment – first home mortgage using RRSP
- 05/18/12 01:01 AM
Imagine being pre-approved for a mortgage, finding the home of your dreams, then realizing that you don’t have enough cash for the deposit. Yikes!! Make sure you don’t do this when you buy your next home.
Everything was going along very smoothly until her realtor asked her for a $5,000 deposit. If using RRSP as a first time homebuyer or you haven’t owned a principal residence within last 5 years, you must complete the Home Buyers Plan (HBP) form from Canada Revenue Agency.
Download it here http://www.cra-arc.gc.ca/E/pbg/tf/t1036 Remember to get the funds out early enough so that you have … (0 comments)
bc mortgage brokers: Are Interest Rates Going Up In Canada?
- 04/05/12 04:15 AM
Are interest rates going up in Canada? If yes, when? If only I had a penny for every time I heard this question. Or should I say, a dime, pennies are history… All kidding aside, this is a very sensitive subject for many. As we’ve all heard, as little as a 2% increase in interest rates, is enough to adversely effect many. That said, I’ve always believed that the answer to this question lies heavily on the condition of the US economy. It’s been said many times, Canada won’t raise interest rates until the US does. So the question then becomes, … (0 comments)
bc mortgage brokers: Purchase Plus Improvements – with Vancouver Mortgage Broker
- 04/04/12 12:48 AM
As a mortgage broker in Vancouver, I thought I’d seen it all when it comes to mortgages and financing real estate in Vancouver. Well that sure changed a couple of weeks ago. I did something that I’ve never done before. Let me explain…
A client was referred to me needing a mortgage to purchase an apartment in Vancouver No surprises here, done that many times. We pre-approved her mortgage for an apartment purchase in Vancouver with 5% down payment. We did an interest rate hold for 90 days and sent her shopping. Well, here’s where it got crazy. She … (0 comments)
bc mortgage brokers: Credit Bureau Soft or Hard Inquiry with Vancouver mortgage broker Mark Fidgett
- 04/01/12 12:53 AM
While depositing a cheque at the bank, the teller suggested that my client apply for overdraft protection. As is the case with most, she kindly accepted the banks offer without question. After watching the video below, she phoned back to the bank and asked if the they were doing a soft or hard inquiry? Go figure, back rep didn’t know what a hard or soft inquiry was. After being transferred back and forth, she was finally told, YES a hard inquiry was done! Go ahead and watch the video below…
Whenever you apply for credit in Canada, whether it be … (0 comments)
ALERT: To clarify, since this recording, the BC Government now says the bonus is NOT claimed when filing an income tax return and the amount of the bonus is not reduced based on an individual’s tax bracket. Applicants can receive a cheque of … (0 comments)
bc mortgage brokers: Vancouver Real Estate Prices and Sydney Crosby with Vancouver Mortgage Broker
- 03/20/12 05:24 AM
What does the price of real estate in Vancouver have to do with Sydney Crosby? On the face of it, not too much, but dig a little deeper and you may see some similarities. It wasn’t long ago when many didn’t know where Vancouver was, and I’m not talking about Vancouver Washington. It wasn’t long ago too when many didn’t know who Sydney Crosby was either. Sydney Crosbey is one of the best hockey players in the world. Crosby made his NHL debut on October 5, 2005 His entry level salary was under $1,000,000 per year. Fast forward to July 10, … (0 comments)
bc mortgage brokers: Why Flaherty Shouldn’t Mess With Mortgages – CAAMP - Vancouver Mortgage Broker
- 03/18/12 05:51 AM
Great research done below by the Canadian Association of Accredited Mortgage Professionals. CURRENT MORTGAGE ISSUES KEY MESSAGE BASED ON OUR RESEARCH AND KNOWLEDGE OF THE SECTOR, WE SEE NO REASON TO TIGHTEN OR RESTRICT ACCESS TO RESIDENTIAL MORTGAGES AT THIS TIME CURRENT ENVIRONMENT Canada has a well-earned reputation for exercising economic prudence. As a result, we have managed to avoid a mortgage or housing market meltdown. Our banks are stable and our economy, while impacted by the general global economic slowdown, remains healthier than most CAAMP’s extensive industry research indicates that the Canadian mortgage industry is healthy We must continue … (0 comments)
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