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My Rates

6 Months 3.10%
1 Year 2.34%
2 Years 2.14%
3 Years 2.44%
4 Years 2.44%
5 Years 2.54%
7 Years 3.19%
10 Years 3.69%
*Rates subject to change and OAC
Charlene Demchuck-Nelson Mortgage Associate

Charlene Demchuck-Nelson

Mortgage Associate


Phone:
Address:
PO Box 73107 RPO Woodbine, Calgary, Alberta

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Having access to multiple lenders and related financial organizations allows me greater leverage to negotiate a wide array of mortgage products, rates, terms and conditions with financial institutions across the country. For my customers this means great value in rates, terms and conditions for their specific mortgage needs. This could result in many thousands of dollars in savings through the years of home ownership.

As an Mortgage Associate, I will meet your needs at the highest level of service you deserve, to eliminate the time of shopping and negotiate the right mortgage for YOU to suit your individual needs. Whether you are a first time or repeat home buyer, wanting to renew or refinance your existing mortgage, self-employed, new to Canada, looking for a larger home, Vacation Property, considering a debt consolidation, Renovating, Investing or are credit challenged, I am dedicated to determine your specific mortgage financing needs. I will counsel you on credit and mortgage qualifications.

 


BLOG / NEWS Updates

Canadian home sales fall further in July

According to statistics released today by The Canadian Real Estate Association (CREA), national home sales declined further in July 2017. Highlights: National home sales fell 2.1% from June to July. Actual (not seasonally adjusted) activity in July stood 11.9% below last Julys level. The number of newly listed homes edged back by 1.8% from June to July. The MLS Home Price Index (HPI) was up 12.9% year-over-year (y-o-y) in July 2017. The national average sale price edged down by 0.3% y-o-y in July. Julys interest rate hike may have motivated some homebuyers with pre-approved mortgages to make an offer, said CREA President Andrew Peck. Even so, sales activity continued to soften in the Greater Golden Horseshoe region. Meanwhile, sales and prices in Montreal continue to strengthen. All real estate is local, and REALTORS remain your best source for information about sales and listings where you live or might like to. July marked the smallest monthly decline in Greater Golden Horseshoe home sales since Ontarios Fair Housing Plan was announced in April, said Gregory Klump, CREAs Chief Economist. This suggests sales may be starting to bottom out amid stabilizing housing market sentiment. Time will tell whether thats indeed the case once the transitory boost by buyers with pre-approved mortgages fades. Click here to continue reading

Decline in single-family component moderated by gain in multi-family dwellings

Canadian municipalities issued $8.1 billion worth of building permits in June, up 2.5% from May and the second highest value on record. Higher construction intentions for multi-family dwellings and commercial buildings were mainly responsible for the national increase. All building components reported gains in June, except for single-family dwellings. The value of residential building permits fell 0.9% in June to $5.0 billion, the fourth decrease in five months. The decline was mainly the result of lower construction intentions in four provinces, notably Ontario. In June, the value of permits for single-family dwellings decreased 12.5% to $2.4 billion. Seven provinces registered declines, with Ontario being the main contributor to the decrease. Conversely, construction intentions for multi-family dwellings rose 12.5% in June to $2.7 billion, marking a third consecutive monthly increase. Seven provinces registered gains, led by Ontario and British Columbia. Click here for more information

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