Jodie Kristian
207-3531 Uptown Boulevard V8Z 0B9 Victoria, BC, Canada

First step in the home buying process:

When you have exhausted all possibilities, remember this: you haven't. ~ Thomas Edison ~

https://www.timescolonist.com//taking-care-of-business-sta

When you have exhausted all possibilities, remember this: you haven't. ~ Thomas Edison ~

What an intelligent young man! Buying your first home instead of drinking whiskey.

Mortgage Pre Approvals 101: Mortgage Pre Approval does not mean you’re good to purchase with no concerns. Don’t be fooled by this and don’t put firm offers in on any property without calling your mortgage broker first. What many clients don’t know is a pre approval does not give you the right to go in on a purchase with a firm offer. #Realtors must understand this as well and protect the interest of your clients. You should always obtain condition for financing for a minimum ...Continue reading

Im very proud to reach this designation again with Dominion Lending. I want to thank my clients, friends, family, and my assistant, Ali Wagner for a successful year. I look forward to a successful 2020.

What an intelligent young man! Buying your first home instead of drinking whiskey.

Is this not true for all of us working in real estate??? Thanks for sharing cousin Bonnie Squire

Mortgage Pre Approvals 101: Mortgage Pre Approval does not mean youre good to purchase with no concerns. Dont be fooled by this and dont put firm offers in on any property without calling your mortgage broker first. What many clients dont know is a pre approval does not give you the right to go in on a purchase with a firm offer. #Realtors must understand this as well and protect the interest of your clients. You should always obtain condition for financing for a minimum ...Continue reading

https://www.ctvnews.ca//pattie-lovett-reid-with-interest-r

Is this not true for all of us working in real estate??? Thanks for sharing cousin Bonnie Squire

Last day of grade 2 (for Boone, not Todd).

the only thing I want to correct here is, when you are 'pre approved' you still should make your offer 'subject to final financing approval'. The lender never looks at supporting documents (ie. income and down payment) until there is an accepted offer (although there may be an exception here if you make a special request and, have a nice underwriter). Also, the property has to be approved by the lender. Its very rare that we can give the OK for financing before there is an accepted offer.....

https://business.financialpost.com//with-mortgage-rates-bo

https://www.ctvnews.ca//genworth-canada-says-it-won-t-foll Please contact me for details on upcoming changes and clarification on rule changes adopted by CMHC as of July 1. There are options!

this crisis is not easy on anyone. If you are concerned about making your mortgage payments or if you are renewing or refinancing in this market please call me and I can walk through your options.

Anyone wondering why rates have gone up despite the news telling us the Bank of Canada has lowered the overnight lending rate?

fellow clients: please read this so you can make an informed decision regarding whether to defer mortgage payments or refinance. Its completely disgusting when some people take advantage of others in times of crisis but that is the world we live in and we need to be aware: Deferred payment program - Some Realtors are getting conflicting info from brokers. Some brokers are advertising that deferred payment history WILL affect credit and their current lender will NOT allow th...em to refinance at the end of the deferral period or even at renewal. Therefore, CALL NOW TO REFINANCE before it's too late. Factual information: While decisions are ultimately case x case, multiple lenders have confirmed (monolines and a credit union) that history of deferred payments under this program will NOT be reported to credit and will NOT affect ability to refinance with their lender following deferral period or at renewal. Interview with a local credit union further confirmed that: there is a BIG difference between a missed payment and a deferred payment. Deferred payment is a mutual agreement with the lender. A missed payment with no communication or explanation - that is a problem. Also, the last thing any lender wants especially in this environment is to have to foreclose, so a refinance may be a very desirable win win.

Below is a list of lenders and numbers clients can call and request deferment for mortgage payments. Stay healthy friends! ATB 1-800-332-8383 B2B ... 1-800 263 8349 BMO 1-877-895-3278 Bridgewater 1-866-243-4301 CIBC 1-800-465-2422 CMLS 1-888-995-2657 Connect First 1-403-736-4000 Chinook Financial 1-403-934-3358 Equitable 1-888-334-3313 First Calgary Financial 1-403-736-4000 First National 1-888-488-0794 Haventree 1-855-272-0051 Home Trust 1-855-270-3630 HSBC 1-888-310-4722 ICICI 1-888-424-2422 Manulife 1-877-765-2265 MCAP 1-800-265-2624 Merix 1-877-637-4911 Marathon 1-855-503-6060 Optimum 1-866-441-3775 RBC 1-866-809-5800 RFA 1-877-416-7873 RMG 1-866-809-5800 Scotia 1-800-472-6842 Servus 1-877-378-8728 Street Capital 1-866-683-8090 TD 1-866-222-3456 Stay informed, proactive and positive!

some 'good news'.......

https://www.theglobeandmail.com//article-why-variable-mor/

https://www.theglobeandmail.com//article-bank-of-canada-c/

https://www.theglobeandmail.com//article-nine-things-mort/

our ecomony just keeps ticking along: https://www.theglobeandmail.com//article-canadas-job-mark/

https://www.theglobeandmail.com//article-td-drops-five-ye/

this has been posted before but I recently had a client think its better to get their mortgage from a bricks and mortar institution because they can walk into the local branch. She was not fully aware of the major difference in how banks calculate a penalty vs a monoline........

I seriously love my job! After 21 years or brokering I can honestly say I love working for my clients. Recent comments from a lovely lady I worked with below: 1). Jodie is extremely professional and proficient - with less than perfect credit she was able to get me one of the lowest rates available in the market! 2. Jodie will listen to your needs and continuously make herself available for questions or follow up. Even with though my mortgage was relatively small, I felt... like a very important client. 3. Jodies no pressure approach made me feel at ease immediately. Although it took over a year for my separation to go through, she patiently worked on several mortgage pre-approvals for me over that time to ensure I was always prepared - I cant thank her enough!

fixed rates are dropping while variable remains the same..... its important to know the benefits of each option. An experienced mortgage advisor can walk you through the ins and outs of each product.

This list applies to anyone buying a home. Purchasing can be a very 'emotional' experience. Don't allow emotions to cloud your better judgment. Follow these tips.

The most successful people in life are the ones who ask questions. They're always learning. They're always growing. They're always pushing. ~ Robert T. Kiyosaki ~

https://www.theglobeandmail.com//article-big-banks-prepay/

Proximity to work is an important deciding factor for new homebuyers. Tune in to this episode of #HomeGoals where we join Justyn on his home-buying journey. Tune in every Wednesday throughout October to watch new stories from real Canadian homebuyers!