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.
Canadian home sales activity improves in June
Statistics released today by The Canadian Real Estate Association (CREA) show national home sales were up from May to June 2018.
National home sales rose 4.1% from May to June.
Actual (not seasonally adjusted) activity was down 10.7% from June 2017.
The number of newly listed homes eased 1.8% from May to June.
The MLS Home Price Index (HPI) in June was up 0.9% year-over-year (y-o-y).
The national average sale price edged down 1.3% y-o-y in June.
National home sales via Canadian MLS Systems rose 4.1% in June 2018 compared to May. While this marks the first substantive month-over-month increase this year, sales remain well down from monthly levels recorded over the past five years.
More than 60% of all local housing markets reported increased sales activity in June compared to May, led by the Greater Toronto Area (GTA). By contrast, sales in British Columbia continue to moderate.
Actual (not seasonally adjusted) activity was down almost 11% compared to June 2017. Sales marked a five-year low and stood almost 7% below the 10-year average for the month of June. Activity came in below year-ago levels in about two-thirds of all local markets, led overwhelmingly by those in the Lower Mainland of British Columbia.
This years new stress-test on mortgage applicants has been weighing on homes sales activity; however, the increase in June suggests its impact may be starting to lift, said CREA President Barb Sukkau. The extent to which the stress-test continues to sideline home buyers varies by housing market and price range. All real estate is local, and REALTORS remain your best source for information about sales and listings where you live or might like to in the future, said Sukkau.
Bank of Canada raises overnight rate target to 1 ½ per cent
The Bank of Canada today increased its target for the overnight rate to 1 per cent.
The Bank Rate is correspondingly 1 per cent and the deposit rate is 1 per cent. The Bank expects the global economy to grow by about 3 per cent in 2018 and 3 per cent in 2019, in line with the April Monetary Policy Report (MPR). The US economy is proving stronger than expected, reinforcing market expectations of higher policy rates and pushing up the US dollar. This is contributing to financial stresses in some emerging market economies. Meanwhile, oil prices have risen. Yet, the Canadian dollar is lower, reflecting broad-based US dollar strength and concerns about trade actions. The possibility of more trade protectionism is the most important threat to global prospects.
Canadas economy continues to operate close to its capacity and the composition of growth is shifting. Temporary factors are causing volatility in quarterly growth rates: the Bank projects a pick-up to 2.8 per cent in the second quarter and a moderation to 1.5 per cent in the third. Household spending is being dampened by higher interest rates and tighter mortgage lending guidelines. Recent data suggest housing markets are beginning to stabilize following a weak start to 2018. Meanwhile, exports are being buoyed by strong global demand and higher commodity prices. Business investment is growing in response to solid demand growth and capacity pressures, although trade tensions are weighing on investment in some sectors. Overall, the Bank still expects average growth of close to 2 per cent over 2018-2020.