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Danielle Pendleton Mortgage Broker

Danielle Pendleton

Mortgage Broker


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303B 10171 Saskatchewan Drive, Edmonton, Alberta

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Getting a mortgage is more than buying or owning a property: it's an integral part of one's life and financial goals, so I believe that it's only right for my services to continue even after a mortgage funds. As a Licensed Mortgage Associate, I utilize my vast industry and academic knowledge to help our clients find the best possible mortgage product and/or financial service that aligns with their specific needs. I use my problem-solving skills to think outside of the box to find solutions that work for my clients. I am a strong believer in educating current and future homeowners about their mortgage options to encourage informed decisions, leading to stronger client comfort and satisfaction. Having an understanding of not only rates, but mortgage types, features, restrictions and penalties is key to achieving one's financial goals, which can be attained by structuring a plan together with steps and guidelines. I specialize in - but am not limited to dealing with First-Time Homebuyers (including Self-Employed, New to Canada, New Builds, etc.), Repeat Homebuyers (including Rentals and Investment Properties, Vacation and Second Homes, Self-Builds, etc.), Current Homeowners (including Renewals and Refinances involving Debt Consolidation, Separations, Equity Take-Outs, Infills, etc.) and Spousal Buyouts. I can offer 3 tiers of lending: Prime, Sub-Prime and Private, so have many options for even mortgages that may have been declined from others, including banks.

I am committed to providing clients a personal, and professional one on one customer experience, all while finding them the most competitive rates and services that are available in Edmonton and Calgary, as well as their surrounding area markets.


BLOG / NEWS Updates

The Contagion of Fear

Fears of a possible coronavirus pandemic are sweeping the world. Markets are jittery with little hard data to go on. With the first case now reported in Canada, many are recalling the 2003 SARS where Canada was one of the epicenters. Arguably the biggest (economic) lesson from that experience is that fear is the biggest risk to the outlook. The impact of the SARS pandemic on the Canadian economy is difficult to estimate, confounded as it was by the slowing US economy, the invasion of Iraq and other events, but the Bank of Canada estimated -0.6ppt hit to annualized growth in Q2-2003, or just over 0.1% on the level of GDP. While it is premature to predict the path of todays coronavirus outbreak, we estimate that a SARS-equivalent pandemic today could have a similar impact on the Canadian economy with an estimated hit of just over 0.1% on the level of GDP by mid-2020, at which point a pandemic should be contained. This estimate is subject to a significant degree of uncertainty with risks skewed to a potentially larger impact. The effect should not be significant enough to trigger a broader economic malaise, but could this finally push Governor Poloz over the line to proactively stimulate the economy in his next rate call? Source: https://www.scotiabank.com/content/dam/scotiabank/sub-brands/scotiabank-economics/english/documents/insights-views/2020-01-27_IV.pdf

LISTINGS FALL AGAIN TO END 2019, PUSHING PRICES HIGHER

Canadian Real Estate Association data show that national-level home sales fell 0.9% (sa m/m) in December 2019 after rising in the previous nine months. Limited availability looks to be increasingly weighing on sales activity. The month saw another broad-based decline in new listings18 of the 31 centres for which we have data witnessed fallsthat lifted the national sales-to-new listings ratio to 66.9%. It was the highest ratio since 2004 and a third straight month of supply- demand conditions tilted in favour of sellers (after data revisions). Fourteen cities reported sellers market conditions; the rest were balanced. The aggregate MLS Home Price Index (HPI) rose 3.4% (nsa y/y), its best gain since March 2018. Montreal remained Canadas tightest local market, with rising sales and falling listings leading to yet another record-high sales-to-new listings ratio and the citys steepest y/y MLS HPI gains since 2005. Ottawas ratio also reached a new high as new listings plunged by more than 20% (sa m/m), driving a record 12.5% (nsa y/y) MLS HPI increase. Toronto also crept into sellers market territory for the first time since March 2017as in Montreal, home purchases rose and new listings felland its 7.3% (nsa y/y) HPI rise was the sharpest since 2017. Click here for more. Source: Scotiabank Economics

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