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My Rates

6 Months 3.14%
1 Year 3.19%
2 Years 3.19%
3 Years 3.54%
4 Years 3.64%
5 Years 3.74%
7 Years 4.04%
10 Years 4.24%
6 Months Open 6.70%
1 Year Open 4.20%
*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

Student Challenge Winners Bring Innovative Ideas to Creating Affordable Rental Housing in Canada

With innovative and fresh approaches to create more affordable rental housing in the country, the Honourable Jean-Yves Duclos, Minister of Families, Children and Social Development and Minister Responsible for Canada Mortgage and Housing Corporation, announced the winners of the Innovation Fund Student Challenge. Three teams have been selected as winners earning the full award of $10,000: The Beaver York University Compact Homes: Innovative Solutions Solving the Affordability Challenge Queens University The Jetty: An Affordable Housing Cooperative Dalhousie University The Beaver York University Michael Kenny, Bria Hamilton, Allison Evans, Helen Lam, Jane Bae The Beaver Co-op is a proposed 12-story affordable rental apartment building that incorporates an innovative building technique and cost-saving measure through the use of mass timber construction in affordable housing, which is still relatively new to the sector. Passive design and green technology are incorporated to minimize waste and energy usage. The financial innovation stems from the multi-stakeholder community development approach that aims to generate financial support via community bonds, union pension funds, and credit unions. Compact Homes: Innovative Solutions Solving the Affordability Challenge Queens University Lindsay Allman, Andrew Eberhard, Gabrielle Snow, Peter Huan The Compact Homes project proposes an innovative Tiny Home Community that seeks to leverage existing programs and lands to produce single occupant, rent geared to income units, and can be constructed to meet stringent accessibility and environmental efficiency requirements. The Jetty: An Affordable Housing Cooperative Dalhousie University Juniper Littlefield, Mitch Gold, Lina El-Setouhy, Chloe Espiard The Jetty Affordable Housing project proposes a housing cooperative operated in partnership with local post-secondary institutions, targeting the student population with recycled shipping container apartments, as well as providing additional housing for seniors, singles and families. https://www.cmhc-schl.gc.ca/en/media-newsroom/news-releases/2018/student-challenge-winners-bring-innovative-ideas-creating-affordable-rental-housing-canada

Tips and tricks for a trouble-free Thanksgiving

(NC) From turkey prep to the table settings, Thanksgiving can be a big undertaking for even the most experienced entertainer. To the rescue is lifestyle expert Pay Chen, who shares her tips on making holiday entertaining a breeze. Create a schedule. With multiple dishes to prep and heat, its easy to lose track of time. Use a schedule to ensure that youre staying on track. Start at the meal itself and work backwards. And dont forget that you want to give the turkey time to rest and be carved, so have the cooked turkey out of the oven an hour before you want everyone to sit down and eat. Set the table early in the week. Time flies on the big day and setting the table can sometimes be an afterthought. But according to Chen, the table sets the ambiance for the evening. Since theres nothing time-sensitive about table setting, she suggests getting everything prepped and polished a few days in advance and letting it sit ready until guests arrive. Bonus? Youll spot any unforeseen stains in your linens with plenty of time to have them cleaned. Outsource dessert.The less time you spend in the kitchen, the more time you have to be with your family, says Chen. If youre strapped for time, dont be afraid to look for simple, pre-made solutions. Store-bought doesnt have to mean a compromise in quality. For example, theres a new collection of fresh-from-frozen treats from Chudleighs, an Ontario apple farm. Their scratch-made, single-serve Apple Blossoms can be reheated in the oven or microwave in minutes. Finish the plate with a small scoop of ice cream and enjoy some well-deserved rest at the end of the meal. Embrace the kids table. Thanksgiving is about bringing family together, but it doesnt have to be about wrangling squirming kids into place for a long meal. A kids table is a welcome way to keep little ones entertained throughout dinner. Cover the surface of a small table with kraft paper and set out crayons for kids to draw or play tic-tac-toe, says Chen. The best part? Clean-up is a cinch. Prep for leftovers. Many people consider leftovers the best part of the meal, but not if youre not prepared for them. Chen suggests cleaning out your fridge a few days before to free up space. And dont be afraid to share the wealth. Pick up a cheap and cheerful set of Tupperware that you can use to send leftovers home with your guests. A parting gift of turkey and mashed potatoes? Thats something everyone will be thankful for. Find more information online at chudleighs.com. http://www.newscanada.com/en/Tips-and-tricks-for-a-trouble-free-Thanksgiving-92950

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