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My Rates

6 Months 5.95%
1 Year 1.84%
2 Years 1.54%
3 Years 1.54%
4 Years 1.79%
5 Years 2.04%
7 Years 2.84%
10 Years 2.79%
*Rates subject to change and OAC
AGENT LICENSE ID
501701
Terri Kettner Mortgage Broker

Terri Kettner

Mortgage Broker


Address:
Home Office, Grande Prairie, Alberta

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I'm your local mortgage broker in the North!  My official company address of the brokerage I'm signed up with is out of Burnaby but I live & work here in the Peace Region locally!  I'm licenced to provide mortgage services throughout the province of BC & AB so if you live in or near Dawson Creek, Grande Prairie or live in Edmonton or Vancouver I can assist you! Shop for a home with confidence, get preapproved first! 

 

One application, one credit check and I shop for the very best rates and terms available!  I have access to over 30 lenders and mortgage rates can change daily so get your application in and have the rate held from 90-120 days!

 

Whether you are buying your first home or making a move to your next home I'm here to assist you with your mortgage needs.  Fast pre-approvals, personal service, same day appointments or work with me remotely! Assisting clients in Dawson Creek, Fort St John, Chetwynd, Tumbler Ridge, Mackenzie, Prince George, Terrace, Kamloops, Grande Prairie, Edson, Beaverlodge, Whitecourt...... 

 

Do you need to refinance your home and use your equity? I have lenders offering amazing rates for refinancing, call me and let's chat!  OAC, terms & conditions may apply.

 

Sometimes life happens and you find yourself in a credit situation where you may have a high amount of debt or you owe CRA for back taxes.  We do have private lenders for those situations and depending on how much equity you have in your home this might be an option for you! Just call or email me for details.

 

If you already own a property and it's mortgage renewal time, make sure you give me a call before you sign the renewal from your current bank or lender. There is a good possibility that I can get you a better overall package when we consider term, rate, and early pay out penalties, my goal is to keep as much of your hard earned money in your pocket!  We even have lenders that will switch you for no cost.

 

Are you thinking of buying an investment property? I can help you with that as well!  We have lenders available that will mortgage more 'doors' than most big banks!

 

Mortgages, home equity/debt consolidation, refinancing, investment properties, new to Canada, mortgage plus improvements, private or 2nd mortgages - I'm here to help and answer any questions you may have!

 

Call me anytime 250-219-2323 or 780-518-7908 with any questions or to fill out an application over the phone.  In person meetings are by appointment only because I work from my home office or work with me remotely!

 

#dawsoncreekmortgagebroker #grandeprairiemortgagebroker #fortstjohnmortgagebroker #realestate #mortgage #interestrates

 


BLOG / NEWS Updates

How to tell between a real CRA call and a scam

(NC) Many of us have heard of scammers pretending to be from the Canada Revenue Agency. You may have even received a call or email yourself. But how do you know what you can trust? Avoiding this common scam is easier when you know what the agency will and wont do. The agency will never threaten you with immediate arrest or jail for a tax debt, and never uses text or instant messaging to communicate about taxes. It will never demand that you settle tax debt by buying gift cards or prepaid credit cards, or using cryptocurrency like Bitcoin, or offer to pay you a refund by e-transfer. Remain vigilant when you receive communication from someone claiming to be from the CRA, especially when asked for personal information such as a social insurance, credit card, bank account or passport number. If you are unsure that the person on the phone is a legitimate agency employee, ask for the agents phone number and badge number and call 1-800-959-8281 to validate the caller. If you receive a call demanding immediate payment, take time to think it over. If you believe it was legitimate, you can check the status of your account online. If you use online or telephone services, you can further protect yourself by keeping your access codes, user ID, passwords and PINs secret, and changing them frequently. Enabling email notifications for online CRA accounts will notify you by email of changes to them, warning you of potentially fraudulent activity. Finally, suspicious phone calls or messages can be reported to the Canadian Anti-Fraud Centre online or by telephone. If you think you have fallen victim to a scam, contact your local police. Find more information at canada.ca/taxes. www.newscanada.com

Home prices accelerate in February

In February the TeranetNational Bank National Composite House Price IndexTM was up 0.5% from the previous month, an acceleration from the January increase after three consecutive months of slowing. The advance was led by four of the 11 constituent markets: Halifax (2.3%), Hamilton (1.1%), Vancouver (0.8%) and Quebec City (0.7%). Rises of less than the countrywide average were reported for Montreal (0.5%), Victoria (0.4%), Calgary (0.4%) and Toronto (0.4%). The index for Winnipeg was flat on the month. Down from the month before were the indexes for Edmonton (0.1%) and Ottawa-Gatineau (0.5%). After three months, from September to November last fall, in which all 11 markets of the composite index were up from the month before, February was a third consecutive month in which one or more markets were down on the month. The February rise is consistent with the increase in the number of home sales over the last several months reported by the Canadian Real Estate Association. For a sixth straight month, the number of sale pairs entering into the 11 metropolitan indexes was higher than a year earlier. The unsmoothed composite index, seasonally adjusted, was up 1.1% in February, suggesting that the uptrend of the published (smoothed) index could persist. Source: National Bank

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