Jim Steffler Mortgages
393 Hillside Street N2K 2P1 Waterloo, ON, Canada

Give yourself a gift after the holidays, and give me a call to review your mortgage. . You're potentially sitting on thousands of dollars in savings from a simple refinance or switch. . Rates start at 0.99% on a new purchase.... . (226) 338-5136 or [email protected] See more

There's countless reasons I love my brokerage Dominion Lending Centres - TLC Mortgage Group, and today's package is a great example. . Thanks for the thoughtful Christmas gift!!!

See what other options are out there before simply signing with your bank! . Call, text, or email me at [email protected] or (226) 338-5136.

Thank you from my friends at Paquette & Travers for the thoughtful Christmas gift! . Fantastic lawyers, and clearly they know me well...

Looking for some great talent to assist in growing my mortgage business! . Currently hiring for a full-time administrative assistant. . If you're looking for a new opportunity, and enjoy working independently, please reach out to me at (226) 338-5136 or [email protected]

Yes, I still have access to that crazy rate! . The 0.99% variable rate only applies to new purchases that qualify with CMHC and have less than a 20% down payment. . However there are other fantastic rates available regardless of what your mortgage needs are!... . Give me a call at (226) 338-5136 or email [email protected]. See more

Take a moment today to remember the sacrifices made to protect our freedom and way of life.

Royal LePage with a optimistic view that the good times are going to continue for home owners in 2021. https://globalnews.ca//royal-lepage-2021-home-price-forec/

If you're already in a variable mortgage, or thinking of going that route, I think you're not going to see a rate hike for a long while... https://www.cbc.ca//bank-of-canada-benchmark-interest-rate

Took over homeschooling today. . Call me at (226) 338-5136 for help with your downpayment math.

Gold is always nice! . Thank you to everyone who voted in the Waterloo Region Record's Readers Choice 2020 Awards. . I'm really thankful to have the support of so many partners and clients. Much appreciated!

Headlines like these make me cringe. . Sometimes a penalty can't be avoided, but there are many mortgage options with a fairer way to calculate. . Before you sign with your bank, let's have a quick conversation to ensure the rate you pay when you exit the mortgage, is just as good as the one you pay during it.... . Cell: (226) 338-5136 See more

There's no need to wait a long time to find out if you qualify for a mortgage. I can move as fast as you can provide me your information. . Send me a message at (226) 338-5136 or [email protected] and stop waiting!

Be careful reading splashy headlines like this... While I'm certain we will see some cooling off as we head into the fall, our market continues to be one of the most sought after places to live in Canada.

There are many factors that go into affordability: . Income, down payment, liabilities, property taxes, condo fees, heating cost, etc. . However, using some rough math, $52,000 annually with the minimum down payment would likely get someone a $250,000 home.... . So, while winning the lottery would certainly be sweet, if you want the lifestyle on the front of the ticket... you're definitely not retiring . . Call/text me at (226) 338-5136 today and I'll check your affordability. See more

Still a little time left... . A big thank you to everyone who has already taken the time to cast a vote! . https://www.therecord.com//subca/mortgage-company-services

I think it's fair to say we will have a cooling off from the craziness, but if you're one of those people waiting for a crash, I think you're going to be waiting a long, long time...

No surprise here.

Enjoy the day with your family and friends!

If you're going to purchase in a market this crazy, it is absolutely critical you have spoken to a mortgage professional prior to making an offer. Give me a call at (226) 338-5236 if you need a pre-approval.

Honoured to make the Top 10 in the Best Mortgage Company/Services category for the Waterloo Region Record Readers Choice Awards! Really thankful for the support so far, and any votes going forward would be much appreciated. https://www.therecord.com//subca/mortgage-company-services

There are no better clients than the ones who get referred by a partner or friend. Thanks to Jenn for the referral and support!

Good short read about 3 closing costs that clients often forget or don't know about.

The mortgage stress test dropped this week. . While that approximately 1.2% increase in spending power probably isn't going to make much of a difference to the average buyer, it's still a step in the right direction.

Small change, but still will help.

Brace yourself for about 1.2% more buying power!

You need a pre-approval from a mortgage professional. If you're thinking of jumping into this market which is as hot as Kevin's chilli, you need to know 100% what you qualify for. Give me a call or text (226) 338-5236 to get started.

KW breaking records... Toronto breaking records... The weather wasn't the only thing which was hot in July.

A new truck is great. . However, it may prevent you from getting the house you want. . Big trucks and nice cars almost always carry a large monthly payment. Since monthly debt obligations are a part of the mortgage approval process, that big car payment can seriously reduce the amount of mortgage you can qualify for.... . So maybe wait until you're in in your dream home before adding the dream car. See more

Getting a mortgage does not have to be a frustrating experience. I have only one phone number, and it doesn't start with "1-800". My hours aren't 9-5 M-F, and almost every part of the process I can do remotely. I have access to plenty of lenders, perhaps even your current bank.... Send me a text or call (226) 338-5136 and we'll get started right away.

If you're sitting on the sidelines waiting for housing prices to drop... I think you're going to be waiting a while.

"Interest rates are very low and they are going to be there for a long time" - Bank of Canada Governor Tiff Macklem Good news for anyone in a variable rate, or needing a mortgage in the next couple of years.... If you're paying too much in your current mortgage, shoot me an email or give me a call, and we will look at your options. Call (226) 338-5136, or email [email protected].