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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

Canadian home sales rise again in May 2019

Home sales recorded via Canadian MLS Systems rose by 1.9% in May 2019. Together with monthly gains in March and April, activity in May reached the highest level since January 2018. While sales stood 8.9% above the six-year low reached in February 2019, this latest increase has only just returned levels to their historical average. While May sales were only up in half of all local markets, that list included almost all large markets, led by gains in both the Greater Vancouver (GVA) and Greater Toronto (GTA) areas. Actual (not seasonally adjusted) sales activity was up 6.7% compared to May 2018, marking the largest y-o-y gain recorded since the summer of 2016. The increase returned sales in line with the 10-year average for the month of May. While about two-thirds of local markets posted y-o-y gains for the month, the national increase was dominated by improving sales trends in the GTA, which accounted for close to half of the overall increase. Home price trends and market balance continues to differ significantly among Canadian housing markets, said Jason Stephen, CREAs President. All real estate is local. No matter where you are, a professional REALTOR is your best source for information and guidance in negotiations to purchase or sell a home during these changing times, said Stephen. The mortgage stress-test continues to present challenges for home buyers in housing markets where they have plenty of homes to choose from but are forced by the test to save up a bigger down payment, said Gregory Klump, CREAs Chief Economist. Hopefully the stress-test can be fine tuned to enable home buyers to qualify for mortgage financing sooner without causing prices to shoot up.

Ownership of Residential Property by Non-individuals

New data released today from the Canadian Housing Statistics Program provide information on ownership of residential properties by non-individuals in Nova Scotia, Ontario and British Columbia. The Canada Mortgage and Housing Corporation published a report using these new data,Residential Property in British Columbia, Ontario and Nova Scotia: An Overview of Non-individual Ownership, which also includes analysis of the ownership structure of vacant land across the three provinces. The data tables include information on non-individual entities, referring to firms and governments. For the purpose of this release, they are classified into the following categories: corporations, governments, and sole proprietorships and partnerships. Information on selected sectors in which those entities operate, following sector groupings from the North American Industry Classification System (NAICS), is also included in this release. Among firms and governments, corporations own the majority of residential properties Across the three provinces, corporations are the most common legal type of non-individual owners of residential properties, followed by governments. Corporations include businesses and non-profit organizations, while governments include federal, provincial, territorial and municipal governments. In terms ofNAICSsectors, entities belonging to the real estate and rental and leasing sector, the public administration sector and the construction sector are the most common non-individual owners of residential properties. In Ontario, three-quarters of non-individual owned properties are held by corporations, compared with68.9% in Nova Scotia and57.3% in British Columbia. The share of non-individual owned properties held by governments is highest in British Columbia (39.0%), followed by Nova Scotia (22.9%) and Ontario (20.1%). In Nova Scotia,28.8% of residential properties held by corporations are owned by the construction sector, compared with22.5% in Ontario and21.4% in British Columbia. Among the residential properties owned by corporations, the real estate and rental and leasing sector accounts for the largest share in Ontario (31.1%) and in British Columbia (23.4%), while in Nova Scotia it represents about one-quarter of the properties held by corporations. The average assessment value of a residential property owned by corporations is highest in British Columbia at $1.3million, compared with $630,000in Ontario and $330,000in Nova Scotia. In British Columbia, corporations account for84.7% of the total assessment value of non-individual owned properties, while in Ontario and Nova Scotia this share is closer to80%. Residential properties owned by governments represent around10% of the total assessment value of properties owned by non-individuals in each province.

MY LENDERS

TD Bank Scotia Bank Attain Mortgage First National MCAP B2B Bank
Home Trust Merix Equitable Bank Street Capital CMLS Fisgard Capital
ICICI Bank Optimum  RMG Mortgages Bridgewater Marathon Mortgages