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My Rates

6 Months 3.10%
1 Year 2.19%
2 Years 2.24%
3 Years 2.29%
4 Years 2.49%
5 Years 2.39%
7 Years 3.84%
10 Years 3.75%
6 Months Open 3.75%
1 Year Open 3.75%
*Rates subject to change and OAC
AGENT LICENSE ID
500565
BROKERAGE LICENSE ID
x026191
Tracy Head Mortgage Consultant

Tracy Head

Mortgage Consultant


Phone:
Address:
Head Office: 2183 240th Street, Langley, Okanagan, British Columbia

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Congratulations! You’ve decided to begin your search for a new home, or perhaps you’ve already found the home of your dreams and are ready to make an offer. It’s now time to consider your mortgage options. With so many different choices available, how do you choose the right mortgage?

 

As a mortgage professional, I want to help you find the product that best fits your needs. Whether purchasing a home, renovating your current home, helping your children, or purchasing an investment or vacation property - investing in real estate is a major decision. My goal is to help make your experience a positive one. In addition to arranging mortgage financing, I am able to help you with:

 

Mortgage Check-ups - to ensure your mortgage is working for you

Credit coaching - if you have had credit problems I can suggest ways to improve your credit

Renewal Watch - advise you when rates drop to the point that it will save you money to renew your mortgage early

Rate Watch - I can add you to my weekly email with updates on the best rates available

Options - I can explain the different scenarios that will assist you with saving for your children’s education, buying a vacation property or strategies for retirement

Education - The better prepared you are, the less stressful the process. Check out my blog: Tracy Head ~ My Mortgage Mentor (http://mortgagebrokerkelowna.wordpress.com/)

 

There’s absolutely no charge for my services on typical residential mortgage transactions. Like many other professional services, mortgage brokers are generally paid a finder’s fee when we introduce trustworthy, dependable customers to a financial institution.

 

Some of the benefits of working with me include:

 

  • Independent advice regarding your financial options
  • "One-Stop" shopping - I negotiate with multiple lenders on your behalf
  • Access to multiple lenders
  • Ongoing consultation and support

 

 

 

 

 

Because my work hours are flexible, we can work on your mortgage any time. I am available evenings and weekends, which means you don't have to book time off work to get a mortgage. I am happy to meet with you either by phone or in person (depending where you are), and am always just a call away to answer any questions you have. My service and support do not end once you have your mortgage - I am available to answer questions and help with follow up whenever you need me.

 

Choosing the right lender, and the mortgage that best suits your needs, is an important decision.  I want to help make the process a smooth one for you.  Let me help you achieve your dreams.

 

Email me today at tlhead.mtg@gmail.com for your free copy of my Beginner's Guide to Mortgage Financing, and check out my blog at www.mortgagebrokerkelowna.wordpress.com for lots of helpful information and advice!


BLOG / NEWS Updates

Canadian home sales activity strengthens in July

Statistics released today by The Canadian Real Estate Association (CREA) show national home sales were up from June to July 2018. Highlights: National home sales rose 1.9% from June to July. Actual (not seasonally adjusted) activity was down 1.3% from July 2017. The number of newly listed homes edged down 1.2% from June to July. The MLS Home Price Index (HPI) in July was up 2.1% year-over-year (y-o-y). The national average sale price edged up 1% y-o-y. National home sales via Canadian MLS Systems rose 1.9% in July 2018, building on increases in each of the two previous months but still running below levels recorded from mid-2013 to the end of last year. Led by the Greater Toronto Area (GTA), more than half of all local housing markets reported an increase sales activity from June to July. Actual (not seasonally adjusted) activity was down 1.3% y-o-y. The result reflects fewer sales in major urban centres in British Columbia and an offsetting improvement in activity in the GTA. This years new stress-test on mortgage applicants continues to weigh on home sales but its effect may be starting to fade slightly in Toronto and nearby markets, said CREA President Barb Sukkau. The degree to which the stress-test continues to sideline home buyers varies depending on location, housing type and price range. All real estate is local, and REALTORSremain your best source for information about sales and listings where you live or might like to in the future, said Sukkau. Improving national home sales activity in recent months obscures significant differences in regional trends for home sales and prices, said Gregory Klump, CREAs Chief Economist. Regardless, rising interest rates and this years stress test on mortgage applicants will likely prove to be difficult hurdles to overcome for many would-be first time and move-up homebuyers, heading into the second half of the year and beyond.

Hacks to slash your car expenses

(NC) When you consider the rising costs of gas and insurance, owning a vehicle can get pricey. Fortunately, these easy tips can help lower how much you spend on your car so theres more room in your budget for other expenses, like groceries and recreation. Increase your fuel economy. Did you know that a small spark plug problem can lead to a big expense? A dirty spark plug can cause a misfire, which wastes fuel and can ultimately harm your engine. To combat this, look for a spark plug thats designed for improved fuel economy, like the those from Fram. Try the Autolite Iridium XP Enhanced Alloy Technology line, which is precisely engineered with a focused ignition point for maximum power, efficiency and life. Get regular tune-ups. When a vehicle is properly tuned, all systems work in harmony, including the fuel, ignition, emission and computer systems. While it can be a hassle getting to regular appointments at your mechanic or dealer, remember that you are investing in the long-term performance of your car, saving you time and money. Regular engine tune-ups bring power and efficiency back to your car, ensuring that its reliable, safe and road-ready. Change your filters. There are many ways to keep your engine in good shape, helping it to last longer. One is checking the air filter every time you have the oil changed, because engine life and durability are directly related to keeping incoming air clean. Its an air filters job to remove contaminants from the air before it goes into the engine, and neglecting this component results in reduced performance. Fram extra guard filters provide premium engine protection and are proven to let in two times less dirt than the average leading standard retail brands. www.newscanada.com

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TD Bank Scotia Bank First National B2B Bank Home Trust
MCAP Merix Industrial Alliance Optimum Canadiana Financial
Equitable Bank ICICI Bank Fisgard Capital  RMG Mortgages Street Capital