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Robert Mogensen

Robert Mogensen

Verico The Mortgage Advantage

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560 - 171 West Esplanade, North Vancouver, British Columbia

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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!

As your personal mortgage consultant, I’m an independent, unbiased, expert, here to help you move into a home that you will love.

I have access to mortgage products from a multitude of 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 your personal mortgage consultant who will help you get the right financing, from the right lender, at the right rate. 

Please call me today for your best mortgage solution and advice.   Phone: 604.802.8193

BLOG / NEWS Updates

Boomers: how will you finance your 'grey' divorce?

With the number of grey divorces on the rise in Canada, many Boomers may not realize the cost of maintaining two homes can increase expenses by as much as $20-$30,000 per year. This can have a serious impact on finances during retirement. In fact, according to Statistics Canada 2011 census data, divorce among Baby Boomers is becoming more common and the numbers are expected to steadily increase. Approximately 60,000 Canadian couples divorced in 2013 and 25% of these divorces were grey, occurring among couples aged 55 and older. Boomer couples are divorcing even though its not in their best financial interests to do so, notes Marion Korn, family law lawyer and co-author of the book When Harry Left Sally. The good news, however, is that most couples recognize that they should not be investing in a costly divorce and need to find another way. The age of people who are divorced or separated has been shifting upward, for both men and women, and the share has been especially increasing for individuals aged 50 and over. In 2011, about one in five people in their late fifties were divorced or separated (21.6% of women and 18.9% of men), the highest among the age groups. In comparison, in 1981, 6.9% of women and 6.2% of men in this age group were divorced or separated, according to Statistics Canada Marital Status Overview 2011. A large number are splitting amicably, explains Eva Sachs, Certified Divorce Financial Analyst and also the co-author of When Harry Left Sally. Grey divorce is different. Its a time where divorce and retirement come together. Divorce is a breakup of a family unit but its also the breakup of an economic unit, she adds. So, how can splitting Boomer couples face the big financial hit of maintaining two homes? Some opt for a reverse mortgage, which can allow one person to stay in the family home which is most often desired - while using equity to buy out their spouse. It is one solution we advise couples to consider, explains Ms. Sachs. If the house is fully paid, then a reverse mortgage can help address financial shortfalls. For an Alberta couple aged 73 and 58, the HomEquity Bank reverse mortgage allowed them to have funds for their divorce settlement. In fact, the number of mortgages HomEquity Bank arranges each month for couples going through grey divorce has been steadily increasing. How the CHIP reverse mortgage works: Visit www.chip.ca or call 1.877.503.2447 to determine the amount of money available, which is based on the homeowners age and the location and type of home as well as the homes current appraised value. Access money as a one-time lump sum, as monthly payments or both its tailored to individual needs. Up to 50% of the homes value can be accessed and the money is tax free. Unlike a traditional loan, no payments are necessary until its time to move or sell the home.

The turkey has been carved, pies have been devoured and belts loosened. But what can you do with all the turkey leftovers?

Here are some great ideas to ensure that no morsel goes to waste! Tastes like thanksgiving casserole - This hearty, rich-tasting main dish is sure to be a hit with your family. Its a delicious way to use up Thanksgiving turkey, and you can substitute 5-1/2 cups leftover mashed potatoes for the 6 potatoes. Mary Lou Timpson, Centennial Park, Arizona Turkey a la King with Rice - I like to make this dish with our leftover turkey. Its a nice change from casseroles and so simple. Serve over rice, noodles, biscuits or toast. Pat Lemke - Brandon, Wisconsin Next Day Turkey Primavera - I make this recipe often around the holidays. Its a wonderful way to use leftover turkey without feeling like its a repeat meal. I love pasta, and the creamy sauce in this primavera is so easy to make. Robyn Hardisty, Lakewood, California Turkey Fettuccine Skillet - I came up with this simple dish as a way to use leftover turkey after Thanksgiving and Christmas dinners. My children really enjoy it. Kari Johnston, Marwayne, Alberta To get more thanksgiving leftover recipes, check out the full article from http://www.tasteofhome.com Source: www.tasteofhome.com

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