Sarah is new to the Mortgage industry and the My Better Mortgage Family. Sarah comes to us with a Diploma from Georgian College in Hotel Management. With more than 10+ years of Retail Management experience and 15+ years of Customer Service experience (customer experience certified). Sarah has a vast knowledge of how to exceed client expectations. Sarah has a proven track record of getting results in the most difficult of situations.
As a mom of 4 and wife of 10 years Sarah understands the importance of maintaining, growing and exceeding financial goals and freedoms. With having 4 children in 5 years Sarah knows the hardships of trying to maintain financial freedom while providing for her family. Sarah is passionate about supporting families and committing to helping them meet and exceed their financial goals whether it is: first time home buyers, refinancing or being Mortgage FREE sooner. Sarah is dedicated to helping meet your NEEDS.
For those of you who do not know me I am Sarah, a mortgage agent for My Better Mortgage. In 2007 I gained a diploma in Hotel Management where I went on to work in the retail and customer service industry for 10+ years and have retained a certification in customer excellence. Growing up with parents who were entrepreneurs I always felt a need to follow in there foot steps. So when Rachael presented me with the opportunity to work with her helping families and individuals, while growing my own business, I jumped at the opportunity. This was hands down one of the easiest life decisions I have made. Rachael gave us the opportunity to better my families financial future and help meet our long term goals. With my passion to help others and there families how could I say, NO! I am a mom of four young girls and I understand the importance of maintain, growing and exceeding your financial goals and gaining freedom. I had my four girls Payten 7, Abigail 6, Kylie 3 and Keaghan 3 in 5 years. The hardship of trying to maintain financial freedom while providing for our family was always a major stress point, as it is for most families. I understand what it is like to walk into a bank with not having the best credit score, as it is hard at times for young families to maintain PERFECT CREDIT and left feeling defeated. That feeling your goals are dreams out of your reach. My advice is to never give up. When I called Rachael I was already waiting for the NO on the other end of the phone. Like most after the 2nd NO you figure it must be true, this wont happen for me. So when I finally heard YES! it was emotional and surreal. I am committed to giving other this same opportunity to hear YES, the feeling that your dreams will finally become your reality.
I want to say THANK YOU to my wonderful Husband who for the past 12 years has supported any and all my career choices. When telling him that I wanted to JUMP into the world of Mortgages he smiled and said yes dear. He made sure every night after he had worked all day that I had a quite place to study (which is a difficult task in our household with 4 girls under the age of 7) and cheered me on after I passed every quiz. When I wrote the Mortgage Agent exam I came home feeling defeated, unsure that I had passed. He said to me you got this. His support has been unwavering and made this transition from Retail Manager/Stay at home Mom to Mortgage Agent easy. My Second THANK YOU goes out to my parents. Thank you always for your unconditional Love and being my voice of reason. As a young girl and now as a women I watch my parents do it all run a successful business for the past 30 years, maintain a house, be therapists, nurses, raise three kids, and help me raise my grandchildren, they are the true the definition of SUPER PARENTS/ GRANDPARENTS. With all these titles under their belt they still always finds the time to support my dreams and ambitions. For this I am eternally grateful. I can only hope one day I am the Entrepreneur, Wife, Friend, Parent and Grandparent you are and I do it with as much DETERMINATION, AMBITION, SELFLESNESS and GRACE (because we all know grace is not my strong suit) as you have. Last but not least, THANK YOU to the one and only RACHEAL BEEMER (principle broker of My Better Mortgage). I met Rachael last summer when I called her office needing some advice on MORTGAGES. My husband and I needed to move as our home was far to small for our growing family. At the time I was on a leave of absence from work and all the banks told me, I had to return to work! in order to be approved for a mortgage. I heard Rachaels ad on the radio and thought, what do I have to loose. After talking briefly with Rachael, she managed to ensure a TRUST with me that she had my families NEEDS covered and we were on our way to our GOALS! Rachael not only managed to get us into a mortgage that fit our lifestyle but was able to get us into our dream home without breaking the bank. When it came time for me to find a career that fit my lifestyle Rachael was there again to SUPPORT and INSURE my families financial future. Rachael has an amazing understanding for what MOMS need. She understands BALANCE; the need for moms to be with their children but contribute financially to their families. I am excited and happy to call Rachael my MENTOR and FRIEND. I look forward to our JOURNEY together and knowledge to come. I want to THANK YOU my future clients. Thank you for trusting me with your families, your dreams and your future. Thank you for making my families dreams possible.
Toronto index stopped trending down in January
In January the TeranetNational Bank National Composite House Price IndexTM rose 0.3% from the previous month, a tic higher than the historical average for January and a second consecutive monthly increase. However, only four of the 11 metropolitan markets surveyed showed gains the first time since January 2016 that a rise in the Composite Index has had so little breadth. It was due mainly to a second straight monthly jump of the index for the important Vancouver market (1.2% in January on the heels of 1.3% in December). The Toronto index rose 0.2%, the Victoria index 1.0% and the Montreal index edged up 0.1%. All the other component indexes were down on the month: Hamilton (0.2%), Ottawa-Gatineau ( 0.2%), Edmonton (0.3%), Calgary (0.3%), Halifax (-1.0%), Winnipeg (1.1%) and Quebec City (2.0%). For Montreal, it was a 13th monthly increase, and for Hamilton it was a fifth decrease in a row. The rise of the Toronto index was the first in six months. The raw (unsmoothed) Toronto index  on which it is based was up for a third consecutive month. The firming of the smoothed index is due entirely to condo dwellings. The smoothed index for non-condo units fell in January for a sixth straight month, bringing its cumulative decline to 9.6%.
Click here for full release. https://housepriceindex.ca/2018/02/toronto-index-stopped-trending-down-in-january/
2018 CMHC Prospective Home Buyers Survey
In October 2017, CMHC surveyed 2,507 prospective home buyers on-line. Respondents were all prime household decision-makers who intend to purchase a new home within the next two years, including approximately 1,500 First-Time Buyers, 500 current owners, and 500 previous owners.
The survey results highlight that:
First-Time Buyers and Previous Owners share the same top motivator to purchase a home: they want to stop renting. Improved accessibility (physical obstacles and barriers) and investment opportunity were also noted as top motivators across all groups. Changes to mortgage regulations and concerns about possible future interest rate increases were not among the top motivators.
Over four-in-ten First-Time Buyers and Previous Owners say they would delay their home purchase if they were not able to find their ideal home, with a fairly similar proportion saying they would be willing to compromise on the size of the home and location.
The majority of future home buyers intend to obtain a mortgage to finance their home purchase, with First-Time Buyers showing higher incidence compared to Previous Owners and Current Owners.
Across all future home buyers groups, more than six-in-ten say they are likely to have a financial buffer in case their expenses change in the future. Furthermore, the majority of future home buyers, especially Current Owners, agree that they feel confident they have the necessary tools and information to manage their mortgage and debt load.
Among all groups, the two most common actions completed one to two years prior to the purchase of a home were saving for a down payment and determining what type of home to buy. On the other hand, in the last three months before purchasing, about two-in ten of prospective buyers pre-qualify for a mortgage.
About one-in-four prospective home buyers stated that they would be very likely to consider delaying their purchase in the event of an increase in interest rates.