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My Rates

6 Months 3.10%
1 Year 2.44%
2 Years 2.14%
3 Years 2.34%
4 Years 2.59%
5 Years 2.69%
7 Years 3.19%
10 Years 3.79%
6 Months Open 3.10%
*Rates subject to change and OAC
Zach Silverman Broker / Owner

Zach Silverman

Broker / Owner


Address:
1-6337 198 Street, Langley, British Columbia

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THE SURVEY

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A FRIEND

I hope you're having a fantastic day so far and thank you for the opportunity in advance to work With You and discuss all of your Mortgage Requirements & Needs!

 

ABC Mortgage Group:

 

You've decided to take the first steps towards Home Ownership.

When purchasing a home and need a mortgage; you can go to a local bank and accept one of their products only available to that institution. Or you can sit down with myself, and or any other Mortgage Broker that has access to a wide range of lenders that will be competing for your business! With a number of products for you to choose from and the best interest rates possible. It is a benefit to use a Mortgage Broker.

With access to over 30 lenders including Canada’s largest banks, Credit unions, Trust Companies and private lenders. I will personally guarantee you that I will work as hard for you as I did getting to where I am today!

 

My Promise:

 

I will provide you with unbiased advice and take the time to go through all your financing options. I'm here to work with you and for you, NOT THE BANKS!

I love what I do, I've been involved within the Real Estate and Mortgage Brokering industry since an early age. Working from the ground up, I know that reaching one's goals is something that we all want to work towards and strive to achieve. I'm thankful that your giving me your trust and I look forwrad to not only earning it but Keeping it!

If we have the opportunity to sit down together and discuss your mortgage requirements and needs... I will provide you with a more indepth profile about myself and also take the time to get to know you. I promise you that I will do my very best that I can to ensure the transaction is as seamless as possible. Even if there are bumps in the road and some struggles along the way... I plan on going through those with you.

 

In Closing:

In most cases, we are paid directly by the Lender so there is no cost to you, and because I don't get paid until the mortgage is fully completed, I'm going to be highly motivated to move your mortgage application quickly through all the required channels.

The difference of even a .25% on a mortgage can result in thousands of dollars worth of savings over the life of your mortgage and allowing you to be mortgage free years sooner.

I look forward to meeting with you and discussing the next steps.

 

Thank you again for allowing me to be a part of this journey with you!


BLOG / NEWS Updates

Bank of Canada maintains overnight rate target at 1/2 per cent

The Bank of Canada today announced that it is maintaining its target for the overnight rate at 1/2 per cent. The Bank Rate is correspondingly 3/4 per cent and the deposit rate is 1/4 per cent. Uncertainty about the global outlook is undiminished, particularly with respect to policies in the United States. The Bank has made initial assumptions about prospective tax policies only, resulting in a modest upward revision to its US growth outlook. Overall, the global economy is strengthening largely as expected and prices of some commodities, including oil, have risen. The rapid back-up in global bond yields, partly reflecting market anticipation of US fiscal expansion, has pulled up Canadian yields relative to the OctoberMonetary Policy Report(MPR). Bearing in mind the important assumptions embedded in its forecast, the Bank projects that Canadas real GDP will grow by 2.1 per cent in both 2017 and 2018. This implies a return to full capacity around mid-2018, in line with Octobers projection. In the context of a projection that is largely unchanged, the Banks Governing Council judges that the current stance of monetary policy is still appropriate and maintains the target for the overnight rate at 1/2 per cent. Governing Council will continue to assess the impact of ongoing developments, mindful of the significant uncertainties weighing on the outlook. Source: Bank of Canada

Canadian Housing Starts Trend Declined in December

The trend measure of housing starts in Canada was 198,053 units in December compared to 200,105 in November, according to Canada Mortgage and Housing Corporation (CMHC). The trend is a six-month moving average of the monthly seasonally adjusted annual rates (SAAR) of housing starts. CMHC uses the trend measure as a complement to the monthly SAAR of housing starts to account for considerable swings in monthly estimates and obtain a more complete picture of the state of Canadas housing market. In some situations analyzing only SAAR data can be misleading, as they are largely driven by the multi-unit segment of the market which can vary significantly from one month to the next. The standalone monthly SAAR for all areas in Canada was 207,041 units in December, up from 187,273 units in November. The SAAR of urban starts increased by 11.8per cent in December to 187,621 units. Multiple urban starts increased by 13.9per cent to 120,750 units in December and single-detached urban starts increased by 8.1per cent, to 66,871 units. In December, the seasonally adjusted annual rate of urban starts increased in Ontario, Quebec and the Prairies, but decreased in British Columbia and in Atlantic Canada.

MY LENDERS

TD Bank Scotia Bank First National B2B Bank Home Trust
MCAP Merix Industrial Alliance Optimum Canadiana Financial
Equitable Bank ICICI Bank Fisgard Capital  RMG Mortgages Street Capital