Sarah is new to the Mortgage industry and the My Better Mortgage Family. Sarah comes to us with a Diploma from Georgian College in Hotel Management. With more than 10+ years of Retail Management experience and 15+ years of Customer Service experience (customer experience certified). Sarah has a vast knowledge of how to exceed client expectations. Sarah has a proven track record of getting results in the most difficult of situations.
As a mom of 4 and wife of 10 years Sarah understands the importance of maintaining, growing and exceeding financial goals and freedoms. With having 4 children in 5 years Sarah knows the hardships of trying to maintain financial freedom while providing for her family. Sarah is passionate about supporting families and committing to helping them meet and exceed their financial goals whether it is: first time home buyers, refinancing or being Mortgage FREE sooner. Sarah is dedicated to helping meet your NEEDS.
For those of you who do not know me I am Sarah, a mortgage agent for My Better Mortgage. In 2007 I gained a diploma in Hotel Management where I went on to work in the retail and customer service industry for 10+ years and have retained a certification in customer excellence. Growing up with parents who were entrepreneurs I always felt a need to follow in there foot steps. So when Rachael presented me with the opportunity to work with her helping families and individuals, while growing my own business, I jumped at the opportunity. This was hands down one of the easiest life decisions I have made. Rachael gave us the opportunity to better my families financial future and help meet our long term goals. With my passion to help others and there families how could I say, NO! I am a mom of four young girls and I understand the importance of maintain, growing and exceeding your financial goals and gaining freedom. I had my four girls Payten 7, Abigail 6, Kylie 3 and Keaghan 3 in 5 years. The hardship of trying to maintain financial freedom while providing for our family was always a major stress point, as it is for most families. I understand what it is like to walk into a bank with not having the best credit score, as it is hard at times for young families to maintain PERFECT CREDIT and left feeling defeated. That feeling your goals are dreams out of your reach. My advice is to never give up. When I called Rachael I was already waiting for the NO on the other end of the phone. Like most after the 2nd NO you figure it must be true, this wont happen for me. So when I finally heard YES! it was emotional and surreal. I am committed to giving other this same opportunity to hear YES, the feeling that your dreams will finally become your reality.
I want to say THANK YOU to my wonderful Husband who for the past 12 years has supported any and all my career choices. When telling him that I wanted to JUMP into the world of Mortgages he smiled and said yes dear. He made sure every night after he had worked all day that I had a quite place to study (which is a difficult task in our household with 4 girls under the age of 7) and cheered me on after I passed every quiz. When I wrote the Mortgage Agent exam I came home feeling defeated, unsure that I had passed. He said to me you got this. His support has been unwavering and made this transition from Retail Manager/Stay at home Mom to Mortgage Agent easy. My Second THANK YOU goes out to my parents. Thank you always for your unconditional Love and being my voice of reason. As a young girl and now as a women I watch my parents do it all run a successful business for the past 30 years, maintain a house, be therapists, nurses, raise three kids, and help me raise my grandchildren, they are the true the definition of SUPER PARENTS/ GRANDPARENTS. With all these titles under their belt they still always finds the time to support my dreams and ambitions. For this I am eternally grateful. I can only hope one day I am the Entrepreneur, Wife, Friend, Parent and Grandparent you are and I do it with as much DETERMINATION, AMBITION, SELFLESNESS and GRACE (because we all know grace is not my strong suit) as you have. Last but not least, THANK YOU to the one and only RACHEAL BEEMER (principle broker of My Better Mortgage). I met Rachael last summer when I called her office needing some advice on MORTGAGES. My husband and I needed to move as our home was far to small for our growing family. At the time I was on a leave of absence from work and all the banks told me, I had to return to work! in order to be approved for a mortgage. I heard Rachaels ad on the radio and thought, what do I have to loose. After talking briefly with Rachael, she managed to ensure a TRUST with me that she had my families NEEDS covered and we were on our way to our GOALS! Rachael not only managed to get us into a mortgage that fit our lifestyle but was able to get us into our dream home without breaking the bank. When it came time for me to find a career that fit my lifestyle Rachael was there again to SUPPORT and INSURE my families financial future. Rachael has an amazing understanding for what MOMS need. She understands BALANCE; the need for moms to be with their children but contribute financially to their families. I am excited and happy to call Rachael my MENTOR and FRIEND. I look forward to our JOURNEY together and knowledge to come. I want to THANK YOU my future clients. Thank you for trusting me with your families, your dreams and your future. Thank you for making my families dreams possible.
Almost no annual growth for national HPI
The national HPI has grown at a below-inflation rate of 0.5% over the last 12 months, the smallest gain since November 2009. Moreover, the fact that monthly gains are reported for May and June does not mean that the market recently turned the corner. These two months typically register the strongest growth rates in a year. Indeed, the two latest rises were among the weakest in history for months of May and June. If seasonally adjusted, the national HPI would been down in both months this year. However, the weakness is not regionally broad-based. The national HPI was dragged down by 12-month home price declines in Western Canada metropolitan areas (Vancouver, Calgary, Edmonton and Winnipeg) and a tiny increase in Victoria. In Central Canada and in the East, home price growth ranges from decent to strong (left chart). This is consistent with the state of home resale markets. For example, the Vancouver market turned favorable to buyers at the end of last year, while the Toronto market remained balanced and Montreal’s market has never been this tight since 2005. That being said, a rebound in home sales recently occurred in Canada which was also felt in the largest Western metropolitan areas. This should help limit home-price deflation in these areas.
The Teranet–National Bank Composite National House Price Index increased 0.8% in June, a second gain in a row after an eight-month string without a rise.
On a monthly basis, the index rose in 8 of the 11 markets covered: Winnipeg (0.1%), Quebec City (0.3%), Montreal (0.8%), Toronto (1.3%), Halifax (1.5%), Hamilton (+1.6%), Victoria (+2.1%) and Ottawa-Gatineau (+2.2%). The index was down in Calgary (-0.1%) and Vancouver (-0.3%), and flat in Edmonton.
From June 2018 to June 2019, the Composite index rose 0.5%, the smallest 12-month gain in ten years. The HPI declined in Vancouver (-4.9%), Calgary (-3.8%), Edmonton (-2.6%) and Winnipeg (-0.4%). It was up in Victoria (0.3%), Quebec City (1.5%), Halifax (2.7%), Toronto (2.8%), Hamilton (4.8%), Montreal (5.4%) and Ottawa-Gatineau (6.3%).
Source: National Bank Financial Markets; Marc Pinsonneault
NORTHERN STAR (FOR NOW...)
In contrast to the US, Canadian growth is accelerating sharply going into the second quarter, following a solid gain in domestic demand to start the year.
Fast, and accelerating, population growth, and remarkably strong employment growth are providing a solid underpinning to consumer spending and the housing market.
Positive export data suggest that the ongoing strength in domestic demand will be buttressed by net exports in the second quarter, and possibly beyond.
Canadian inflation is at the Bank of Canadas target, in sharp contrast to the US, where it has moved away from the Feds objective. This gives the BoC room to keep rates on hold if inflation remains on target.
Downside risks remain important and are all linked to US-centric developments, with worries about US trade policy ongoing despite the pause with China.
Recent Canadian developments stand in sharp contrast to events in much of the rest of the world. Whereas US growth is clearly decelerating, Canadian growth is on an upswing, with recent indicators pointing to a very sharp rebound from a somewhat sluggish start to the year. Canadians appear to be, for the time being, largely insulated from the broader malaise facing the global economy as consumer and business confidence has improved sharply in recent quarters, owing to strong sales and job creation. While there are a number of factors suggesting that the growth rebound observed will persist through 2020, there is a risk that a divergence between Canadian and US outcomes may not last.
Source: Scotiabank Economics