tag:blogger.com,1999:blog-39731137951416084952024-03-13T22:13:10.504-07:00Dave Cooke - Alberta Mortgage MattersDave Cookehttp://www.blogger.com/profile/12893710042681828799noreply@blogger.comBlogger236125tag:blogger.com,1999:blog-3973113795141608495.post-39389198707379287642022-03-25T14:11:00.000-07:002022-03-25T14:11:33.302-07:00March 2022 - Canadian Housing Prices hit new Highs <!--AddThis Button BEGIN-->
<div><a class="addthis_button" expr:addthis:title="data:post.title" expr:addthis:url="data:post.url"> If you have been reading or watching the news lately, you know that
housing prices have gone up considerably over the past 2 years. While
they have gone sky high in Toronto and Vancouver, even more affordable
markets like Calgary and Edmonton have seen large price increases. After
the initial lock down in Spring 2020, people realized that their homes
were too small, that they didn’t have a home office and needed one or
wished they had a hot tub or some other nice amenity after being forced
to stay home for so long.</a>
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<div class="wp-caption alignleft" id="attachment_41617" style="width: 310px;"><img alt="" aria-describedby="caption-attachment-41617" class="size-medium wp-image-41617" height="225" loading="lazy" sizes="(max-width: 300px) 100vw, 300px" src="https://davidcooke.ca/wp-content/uploads/2022/03/Calgary-Rising-House-Prices-300x225.jpg" srcset="https://davidcooke.ca/wp-content/uploads/2022/03/Calgary-Rising-House-Prices-300x225.jpg 300w, https://davidcooke.ca/wp-content/uploads/2022/03/Calgary-Rising-House-Prices.jpg 750w" width="300" /><p class="wp-caption-text" id="caption-attachment-41617">Calgary Real Estate</p></div>
<p>As a result, all the people who lived in condos with common hallways
wanted to have a small home with their own exit. They didn’t want to
share an elevator. As a result, starter homes stared selling like hot
cakes. As sales in this price range went on , housing prices started to
rise. I knew that eventually all the starter home owners would realize
this and sell their homes and move up to larger properties. In 2021
that’s exactly what happened. In Calgary, people living in basement
suites started buying up condos as starter homes became too expensive.</p>
<p>Now in 2022, we are seeing a seller’s market like we have not seen
since 2007. Sellers are getting multiple offers . I recently heard of a
home being sold for $100,000 above the asking price. Why is this
happening.? One reason is that real estate investors are selling their
properties in Toronto for $1.5 million and buying in the Calgary market
to get more bang for their buck. In Calgary you can buy a nice home for
$600,000. For an investor , they can take their $1.5M and buy 2 revenue
properties here, making more monthly income and pocket $300,000 as well.</p>
<p>What can the average Alberta home buyer do? Unless you want to
compete against investors with deep pockets, there are a few things you
can do.</p>
<p>The easiest thing to do is stay where you are. If you want a bigger
house, or one with a furnished basement why not do this to your own
home? As property values have gone up you may have enough equity in
your home to pull money out for the improvements you want to make..</p>
<p><strong>Refinance Plus Improvements</strong> – this is a regular
first mortgage. You pay out the old mortgage and pull more equity out by
refinancing at a higher amount. You can get up to $40,000 for home
improvements. Get an estimate for the renovations and it is submitted
to the lender. If the renos are less than $15,000 a cheque is issued
when you finish the project. Over $15,000 , an inspector comes to check
out the project and then the lender issues a cheque.</p>
<p><strong>A- Lenders</strong> – Lenders who will lend on the estimated
value after renovations have been done. There is no cap on these
lenders but the interest rate will be higher.</p>
<p><strong>Government Grants </strong> There are some programs that
will pay for a portion of certain renovations that will make your house
more energy efficient and increase it’s value. At this time,</p>
<p>there are grants for the installation of solar panels and energy
efficient windows. While you will have to pay a portion of these home
improvements out of pocket, the grants do pay a significant part and the
energy savings will pay off the investment over time.</p>
<p>If you want to know more about how to make your home a nicer place to
live, contact me at 403-836-1201 or at http://davidcooke.ca</p>
<p><em>David Cooke has been a mortgage broker in Calgary since 2005. </em></p>
<!--AddThis Button END-->Dave Cookehttp://www.blogger.com/profile/12893710042681828799noreply@blogger.com0tag:blogger.com,1999:blog-3973113795141608495.post-15140170184790749202021-05-20T10:06:00.000-07:002021-05-20T10:06:31.563-07:00March 15, 2020- Canada entered a lock down to prevent the spread of
Covid-19. Many people were forced to stay home day after day with only
essential workers going to work every day. People worked from home
while home schooling their children. People who lived in apartments and
condo apartments got tired of looking out one window. Homeowners
realized that they needed more space to work from home or for their
children to home school.<p></p><div class="separator" style="clear: both; text-align: center;"><a href="https://1.bp.blogspot.com/-Ub12d5GODZw/YKaSRFrllZI/AAAAAAAA4k4/b46mxuS41Y4KfR4zWxzuckPKZ7zFYDWhQCLcBGAsYHQ/s1160/types-of-homes-hero.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" data-original-height="500" data-original-width="1160" src="https://1.bp.blogspot.com/-Ub12d5GODZw/YKaSRFrllZI/AAAAAAAA4k4/b46mxuS41Y4KfR4zWxzuckPKZ7zFYDWhQCLcBGAsYHQ/s320/types-of-homes-hero.jpg" width="320" /></a></div> The result of this event was that as
soon as people could get out in June, they started looking for larger
homes. Home sales in Calgary, Alberta went up 550% year over year. Those
who couldn't move started doing home renovations, finishing their
basements and building home offices in the backyard or in the garage.
This has resulted in the price of lumber sky-rocketing to never before
seen rates. In addition interest rates dropped for mortgages. For a
while you could get a 5 year fixed rate mortgage for 1.59%, an unbelievably low rate for a half decade of security. Rates jumped in
March but they have come down a bit since then. However, I have one
lender who has kept rates low the whole time. They are offering 1.74%
for 5 years. Imagine how quickly you can pay down your mortgage at that
rate!<p></p><div style="margin-left: 40px;"> If you are living in Alberta , contact me for this great
rate. For people in British Columbia and Ontario I have a variable rate
mortgage which is at 1.40% right now for 5 years. Visit my website at <a href="http://davidcooke.ca">http://davidcooke.ca</a> or call me at 403-836-1201 for more info. <br /></div><div style="margin-left: 40px; text-align: left;">
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<!--AddThis Button END-->Dave Cookehttp://www.blogger.com/profile/12893710042681828799noreply@blogger.com0tag:blogger.com,1999:blog-3973113795141608495.post-76289085997179491582020-09-08T13:31:00.003-07:002020-09-08T13:31:59.066-07:00Great New Mortgage Products for Calgary Home Buyers <!--[if !mso]>
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<p class="MsoNormal">Great New Mortgage Products</p>
<p class="MsoNormal"> </p>
<p class="MsoNormal"><span style="mso-spacerun: yes;"> </span>2020 has been a
challenging year for us all. Housing sales were going well pre-pandemic with modest
price increases in many areas of the country. March arrived and the start of
the spring housing market with people feeling optimistic until the country shut
down March 15<sup>th</sup>. </p>
<p class="MsoNormal"><span style="mso-spacerun: yes;"> </span>Housing prognosticators
predicted that housing would drop and take a couple of years to recover. While
sales did drop by over 50% in April, no one expected house sales or prices to
increase so quickly. In July CREA (Canadian Real Estate Association) announced
that housing sales had increased by 26% up by 14% over last year. Prices in
some areas increased by up to 10%. </p>
<div class="separator" style="clear: both; margin-left: 40px; text-align: center;"><img border="0" data-original-height="640" data-original-width="640" height="320" src="https://1.bp.blogspot.com/-8DnXhABKPKo/X1fpjjGl7tI/AAAAAAAAvC0/ShbCE5UNE2o4xRIES3NDLFMixXydFIo1ACLcBGAsYHQ/s320/10549863_683665641716975_886230301_n.jpg" /></div><br /><p class="MsoNormal"><span style="mso-spacerun: yes;"> </span><span style="mso-spacerun: yes;"></span>"What
a difference three months makes, from some of the lowest housing numbers ever
back in April to the multiple monthly records logged in July," CREA's
chief economist Shaun Cathcart said of the numbers.</p>
<p class="MsoNormal"><span style="mso-spacerun: yes;"> </span>While we were in
the doldrums of April and May, mortgage lenders were hard at work trying to
find ways to make it easier for borrowers and to encourage them to get back
into the housing market when the lockdown was over. </p>
<p class="MsoNormal"><span style="mso-spacerun: yes;"> </span>As a result,
several new mortgage products were introduced. </p>
<p class="MsoNormal"> </p>
<p class="MsoNormal">CASH BACK -<span style="mso-spacerun: yes;"> </span>Cash back
mortgages have been around for many years . The idea is that after you have put
down your savings as a down payment , many people are cash poor and can’t
afford to buy window coverings, build fences or do things to improved their
properties. They have to wait for their cash flow to build up again. Cash back
offers a percentage of 1%- 3% back at the time of signing which can be used for
closing costs, or any of the items mentioned above,<span style="mso-spacerun: yes;"> </span>A new twist on this was that you could get a $2000
cash back without having to pay a higher interest rate. It should be noted that
if you sell your home before the 5 year term is up, you will have to pay back a
portion of the cash back. For instance, if you sell the home after 3 years, you
would have to pay back 2/5’s of the cash back for the 2 remaining years of the
term. </p>
<p class="MsoNormal"><span style="mso-spacerun: yes;"> </span>PRINCIPAL ONLY TERM –
Another interesting mortgage product that was introduced was the Interest Only
Mortgage. For the first 3 months , the lender will allow you to pay the principle
on the mortgage. As new mortgages are mostly interest payments this would save
the average buyer of a $300,000 home, about $700 a month or $2100 for the 3
months. Once again, there’s a couple of thousand to pay down debts, or pay for
window coverings</p>
<p class="MsoNormal"><span style="mso-spacerun: yes;"> </span>Finally, one lender
spotted the problem with Purchase Plus Improvement mortgages. People find the
perfect house but there isn’t a garage or perhaps the basement hasn’t been
developed. They want to do this so they get a Purchase Plus Improvements
mortgage which pays for the house with one cheque and then a second cheque is
issued when the improvements have been made. The only problem is that most
purchasers put all their money down on the down payment and don’t have anything
for a deposit on the building project. Large companies understand the PPI
program but small contractors can’t afford to carry the costs for a 4 week
project. Now we have Purchase Plus Improvements WITH a Cash Back. Now you can
plan to get the garage or basement done right away because you have the funds
for the deposit. </p>
<p class="MsoNormal">This is great news for home buyers to get the home of their
dreams. If you have any questions contact me at 403-836-1201</p>
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<!--AddThis Button END-->Dave Cookehttp://www.blogger.com/profile/12893710042681828799noreply@blogger.com0tag:blogger.com,1999:blog-3973113795141608495.post-88452972653809244042020-04-28T16:08:00.000-07:002020-04-28T16:09:01.369-07:00How to Safely Buy a Home in Calgary and Obtain Financing <!-- AddThis Button BEGIN -->
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<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 107%;"><span style="mso-spacerun: yes;"> </span>It may be hard to understand but there
are still people out there buying homes, renewing mortgages and refinancing
their homes to increase cash flow. How could they and why would they want to
mix with strangers in these uncertain times? </span></div>
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<span style="font-size: 12.0pt; line-height: 107%;"><span style="mso-spacerun: yes;"> </span>Well, until March 14<sup>th</sup> , most
places in North America were starting their busy spring housing market. People
had given notice in January and February that they were not going to renew
their leases and had made offers on new and existing homes. Many people were also
shopping for rates as their mortgages were coming up for renewal. Who knew that
the world was about to come crashing down on their heads. </span></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 107%;">The housing industry
had to make accommodations in order to help these people out.<span style="mso-spacerun: yes;"> </span>If you had an accepted offer on a house, how
could you obtain a mortgage without meeting a mortgage professional ? </span></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://1.bp.blogspot.com/-c1ebCP-uDuo/Xqi28o6PTRI/AAAAAAAAo38/H0YQ8CilGf8L04w8WtlQCuu3AV_qA41zgCEwYBhgL/s1600/pat-kane.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="439" data-original-width="780" height="180" src="https://1.bp.blogspot.com/-c1ebCP-uDuo/Xqi28o6PTRI/AAAAAAAAo38/H0YQ8CilGf8L04w8WtlQCuu3AV_qA41zgCEwYBhgL/s320/pat-kane.JPG" width="320" /></a></div>
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<br /></div>
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<span style="font-size: 12.0pt; line-height: 107%;">Fortunately we had the technology to help us out. Mortgage applications can be
taken online or over the telephone and have been for several years. The big
change has been signing a mortgage commitment. Lenders now allow us to have
mortgage documents signed using an electronic signature. </span></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 107%;"><span style="mso-spacerun: yes;"> </span>If you had not made it that far in the
house buying process, realtors have also made a number of changes to limit
contact. Obviously sellers are not happy with having strangers walking through
their homes and touching door knobs and other items. “RECA, the real estate
Council of Alberta is encouraging realtors to ask a series of health questions
before realtors arrange to show homes” says Julie Pinault of Royal Lepage
Solutions in Calgary. “Think of a property as a museum and don’t touch
anything” she adds.</span></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 107%;"><span style="mso-spacerun: yes;"> </span>“Open Houses have been cancelled for the
foreseeable future” says Rebecca Yarmoloy of ReMax First. Homes can be first
viewed using websites and if you are seriously interested in a property.”</span></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 107%;"><span style="mso-spacerun: yes;"> </span>Some realtors are going even further. Lionel
Sale from Frist Place Realty states that buyers meet the realtor at the
property. The sellers are encouraged to turn on all the lights and leave doors
and closets open so that no one will touch any surfaces that could spread the
virus. Some sellers are leaving disposable gloves by the front door. </span></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 107%;"><span style="mso-spacerun: yes;"> </span>If a home needs an appraisal, what can you
do? Appraisers need 45 minutes to examine a property from top to bottom in
order to establish a proper value for the home.<span style="mso-spacerun: yes;">
</span>Once again, adaptations have been needed. For bungalows, the appraiser
will go to the windows around the home and take photos. Other appraisers are <span style="mso-spacerun: yes;"> </span><span style="mso-spacerun: yes;"> </span>using 3<sup>rd</sup>
party technology to do their jobs. They will Facetime or WhatsApp the client
and have them walk around the house they way they normally would in order to do
a full inspections. This is called a Full Modified Appraisal. </span></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 107%;"><span style="mso-spacerun: yes;"> </span>Finally, we get to the end of the process
and you need to sign all the mortgage documents with the lawyer or notary. At
this time, “wet” signatures are still needed. E-signatures are not allowed
which poses a problem for social distancing. Another solution has been found.
The home buyers go to the lawyer and go into a room with a copy of the mortgage
documents. The lawyer sits in the next room using video conferencing or Zoom
and goes over his copy of the documents, telling the buyers where they need to
sign and explaining any parts of the contract they may not understand. When the
clients leave, the lawyer goes into the signing room and picks up the signed
copy to be registered at the title office. </span></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 107%;"><span style="mso-spacerun: yes;"> </span>From beginning to end in the home buying ,
refinancing and renewal process, it’s now possible to obey social distancing
rules and accomplish your home financing goals. </span></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 107%;">If you need
any further information please feel free to contact me. At 403-836-1201</span></div>
<div class="MsoNormal">
<i><span style="font-size: 12.0pt; line-height: 107%;">David
Cooke has been a mortgage broker since 2005 and presently works for Jencor
Mortgage Corp, situated in Calgary, Alberta </span></i></div>
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<!-- AddThis Button END -->Dave Cookehttp://www.blogger.com/profile/12893710042681828799noreply@blogger.com0Calgary, AB T3C 0J8, Canada51.0447632 -114.104093651.039771699999996 -114.1141786 51.0497547 -114.0940086tag:blogger.com,1999:blog-3973113795141608495.post-57301195171830825492020-02-26T14:38:00.000-08:002020-02-26T14:38:38.798-08:00How Events in China a helped lower Calgary mortgage Interest Rates
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<br /></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 107%;"><span style="mso-spacerun: yes;"> </span>Yesterday we received word that the
average 5 year mortgage rate in Calgary would be dropping from 2.69% to
2.59%.<span style="mso-spacerun: yes;"> </span>A week ago we heard from
financial analysts that rate were sure to go up in the near future. The reason
for this change is due to Coronovirus. Rumours of the spread to New York City.
These rumours have proven to be false but it was enough to spook investors who
moved their money out of the stock market and put it in long term government
bonds.</span></div>
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<span style="font-size: 12.0pt; line-height: 107%;">As a result
of this sudden flow of investors, the bond market is flush with cash and it’s
offering bond buyers less interest on their investment. As a result the bond
yield dropped . Our 5 year fixed rate mortgages are tied to the bond rate. If
the bond rate drops so does the mortgage rate. As a result, we are seeing lower
rates and this may continue into the spring. </span></div>
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<span style="font-size: 12.0pt; line-height: 107%;"><span style="mso-spacerun: yes;"> </span>With the blockades stopping trains across
Canada, our economic activity is dropping. This should encourage the Bank of
Canada to lower its overnight rate which affects variable rate mortgages.
Either fixed or variable, this spring is the perfect time to get into a home or
to purchase an investment property. Be sure to contact me before you speak to a
realtor to get a preapproval in place.<span style="mso-spacerun: yes;"> </span></span></div>
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<i><span style="font-size: 12.0pt; line-height: 107%;">Contact
David Cooke at </span></i><a href="http://davidcooke.ca/"><i><span style="font-size: 12.0pt; line-height: 107%;">http://davidcooke.ca</span></i></a><i><span style="font-size: 12.0pt; line-height: 107%;"> or at </span></i><a href="mailto:davidcooke@dominionlending.ca"><i><span style="font-size: 12.0pt; line-height: 107%;">davidcooke@dominionlending.ca</span></i></a><i><span style="font-size: 12.0pt; line-height: 107%;"> </span></i></div>
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" Priority="39" SemiHidden="true"
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<w:LsdException Locked="false" Priority="39" SemiHidden="true"
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<w:LsdException Locked="false" Priority="39" SemiHidden="true"
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<w:LsdException Locked="false" Priority="39" SemiHidden="true"
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<w:LsdException Locked="false" Priority="39" SemiHidden="true"
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<w:LsdException Locked="false" Priority="39" SemiHidden="true"
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<w:LsdException Locked="false" Priority="39" SemiHidden="true"
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<w:LsdException Locked="false" Priority="39" SemiHidden="true"
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<w:LsdException Locked="false" Priority="39" SemiHidden="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" Priority="35" SemiHidden="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" Priority="10" QFormat="true" Name="Title"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" Priority="1" SemiHidden="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" Priority="11" QFormat="true" Name="Subtitle"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" Priority="22" QFormat="true" Name="Strong"/>
<w:LsdException Locked="false" Priority="20" QFormat="true" Name="Emphasis"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" Priority="39" Name="Table Grid"/>
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<w:LsdException Locked="false" Priority="61" Name="Light List"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1"/>
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<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1"/>
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<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List"/>
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<w:LsdException Locked="false" Priority="72" Name="Colorful List"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 1"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 1"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 1"/>
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<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 1"/>
<w:LsdException Locked="false" SemiHidden="true" Name="Revision"/>
<w:LsdException Locked="false" Priority="34" QFormat="true"
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<w:LsdException Locked="false" Priority="29" QFormat="true" Name="Quote"/>
<w:LsdException Locked="false" Priority="30" QFormat="true"
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<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 1"/>
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<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 1"/>
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<w:LsdException Locked="false" Priority="61" Name="Light List Accent 2"/>
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<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 2"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 2"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 3"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 3"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 3"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 3"/>
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<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 4"/>
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<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 5"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 5"/>
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<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 5"/>
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<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 5"/>
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<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 5"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 5"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 6"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 6"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 6"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 6"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 6"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 6"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 6"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 6"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 6"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 6"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 6"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 6"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 6"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 6"/>
<w:LsdException Locked="false" Priority="19" QFormat="true"
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<w:LsdException Locked="false" Priority="21" QFormat="true"
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<w:LsdException Locked="false" Priority="31" QFormat="true"
Name="Subtle Reference"/>
<w:LsdException Locked="false" Priority="32" QFormat="true"
Name="Intense Reference"/>
<w:LsdException Locked="false" Priority="33" QFormat="true" Name="Book Title"/>
<w:LsdException Locked="false" Priority="37" SemiHidden="true"
UnhideWhenUsed="true" Name="Bibliography"/>
<w:LsdException Locked="false" Priority="39" SemiHidden="true"
UnhideWhenUsed="true" QFormat="true" Name="TOC Heading"/>
<w:LsdException Locked="false" Priority="41" Name="Plain Table 1"/>
<w:LsdException Locked="false" Priority="42" Name="Plain Table 2"/>
<w:LsdException Locked="false" Priority="43" Name="Plain Table 3"/>
<w:LsdException Locked="false" Priority="44" Name="Plain Table 4"/>
<w:LsdException Locked="false" Priority="45" Name="Plain Table 5"/>
<w:LsdException Locked="false" Priority="40" Name="Grid Table Light"/>
<w:LsdException Locked="false" Priority="46" Name="Grid Table 1 Light"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark"/>
<w:LsdException Locked="false" Priority="51" Name="Grid Table 6 Colorful"/>
<w:LsdException Locked="false" Priority="52" Name="Grid Table 7 Colorful"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 1"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 1"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 1"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 1"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 1"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 1"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 1"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 2"/>
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<!-- AddThis Button END -->Dave Cookehttp://www.blogger.com/profile/12893710042681828799noreply@blogger.com01822 10 Ave SW, Calgary, AB T3C 0J8, Canada51.0446687 -114.103149125.522634200000002 -155.4117431 76.5667032 -72.7945551tag:blogger.com,1999:blog-3973113795141608495.post-36645532448540745632019-08-27T14:26:00.000-07:002019-08-27T14:27:16.521-07:00Calgary Rent To Own Explained <!--[if !mso]>
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<span style="font-size: 12.0pt; line-height: 115%;">In some
markets like Calgary, Alberta , it can take a long time to sell a property. An option available to some
sellers is the Rent to Own sales method. </span></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 115%;"><span style="mso-spacerun: yes;"> </span>If you have someone interested in
purchasing your property but they can’t obtain a mortgage either because they
don’t have a down payment saved or their credit score is too low this can be
way to purchase a home. Usually the agreements run for 2 – 3 years. </span></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 115%;"><span style="mso-spacerun: yes;"> </span></span></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://1.bp.blogspot.com/-ovky8q9KssQ/XWWfrY8j_8I/AAAAAAAAdw4/6B3V4qOxQ0Ipk_9269Kv6ChpMgndlTz_wCLcBGAs/s1600/rent%2Bto%2Bown.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="170" data-original-width="297" src="https://1.bp.blogspot.com/-ovky8q9KssQ/XWWfrY8j_8I/AAAAAAAAdw4/6B3V4qOxQ0Ipk_9269Kv6ChpMgndlTz_wCLcBGAs/s1600/rent%2Bto%2Bown.jpg" /></a></div>
<span style="font-size: 12.0pt; line-height: 115%;"><span style="mso-spacerun: yes;"> </span>A sales agreement is signed which states what
the tenant and future owners are going to pay as rent while they save up a down
payment and /or improve their credit score. The agreement has to state how much
of their monthly payment is going towards the down payment.<span style="mso-spacerun: yes;"> </span>They also have to be paying market rents. In
addition, the agreement must state that if the deal is cancelled the purchasers
will get their down payment funds returned to them. </span><br />
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 115%;"><span style="mso-spacerun: yes;"> </span>The reason that this must be stated in the
agreement is that the mortgage insurers like Genworth and CMHC stipulate these
terms must be in the agreement before they will approve a mortgage. </span></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 115%;">What are the
pros and cons of this type of an agreement?<span style="mso-spacerun: yes;">
</span>The pros are that the tenants will maintain the property and not abuse
it as they want to purchase It. The seller gets steady income while the buyer
is saving for the purchase. The con is that as the price is determined in
advance – radical changes to the local housing market may mean that the
purchaser will get a great deal at the end of the agreement or walk away if the
market drops significantly.<span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 115%;"><span style="mso-spacerun: yes;"> </span>If you are considering this option, consult
with a Dominion Lending Centre mortgage professional before you sign an
agreement . They<span style="mso-spacerun: yes;"> </span>can determine if it
will be valid with the mortgage companies and insurers before you’ve spent a
cent. </span></div>
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<!-- AddThis Button END -->Dave Cookehttp://www.blogger.com/profile/12893710042681828799noreply@blogger.com11822 10 Ave SW #305, Calgary, AB T3C 0J8, Canada51.0446687 -114.103149125.522634200000002 -155.4117431 76.5667032 -72.7945551tag:blogger.com,1999:blog-3973113795141608495.post-31041320155748104072019-07-23T08:42:00.002-07:002019-07-23T08:42:30.310-07:00You Don't Need to Cry <!--[if !mso]>
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<br clear="ALL" style="mso-ignore: vglayout;" />
Several years ago I had a lady call me and ask me to get her out of her
mortgage.<span style="mso-spacerun: yes;"> </span>She had a fixed rate mortgage
with a home equity line of credit (HELOC) that grew as she paid down her
mortgage. I asked her how that was going as many people find they can pay down
their mortgages so much faster and they are very satisfied. Her response was
not at all happy. She was close to tears.<span style="mso-spacerun: yes;">
</span>As her mortgage balance went down and her HELOC increased she would go
out and spend more money, on vacations, furniture etc. The result was that
after 5 years she had owed just as much now as she did back then. On top of
that the person who put her in the mortgage never explained that there was a
monthly fee similar to a bank account fee. It wasn’t much but it peeved her
that she had not been informed.
<div class="MsoNormal">
<span style="mso-spacerun: yes;"> </span>My first question
was “ Did the bank rep ask you if you were a spender or a saver?</div>
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”no,” she said I’m more of a spender than a saver.”<span style="mso-spacerun: yes;"> </span>Now I understood her problem . She was meant
to have a regular fixed rate mortgage.<span style="mso-spacerun: yes;">
</span>My next question was “ are you paid every two weeks or monthly?<span style="mso-spacerun: yes;"> </span>I then showed her an amortization table with
monthly payments and bi-weekly side by side and showed her that she could shave
3 ½<span style="mso-spacerun: yes;"> </span>years off her 30 year amortization
by switching to bi-weekly payments. <span style="mso-spacerun: yes;"> </span>What
a relief she felt when I was able to put her in a regular mortgage. </div>
<div class="MsoNormal">
<span style="mso-spacerun: yes;"> </span>The morale of the
story – mortgage brokers ask lots of questions in order to avoid problems in
the future. Answer their questions true fully<span style="mso-spacerun: yes;">
</span>and you will be happy with the results. </div>
<div class="MsoNormal">
<i>for more information contact David Cooke - http://davidcooke.ca </i></div>
<div class="MsoNormal">
<i> </i> </div>
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<!-- AddThis Button END -->Dave Cookehttp://www.blogger.com/profile/12893710042681828799noreply@blogger.com0tag:blogger.com,1999:blog-3973113795141608495.post-22393566036910955992019-06-17T15:09:00.000-07:002019-06-17T15:09:10.052-07:0099 Year Mortgages and the Power of Amortization <div class="separator" style="clear: both; text-align: center;">
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Back in the late 80’s, the Japanese housing market came to a grinding
halt. Homes were no longer affordable for your average Japanese
consumer. The government came to the rescue with a novel idea: 99 year
mortgages. You could buy a house, pay lower more affordable payments,
your son or daughter would take over and pay the mortgage down and
finally your grandchild at some time close to retirement age would
finally pay off your mortgage.
Who would want to do this? This was a short term solution. In 2007,
we had 40-year amortized mortgages which allowed a great number of
people to buy homes who normally would have continued to rent. This
created a housing boom, but it made the banks nervous and terms were cut
back to 35 years, then 30 and finally back to where they were in 2005
at 25 years. While longer amortizations mean lower monthly payments, the
flip side is that you end up paying a lot more interest over time.<br />
Calgary mortgage professionals use amortization as a tool to help their
clients at various stages in their lives. Often we use the maximum 25
years to help people get into their first homes. The idea is to get them
into home ownership regardless of the cost. Later when they renew we
often suggest a shorter amortization if it’s possible.<br />
For example, after paying down a mortgage for 5 years, a couple with a
$300,000 mortgage renewing today would be offered a 20-year amortized
mortgage with monthly payments of $1659. In 5 years the couple will have
paid $40,356 in interest $59,214 in principal and have a balance of
$240,785 left on the mortgage.<br />
If the amortization was shortened to 17 years the payment would go up to
$1,874.95, an increase of $215.95. but at the end of 5 years they would
have paid $39,365 in interest, $73,131 in principal and have a balance
of $226,868.11. In addition, they would now only have 12 years instead
of 13 years on their mortgage.<br />
Now, if they are at a stage in life where their twins are going to be
going to university or if they need to build a granny suite for aging
parents, they may need to lower monthly payments in order to pay for
renovations. If they have 20% equity in their home, they could extend
their amortization to 30 or even 35 years with some lenders.<br />
Now their monthly payment drops to $1,260 with a 30 year amortization.<br />
And it drops to $1,149 with a 35 year amortization.<br />
Amortization is only one tool that yourCalgary mortgaeg broker can use to save you interest, help you to pay off
your mortgage quicker or to lower your mortgage payments. Be sure to
call and ask them for help.<br />
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<!-- AddThis Button END -->Dave Cookehttp://www.blogger.com/profile/12893710042681828799noreply@blogger.com01822 10 Ave SW #305, Calgary, AB T3C 0J8, Canada51.0446687 -114.103149125.522634200000002 -155.4117431 76.5667032 -72.7945551tag:blogger.com,1999:blog-3973113795141608495.post-52318901241418007382019-06-14T08:46:00.000-07:002019-06-14T08:47:23.890-07:00Brokers make a Difference <div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 115%;">While many
people will go to their bank to obtain a mortgage or line of credit they often
feel betrayed by their favourite bank if their application is rejected. One big
advantage that we have over banks is that we can send underwriter notes along
with the application. Our questions and speaking at length with the borrower
give us insight that the underwriter will never get from the facts and figures
on the application. </span></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 115%;"><span style="mso-spacerun: yes;"> </span>A while ago, I had an application at a lender
for a young man who wanted to buy his first home. </span></div>
<div class="MsoNormal">
</div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://1.bp.blogspot.com/-wl8bZPeVWRw/XQPAtbBOt9I/AAAAAAAAZXY/4-lPOaJhiZcI0JEwzEWUZ86Kl9iQ-LAHwCLcBGAs/s1600/broker.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="385" data-original-width="685" height="179" src="https://1.bp.blogspot.com/-wl8bZPeVWRw/XQPAtbBOt9I/AAAAAAAAZXY/4-lPOaJhiZcI0JEwzEWUZ86Kl9iQ-LAHwCLcBGAs/s320/broker.jpg" width="320" /></a><span style="font-size: 12.0pt; line-height: 115%;">He worked in the construction trades
and his income history was up and down over the past 3 years. He needed
overtime to support his application and the two year average wasn’t there. </span></div>
<br />
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 115%;">I went back
with 3 years of Notices of Assessments, his recent pay stubs and pleaded the
case for my client. The underwriter finally asked for an exception based on my
confidence in the client. She trusted my judgement and the mortgage was
approved. </span></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 115%;"><span style="mso-spacerun: yes;"> </span>This leads me to the idea that underwriter
notes are very important and can mean the difference between an approval and a
decline. If you have a chance, ask your underwriter how they like their notes;
in point form or in paragraphs . Do they prefer emails or phone calls? </span></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 115%;"><span style="mso-spacerun: yes;"> </span>When a successful mortgage broker writes
notes they start by stating what product they are asking for and giving their
contact information. I put my contact info at the top of the notes and at the
bottom so they don’t have to go searching for it if they have a question or
need clarification.<span style="mso-spacerun: yes;"> </span>I then state what my
client is trying to do; purchase their first home, refinance, a renewal or if
it’s’ a switch, that they want to benefit from lower interest rates. </span></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 115%;">I then list
the areas I want to highlight: Income, Credit, Property , Down payment and start
with it their weakest link first and explain their situation. I had a client
who had her down payment in a joint account with her father in Japan. I started
with that knowing that a paper trail would be important. If the credit score is
low, is it due to a past illness, divorce or job loss? I tell the underwriter
right away. As<span style="mso-spacerun: yes;"> </span>a result, underwriters
trust me and have given my clients a second look or asked for an exception.<span style="mso-spacerun: yes;"> </span>Finally, I finish up by summarizing the
strong points in the file and thanking them for their consideration of my
file.<span style="mso-spacerun: yes;"> </span></span></div>
<span style="font-family: "calibri" , "sans-serif"; font-size: 12.0pt; line-height: 115%;"><span style="mso-spacerun: yes;"> </span>I never yell or give my underwriters a
blast if they decline a file. I will , however, ask why the file was declined
so that I can better prepare my client for the disappointment and plan on how
we can remedy the situation.<span style="mso-spacerun: yes;"> </span>Just as a
FYI,<span style="mso-spacerun: yes;"> </span>a manager at a major bank told me
that at one bank he worked for after hitting the send key he received a simple
message back – either APPROVED or DECLINED with no explanation.<span style="mso-spacerun: yes;"> </span>Now who do you think mortgage clients should
deal with? A bank or a broker? </span><br />
<span style="font-family: "calibri" , "sans-serif"; font-size: 12.0pt; line-height: 115%;"><i> Contact David Cooke at http://davidcooke.ca </i> </span><!--[if !mso]>
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<!-- AddThis Button END -->Dave Cookehttp://www.blogger.com/profile/12893710042681828799noreply@blogger.com01822 10 Ave SW #305, Calgary, AB T3C 0J8, Canada51.0446687 -114.103149125.522634200000002 -155.4117431 76.5667032 -72.7945551tag:blogger.com,1999:blog-3973113795141608495.post-75807300643606202922019-04-01T10:25:00.002-07:002019-04-01T10:25:41.799-07:005 Reasons why you need a home inspection before buying in Calgary <div class="MsoNormal">
Several<span style="mso-spacerun: yes;"> </span>years ago I
had a client who wanted to buy a home before he moved to my city. He was in a
hurry as he had to get back home. He put very few conditions in his offer to
purchase but he did have a financing condition and an home inspection.<span style="mso-spacerun: yes;"> </span>A few days later he called me to say the
inspector found 10 things that showed him that this house was a former grow op.
If he had not had the inspection and found out after he had removed conditions
he could have been unable to get financing, home insurance and been stuck with
a hefty remediation bill. </div>
<div class="MsoNormal">
<span style="mso-spacerun: yes;"> </span>One thing I
always encourage my clients to do is get a home inspection. It’s $500 well
spent. </div>
<div class="MsoNormal">
You may not be buying a former grow op but there can be
costly repairs that you<span style="mso-spacerun: yes;"> </span>may have missed
while inspecting the home yourself. If you have watched even one home
renovation program you know that once the work starts they usually find a
surprise or two. </div>
<div class="MsoNormal">
<span style="mso-spacerun: yes;"> </span>Here’s a list of the
most common faults in homes</div>
<div class="MsoNormal">
<b style="mso-bidi-font-weight: normal;">Foundation Cracks </b>-
the biggest and a very costly item is a cracked foundation. While some cracks
in the basement floor are acceptable cracks in the foundation walls need to be
excavated and filled which is expensive. </div>
<div class="MsoNormal">
<br /></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://1.bp.blogspot.com/-Bopd9do2tYM/XKJJMV8ACzI/AAAAAAAAXKI/Wyzmcbpk8Lw6tWA6Bk_QUyb744ztqf-UwCLcBGAs/s1600/leaky-roof.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="520" data-original-width="800" height="208" src="https://1.bp.blogspot.com/-Bopd9do2tYM/XKJJMV8ACzI/AAAAAAAAXKI/Wyzmcbpk8Lw6tWA6Bk_QUyb744ztqf-UwCLcBGAs/s320/leaky-roof.jpg" width="320" /></a></div>
<div class="MsoNormal">
<b style="mso-bidi-font-weight: normal;">Roof Problems – </b>did
you go up on the roof and check the shingles , the pointing around the chimney,
etc? Probably not.<span style="mso-spacerun: yes;"> </span>Did you check the tresses
in the attic? This can be another big repair cost that could be difficult to
pay after purchasing a home. </div>
<div class="MsoNormal">
<b style="mso-bidi-font-weight: normal;">Loading Bearing Walls
Removed - </b><span style="mso-spacerun: yes;"> </span>1950’s homes converted to
open plan are popular but do you know if a support wall was removed and the
roof could end up in your new open concept living area? </div>
<div class="MsoNormal">
<b style="mso-bidi-font-weight: normal;">Encroachments – </b>are
any building, retaining wall ,fence or driveway that extends into a neighbour
‘s property or the City Right of Way. . It was 2 weeks after I moved into my
first home that I found out that my retaining wall behind my home was falling
into my backyard neighbours’ yard.<span style="mso-spacerun: yes;">
</span>Another unexpected repair that I had to handle.<span style="mso-spacerun: yes;"> </span></div>
<div class="MsoNormal">
<b style="mso-bidi-font-weight: normal;">Electrical or
Plumbing Issues – </b>while heritage <span style="mso-spacerun: yes;"> </span>homes close to the city centre have character,
they also have old wiring that uses fibre insulation. All you need is for a
mouse to chew on it and you could have a fire.<span style="mso-spacerun: yes;">
</span>Find out how much it will cost to re-wire your home and save yourself
headaches down the road. </div>
<div class="MsoNormal">
The same goes for plumbing . It’s old. There’s a chance it
could have a slow leak. </div>
<div class="MsoNormal">
<span style="mso-spacerun: yes;"> </span>As I said before,
it’s always wise to get a house inspection and include this in your offer to
purchase. The anguish that you can avoid by doing this is well worth the time
and expense. </div>
<div class="MsoNormal">
Checkout my website <a href="http://davidcooke.ca/" target="_blank">here. </a></div>
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<!-- AddThis Button END -->Dave Cookehttp://www.blogger.com/profile/12893710042681828799noreply@blogger.com1tag:blogger.com,1999:blog-3973113795141608495.post-44148817575830328412019-03-05T10:23:00.001-08:002019-03-05T10:23:23.851-08:00Brokers make a Difference <div class="MsoNormal">
<div class="separator" style="clear: both; text-align: center;">
<a href="https://3.bp.blogspot.com/-09jQEeUfxyQ/XH6-FN5UJeI/AAAAAAAAWdY/Q8BMMntTLpkYZ-PtVth4ZnjYqxtn8go9QCLcBGAs/s1600/approved.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="385" data-original-width="685" height="179" src="https://3.bp.blogspot.com/-09jQEeUfxyQ/XH6-FN5UJeI/AAAAAAAAWdY/Q8BMMntTLpkYZ-PtVth4ZnjYqxtn8go9QCLcBGAs/s320/approved.jpg" width="320" /></a></div>
<a href="https://www.blogger.com/blogger.g?blogID=3973113795141608495" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"></a><span style="font-size: 12.0pt; line-height: 115%;">While many
people will go to their bank to obtain a mortgage or line of credit they often
feel betrayed by their favourite bank if their application is rejected. One big
advantage that we have over banks is that we can send underwriter notes along
with the application. Our questions and speaking at length with the borrower
give us insight that the underwriter will never get from the facts and figures
on the application. </span></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 115%;"><span style="mso-spacerun: yes;"> </span>A while ago, I had an application at a lender
for a young man who wanted to buy his first home. </span></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 115%;">He worked in the construction trades
and his income history was up and down over the past 3 years. He needed
overtime to support his application and the two year average wasn’t there. </span></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 115%;">I went back
with 3 years of Notices of Assessments, his recent pay stubs and pleaded the
case for my client. The underwriter finally asked for an exception based on my
confidence in the client. She trusted my judgement and the mortgage was
approved. </span></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 115%;"><span style="mso-spacerun: yes;"> </span>This leads me to the idea that underwriter
notes are very important and can mean the difference between an approval and a
decline. If you have a chance, ask your underwriter how they like their notes;
in point form or in paragraphs . Do they prefer emails or phone calls? </span></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 115%;"><span style="mso-spacerun: yes;"> </span>When a successful mortgage broker writes
notes they start by stating what product they are asking for and giving their
contact information. I put my contact info at the top of the notes and at the
bottom so they don’t have to go searching for it if they have a question or
need clarification.<span style="mso-spacerun: yes;"> </span>I then state what my
client is trying to do; purchase their first home, refinance, a renewal or if
it’s’ a switch, that they want to benefit from lower interest rates. </span></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 115%;">I then list
the areas I want to highlight: Income, Credit, Property , Down payment and start
with it their weakest link first and explain their situation. I had a client
who had her down payment in a joint account with her father in Japan. I started
with that knowing that a paper trail would be important. If the credit score is
low, is it due to a past illness, divorce or job loss? I tell the underwriter
right away. As<span style="mso-spacerun: yes;"> </span>a result, underwriters
trust me and have given my clients a second look or asked for an exception.<span style="mso-spacerun: yes;"> </span>Finally, I finish up by summarizing the
strong points in the file and thanking them for their consideration of my
file.<span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 115%;"><span style="mso-spacerun: yes;"> </span>I never yell or give my underwriters a
blast if they decline a file. I will , however, ask why the file was declined
so that I can better prepare my client for the disappointment and plan on how
we can remedy the situation.<span style="mso-spacerun: yes;"> </span>Just as a
FYI,<span style="mso-spacerun: yes;"> </span>a manager at a major bank told me
that at one bank he worked for after hitting the send key he received a simple
message back – either APPROVED or DECLINED with no explanation.<span style="mso-spacerun: yes;"> </span>Now who do you think mortgage clients should
deal with? A bank or a broker?</span><br />
<span style="font-size: 12.0pt; line-height: 115%;"><i>for more information visit my website at http://davidcooke.ca </i> </span></div>
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<!-- AddThis Button END -->Dave Cookehttp://www.blogger.com/profile/12893710042681828799noreply@blogger.com01822 10 Ave SW #305, Calgary, AB T3C 0J8, Canada51.0446687 -114.103149125.522634200000002 -155.4117431 76.5667032 -72.7945551tag:blogger.com,1999:blog-3973113795141608495.post-91458733021083626742018-10-16T16:17:00.000-07:002018-10-16T16:17:05.253-07:00Legalized Marijuana and the Canadian Housing Market <div class="MsoNormal">
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<div class="MsoNormal">
<span style="mso-spacerun: yes;"> </span>October 17<sup>th</sup>
will be an<span style="mso-spacerun: yes;"> </span>important day in Canada’s
social history. It’s the day when we are going to have legalized marijauana
across the country. We will be the second major country in the world to do
this. How does this affect mortgage brokers like myself?<span style="mso-spacerun: yes;"> </span>When someone comes to me to obtain financing
for a home purchase and the sellers have disclosed that they smoked pot in the
house or grew a few plants , how will this affect their home purchase?<span style="mso-spacerun: yes;"> </span></div>
<div class="MsoNormal">
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<div class="separator" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em; text-align: center;">
<img border="0" data-original-height="194" data-original-width="259" src="https://4.bp.blogspot.com/-quZ6nZPOaVs/W8ZwiQhm5EI/AAAAAAAAT8k/wG_HHV3FQ-cNoTG315-n9IdhICyiVg-ygCLcBGAs/s1600/pot.jpg" /></div>
<span style="mso-spacerun: yes;"> </span><span style="mso-spacerun: yes;"></span><span style="mso-spacerun: yes;"> </span>A few years ago, someone disclosed that their
home had been a grow op 6 years previously and their home insurance company
cancelled their policy siting safety issues. I could see this happening with
both lenders and mortgage default insurers like CMHC, Genworth and Canada
Guaranty. A recent article by a member of the Canadian Real Estate Association
suggested that both lenders and insurers might ask for a complete home
inspection. It was suggested that sellers who have grown a few plants might want
to get a head of a problem and have an inspection before they list the
property. If there are any issues of mold or electrical systems that are not up
to code, they can remedy this and have a quick sale. </div>
<div class="MsoNormal">
<span style="mso-spacerun: yes;"> </span>I contacted both
CMHC and Genworth Canada to find out if any policy changes are in the works.
CMHC told me that there’s nothing planned beyond what is already on the books.
If there’s been a grow operation it needs to be inspected and remediation done
before they will insure. Genworth says that nothing has been announced as of
yet . Any changes will result in an official announcement to all brokers. </div>
<div class="MsoNormal">
<span style="mso-spacerun: yes;"> </span>Mortgage
brokers may want to call their realtor referral partners and discuss this with
them to see if local real estate authorities have any changes planned. If
nothing else it will be good to touch base with your realtors to find out how
the market is in your area. <span style="mso-spacerun: yes;"> </span></div>
<div class="MsoNormal">
<a href="https://www.blogger.com/blogger.g?blogID=3973113795141608495" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><span style="mso-spacerun: yes;"> </span>If you are
thinking about smoking<span style="mso-spacerun: yes;"> </span>pot in your home
or want to grow a few plants , contact your local Dominion Lending Centre mortgage
professional first to find out if this could affect your house value or sale in
the future. <i>for further information visit my<a href="https://www.facebook.com/davidcookecalgarymortgageman" target="_blank"> Facebook</a> page </i></div>
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<!-- AddThis Button END -->Dave Cookehttp://www.blogger.com/profile/12893710042681828799noreply@blogger.com0160 Quarry Park Blvd, Calgary, AB T2C 4J2, Canada50.96446 -114.0097999999999850.963835 -114.01106049999999 50.965085 -114.00853949999998tag:blogger.com,1999:blog-3973113795141608495.post-49996682850008033712018-05-31T17:06:00.002-07:002018-05-31T17:06:49.114-07:00When Double Dipping is Okay <div class="MsoNormal">
When double dipping is okay </div>
<div class="MsoNormal">
Perhaps you remember the Seinfeld episode where George
Costanza catches someone double dipping in the salsa. While this is considered
unsanitary and bad manners some forms of double dipping are okay. </div>
<div class="MsoNormal">
<a href="https://4.bp.blogspot.com/-lQdJ3aku03w/WxCNku3On0I/AAAAAAAAPas/ddZzZB3xKzMXxSwsFST6ewfgT37RwUkEQCLcBGAs/s1600/dip.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" data-original-height="240" data-original-width="480" height="160" src="https://4.bp.blogspot.com/-lQdJ3aku03w/WxCNku3On0I/AAAAAAAAPas/ddZzZB3xKzMXxSwsFST6ewfgT37RwUkEQCLcBGAs/s320/dip.jpg" width="320" /></a><span style="mso-spacerun: yes;"> </span><span style="mso-spacerun: yes;">Some</span>times 2 levels
of government want you to do something so they offer you an incentive. The idea
is that over time people’s behavior over time changes and it becomes the norm
to do this. </div>
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Several years ago when I was having my furnace cleaned and
serviced the service man told me that the firebox had rusted and fumes could
flow through my home. He turned the furnace off and told me that I needed a new
one. </div>
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<span style="mso-spacerun: yes;"> </span>At the time, the
local natural gas company was offering discounts of furnaces for people who
switched over to their company. The local electricity provider offered lower
rates to people who bought a heat pump and the federal government had a program
to encourage people to become more energy efficient. As<span style="mso-spacerun: yes;"> </span>a result I was able to triple dip – I got a
discounted more energy efficient furnace with air conditioning and a new lower
rate for electricity. </div>
<div class="MsoNormal">
<span style="mso-spacerun: yes;"> </span>That program is
gone now but there are others that you can benefit from. At this time Alberta
residents are being bombarded with ads and flyers from window companies. They
say that if you replace your windows now you can qualify for a $1500 rebate
through the provincial government. What they are not telling you is that you
can double dip. If you get an energy audit before the windows are replaced and
you apply to your mortgage default insurance company , whether it’s CMHC,
Genworth , or Canada Guaranty you may qualify for a 15% rebate on your premium
!<span style="mso-spacerun: yes;"> </span>On a $400,000 mortgage with 5% down
you pay $16,000 in fees. How nice would it be to get $2400 back? </div>
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<br /></div>
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<span style="mso-spacerun: yes;"> </span>The programs vary
from province to province and cover windows, hot water tanks, appliances. You
can check out what’s available here or ask your local mortgage broker for more
information. .<span style="mso-spacerun: yes;"> </span>Go ahead and double dip.Here's a link to help you find out what's available in your province. </div>
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<span style="mso-spacerun: yes;"> </span><a href="http://oee.nrcan.gc.ca/energy/products/energystar/why-buy/programs.cfm?attr=0" target="_blank">http://oee.nrcan.gc.ca/energy/products/energystar/why-buy/programs.cfm?attr=0</a></div>
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<a href="https://2.bp.blogspot.com/-amcHHIbZ_00/WvG7qFOdsTI/AAAAAAAAOwA/GTU7jMhB1q002LCULp-eD5Kkg8tqqb40QCEwYBhgL/s1600/money.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="405" data-original-width="660" height="196" src="https://2.bp.blogspot.com/-amcHHIbZ_00/WvG7qFOdsTI/AAAAAAAAOwA/GTU7jMhB1q002LCULp-eD5Kkg8tqqb40QCEwYBhgL/s320/money.jpg" width="320" /></a></div>
<br />
<br />
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<div class="MsoNormal">
<a href="https://www.blogger.com/goog_622328039" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><b style="mso-bidi-font-weight: normal;"><span style="font-size: 14.0pt; line-height: 115%;">It’s not all about the
rate: Amortization & Renewals</span></b><b style="mso-bidi-font-weight: normal;"><span style="font-size: 14.0pt; line-height: 115%;"></span></b></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 115%;">Have you
spoken to a mortgage broker lately? When it’s time to renew your mortgage you
have the freedom to do a number of things that are not possible at any other
time without a financial penalty.<span style="mso-spacerun: yes;"> </span>Renewal
time is an opportunity. </span></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 115%;">Have you
looked at your mortgage amortization lately?<span style="mso-spacerun: yes;">
</span>Let’s say that you started your present mortgage 10 years ago and you
had a 30 year amortization. You now have 20 years left on your mortgage but
your situation has changed. Your children have grown up and one is ready to
leave for college and another one will follow in a couple of years. An easy way
to help the kids out would be to refinance your home.<span style="mso-spacerun: yes;"> </span>However, the rules have changed and if the
value of your home has not risen a lot and you have not paid down the balance
you may not have the 20+% you need to withdraw the equity. </span></div>
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<span style="font-size: 12.0pt; line-height: 115%;"><span style="mso-spacerun: yes;"> </span>Another possible solution would be to use the
amortization on your mortgage to help you achiever your financial goals.<span style="mso-spacerun: yes;"> </span></span></div>
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<span style="font-size: 12.0pt; line-height: 115%;">You can
extend the amortization and lower your monthly payments thus freeing up cash
flow. </span></div>
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<br /></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 115%;">Here’s an
example. With a balance of $400,000 on your mortgage </span></div>
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<br /></div>
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<span style="font-size: 12.0pt;">Amortization </span></div>
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<span style="font-size: 12.0pt;">Interest Rate </span></div>
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<span style="font-size: 12.0pt;">Monthly Payment </span></div>
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<span style="font-size: 12.0pt;">Savings </span></div>
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<span style="font-size: 12.0pt;">20 years </span></div>
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<span style="font-size: 12.0pt;">3.19%</span></div>
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<span style="font-size: 12.0pt;">$2252.</span></div>
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<br /></div>
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<span style="font-size: 12.0pt;">25 years </span></div>
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<span style="font-size: 12.0pt;">$1932</span></div>
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<span style="font-size: 12.0pt;">$320</span></div>
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<span style="font-size: 12.0pt;">30 years </span></div>
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<span style="font-size: 12.0pt; line-height: 115%;">By adding 5
years to your mortgage you can lower your payments by $320 a month. If that’s
not enough and you have more than 20% equity , in other words, your mortgage is
less than 80% of the value of the home, you can extend your mortgage to 30
years with most lenders. This will free up $520 a month. When your children
graduate you or your mortgage broker can contact the lender and have your
amortization lowered again.<span style="mso-spacerun: yes;"> </span>Note that
changing the amortization can result in costs. Check with your Dominion Lending
Centres mortgage broker before you make any changes to your mortgage. <span style="mso-spacerun: yes;"><i>For more information visit www.davidcooke.ca </i></span></span></div>
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<a class="addthis_button" expr:addthis:title="data:post.title" expr:addthis:url="data:post.url" href="https://www.blogger.com/null"><img alt="Bookmark and Share" height="16" src="https://s7.addthis.com/static/btn/v2/lg-share-en.gif" style="border: 0px none; display: none !important;" width="125" /></a>
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<!-- AddThis Button END -->Dave Cookehttp://www.blogger.com/profile/12893710042681828799noreply@blogger.com0160 Quarry Park Blvd, Calgary, AB T2C 4J2, Canada50.96446 -114.0097999999999850.963835 -114.01106049999999 50.965085 -114.00853949999998tag:blogger.com,1999:blog-3973113795141608495.post-21002861652683292002018-05-07T13:36:00.000-07:002018-05-07T13:36:09.539-07:005 Ways you can Kill your Mortgage Approval <!--[if !mso]>
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<a href="https://www.blogger.com/blogger.g?rinli=1&pli=1&blogID=3973113795141608495" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a>So, you found your
dream home, negotiated a fair price which was accepted. You supplied all the
needed documentation to your mortgage broker and you are waiting for the day
that you go to the lawyer’s to sign the final paperwork and pick up the keys. <br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://2.bp.blogspot.com/-ao0_z9vo24U/WvC4RU-pK9I/AAAAAAAAOvc/gi0C2lmq3JcMTqwsoGMv7xyQEotWOcvIgCLcBGAs/s1600/denied.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="379" data-original-width="580" height="209" src="https://2.bp.blogspot.com/-ao0_z9vo24U/WvC4RU-pK9I/AAAAAAAAOvc/gi0C2lmq3JcMTqwsoGMv7xyQEotWOcvIgCLcBGAs/s320/denied.png" width="320" /></a></div>
<br />
<span style="mso-spacerun: yes;"> </span>All of a sudden your<span style="mso-spacerun: yes;"> </span>broker or the lawyer calls to say that
there’s a problem. How could this be? Everything has been signed and conditions
have been removed. What many home buyers do not realize is that your financing
approval is based on the information the lender was provided with at the time
of the application. If there have been any changes to your financial situation,
the lender is within their rights to cancel your mortgage approval. There are 5
things that can make home financing go sideways. <br />
1 Employment – You were working for ABC company as a clerk for 5 years
making $50,000 a year and just before home possession you change jobs. The
lender will now ask for proof that probation for this new job is waived and new
job letters and pay stubs at the very least. If you change industries they will
want to see more proof that you are capable of keeping this job. <br />
<span style="mso-spacerun: yes;"> </span>If your new job involves overtime or
bonuses of any kind that vary over time, they will ask for a 2 year average
which you will not be able to provide. <br />
<span style="mso-spacerun: yes;"> </span>Another item that could ruin your
chances of getting the mortgage is if you decide to change from an employee to
a self-employed contractor just before possession day. Even though you are in
the same industry, your employment status has changed . This is a big deal
killer. .<br />
2. Debt – A week or two before your possession date, the lender will obtain
a copy of your credit report and look for any changes to your debt load. Your
approval was based on how much you owed on that particular date. Buying a new
car or items for the new home need to be postponed until after possession of
your new home. <br />
Don’t be fooled by “Do not pay for 12 months”<span style="mso-spacerun: yes;"> </span>sales campaigns. You now owe this money
regardless of when the payments start. Don’t buy a new car and don’t buy
furniture for the new home. This will increase your debt ratio and can nullify
your financing. <br />
3. Down payment source – And yet again I reiterate that the approval is
based on the initial information you have provided. You will be asked at the
lawyer’s office to verify the source of the down payment and if it is different
than what the lender has approved, then you may be in trouble. For example, you
said that you were going to save the funds and then at the last minute Mom and
Dad offer you the funds as a gift. There’s no problem accepting the gift if the
lender knows about it in advance and has included this in their risk assessment
but it can end a deal. .<br />
4. Credit – Don’t forget to make your regular credit card payments. If your
credit score falls due to late payments, this can kill your financing. If you
have a high ratio mortgage in place which required CMHC insurance, a lower
credit score could mean a withdrawal of their insurance once again , killing
the deal. <br />
<div class="MsoNormal">
5-Identity Documents<span style="mso-spacerun: yes;">
</span>- This can be a deal killer at the lawyer’s office. The lawyer is
required to verify your identity documents and see that they match the mortgage
documents. Many Canadians use their middle names if they have the same name as
their parent.<span style="mso-spacerun: yes;"> </span>Lots of new Canadians
adopt a more Canadian sounding name for their day to day lives but their
passports and other documents show another name. </div>
<div class="MsoNormal">
<span style="mso-spacerun: yes;"> </span>Be sure to use
your<span style="mso-spacerun: yes;"> </span>legal name when you apply for a
mortgage to avoid this catastrophe . Finally, keep in touch with your Dominion
Lending Centres mortgage professional right up to possession day. Make this a
happy experience rather than a heartbreaking one. <span style="mso-spacerun: yes;"> </span></div>
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<!-- AddThis Button END -->Dave Cookehttp://www.blogger.com/profile/12893710042681828799noreply@blogger.com0160 Quarry Park Blvd, Calgary, AB T2C 4J2, Canada50.96446 -114.0097999999999850.963835 -114.01106049999999 50.965085 -114.00853949999998tag:blogger.com,1999:blog-3973113795141608495.post-49233835906852199862018-03-28T09:54:00.003-07:002018-03-28T09:55:02.276-07:00What are Credit Unions ?<!--[if !mso]>
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<b style="mso-bidi-font-weight: normal;"><span style="font-size: 14.0pt; line-height: 115%;">What are Credit Unions?</span></b></div>
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<a href="https://1.bp.blogspot.com/-Piz8Vky4oQk/WrvIGPhA5dI/AAAAAAAANaY/DLBR9iHSb0MAMV57Ub3YueZOMRSLV173QCLcBGAs/s1600/credit%2Bunion.png" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="185" data-original-width="272" src="https://1.bp.blogspot.com/-Piz8Vky4oQk/WrvIGPhA5dI/AAAAAAAANaY/DLBR9iHSb0MAMV57Ub3YueZOMRSLV173QCLcBGAs/s1600/credit%2Bunion.png" /></a></div>
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We’ve all seen credit unions or advertisements for them, but
do you know what a credit union is? What’s the difference between banks and
credit unions?<span style="mso-spacerun: yes;"> </span>How did we end up with
credit unions in Canada?</div>
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<span style="mso-spacerun: yes;"> </span>What is a Credit
Union? -<span style="mso-spacerun: yes;"> </span>it is a<span style="mso-spacerun: yes;"> </span>non for profit money cooperative. Members
pool their money to lend to other members for car loans, consumer loans and
mortgages. The profits are not paid out to stock holders but they are returned
as dividends to the members.</div>
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<span style="mso-spacerun: yes;"> </span>How did this
cooperative system enter the Canadian financial system?</div>
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<span style="mso-spacerun: yes;"> </span>In 1900 Alphonse
Desjardins read about a man in Toronto who borrowed $150 and ended up having to
pay $5000 in interest to pay is loan off.<span style="mso-spacerun: yes;">
</span>At the time, banks were for well off people and your average working class
individual had to borrow from loan sharks .<span style="mso-spacerun: yes;">
</span>Desjardins studied the cooperative banks in Europe and opened his first
branch in the Quebec City suburb of Levis that year. At the time of his death
in 1920 there were 163 branches in Quebec and 18 in Ontario. </div>
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<span style="mso-spacerun: yes;"> </span>The first credit
union branch opened Alberta in Edmonton in 1938. Credit unions can now be found
in all provinces and territories. </div>
<div class="MsoNormal">
<span style="mso-spacerun: yes;"> </span>Why do mortgage
brokers use credit unions?<span style="mso-spacerun: yes;"> </span>They do not
fall under the rules of the Canada Bank Act and sometimes we can get better
terms for a client that is not available from a bank or other lending
institution.<span style="mso-spacerun: yes;"> </span>Credit unions often <span style="mso-spacerun: yes;"> </span>tend to follow the guidelines set out for
banks but sometimes they can be more understanding as the lending decisions are
made locally and not in an office in Toronto. </div>
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<span style="mso-spacerun: yes;"> </span>Next time you need a
mortgage or a line of credit speak to your favourite mortgage broker. A credit
union might have the right product for your particular needs. </div>
<div class="MsoNormal">
<span style="mso-spacerun: yes;"> </span>Follow me on<a href="https://www.facebook.com/davidcookecalgarymortgageman" target="_blank"> Facebook</a>- </div>
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Twitter - @yycmortgageman</div>
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<!-- AddThis Button END -->Dave Cookehttp://www.blogger.com/profile/12893710042681828799noreply@blogger.com0160 Quarry Park Blvd, Calgary, AB T2C 4J2, Canada50.96446 -114.0097999999999850.963835 -114.01106049999999 50.965085 -114.00853949999998tag:blogger.com,1999:blog-3973113795141608495.post-89379832346354526952018-02-25T16:08:00.001-08:002018-03-28T09:55:40.040-07:00Be creative when saving to buy a home<!-- AddThis Button BEGIN -->
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<a href="https://4.bp.blogspot.com/-DM0BgG_DhH4/WpNPxfEm-HI/AAAAAAAANMs/8q089Sa0UvYNMNrXncHpD01FSp-jQMCDgCLcBGAs/s1600/findneighbourhood.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="966" data-original-width="1418" height="217" src="https://4.bp.blogspot.com/-DM0BgG_DhH4/WpNPxfEm-HI/AAAAAAAANMs/8q089Sa0UvYNMNrXncHpD01FSp-jQMCDgCLcBGAs/s320/findneighbourhood.jpg" width="320" /></a></div>
Homeownership is a goal for most of us and millennials appear to be
the most optimistic group. According to an RBC poll, two in five
millennials said they intend to buy a home in the next two years. But
the cost of homeownership and things such as regulatory changes can make
saving for a downpayment more difficult and for many put the dream of
homeownership out of reach.<br />
However, first-time buyers may not be
looking at all their options. A little flexibility and compromise can
help make ownership more accessible when considering the following:<br />
<b>Begin with a starter home:</b>
Think about your lifestyle for the next five to 10 years and make a
decision based on that. Your dream home in your dream neighbourhood may
still be yours, just a bit later in your life.<br />
<b>Get a renter:</b>
Could you afford the home you want if you rented out part of it? Many
people create a basement suite or rent out a second bedroom as a way to
offset their mortgage payments.<br />
<b>Consider co-ownership:</b>
Buying a property with family or friends is a great way to get your
foot in the door. Discuss options with your mortgage specialist and be
sure to establish a solid contractual agreement that will help avoid or
mediate any future disagreements when selling the property,
renegotiating terms or buying each other out.<br />
<b>Be patient:</b>
Style your home slowly. Get creative with chic but less expensive,
gently used furniture or pieces that may not last a lifetime but will
save you money today. Calgary Sun Feb 24, 2018<br />
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<!-- AddThis Button END -->Dave Cookehttp://www.blogger.com/profile/12893710042681828799noreply@blogger.com0tag:blogger.com,1999:blog-3973113795141608495.post-6895087941287462352018-02-20T14:21:00.003-08:002018-02-20T14:22:59.867-08:006 Reasons To Get A Home Inspection Before You Buy<!-- AddThis Button BEGIN -->
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<b style="mso-bidi-font-weight: normal;"><a href="https://4.bp.blogspot.com/-WEZ_UdVs0fE/WoydgzpOVsI/AAAAAAAANHM/NoJp7tN1OWoKS1ETwceA5AG1uiQLaoxpACEwYBhgL/s1600/inspect.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="510" data-original-width="680" height="240" src="https://4.bp.blogspot.com/-WEZ_UdVs0fE/WoydgzpOVsI/AAAAAAAANHM/NoJp7tN1OWoKS1ETwceA5AG1uiQLaoxpACEwYBhgL/s320/inspect.jpg" width="320" /></a></b></div>
<b style="mso-bidi-font-weight: normal;">
</b><span style="font-size: 14.0pt; line-height: 115%;">In an active
housing market sometimes buyers are urged by their realtors to make an offer
with no conditions. As a mortgage broker this always makes my heart skip a
beat.<span style="mso-spacerun: yes;"> </span>I know from experience that financing
can go sideways and you need to be sure it’s in place before removing
conditions. </span><br />
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<span style="font-size: 14.0pt; line-height: 115%;"><span style="mso-spacerun: yes;"> </span>Another item that should not be forgotten is
a house inspection. You may have a good eye for décor but house inspections are
not for amateurs. We have all heard, “Never judge a book by its cover” so why would
you make the most important purchase in your life without checking it out? This
may be the best $300-$500 you ever spent. Here’s why. </span></div>
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<span style="font-size: 14.0pt; line-height: 115%;">#1 – It
provides an out for the home buyer. </span></div>
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<span style="font-size: 14.0pt; line-height: 115%;"><span style="mso-spacerun: yes;"> </span>Sometimes hidden structural issues like a
cracked foundation or saggy beams can mean expensive repairs. If the price
can’t be re-negotiated then you have a way to walk away from an expensive
mistake. </span></div>
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<span style="font-size: 14.0pt; line-height: 115%;"><span style="mso-spacerun: yes;"> </span>A few years ago I had a client who I
preapproved for a mortgage. He found the perfect house in south east Calgary
and made an offer which was accepted. He then ordered a house inspection while
I arranged the mortgage. The inspector came back and told my client that there
were 10 things he could see in the house that indicated that it had been used
as a grow op. My client used this to break the contract and went on to buy
another home without any problems. </span></div>
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<span style="font-size: 14.0pt; line-height: 115%;">#2 – Revealing
illegal additions or improper renovations </span></div>
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<span style="font-size: 14.0pt; line-height: 115%;"><span style="mso-spacerun: yes;"> </span>If the DIY seller wired the house
improperly or used sub-standard materials your home insurance could be null and
void if you had something happen in the future.<span style="mso-spacerun: yes;">
</span>The home inspector for my first home noticed that the indoor outdoor
carpet in the master bedroom had been glued to the hardwood, something that
resulted in a multi-day project we were not counting on. </span></div>
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<span style="font-size: 14.0pt; line-height: 115%;">#3 Safety
and Structural issues </span></div>
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<span style="font-size: 14.0pt; line-height: 115%;">Inspectors
go up into the attic , and down into the farthest reaches of the basement and
can spot things like mold, holes in the chimney, improper wiring or improperly
vented fans. </span></div>
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<span style="font-size: 14.0pt; line-height: 115%;">#4 – Aiding
in the planning for future maintenance expenses </span></div>
<div class="MsoNormal">
<span style="font-size: 14.0pt; line-height: 115%;"><span style="mso-spacerun: yes;"> </span>Unless the home is brand new you will need
to replace a number of things; water heaters last 6-10 years, roofs about 20
years ,<span style="mso-spacerun: yes;"> </span>furnaces about 25 years. . The
report will include an estimate on the remaining life for each of these
expensive items which will give you time to save for their eventual
replacement. </span></div>
<div class="MsoNormal">
<span style="font-size: 14.0pt; line-height: 115%;">#5
Bargaining power </span></div>
<div class="MsoNormal">
<span style="font-size: 14.0pt; line-height: 115%;"><span style="mso-spacerun: yes;"> </span>If you find something that will cost a
considerable amount to replace or repair you can go back to the seller’s agent
and ask for a reduction in the price. A leaky roof may cost $3000 to replace.
Perhaps the seller would split the cost with you?<span style="mso-spacerun: yes;"> </span>It’s worth asking. </span></div>
<div class="MsoNormal">
<span style="font-size: 14.0pt; line-height: 115%;">#6 Peace of
Mind</span></div>
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<span style="font-size: 14.0pt; line-height: 115%;"><span style="mso-spacerun: yes;"> </span>Finally, for your own peace of mind. When you
have spent all your hard earned cash on a home and will be paying it off for
20+ years, it’s easier to sleep at night knowing that the house won’t come
tumbling down on you or that you paid too much . </span></div>
<div class="MsoNormal">
<span style="font-size: 14.0pt; line-height: 115%;">While an
inspection cuts into your budget at a time when you need all the cash you can get,<span style="mso-spacerun: yes;"> </span>you will find it is money well spent. NOTE:
If you live in an area where housing prices are rising quickly your appraisal
may come in low as the property is appraised based on sales in the previous 90
days. Ask your mortgage broker and your realtor if this is the case for your
area. </span></div>
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<!-- AddThis Button END -->Dave Cookehttp://www.blogger.com/profile/12893710042681828799noreply@blogger.com0160 Quarry Park Blvd, Calgary, AB T2C 4J2, Canada50.96446 -114.0097999999999850.963835 -114.01106049999999 50.965085 -114.00853949999998tag:blogger.com,1999:blog-3973113795141608495.post-19096850324796195802017-12-08T10:46:00.000-08:002017-12-08T10:46:00.758-08:00What is a Cash Back Mortgage?<!-- AddThis Button BEGIN -->
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<a href="https://4.bp.blogspot.com/-43QsMH1Wy7o/Wirdfp_kJtI/AAAAAAAAL8w/q7I7UjnLL90Xdm3EHKxLzaiUxzJLSw52wCLcBGAs/s1600/cash-back-mortgage.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="246" data-original-width="320" src="https://4.bp.blogspot.com/-43QsMH1Wy7o/Wirdfp_kJtI/AAAAAAAAL8w/q7I7UjnLL90Xdm3EHKxLzaiUxzJLSw52wCLcBGAs/s1600/cash-back-mortgage.jpg" /></a></div>
<div class="MsoNormal">
What is a cash back mortgage?<span style="mso-spacerun: yes;"> </span><span style="mso-fareast-language: EN-CA; mso-no-proof: yes;"></span></div>
<a href="https://www.blogger.com/blogger.g?blogID=3973113795141608495" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="https://www.blogger.com/blogger.g?blogID=3973113795141608495" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="https://www.blogger.com/blogger.g?blogID=3973113795141608495" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><span style="mso-spacerun: yes;"> </span>Every once in a while a bank will
advertise a cash back mortgage. It sounds great but there are a few things to
consider. <br />
When you purchase a home, you may find that you need some extra cash. You
may<span style="mso-spacerun: yes;"> </span>want to renovate, purchase some
furniture, or start on building a fence or landscaping.. Fortunately, some
Canadian lenders offer mortgages that give you a cash back rebate when you take
out your mortgage. <br />
With a cash back mortgage, your lender advances you a cash lump sum when
your mortgage closes. The most common sum you receive is 5% of your mortgage
amount but it’s possible to get between 1% and 5% depending on the lender you
choose. Note that you receive these funds when the mortgage closes. The funds
cannot be used for your down payment, however if you borrowed your down payment
you could use the funds to pay back the loan. <br />
<span style="mso-spacerun: yes;"> </span>This sounds like a great idea but
there are some down sides to this type of mortgage. First- you will pay about
1.5% higher interest rate for the duration of the mortgage term. Usually this
is a 5 year term and if you take a look at how much extra interest you are
paying you will find that it takes you 5 years to pay this sum back to the
lender. <br />
<span style="mso-spacerun: yes;"> </span>Another point to consider is that
Canadians move on average every 3 years. What if you have to break the
mortgage?<span style="mso-spacerun: yes;"> </span>In that case, you owe the
lender the usual 3 months interest or Interest Rate Differential (IRD) as well
as the balance of the cash back balance. This could be a very pricey move. If
your lender allows it , it’s best to port your mortgage to your new home to
avoid the double hit of the penalty and paying the cash back. <br />
<span style="mso-spacerun: yes;"> </span>A cash back mortgage is a great
option but it’s not for everyone.<span style="mso-spacerun: yes;"> </span>Be
sure to tell your mortgage broker if it’s at all possible that you will have to
move before your mortgage term is over so that he or she can advise you on what
your penalties would be.<br />
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<!-- AddThis Button END -->Dave Cookehttp://www.blogger.com/profile/12893710042681828799noreply@blogger.com0tag:blogger.com,1999:blog-3973113795141608495.post-87256092140073819792017-08-18T13:02:00.001-07:002017-12-08T10:42:42.602-08:00Homeowners are going on ‘spending binges’ – study <!-- AddThis Button BEGIN -->
<br />
<div>
<h1 class="subHeader article" style="margin-top: 5px;">
</h1>
<i><span class="articleDate" id="ContentPlaceHolder1_lbAuthorAndDate">Here's a great article by my associate Michael Mata . <span id="ContentPlaceHolder1_lbDate"></span></span></i><span class="fontsize"></span>
<div class="wide_skyscraper">
</div>
<div>
<img alt="" src="https://ca.res.keymedia.com/files/image/WMW%20%281%29%20August%2014%2C%202017.jpg" style="height: 310px; width: 490px;" /><br />
<br />
Homeowners in Canada’s hottest housing markets are taking advantage of
rising property values to go on spending binges, according to National
Bank of Canada, the nation’s sixth largest bank.<br />
“The sharp appreciation in home prices in Ontario and British
Columbia, fueled by extremely accommodative monetary policy, have
undoubtedly encouraged some homeowners to tap into their home equity in
order to support a spending binge,” said Stéfane Marion, chief economist
and strategist at National Bank of Canada.<br />
In Canada, there are currently about three million active <a href="https://www.blogger.com/null" rel="nofollow" target="_blank">home equity lines of credit (HELOCs)</a>, according to National Bank, citing data from the Financial Consumer Agency of Canada.<br />
On average, the outstanding balance on Canadian HELOCs is $70,000,
and these types of loans account for about 45% of consumer credit.<br />
Rather worryingly, there has been an increase in this type of
consumer debt. “We estimate that HELOCs at Canadian chartered banks have
surged by close to $20 billion in the past year, accounting for close
to 60 per cent of the growth in total consumer credit,” Marion said.<br />
Households taking advantage of HELOCs are fueling a broader borrowing
frenzy, said National Bank. During the last quarter, consumer credit
grew at its fastest rate since 2010.<br />
While National Bank doesn’t examine what Canadians are spending their
HELOCs on, earlier this year, one Toronto-based mortgage agent told
BuzzBuzzNews that homeowners are increasingly using their HELOCs to help
their children finance their own home purchases.<br />
Overall, the racking up of consumer debt is extremely risky, National
Bank warned. While it supports near-term GDP growth, increased debt,
including HELOC debt, poses risks to the financial system’s stability
and <a href="https://www.blogger.com/null" rel="nofollow" target="_blank">undermines the financial well-being of individuals</a>.<br />
“So, the resurgence in consumer credit may ring some alarm bells at
the Bank of Canada which, as you may recall, continues to see household
indebtedness and housing market imbalances as ‘the most important
vulnerabilities for the Canadian financial system,’” Marion said. <br />
<br />
Are you looking to invest in property? If you
like, we can get one of our mortgage experts to tell you exactly how
much you can afford to borrow, which is the best mortgage for you or how
much they could save you right now if you have an existing mortgage. <a href="http://davidcooke.ca/" target="_blank">Click here to get help choosing the best mortgage rate</a><br />
</div>
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<!-- AddThis Button END -->Dave Cookehttp://www.blogger.com/profile/12893710042681828799noreply@blogger.com05 Richard Way SW, Calgary, AB T3E 7M8, Canada51.0054688 -114.1301571000000251.0051568 -114.13078760000002 51.005780800000004 -114.12952660000002tag:blogger.com,1999:blog-3973113795141608495.post-38404299679399379912017-08-18T12:54:00.000-07:002017-08-18T12:54:51.392-07:00The Role of a Mortgage Broker <!-- AddThis Button BEGIN -->
<br />
<div>
<h4 class="introduction">
<i>here's a great article written by my associate Mandy Reinhardt. </i> </h4>
<h1 class="introduction">
The Role of a Mortgage Broker</h1>
<img alt="The Role of a Mortgage Broker" class="alignleft size-medium wp-image-22492" height="169" src="https://dominionlending.ca/wp-content/uploads/2017/04/mortgage-300x169.jpg" width="300" />Buying
a home is a big step – a big, very exciting, potentially stressful
step! How can you take the hassle out of the equation and keep your
buying experience super positive? Easy… Surround yourself with a team of
experienced professionals!<br />
Many experienced realtors insist on starting your financing first, that’s where your Mortgage Broker comes in.<br />
What is a Mortgage Broker? A Mortgage Broker is an expert in real
estate loans that acts as a match-maker between home buyers looking for
money and lenders with funds available to borrow. A broker will collect
information from you about your employment, income, assets, loans and
other financial obligations as well discuss your current budget,
spending patterns and goals in order to get a thorough understanding of
where you’re at and where you’d like to be. From here they assess the
strengths and any weaknesses in your application and can advise on
potential suitable financing options and any next steps you might need
to take in preparing yourself for loan approval.<br />
Talking with a Mortgage Broker before you start shopping is helpful for a number of reasons:<br />
<ul>
<li>You’ll develop a well-founded expectation of the price range and payments that you can afford.</li>
<li>You’ll have a chance to address any potential gaps in your
application for financing BEFORE you’re in a time crunch to meet
deadlines for closing.</li>
<li>Sellers may take your offer more seriously when you tell them you’ve
been pre-approved for your financing putting you in a better position
to negotiate (price, possession date, inclusions, other terms, etc).</li>
<li>You and your Mortgage Broker will begin to compile your
documentation so that your application is ready to go when you find the
perfect home, leaving your mind free to start arranging furniture in
your new place.</li>
</ul>
So why use a Mortgage Broker rather than your bank?<br />
A Mortgage Broker has access to loans from a wide range of lenders.
That means that you have more potential places to get approved, AND can
take advantage of best products, top programs and lowest pricing!<br />
A Mortgage Broker must complete a series of courses and pass the
corresponding exams prior to obtaining a license to sell mortgages. In
order to maintain that license a Broker must uphold the highest
standards of moral, ethical, and professional conduct – including
ongoing education and training.<br />
A Mortgage Broker working with multiple lender options means that
they truly SHOP for the best programs and rates for you based on
comparisons and choices and don’t simply sell you the limited products
they have to offer through a single bank source.<br />
Mortgage Brokers work EXCLUSIVELY in mortgages so they are mortgage
product specialists rather than banking generalists. Brokers deal with
real estate transactions involving deadlines and conditions everyday as
part of their job. They understand the urgency of meeting these
commitments to ensure a successful transaction for everyone involved.<br />
Learn more by contacting your Dominion Lending Centres mortgage professional today!<br />
for more information contact me at http://davidcooke.ca or on <a href="https://www.facebook.com/davidcookecalgarymortgageman/" target="_blank">Facebook</a> <br />
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<!-- AddThis Button END -->Dave Cookehttp://www.blogger.com/profile/12893710042681828799noreply@blogger.com05 Richard Way SW, Calgary, AB T3E 7M8, Canada51.0054688 -114.1301571000000251.0051568 -114.13078760000002 51.005780800000004 -114.12952660000002tag:blogger.com,1999:blog-3973113795141608495.post-43240805941643540302017-07-20T14:36:00.000-07:002017-07-20T14:36:41.989-07:00Mortgage brokers are super heroes<!-- AddThis Button BEGIN -->
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<a href="https://4.bp.blogspot.com/-EhvsI7NfKeU/WXEf7gXjT6I/AAAAAAAAHWQ/Nsc1y4qH3s4Rk3TK9hURYfYfH1tszcdygCLcBGAs/s1600/batman.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="194" data-original-width="259" src="https://4.bp.blogspot.com/-EhvsI7NfKeU/WXEf7gXjT6I/AAAAAAAAHWQ/Nsc1y4qH3s4Rk3TK9hURYfYfH1tszcdygCLcBGAs/s1600/batman.jpg" /></a></div>
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Mortgage brokers have a reputation as superheroes. Although
we cannot leap tall buildings in a single bound we can do extraordinary things.<br />
Is the down payment money coming from outside of Canada? I had a client who had
a joint account with her father in Japan. She showed me bank statements with
the money in the account and leaving Japan. I had another bank statement
showing the funds coming into her Canadian account. Finally I showed the
foreign exchange rate for that day from Yen to CAD. The bank accepted this as a
suitable paper trail.<br />
An unusual down payment source? I had a client who sold his vintage Cadillac
for his his down payment. A copy of the registration, the bill of sale and a
bank statement showing the funds going into his account was deemed fine by the
bank.<br />
Is your down payment coming from multiple sources? I recently had two brothers
purchasing a home together. They both had their money in RRSP’s and TFSAs. It
took some explaining but we were able to show all the down payment and closing
costs coming from four different sources.<br />
Several years ago I had a client defaulting on two mortgages. Foreclosure was
just days away.<br />
I was able to consolidate the two mortgages, pay them out and get a reasonable
payment schedule for one year. After the year , I moved him to a regular lender
and arranged for a line of credit so that he could pay for some home
renovations with a low interest rate secured against his home.<br />
I had a couple who wanted to buy a home. The husband had had a business failure
and it had affected his credit. I could only use the wife’s credit and her
income for this purchase. She was a foster mother with six children. Her income
was good but not high enough. I was able to get the lender to gross up her
income by 25%, as her income was tax free. This was enough for them to buy a
large home for the couple and their foster children.<br />
Small towns can also pose unique problems. I had a client who wanted to
refinance his home. I checked his credit report and found a credit card that he
did not have. He told me that there were five people with his name in this
small town. He also revealed that he had an account at Home Hardware that was
not reporting on the credit bureau. The manager was a friend and thought that
the loan would hurt his credit so they made an informal arrangement to pay it
off.<br />Did I mention that he had three jobs? He worked as a tire installer, and
invoiced the company from his firm. I was able to get a lender to accept this
client his varied income and got the mortgage . Come to think of it , perhaps
mortgage brokers are superheroes. If you have a difficult situation the best
person to speak to is a Dominion Lending Centres mortgage professional, if it
can be done legally, a broker can do it. <i>for further information visit my <a href="https://www.facebook.com/davidcookecalgarymortgageman/?ref=bookmarks" target="_blank">Facebook </a>page or my <a href="http://davidcooke.ca/" target="_blank">website </a> </i></div>
<script src="https://s7.addthis.com/js/250/addthis_widget.js#username=calgarymortgageman" type="text/javascript"></script></div>
<!-- AddThis Button END -->Dave Cookehttp://www.blogger.com/profile/12893710042681828799noreply@blogger.com05 Richard Way SW, Calgary, AB T3E 7M8, Canada51.0054688 -114.1301571000000251.0051568 -114.13078760000002 51.005780800000004 -114.12952660000002tag:blogger.com,1999:blog-3973113795141608495.post-64324322727804876402017-06-01T09:56:00.000-07:002017-06-01T09:56:18.939-07:00I Don't Understand <!-- AddThis Button BEGIN -->
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<span style="mso-spacerun: yes;"><br /></span><span style="mso-spacerun: yes;"></span><span style="mso-no-proof: yes;"></span></div>
<div class="MsoNormal">
<span style="mso-no-proof: yes;">
</span><span style="mso-spacerun: yes;"> </span></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://1.bp.blogspot.com/-uNQ1wREa9Po/WTA_N7zCwwI/AAAAAAAAGpU/Pq3qwf1wOOgltGOKIb5GtiGDKVZYzTlYgCLcB/s1600/mork.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="285" data-original-width="177" src="https://1.bp.blogspot.com/-uNQ1wREa9Po/WTA_N7zCwwI/AAAAAAAAGpU/Pq3qwf1wOOgltGOKIb5GtiGDKVZYzTlYgCLcB/s1600/mork.jpg" /></a></div>
<div class="MsoNormal">
Many of us will remember the television show, Mork and Mindy
.</div>
<div class="MsoNormal">
<span style="mso-spacerun: yes;"> </span>Imagine that you have
just moved to Canada and you overhear a conversation, “ I was watching NBC and
they said that the FBI arrested a terrorist at IGA” </div>
<div class="MsoNormal">
<span style="mso-spacerun: yes;"> </span>You probably wouldn’t
understand what they said because we all use acronyms used We often replace the
long descriptions for many organizations, institutions and government bodies
with the initials or short forms in conversations. The show was based on Mork,
an alien, misunderstanding terms, expressions and common traditions that we
have in our society. It made for a funny show but it’s not so funny if you are
new to Canada or want to make the largest purchase in your life. </div>
<div class="MsoNormal">
. Imagine this same person speaking to a realtor or a
mortgage broker when they started using abbreviations for words used in their
industry. As a public service to any of you who may have recently arrived from
a foreign county or another planet, I am going to define a few expressions that
we all take for granted.</div>
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<br /></div>
<div class="MsoNormal">
AMORTIZATION – How long you have to pay off the mortgage on
a home. Typically in Canada you have 25 years. In Japan it can be 99 years. Payments
are spread out equally over the specified time period . If they were not you
would have huge payments in the first few years and very small ones in the
last6 months of your mortgage term. </div>
<div class="MsoNormal">
DOWN -<span style="mso-spacerun: yes;"> </span>short for down
payment. A deposit of 5% minimum is required for a home purchase. </div>
<div class="MsoNormal">
FLEX DOWN – a borrowed down payment program, where the repayment
of the loan is included in the debt calculations. </div>
<div class="MsoNormal">
PULL – “He pulled my credit before the loan approval “ – a
pull is a credit bureau report inquiry. </div>
<div class="MsoNormal">
TRADE LINES -<span style="mso-spacerun: yes;"> </span>a trade
line is a credit card or cellphone<span style="mso-spacerun: yes;">
</span>account, a loan or mortgage that appears on your credit report.</div>
<div class="MsoNormal">
DEROGS – short for derogatory , referring to late payments
on your credit report. </div>
<div class="MsoNormal">
20/20 – refer to your ability to repay 20% of the mortgage
balance or increase your payment by 20% without incurring a penalty. </div>
<div class="MsoNormal">
MIC – short for a Mortgage Investment Corporation – a group
of investors who will lend you the money for a mortgage if a traditional lender
will not due to unusual circumstances. </div>
<div class="MsoNormal">
TERM – although mortgages have 25 year amortizations,
Canadians traditionally take terms of 1- 5 years and then renegotiate their
mortgages. 1-5 years is the TERM.</div>
<div class="MsoNormal">
DEFAULT – failing to pay your mortgage on time puts your
mortgage into DEFAULT</div>
<div class="MsoNormal">
FORECLOSURE – If your mortgage is in default you can make
your payments up or the lender will put your home in FORECLOSURE and you will
lose your home. </div>
<div class="MsoNormal">
OPEN MORTGAGE – a mortgage where you can pay out the
mortgage at any time during the term.</div>
<div class="MsoNormal">
CLOSED MORTGAGE –a mortgage where you have agreed to pay the
lender for a specified period of time . If you wish to terminate the mortgage,
a penalty will have to be paid.</div>
<div class="MsoNormal">
PIT – principal, interest and taxes – an amount<span style="mso-spacerun: yes;"> </span>used to calculate how much<span style="mso-spacerun: yes;"> </span>you<span style="mso-spacerun: yes;">
</span>can afford to pay monthly on your home .<span style="mso-spacerun: yes;">
</span>Often<span style="mso-spacerun: yes;"> </span>heat is also included in
this calculation (PITH) . </div>
<div class="MsoNormal">
High Ratio – a mortgage where the buyer has less than 20%
for the down payment and needs to pay CMHC fees to insure it. </div>
<div class="MsoNormal">
CONVENTIONAL – a mortgage where the buyer has 20% or more
down payment or equity in their home. </div>
<div class="MsoNormal">
While I have not covered all the terms you may encounter I
hope that I have covered most of them. </div>
<div class="MsoNormal">
If you find yourself talking to a mortgage broker who is
using business expressions you should feel free to remind them that you are not
in the industry and would like to the terms explained. Any broker worth their
salt will be very happy to explain these terms to you.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Contact me if you have any questions - my <a href="http://davidcooke.ca/" target="_blank">website </a> </div>
<div class="MsoNormal">
my <a href="https://www.facebook.com/pg/davidcookecalgarymortgageman/reviews/" target="_blank">Facebook page </a></div>
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<!-- AddThis Button END -->Dave Cookehttp://www.blogger.com/profile/12893710042681828799noreply@blogger.com05 Richard Way SW #300, Calgary, AB T3E 7M8, Canada51.0054688 -114.1301571999999925.483434300000003 -155.43875119999998 76.5275033 -72.821563199999986tag:blogger.com,1999:blog-3973113795141608495.post-88191771748590135562017-05-19T10:46:00.000-07:002017-05-19T10:46:01.222-07:00Thinking Outside of the Box - Blanket Mortgages <!-- AddThis Button BEGIN -->
<br />
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<b style="mso-bidi-font-weight: normal;"><span style="font-size: 14.0pt; line-height: 115%;">Thinking outside of the box – blanket
mortgages </span></b></div>
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When someone calls me up out of the blue for a mortgage , I
often ask them, “Why did you call me?”</div>
<div class="MsoNormal">
<span style="mso-spacerun: yes;"> </span>Often the reply is
that a family member suggested it. I then ask, “Do you know what I do?” </div>
<div class="MsoNormal">
<span style="mso-spacerun: yes;"> </span>Once again , I will
get a reply that they aren’t sure.<span style="mso-spacerun: yes;"> </span>I
will then explain to them that while banks do mortgages, they don’t specialize
in them. They also do deposits, GIC’s, RRSP’s , insurance ,car loans etc. </div>
<div class="MsoNormal">
<span style="mso-spacerun: yes;"> </span>I only do mortgages,
day after day. As I result I have more experience in unusual situations and we
are getting more of them all the time. Sometimes you need to think outside of
the box. </div>
<div class="MsoNormal">
<span style="mso-spacerun: yes;"> </span>Here’s an
example,<span style="mso-spacerun: yes;"> </span>Sally and Ted want to buy a
home but they don’t have a down payment.<span style="mso-spacerun: yes;">
</span>A recent HSBC Bank study found that 37% of young Canadians count on the Bank of
Mom and Dad for their down payment.</div>
<div class="MsoNormal">
Unfortunately in many cases, Mom and Dad would like to help
them out but they don’t have the cash. </div>
<div class="MsoNormal">
They own their home or have a low mortgage balance but their
savings are tied up .<span style="mso-spacerun: yes;"> </span>This is where
thinking outside of the box comes in handy. <span style="mso-spacerun: yes;"> </span>A blanket mortgage is a mortgage that covers
the subject property and another property that has sufficient equity in it to
carry both properties. </div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://3.bp.blogspot.com/-dt77L0CIUN8/WR8uUFwmUlI/AAAAAAAAGak/NmRSm5KUZksJDi02mONDFnJjJ8VIOz95QCLcB/s1600/maxresdefault.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="180" src="https://3.bp.blogspot.com/-dt77L0CIUN8/WR8uUFwmUlI/AAAAAAAAGak/NmRSm5KUZksJDi02mONDFnJjJ8VIOz95QCLcB/s320/maxresdefault.jpg" width="320" /></a></div>
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<br /></div>
<div class="MsoNormal">
<span style="mso-spacerun: yes;"> </span>If the parents are
willing, a mortgage can put<span style="mso-spacerun: yes;"> </span>placed on
the parents ‘ home and the new home. If the property value for the 2 homes is
more than 80% of the mortgage amount the new home can be purchased without the
young couple having to save a down payment and pay expensive CMHC fees. </div>
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<span style="mso-spacerun: yes;"> </span>What risks or
down sides are there to this idea.?<span style="mso-spacerun: yes;"> </span>If
Mom and Dad want to sell their home and move to Arizona the children will have
to get a new mortgage to cover their home .There may be penalties for breaking
the mortgage which will have to be paid.<span style="mso-spacerun: yes;">
</span>There’s also the risk that the children may fall behind on their
mortgage due to layoffs<span style="mso-spacerun: yes;"> </span>or maternity
leaves and that could jeopardize the parent’s home.</div>
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everyone? No. Discuss your issues with your mortgage broker and they may find
this to be the best solution for you or they may suggest something else .<a href="mailto:davidcooke@dominionlending.ca" target="_blank">Email</a> me You can contact me <a href="http://davidcooke.ca/" target="_blank">here . </a></span><!--[if gte mso 9]><xml>
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<!-- AddThis Button END -->Dave Cookehttp://www.blogger.com/profile/12893710042681828799noreply@blogger.com01212 1 St SE, Calgary, AB T2G 0G8, Canada51.040664199999988 -114.0603787999999725.518629699999988 -155.36897279999997 76.562698699999984 -72.751784799999967tag:blogger.com,1999:blog-3973113795141608495.post-16556780776802074552017-03-16T12:21:00.001-07:002017-03-16T12:21:11.092-07:00The Compound Effect: Building Your Household’s Wealth<!-- AddThis Button BEGIN -->
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<a href="https://3.bp.blogspot.com/-pExDY9lJl_g/WMrk8atw7vI/AAAAAAAAF5U/h5_v75K5owMRg4ccRcs8jQgitX6fOOrzQCLcB/s1600/PA-March-2017-Digital-Marketing-Campaign-Social-Media-Image.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="168" src="https://3.bp.blogspot.com/-pExDY9lJl_g/WMrk8atw7vI/AAAAAAAAF5U/h5_v75K5owMRg4ccRcs8jQgitX6fOOrzQCLcB/s320/PA-March-2017-Digital-Marketing-Campaign-Social-Media-Image.jpg" width="320" /></a></div>
Wealth is within reach for many people; however, <a href="http://www.bankrate.com/finance/financial-literacy/do-you-think-you-will-be-rich-one-day-1.aspx">according to a recent study</a><u>,</u> 63 percent of Americans said it’s not likely they’ll become rich.<sup>1</sup>
While younger people are more likely to say they’ll achieve wealth one
day, only 34 percent of people aged 30 to 49 and 21 percent of people
aged 50 or older say the same. There is no secret to becoming rich: it
takes time, sacrifice and good financial sense. Here are a few ways to
build your household’s wealth.<br />
<b>Let Compound Interest Work for You<br />
</b>Compound interest is your interest earning interest. While the
concept may work against you when you take out a loan to buy a car or
use your credit card, it works in your favor when you’re saving money.
For example, if your savings is growing at a rate of four percent, your
investment will double in eight years and quadruple in 16 years. Your
money will grow exponentially the longer you save: the more money you’ve
saved, the more your money will grow.<br />
<b>Tap into Your Home Appreciation<br />
</b><a href="https://www.pulsenomics.com/Q4_2016_HPE_Survey.php">Experts expect</a> home prices to appreciate 3.24 percent and grow by 21.4 percent cumulatively.<sup>2 </sup> If
a homeowner purchases a home this year for $250,000, they could earn
more than $40,000 in equity over the next five years. Although the home
value of the average American family’s home is $165,000, home values
vary by market.<sup>3</sup> If you’re curious about the value of your home, give us a call!<br />
<b>Build Equity in Your Home<br />
</b>One of the most compelling reasons to own a home is it allows you to build wealth over time. According to one <a href="http://economistsoutlook.blogs.realtor.org/2014/09/08/net-worth-of-homeowners-vs-renters/">study</a>, the average homeowner has a net worth of $200,000, which is 31 to 46 times the net worth of the average renter.<sup>4</sup>
Saving for a down payment, especially if you plan to put down more than
20 percent, helps you adopt good financial habits. The more you put
down when you buy, the higher your share of equity when you close.
Although for the first five to seven years, the majority of your payment
will go toward interest, over time more money will be applied to the
principal. There are many tools online that calculate your current and
future equity in your home, including this one <a href="http://www.mortgage-info.com/mortgage-calculators/equitygrowthcalculator.aspx">here</a>.<br />
Build equity sooner by choosing a shorter amortization term. While
your payment may be higher, you’ll likely qualify for a lower interest
rate and will pay less interest over the life of the loan.<br />
<b>Build Equity Faster in Your Home</b><br />
<table style="width: 479px;">
<tbody>
<tr>
<td width="160">Mortgage Term</td>
<td width="160">30 Years</td>
<td width="160">15 Years</td>
</tr>
<tr>
<td width="160">Loan amount</td>
<td width="160">$118,000</td>
<td width="160">$118,00</td>
</tr>
<tr>
<td width="160">Months to pay</td>
<td width="160">360</td>
<td width="160">180</td>
</tr>
<tr>
<td width="160">Annual percentage rate</td>
<td width="160">4.0%</td>
<td width="160">3.0%</td>
</tr>
<tr>
<td width="160">Monthly payment</td>
<td width="160">$563</td>
<td width="160">$815</td>
</tr>
<tr>
<td width="160">Total interest</td>
<td width="160">$84,806</td>
<td width="160">$28,680</td>
</tr>
<tr>
<td width="160">Interest savings</td>
<td width="160">–</td>
<td width="160">$56,126</td>
</tr>
</tbody>
</table>
Source: Federal Reserve Bank of Dallas, Building Wealth: A Beginner’s Guide to Securing Your Financial Future<br />
<b>Pay Down Your Mortgage…or Not<br />
</b>Many homeowners grapple with whether or not to pay down their
mortgage. On one hand, if you pay it down, or pay it off early, you’ll
save money on interest, which you can use to make other investments. On
the other hand, if your goal is to be debt free, it’s better to pay off
your higher-interest debt, such as credit card debt, first before paying
down your mortgage debt. Additionally, if you’re saving for retirement,
putting extra cash toward your retirement accounts will help you build a
nice nest egg to enjoy later on.<br />
If you decide to pay off your mortgage sooner, here are a few ways to do so:<br />
<ol>
<li>Pay more money at the beginning of your amortization period and apply it to your principal.</li>
<li>If you receive a tax refund or other windfall, apply it toward your principal.</li>
<li>Make one extra payment each year. You’ll save money on interest and pay your loan off sooner.</li>
<li>Add an extra $50, or another amount you can afford, to the principal of your payment each month.</li>
<li>If you locked into a 30-year fixed loan, refinance to a shorter,
15-year fixed loan. Your payment may be higher, but you’ll pay it off
sooner.</li>
</ol>
Your financial advisor can help you decide if paying off or paying down your mortgage is right for your goals.<br />
<b>Purchase Investment Property<br />
</b>Investment properties provide passive income to your growing
financial portfolio. More than 25 percent of Americans say real estate
is the best way to invest money you may not need for the next 10 years.<sup>5</sup>
While many people flip houses to make money—that is, they buy a home at
a low price, fix it up and sell it quickly—others purchase multifamily
properties to create monthly cash flow to save or to reinvest in other
properties.<br />
The longer you own a property, the better investment it becomes as
you’ll continue to build equity. While rental costs rise with inflation,
your mortgage will remain the same. The best part? Once you pay off the
mortgage, your cash flow will increase. Remember to create a budget for
maintenance each month, between 10 to 20 percent of the rent you
receive, or more if the home is older. This will help you save more
money in the long run and allow you to prepare for unexpected repairs.<br />
There are tax benefits to owning investment property as well. You may
be able to claim deductions for depreciation, as long as it fits within
the guidelines; repairs, travel expenses, interest and more. If you’re
thinking of purchasing investment property, talk to your tax
professional to get the details.<br />
<b>Achieve More Wealth by Creating Financial Goals<br />
</b>Setting a goal will help you achieve your desired level of wealth. Once you achieve one goal, reassess and set the bar higher.<br />
<ol>
<li><b> What is your idea of wealth? </b>Your idea of wealth
will change as you earn more money. That’s why it’s vital to set goals
along the way. What do you want your net worth to be in 5 years, in 10
years and in 20 years?</li>
</ol>
<ol start="2">
<li><b>Write down your short-term and long-term goals. </b>Once
you have determined your goals, write them down. This is the first step
towards getting your desires out of your mind and into motion and it
will be easier to refer to them later on.</li>
</ol>
<ol start="3">
<li><b>Develop a budget to help you reach these goals.</b> A
budget not only helps you understand where your money goes each month,
it may also prevent you from overspending. That way you can have more
money to save and invest.</li>
</ol>
<b>Your Budget</b><br />
<table style="width: 191px;">
<tbody>
<tr>
<td width="95">Income</td>
<td width="96"></td>
</tr>
<tr>
<td width="95">Earned</td>
<td width="96"> $</td>
</tr>
<tr>
<td width="95">Investments</td>
<td width="96">+ $</td>
</tr>
<tr>
<td width="95">Total Income</td>
<td width="96">= $</td>
</tr>
<tr>
<td width="95">Daily Expenses</td>
<td width="96">– $</td>
</tr>
<tr>
<td width="95">Monthly Bills</td>
<td width="96">– $</td>
</tr>
<tr>
<td width="95">Total Available for Investment</td>
<td width="96">=</td>
</tr>
</tbody>
</table>
To increase the amount you can invest, make adjustments to your daily
spending and monthly bills, if possible. Look for opportunities to save
money and transfer that savings into your accounts.<br />
<b>It’s never too late to begin building your family’s wealth.
Whether you’re interested in buying a first home, upgrading to a larger
home or are thinking of renovating, we have you covered. Give us a call
and we’ll answer all of your real estate questions and offer suggestions
to help you increase the value of your home.</b><br />
Sources: 1. BankRate.com<br />
<ol start="2">
<li>Pulsenomics, Home Price Expectation Survey Q4 2016</li>
<li>Statistic Brain, August 1, 2016</li>
<li>National Association of REALTORS, <i>Economists’ Outlook, </i>September 8, 2014</li>
<li>The Motley Fool, July 30, 2016</li>
</ol>
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<li class="facebook">For more information on growing wealth , <a href="http://davidcooke.ca/" target="_blank">contact me</a></li>
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<!-- AddThis Button END -->Dave Cookehttp://www.blogger.com/profile/12893710042681828799noreply@blogger.com01212 1 St SE, Calgary, AB T2G 0G8, Canada51.040664199999988 -114.0603787999999725.518629699999988 -155.36897279999997 76.562698699999984 -72.751784799999967