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Corrina Warner  Mortgage Professional

Corrina Warner

Mortgage Professional


Phone:
Address:
200-1215 Henderson Hwy, Winnipeg, Manitoba

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I am proud to be a member of the VERICO One Link Mortgage and Financial team.  I have over 20 years experience in the banking and financial industry and have been working as a mortgage professional for VERICO One Link since 2007.  I am an Accredited Mortgage Professional (AMP), and a charter member of the Canadian Association of Accredited Mortgage Professionals (CAAMP).

My role as your Mortgage advisor is to find out what your mortgage goals and mortgage needs are and to provide you with sound financial advice and customer service by making recommendations, offering customized solutions and maintaining an ongoing relationship. I work for you, not the institution and value the opportunity to save you time and money.  I help my clients with property purchases, refinances, vacation homes, debt elimination and strategies to pay off your mortgage years earlier.

 

          My wife and I used Corrina to help us with a refinance on our home.  Not only did she find us an amazing rate, she was a joy to work  with throughout the entire process.  Glen D. Winnipeg, MB

 

        Corrina handled my mortgage refinance with ease, it was a pleasure to deal with her, and I'm looking forward to my next mortgage renewal with her.  Joe F. Winnipeg, MB

 

        Corrina has had an impact on our lives and will be forever grateful for the efforts put into obtaining our mortgage.  I would not hesitate to recommend Corrina to anyone.  James L. Edmonton, Ab

 

       The biggest benefit working with Corrina was her knowledge and her ability to get my mortgage approved.  She treats you like a person rather than just another means of getting paid.  She looks out for her clients best interest.  Gina A. Winnipeg, Mb

 

        To be honest had we not met Corrina I cannot think of what would have happened to our home.  I would suggest if you are buying a home, renewing your mortgage or have any questions that Corrina is the expert we all want in our lives.  Cheers Corrina!  Rob & Nadine G. Winnipeg, Mb

 


BLOG / NEWS Updates

Record December caps record year for Canadian home sales

Statistics released today by the Canadian Real Estate Association (CREA) show national home sales set another all-time record in December 2020. Home sales recorded over Canadian MLS Systems jumped by 7.2% between November and December to set another new all-time record. Seasonally adjusted activity was running at an annualized pace of 714,516 units in December 2020 the first time on record that monthly sales at seasonally adjusted annual rates have ever topped the 700,000 mark. The month-over-month increase in national sales activity from November to December was driven by gains of more than 20% in the Greater Toronto Area (GTA) and Greater Vancouver. Actual (not seasonally adjusted) sales activity posted a 47.2% y-o-y gain in December the largest year-over-year increase in monthly sales in 11 years. It was a new record for the month of December by a margin of more than 12,000 transactions. For the sixth straight month, sales activity was up in almost all Canadian housing markets compared to the same month in 2019. For 2020 as a whole, some 551,392 homes traded hands over Canadian MLS Systems a new annual record. This is an increase of 12.6% from 2019 and stood 2.3% above the previous record set back in 2016.

Mortgage Deferral Agreements and Their Impact

CMHCs Fall 2020 Residential Mortgage Industry Dashboard discusses mortgage deferral agreements and their impact. At the end of the second quarter, credit unions, mortgage finance companies (MFCs) and mortgage investment entities (MIEs) have allowed mortgage deferral agreements for about 6%, 7% and 7% of their respective residential mortgage portfolios. Chartered banks have allowed 16% of mortgages to go into deferral since the beginning of the pandemic. Of these, close to 2 out of 3 borrowers had resumed payments on their mortgages at the end of the third quarter of 2020. In the coming months, we could see higher delinquency rates if some borrowers are unable to resume their payments; these mortgages will have to be booked as arrears. These deferral agreements have affected financial institutions cash flows, with reductions of: 4% in scheduled mortgage payments 3% in non-scheduled payments (accelerated monthly payments and lump-sum payments) While remaining at low levels, mortgages in arrears (90 or more days delinquent) have increased slightly between the first and second quarters of 2020 from: 0.24% to 0.26%, on average, for chartered banks 0.23% to 0.25%, on average, for non-bank mortgage lenders We also observe an increase in early-stage delinquencies (31 to 59 days and 60 to 89 days), which suggests that arrears could continue on an upward trend. Source: CMHC

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