Why You Should Use a Mortgage Broker

Hey everyone! Lori Lalonde here, your Northern BC Mortgage Broker, with my second blog post in as many days. I don’t usually do more than one a week, but I just got a phone call that made me realize how important these regular updates are. My goal in writing them, of course, is to give Canadians a better understanding of the mortgage market – because as I’ve often said and truly believe, the best consumer is an informed consumer. That said, it’s unreasonable to expect Canadians to have a full, complete understanding of the mortgage industry (considering that not only is it pretty complicated, but it’s also always changing). So really, for as much as I want my readers to learn something from every post, I also want them (you!) to understand that it’s not realistic to learn everything on their (your!) own.

That’s where I come in. And yes, I’ve said that a few time before, but it’s true – my job as a mortgage broker, by definition, is to make getting a mortgage as easy as possible for you. It’s a job I love to do, and it’s a job that’s more necessary than ever. As far as I’m concerned, 100% of people applying for a mortgage should do so through a mortgage broker (though as my last post mentioned, the real statistic is drastically lower).

Now, I know what you’re thinking: of course I want everybody to use a mortgage broker, because as a mortgage broker, I stand to gain from that. And sure, I always appreciate getting new business, but this post isn’t meant as an ad. In fact, I’ll go so far as to say that you should always use a mortgage broker even if it isn’t me – the important thing is that whoever you go with has an in-depth understanding of the mortgage industry. No matter how much you know personally, no matter how many of my blog posts you read, it won’t be enough – but a good mortgage broker will always be an expert in the latest products and policies.

As a matter of fact, I’m in Vancouver right now participating in information sessions with a wide variety of lenders (including TD Bank), for the sole purpose of keeping up to date with changes in the industry. I’m always learning in this job, because if I’m not, I wouldn’t be doing justice to my clients. That’s the single most important quality of a mortgage broker, and it’s why I recommend you use one (even if it isn’t me!) whenever you apply for a mortgage. Yes, it’s a given that I can get you the very best rate, but it’s my knowledge and service that makes me absolutely invaluable. And most importantly – and I’m putting this next part in all caps – MY SERVICES DON’T COST YOU A DIME. Sorry to yell, but this is the reason I can’t understand why so few Canadians use a mortgage broker. We have access to the latest knowledge and the best rates and we don’t charge a thing – why would you not use a broker?

Now at the start of this post, I mentioned getting a phone call that prompted me to write it. It’s the same call I get several times a week, from a potential client who’s been misinformed by their bank, but this one just pushed me over the edge. I can’t tell you how many times I’ve picked up clients simply because they’ve been promised something by the bank (or indeed, another mortgage broker) that just hasn’t been delivered. I’m not complaining – again, I like getting new business – but it just frustrates me to see people wasting their time when I can help them out so easily… and for free! That’s really what this post is all about, and I just can’t stress it enough: if you’re thinking about getting a mortgage, always consult a mortgage broker first. It’s that simple. I’d love it if that broker were me, but if it’s not, then consult someone else. Think of it like going to get your teeth cleaned: if you’re willing to pay a dentist to do a better job of something than you could do yourself, then wouldn’t you be willing to not pay a mortgage broker to get a better mortgage for you?

This post has run a little long (I had to make up for being brief last time, I suppose), but I hope that just supports how serious I am. To be as blunt as possible, call a mortgage broker. Just do it. And if you’re looking for a good one in Northern BC, my number is (250)-782-9665.

I can promise you won’t regret it.

Lori Lalonde, Your Northern BC Mortgage Broker

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Spring 2015 – A Profile of Home Buying in Canada

Hey everybody! It’s been a big week for mortgages on my end but not a huge week for mortgage news everywhere else, so I’m gonna do something I rarely get to do on this blog: be brief. Perhaps this introduction isn’t the best example of that, but I mean it! Today’s post will just be a quick, informal update so we can all be as on top of things as possible. Let’s jump right in to it!

From Robert McLister over at CanadianMortgageTrends.com comes this excellent rundown of CAAMP’s 2015 Spring Mortgage Report, which, in that report’s own words, is “A Profile of Home Buying in Canada.” Now the CAAMP, for those who may not know, is the Canadian Association of Accredited Mortgage Professionals – so they’re a pretty big deal in the industry. And Robert McLister, who I use fairly often as a source, is a mortgage columnist for The Globe and Mail – so he knows what he’s talking about too. With those credentials on the table, you can be pretty confident in the following “gauge [of] the pulse of the market:”

  • 45% of home buyers are first-time buyers.
  • 51% of Canadians with mortgages choose a 5-year fixed mortgage. This is probably a good time to remind you all of my 2.59% 5-year fixed rate.
  • 34% of mortgages were from mortgage brokers.
  • 39% of first-time home buyers use a mortgage broker – more than any other segment of home buyers.
  • The percentage of overall home buyers drawn in by low interest rates is 18%. This is another good time to remind you all of my 2.59% rate!
  • The average interest rate for homes purchased so far in 2015 is 2.68% (which McLister puts down at least partly to “the fact that some folks don’t shop rates as much as they could”). In case you hadn’t heard, I have a pretty nice 2.59% rate you can try shopping around…


In keeping in line with one of my recent posts (about the importance of low interest rates), I’ll also include this direct quote from the CAAMP’s report: “…a statistical analysis shows that reductions in interest rates in Canada tend to reduce the rate of mortgage credit growth…” Robert McLister explains what should really be common sense: “…very low levels of interest rates mean that Canadians are paying less interest and have more money available to repay their mortgage principal.”

And that’s it! As promised, I wanted to keep things quick today, so let me just finish by saying that if you have any questions about the CAAMP’s report (or if you just want to know more about it), you can call me for FREE at (250)-782-9665. As a matter of fact, that FREE part applies to all my mortgage services – whenever and wherever you need them. If you’re reading this on your phone, all you have to do is tap my number! And if you’re on a computer, here’s an email address for equal ease of access: lori.lalonde@verico.ca. Since you now have no excuse not to contact me, I hope to hear from you all soon!

Cheers,
Lori Lalonde, Your Northern BC Mortgage Broker

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How the Banks Turn a Profit in a Tough Economy, Part 2 (Hint: it’s the Same as Last Time)

Hey everybody! I’d like to start today’s post by thanking each and every one of my readers, regular or not. That means you! Yes, you! Give yourself a pat on the back for me. When I started regularly keeping this blog back in January, I wasn’t sure what kind of response it would get – but it seems to be helping quite a few people with their mortgages, and that’s exactly what I was going for. In fact, that’s what I go for every day as a mortgage broker… it’s literally my entire job! I’m pumped that the internet allows me to be even more useful to you guys, but remember, my services don’t stop here: you can call me any time for any reason, and if that reason has to do with mortgages, I can give you all the free advice you could ever want. If that reason has to do with something other than mortgages… well, I’ll give that my best shot too! I live to serve!

So remember, my number is (250)-782-9665. Call me! I’ll wait.

Okay, so I assume you’ve called me by now, and it was really great talking to you! That said, you’re probably hungry for even more mortgage advice, so here’s today’s blog topic: The Big 6 Banks and their earnings for Quarter Two of 2015. Fuller details on this can be found right here, and while Canadian Mortgage Trends does a good job of highlighting the relevant data, I’m gonna make it even more concise for you guys: the banks make a lot of money on mortgages.

And I mean a lot. The Big 6 earned $8.04 billion this quarter, an increase of more than 30% from last year. While not all of that is from mortgages, obviously, the rising profit margins on those is a pretty significant factor. Those rising profit margins, remember, come from “the banks pocketing 10 basis points from the Bank of Canada’s 1/4 point rate cut in January,” as Robert McLister puts it (I wrote a blog post of my own about that, which you can find right here). On top of that, the residential mortgage portfolio for 5 of the Big 6 Banks rose this quarter – and the majority of those mortgages are fixed, which, according to Scotiabank’s Anatol von Hahn, is “very attractive from a margin point of view.” If you’re interested, you can read all about how those mortgage portfolios rose for the banks in Quarter One as well, right here in my last blog post about it.

So the banks are making a lot of money on (mainly) fixed mortgages. Good for them, right? What’s the big deal?

The big deal is that there are lots of other, better options for Canadians. As Rob Carrick at the Globe and Mail put it a couple months ago, “the big banks are masterly in how they attract attention to their mortgage rate cuts.” They draw people in with big promises and good-looking rates, which “look like bold mortgage moves to the uninformed… by creating an illusion of daring competitiveness, the banks keep customers coming back.” Then they hit you with penalties and restrictive terms that keep their profit margins high enough to swell their earnings quarter after quarter. It may even be that a mortgage with one of the big banks is the right way to go, but you can’t know that for sure without examining all your other options. And the best, easiest way to do that is to consult a mortgage broker (and remember, we don’t even charge you anything)! As Carrick puts it: “You may still end up doing business with your bank, but failing to at least consult a broker is borderline personal-finance negligence.” Naturally, as a mortgage broker, I agree with him. But more importantly, I agree with him as a Canadian – because the more money we all keep in our pockets, the better the economy is for everybody. So please, for all our sake, make sure you find yourself the right mortgage.

That’s all I have to say for today, but before I sign off, I want to remind everyone that we’re hiring mortgage professionals in Fort St. John! If you or anyone you know might be interested, feel free to send in a resume or give me a call! That number again is (250)-782-9665!

Lori Lalonde, Your Northern BC Mortgage Broker

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The Importance of Low Interest Rates (Beside the Obvious)

Happy Thursday everyone! I hope you’re all enjoying the beautiful June weather as much as I am. It’s days like these you just want to get out of the house and into the fresh air – and I say that as someone whose job it is to help people get in to houses!

But it’s also my job to keep the good people of Northern BC (that’s you!) up to date on their mortgage news, and so before I join you in enjoying the day, I thought I’d write a quick post about the latest goings-on in the industry. My main inspiration today is a wonderful long form article by Richard Blackwell in The Globe and Mail about the dangers of rising interest rates.

As Blackwell lays out very bluntly, the “ratio of debt to disposable income [for the average Canadian] has risen to 163 per cent” since the early 90’s. The reason that hasn’t “crippled families,” as he puts it, is because “low interest rates have kept payments reasonable.” The average 5-year fixed mortgage rate in 2015 is 3.8%, which is magnitudes lower than it was thirty years ago – 19.4% was the average in 1982. These two figures – debt to disposable income and average interest rates – form a very fine balance, and Blackwell postulates that “it wouldn’t take much of a hike to play havoc with the finances of today’s homeowners.” As he puts it, particularly direly:

“If rates go up – and not even remotely close to the levels of the 1980s – many people will be paying out a far greater proportion of their income in interest, possibly forcing some to abandon their houses or declare bankruptcy.”

That’s not to say he’s predicting a sudden housing apocalypse – he isn’t. In fact, “it looks likes rates won’t be turning upward for some time yet.” However, it’s an important warning to keep in mind when picking out the right mortgage – Blackwell quotes Bank of Montreal chief economist Doug Porter as saying that “when interest rates turn, they could rise more quickly than many expect.” My fellow mortgage broker Steve Garganis points out in his latest blog post that fixed mortgage rates might be about to start climbing, and it’s certainly something to consider when selecting a mortgage now.

I’m obviously not trying to scare anybody, and I’m certainly not portending a future of doom and gloom for Canadian homeowners. I tend to think that everything will turn out alright in the end, but I want consumers like you to be aware and proactive when making one of the most important purchasing decisions of their lives. My main takeaway, as always, is that it’s important to be informed. There’s a perfect mortgage out there for you, and I want you to get it with or without my help. Of course, I’d love to help you find it, and if you can spare the incredibly reasonable cost of FREE for my services, I promise I can get it for you (for example, my 5-year fixed rate of 2.59% is well below that 3.8% average…).

On a lighter note (and as I pointed out earlier today on my Twitter page, which I up update even more frequently than this blog), RBC has backed down from newly proposed transaction fees that were to take effect June 1st – the same day that CMHC enacts its own increase on mortgage loan insurance, as I talked about at length last time. RBC’s plan was to have mortgage payments count toward a monthly transaction limit for customers, meaning essentially that customers would ‘pay to pay’ their mortgages off. Thankfully, as CBC reports, consumer outrage has put a stop to this particularly greedy plan – and I’m always in favour of a win for consumers. That said, this whole incident is a perfect example of nickle and diming from one of the Big Six Banks… the fact that it was set to take place at all is a big breach of good faith. Luckily for anyone in the market for a mortgage, I have access to a ton of other lenders who aren’t trying to take as much as they can from their customers. Give me a call at (250)-782-9665, and I’ll tell you even more about it. Remember – my phone is always on during business hours, and my business hours are always. That’s another thing that sets me apart from the banks.

On that note, I think we both have some beautiful weather to enjoy. Have a wonderful weekend!

Lori Lalonde, Your Northern BC Mortgage Broker

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Your Start of May Mortgage Update: Let’s Talk CMHC

Hello friends! I trust everyone has been having a great week and a fantastic start to the month – and if not, perhaps it will console you to know that I have. Of course, I’m here to improve your week either way, and what better way to accomplish that than with an exciting mortgage update?

To that end, let me talk a little bit about CMHC (The Canadian Mortgage and Housing Corporation), which I’ve mentioned in previous posts. The focus of those mentions was on the mortgage loan insurance premium for homebuyers with less than a 10% down payment – a premium that starting June 1st, “will increase by approximately 15%.” That’s not to villainize the CMHC (on the contrary, they provide a valuable service to millions of Canadians), but simply to provide an indication of the changing landscape of the Canadian mortgage industry.

As CMHC works to “tighten [its] mortgage rules” and “shrink… the total value of its mortgage insurance” (as reported by the Globe and Mail), they in turn “encourage the growth of private sector mortgage financing and insurance.” This accounts for their raise in premiums last year and the one that comes into effect June 1st, and sets the stage for private companies like “Genworth MI Canada Inc. [that] report they’re working to expand their presence in the market, particularly among smaller lenders.”

CBC points out that this won’t necessarily work out the way CMHC is hoping, as “Genworth Canada has matched the CMHC’s hike [of 15%].” And this isn’t some sort of opt-in fee: “By law, anyone who wants to purchase a home in Canada with less than 20 per cent as a down payment must purchase mortgage insurance from either the CMHC or one of its rivals like Genworth.” That means that if you’re in the market and want to avoid the rate hike, and you fall into that category of purchaser, you should look at getting a mortgage sometime this month – because no matter who you go with, you’ll feel the increase. The good news to come out of this is that even in a predicted housing slowdown, CMHC is “lowering the amount it sets aside to pay claims… citing ‘improving economic conditions including rising house prices and lower unemployment rate'” (that’s from the Globe and Mail again).

So why tell you all this? Most importantly, to keep you informed, because an informed consumer is a savvy consumer (and our country could use all the savvy consumers we can get). But secondly, to highlight just how complicated and dynamic the mortgage industry is – and to make it as clear as possible what my job as a mortgage broker is for. As a Canadian looking to buy a home, or refinance one, or whatever it is, you’re only interested in getting the best, most appropriate mortgage you can. It’s a very simple concept that in practice – even with an organization like the CMHC trying to make it as easy as possible (they have a detailed home-buying guide on their website, for example) – becomes very difficult to manage. You shouldn’t have to navigate the murky waters of the mortgage industry on your own, and if you give me a call, you won’t. I know the ins and outs, I spend my days keeping up with the latest changes, and I’m here exclusively to help you with all of it. Best of all for both of us, I provide this service FREE of charge for almost every client. Those ever-evolving lenders pay me out of pocket, so you don’t have to. They get a good client and you get the best mortgage possible.

If you’ve read all the way here, I hope you have a better understanding of the mortgage industry (or at least CMHC’s role in it). But more significantly, I hope you know that you don’t need to understand it all 100% – because I can do that for you, and I can do it for free.

My number is (250)-782-9665, and my phone is always on.

Lori Lalonde, Your Northern BC Mortgage Broker

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We’re Hiring Mortgage Professionals in Fort St. John!

Hey everybody! I usually try to tailor this blog to clients, or Canadians looking to learn more about their mortgage options. And that’s been working great – so great, in fact, that my business is growing too big!

To that end, I’m looking to hire highly motivated, success driven people to join my team of mortgage brokers in Fort St. John. I have a passion for this industry and believe that Northern BC is the best place to be right now, and if you agree with that – and are looking to make your mark – I think you’d be a perfect fit.

And why should you join my team? My company, Paragon Pacific Mortgages Inc., works with Canada’s largest mortgage broker network – Verico – and can provide you with all the tools and assistance you need to succeed in your career. On top of that, you’ll have access to a selection of industry benefits:

  • Competitive industry splits
  • Volume bonuses
  • No monthly fees
  • Status levels with lenders
  • Dedicated underwriters
  • State of the art marketing tools to help you grow your business
  • Personal websites
  • Industry leading CRM

 

…and a dedicated team of professional brokers supporting you along every step of the way. If that’s sounds like exactly what you’re looking for, send me a resume and cover letter at lori.lalonde@verico.ca. Ideal candidates would be driven and self-motivated, with strong people and interpersonal skills. Of course, financial industry experience and a licence to broker mortgages in BC is required.

All applications will be kept confidential, and if you qualify I’ll contact you right away for an interview. Thanks a million for you interest in the position, and I hope to have you on the team soon!

Lori Lalonde, Your Northern BC Mortgage Broker

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Now is The Perfect Time to Get a Mortgage: A Friendly Reminder

Hey everyone! It’s been a busy month for me so far, and while I’m always happy to be able to say that, I haven’t had time to put out a blog post in a while. So I thought I’d take a few minutes to do that now, and to that end I’m gonna run through the current state of the Northern BC mortgage market. Consider this a quick refresher on everything I’ve been talking about over the past couple months, but first let me skip straight to the point: if you’re thinking about getting a mortgage in Northern BC, now is the time to do it.

Firstly, the spring housing market is here! Nobody wants to go house hunting or, worse yet, move in the winter – and in Canada that’ll be back before you know it (and long before you’re ready for it). But more pressing than aesthetic or convenience concerns is the simple fact that right now, this spring, is one of the most financially prudent times to buy: as I quoted last time from the Globe and Mail, “…the most notable mortgage trend for 2015 has been lower borrowing costs for home buyers.” And if you’re not living in BC yet but are thinking of coming up, there’s even more incentive: the 2015 BC budget came in with a surplus of almost a billion dollars. Pair that with the insane demand for workers in Northern BC right now, and you have every reason to be shopping around for a mortgage.

Secondly, and perhaps more importantly, is the fact that CMHC (The Canada Mortgage and Housing Corporation) just announced an increase in homeowner mortgage loan insurance premiums for buyers with less than a 10% down payment. That means that effective June 1st, you’ll be paying about 15% higher premiums if you fit into that bracket than you would be with a mortgage right now. If you’re on the fence or are simply shopping the market, that’s something you should keep in mind – if you want to get a mortgage, you’d better do it before June.

Lastly, as I’ve touched on in posts such as this one on home buying help or this one on how brokers get paid, I can personally make your mortgage-buying experience as easy and painless as possible. Not only do I keep my phone on 24/7 (250-782-9665, and yes, that means evenings and weekends!), give you access to over 40 lenders who all compete for YOUR business, and offer you rates much lower rates than anything you’ll get from the banks, but I provide all these services absolutely FREE of charge. Barring any special requirements on your end (which happens rarely), I get paid exclusively by the lenders – there’s no cost to you whatsoever. There is 100% zero downside to using a mortgage broker, and with all the upsides… well, like I said, now is the perfect time to get a mortgage.

What are you waiting for?

Lori Lalonde, Your Northern BC Mortgage Broker

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Should You Go For a Collateral Mortgage?

Hey everyone! I hope you all had a Happy Easter and are enjoying the beautiful weather. If you’re thinking about buying a home and getting a mortgage (and now’s the perfect time to do it!), you may have seen the recent new rate announcements by some of the Big 6 Banks. BMO and TD are advertising low rate, no frills mortgages at 2.79% – according to Steve Garganis, that’s “the lowest advertised rate by a Big 6 Bank in history.”

So that’s great, right? Well if it were, this wouldn’t be much of a blog post! In the article I linked on CanadaMortgageNews.ca, Steve does a great job of outlining the various pitfalls of those historic low rates, but it comes down to a few simple things:

  • Those mortgages come with unnecessary restrictions, hidden fees, and penalties.
  • You’re not allowed to pay out the mortgage prior to maturity (unless by a bona fide sale).
  • You give up your ability to negotiate rates in the future, because refinancing is made exclusive to the bank.
  • Prepayment penalties are wildly inflated, so penalties can be up to 4 or 5 times higher than normal.
  • But most importantly, this isn’t the lowest rate you can get!

In fact, I can get you a 5-year fixed rate as low as 2.59% – without any of the drawbacks of going through the Big 6 Banks. Just give me a call at (250)-782-9665 to talk about it (it really is that easy!).

There’s one final drawback to those “low rate” mortgages offered by TD specifically, and that’s what I want to talk about today: since 2010, TD has registered all new mortgages as a collateral charge. So what does that mean? Essentially it means easy approval and no legal fees for refinancing, which according to TD is good for consumers. And they’re right: on the surface, that sounds great. But the catch is severe – a collateral mortgage is not portable. You’re stuck with TD, which means they’re in charge of your interest rate. If you want to increase your mortgage in the future but they don’t approve it, you’re out of luck… and money. That ends with penalties, costs, and the type of legal fees you were trying to avoid with a collateral mortgage in the first place. What’s the advantage? For TD, it means customer retention. And if TD’s profit margins are something you value as well, then their new mortgage might just be right for you.

But otherwise? Stay far away from collateral mortgages! CBC Marketplace even did an episode called “Uneasy Money” about these shady, fine print loans – it’s a real problem for millions of Canadians who trust the Big 6 Banks to have their best interests at heart. They may not, but I do – my job is to get you the best mortgage possible. And remember, TD doesn’t give you a choice: all their mortgages are collateral. I have a network of 40+ lenders all competing for your business, offering every type of mortgage imaginable. Who would you rather work with?

So to answer my titular question, should you go for a collateral mortgage? I’ve heard it equated to handcuffing the customer, but frankly, whether or not you should go for one is beside the point. Getting a mortgage is a hugely important decision, and you should be able to get the one that fits best for YOU, not the Bank. The majority of the time your best fit will be with a different lender, but depending on the type of property you’re trying to finance, it could very well mean going with a loan from TD. The point is that you should have the freedom and the ability to get the mortgage that’s perfect for you, no matter what – and talking to a mortgage broker will allow you to do just that.

If you agree, my phone is right beside me – and I wasn’t kidding about that 2.59% rate.

Lori Lalonde, Your Northern BC Mortgage Broker

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The Spring Housing Market is Here

Hey everybody! It’s that time of year again, and it’s finally starting to show! Not only has it been a great Spring Break, but the weather’s giving us all a break too. I don’t want to jinx it, but I think Winter’s gone for good (crosses fingers, knocks on wood, tosses salt over shoulder, etc).

In other words, the Spring Housing Market has arrived. With the gorgeous weather comes a whole slew of gorgeous homes, and now is the perfect time to browse around and buy your dream house. And that means that right now is the perfect time to talk to me, your mortgage professional. It’s a given that I’m gonna get you the lowest rate for your mortgage, but there’s so much more to it than that – and it’s never too early to give me a call. I’m always on top of the latest products and policies, so not only can I answer all the questions you have for me, but I can answer all the questions you might never have thought to ask. I have years of experience brokering mortgages in Northern BC and Alberta, so trust me when I say that if you need help with something – I know how to go about it.

And don’t forget that 99% of the time, my services are completely free! It doesn’t cost you a single cent to ask me for help, but it can end end up saving you thousands of dollars on your mortgage. If that sounds like a good deal to you, then pick up the phone any time: my number’s (250) 782-9665.

So what do you say, neighbours? Northern BC is looking particularly beautiful right now, and so are all those Spring Market houses. If that’s not enough to tempt you, then how about this quote from the Globe and Mail: “…the most notable mortgage trend for 2015 has been lower borrowing costs for home buyers.”

Have a great weekend everybody! My phone will be on the whole time.

Lori Lalonde, Your Northern BC Mortgage Broker

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Home Buying Help (My Phone is Always On)

Hey everybody! It’s your friendly neighbourhood mortgage broker here. Today is the first day of Spring and that means the new house you’ve been eyeing is starting to look pretty warm and inviting… so there’s no better time to give me a call! Remember: I keep my phone on me all day, not just during business hours.

And another thing – I may be a mortgage broker, but that doesn’t mean I can’t help you with the other parts of buying and settling into your new home. Don’t know how to get started? Give me a call! Looking for a good real estate agent? I know plenty! Trying to decide on a new paint scheme? Okay, that might be a bit out of my area of expertise… but I’d be more than happy to weigh in!

The point is, my whole career is based on getting you the best mortgage and the best life I can – and it’s a career I’m very passionate about. I don’t want you to think of my services as another box to check when buying your dream home; I want you to think of me as a guide to help you out along the way. I will always go above and beyond for my clients, because we have the same end goal: making you as happy as possible. So no matter where you are in the process, if you need a helping hand… well, again, my phone is always on.

Have a great International Day of Happiness!

Lori Lalonde, Your Northern BC Mortgage Broker

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