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5 Years 3.14%
*Rates subject to change and OAC
AGENT LICENSE ID
10505
BROKERAGE LICENSE ID
10505
Ruth Falcon Mortgage Agent

Ruth Falcon

Mortgage Agent


Address:
7500 Martin Grove Road, Unit 7, 2nd Floor, Vaughan, Ontario

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Ruth Falcon

Mortgage Agent

ruth@thefinancialforum.ca

Cell: 289-980-9931/Off: 905-265-0246 ext. 32

 

With more than 15 years of experience in banking and the mortgage market, Ruth has the ability and tenacity to help you achieve one of your greatest goals: your dream home.

 

Whether in your first home purchase, debt consolidation or refinance, she will walk you through the many alternatives available and tailor make a mortgage loan to fit your particular needs, looking for your less interest payments.

Your home is one of the most important financial investments you will ever make!

In Spanish…En Español

 

Con más de 15 años de experiencia en banca y en el mercado hipotecario, Ruth tiene la capacidad y la tenacidad de ayudarlo a lograr uno de sus mayores objetivos: la casa de sus sueños.

Ya sea en la compra de su primera vivienda, consolidación de deudas o refinanciación, ella lo guiará a través de muchas alternativas disponibles y conseguirá el préstamo hipotecario que se ajuste a sus necesidades particulares, buscando que los pagos de intereses sean los más bajos.

¡Su hogar es una de las inversiones financieras más importantes de su vida!


BLOG / NEWS Updates

Building permits up in Western Canada, down east of Manitoba

Four provinces reported increases in March, led by British Columbia with an increase of 12.8% (+$180 million). Meanwhile, all provinces east of Manitoba reported declines. The largest decrease was in Ontario, down 1.4% (-$43 million) due to lower construction intentions in the residential sector. Quebec drives movement in non-residential permits. The national value of permits for non-residential buildings rose 7.9% in March, due to higher construction intentions for both institutional (+$175 million) and commercial (+$166 million) buildings. Gains in both of these components stemmed from Quebec. A high value permit for an addition to the Centre hospitalier de lUniversit de Montral drove the increase in the institutional component. In the industrial component, the value of permits declined 15.6% in March (-$102 million). The decrease was largely the result of lower construction intentions in Quebec, where multiple high-value permits were issued in February.

Canadian home sales edge higher in March 2019

Home sales via Canadian MLS Systems edged up 0.9% in March 2019 following a sharp drop in February, leaving activity near some of the lowest levels recorded in the last six years. There was an even split between the number of markets where sales rose from the previous month and those where they waned. Among Canadas larger cities, activity improved in Victoria, the Greater Toronto Area (GTA), Oakville-Milton and Ottawa, whereas it declined in Greater Vancouver, Edmonton, Regina, Saskatoon, London and St. Thomas, Sudbury and Quebec City. Actual (not seasonally adjusted) sales activity fell 4.6% y-o-y to the weakest level for the month since 2013. It was also almost 12% below the 10-year average for March. That said, in British Columbia, Alberta and Saskatchewan, sales were more than 20% below their 10-year average for the month. By contrast, activity is running well above-average in Quebec and New Brunswick. It will be some time before policy measures announced in the recent Federal Budget designed to help first-time homebuyers take effect, said Jason Stephen, CREAs President. In the meantime, many prospective homebuyers remain sidelined by the mortgage stress-test to varying degrees depending on where they are looking to buy. All real estate is local, and REALTORS remain your best source for information about sales and listings where you live or might like to in the future, added Stephen.

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