It PAYS to shop around.
Many Canadian homeowners pay too much for their homes because they are not getting the best mortgage financing available in the market.
The mortgage process can be intimidating for homeowners, and some financial institutions don't make the process any easier.
But I’m here to help!
I’m a VERICO Mortgage Broker Advisor and I’m an independent, unbiased, expert, here to help you move into a home you love.
I have access to mortgage products from over forty lenders at my fingertips and I work with you to determine the best product that will fit your immediate financial needs and future goals.
VERICO mortgage specialists are Canada’s Trusted Experts who will be with you through the life of your mortgage.
I save you money by sourcing the best products at the best rates – not only on your first mortgage but through every subsequent renewal. So whether you're buying a home, renewing your mortgage, refinancing, renovating, investing, or consolidating your debts — I’m the VERICO Mortgage Broker Advisor who can help you get the right financing, from the right lender, at the right rate.
Give Comfort Food a Makeover
(NC) As temperatures drop, the urge to indulge in hearty classics takes over. Whether its soup, stew, or mac n cheese, you can satisfy your familys comfort cravings with delicious alternatives to old school favourites.
Swap ingredients and add seasonal vegetables to give classic dishes a makeover. Simple changes such as using sweet potatoes instead of regular spuds add more nutrients to your meals. Pastas like Barilla Protein PLUS add an array of benefits including 14 grams of high quality protein from chickpeas, lentils and egg whites.
Give this Barilla Bacon and Brussels Sprouts Penne recipe a try and share your favourite comfort food makeovers with us!
Barilla Bacon and Brussels Sprouts Penne
1 box Barilla Protein PLUS Penne
2 pounds Brussels sprouts
8 slices raw bacon
4 cloves garlic, minced
1/4 cup shallots, thinly sliced
1 tablespoon olive oil
1 cup chicken broth, low-sodium preferred
1/4 cup pecans, roasted and chopped
1/4 cup Parmesan cheese, grated
Cook pasta according to the package instructions. Preheat oven to 350F. In a pot of boiling water, blanch Brussels sprouts for 5 minutes; place drained Brussels sprouts on baking pan in fridge to cool. Once cooled, cut sprouts in half. In an oven-safe skillet, cook bacon until crisp, remove and crumble; pour off all but 1 tablespoon of bacon fat. Add garlic and shallots to skillet and saut until soft. To same skillet add olive oil and Brussels sprouts; bake in a 350F oven for 10 minutes until caramelized. Remove from oven and add chicken stock; over medium heat, stir well and heat through. Add pasta, bacon and pecans, mixing well. Sprinkle with Parmesan cheese before serving.
Have mortgage questions? Im here to help you!
Please feel free to contact me with any questions you may have. It would be a pleasure to assist you or any one of your friends or family members!
Stress Test Best Practices Tool Kit
With the new Office of the Superintendent of Financial Institutions stress test rules firmly in place since January, Canadian homebuyers have learned they need to arm themselves with practical information on how they can ensure they are stress-test ready.
The following is a guide and best practices tool kit for those about to embark on securing their new or next mortgage:
Make a financial plan
Any time a big purchase is at stake, laying out a financial plan is always the best first step to take. By creating a plan, home buyers can protect themselves from increased interest rates and ensure they are staying on budget.
Have a contingency fund
Without question and now more than ever, home buyers need to establish contingency funds. Its incredibly important to have funds set aside when unexpected costs such as property repairs arise. An established contingency fund also looks good to financial lenders.
Pay off debts and increase downpayment
The most important tool in the Best Practices Tool Kit is to pay off debts as quickly as possible and maximize your down payment. If you already have a mortgage, increase the frequency of payments by taking advantage of what the financial institution offers such as accelerated bi-weekly payments.
Broaden search parameters
Although you may have an ideal neighbourhood in mind, it is important to also consider broadening those search parameters. Often there are homes in other neighborhoods that could be a perfect choice if you are willing to commute a little longer.
Im here to help you
I can help you to navigate confusion surrounding the stress test. Ultimately, being stress test ready means being ready for future increases in rate so that you can afford your next home comfortably on your budget.
Preventing Falls on Stairs
Accessible housing refers to homes that are designed or modified to enable independent living for all residents, including seniors or persons with disabilities. Accessibility can be achieved through architectural design and also by integrating accessibility features, such as lowered light switches, grab bars, walk-in bathtubs, lowered shelves and cupboards, modified furniture or by installing electronic devices in the home.
Stairs in the home can be dangerous and can be a barrier to accessibility unless they are designed or modified to reduce the risk of falls. If residents have limited mobility, it may be necessary to install ramps, home elevators or stairlifts to make the home safe and accessible.
A high percentage of Canadians who visit hospitals after a fall on or from stairs or steps in their homes are seniors (men and women 65 years or older). When seniors fall, the consequences can be severe and long-lasting.
Most falls on stairs can be prevented. Prevention starts by keeping in mind that there are risks in using stairs. Good planning and simple strategies can help prevent falls and injuries.
Click here for more information https://www.cmhc-schl.gc.ca/odpub/pdf/63637.pdf?fr=1441901329905