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AGENT LICENSE ID
M18002194
Melodie Krawchuk Mortgage Broker

Melodie Krawchuk

Mortgage Broker


Phone:
Address:
100-1721 10 Ave SW, Calgary, Alberta

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As your mortgage brokers, our role is to represent you in the mortgage market and help you navigate the process of financing your property purchase.

 

There’s a twofold advantage in working with Canada Mortgage Direct: we can obtain wholesale mortgage rates and offer you personalized service at the same time.

 

The key word in working with our mortgage professionals? Professional! We will get your mortgage approved in a quick and efficient fashion, which will eliminate hassle and paperwork for you. And after possession, all of our valued clients are added to our proactive mortgage management system where we help to provide additional savings.

 

We represent you, not the lender.

 

There are many reasons you may be looking for guidance in the mortgage market, and we work with all kinds of people in all situations. Are you a first-time homebuyer, experienced purchasers, new to Canada, relocating or purchasing recreation or investment property? We will provide you with the financial expertise and assistance to help you add to (or start) your real estate portfolio.

 

Our brokers can also assist you in refinancing your existing home (for debt consolidation or renovations), or to tap into equity from your home for credit help.

 

We specialize in assisting those clients who are self-employed in realizing their homeownership dreams. Entrepreneurs and business owners take comfort in knowing our products are designed exclusively for self-employed people who don’t show verifiable income to qualify for mortgages.

 

attain Mortgage

More than just Mortgages. We can help you build your future.

BLOG / NEWS Updates

Virtual Tours and Live Streams a Hit on REALTOR.ca

While staying home to help stop the spread of COVID-19, Canadians are spending more time looking at properties on REALTOR.ca, Canadas No. 1 real estate platform*. During the week of March 9, visits to REALTOR.ca dropped by 30%; however, since April 12 traffic has crept back up by 14% and consumer inquiries to REALTORS through the site rose by 25%similar to levels during the same period last year. Despite the pandemic, REALTOR.ca has seen a 14% increase of visitors during the first quarter of 2020. As COVID-19 is limiting how buyers can visit homes that interest them, REALTOR.ca makes it possible for Canadian REALTORS to virtually showcase listings by integrating video and 3D tours from 10 of the most popular services. Since April 7, REALTORS can also schedule and promote live stream open houses using popular platforms such as Facebook Live, Instagram Live, Zoom and YouTube. If theres one thing 30-plus years in this business has taught me, its that as an industry we are early adopters of technology, said Costa Poulopoulos, Chair of the Canadian Real Estate Association. With restrictions on how we can continue to serve our clients, Im proud that weve been able to add features for REALTORS that allow them to continue to show homes to interested buyers.

Canada's Manufacturing heavily impacted in March

Manufacturing shipments fell 9.2% in March after climbing 0.4% the prior month. This result was more than double the drop expected by consensus (-4.5%). Lower sales were registered in 17 of the 21 industries surveyed, including transportation (-26.5%), petroleum and coal products (-32.2%), and plastics/rubber products (-10.9%). Alternatively, shipments increased for food manufacturing (+8.2%) and paper manufacturing (+8.4%). With the price effect removed, total factory sales decreased 8.3% m/m, while inventories grew 0.8%. As a result, the real inventory-to-sales ratio rose from 1.56 to 1.72, a bad sign for future production. Manufacturing sales came in much worse than expected in March, matching their largest one-month decline on record (December 2008). Sales retraced all the way back to their level in June 2016. It should come as no surprise that disruptions from COVID-19 were the chief cause of the decline. Indeed, 78.3% of manufacturing businesses reported being impacted by the pandemic. Transportation saw a significant decline owing to plant closures, while refineries lowered production as demand and prices waned. Not everyone experienced an adverse shock, as evidenced by marked increases for food (groceries) and paper manufacturing (toilet paper) in the month. This will likely be transitory, however, as households rushed to stock up in March. Eight of the ten provinces reported lower sales, with Ontario and Quebec posting the largest declines. All told, given that confinement measures had been in place for only two weeks in March, the April manufacturing picture can be expected to be even worse. Home sales fell 56.8% from March to April, to the lowest level recorded since the inception of seasonally adjusted data in 1988. The fall was generalized to all the 26 major markets tracked by CREA except Newfoundland and Labrador, where sales rose 13.6%. New listings also fell sharply (-55.7%) but active listings only 8.7%. Therefore, the active-listings-to-sales ratio (our preferred gauge of market conditions) skyrocketed from 4.3 months of inventory in March to 9.2 in April, the largest since the 2008-09 recession. Source: National Bank of Canada

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