Julia Bernier Mortgage Agent
871 Victoria St. N Unit 221A N2B3S4 Kitchener, ON, Canada

Let's talk about the possible changes to the mortgage stress test 1 This is only a proposal and nothing has been approved officially. 2 The proposed change would only impact UNINSURED mortgages. Most first time buyers require INSURED mortgages. Not all applicants will be affected. ... If you want to know how this may impact you, please reach out and I can offer insight. . . . #Invis #Mortgage #MortgageAdvice #MortgageApproval #MortgageTips #Waterloo #Kitchener #Cambridge #Guelph #WaterlooRegionRealEstate #WaterlooRegion #Ontario #MortgageAgent #Broker #Clients #Family #Finance #FinancialFreedom #Follow #FollowMe #Growth #Home #HomeLife #HomeLoan #HomeOwner #HomeSweetHome #House #RealEstate #RealEstateAgent #Wealth

CONTEST CLOSED Let's #supportlocal With the new restrictions and the April school break just around the corner, let's support a local business while shopping or eating out. ... I'm giving away a $100 gift card to your favourite local small business! Follow these simple steps to enter to win! 1) Like/Follow my page 2) Like this post 3) Tag a friend to encourage them to support too *Draw will take on Thursday at 4pm and winner will be contacted through Facebook and/or Instagram. This contest is in no way affiliated with Facebook or Instagram.* . . . #mortgageagent #mortgagebroker #Invis #mortgages #shoplocal #eatlocal #lockdown #Aprilbreak #schoolsout #Kitchener #Waterloo #WaterlooRegion #KWRealEstate

Wishing everyone a very Happy Easter. . . . #Easter #EasterSunday #Invis #Mortgage #MortgageAdvice #MortgageApproval #MortgageTips #Waterloo #Kitchener #Cambridge #Guelph #WaterlooRegionRealEstate #WaterlooRegion #Ontario #MortgageAgent #Broker #Clients #Family #Finance #FinancialFreedom #Follow #FollowMe #Growth #Home #HomeLife #HomeLoan #HomeOwner #HomeSweetHome #House #RealEstate #RealEstateAgent #Wealth

HAPPY LONG WEEKEND . . . #Invis #Mortgage #MortgageAdvice #MortgageApproval #MortgageTips #Waterloo #Kitchener #Cambridge #Guelph #WaterlooRegionRealEstate #WaterlooRegion #Ontario #MortgageAgent #Broker #Clients #Family #Finance #FinancialFreedom #Follow #FollowMe #Growth #Home #HomeLife #HomeLoan #HomeOwner #HomeSweetHome #House #RealEstate #RealEstateAgent #Wealth

Tax Deadline day is just a month away. Now is a great time to make sure you have access to your CRA online account. It’s important to ensure your information is always up to date and that you can always log into your account to gather information. . .... . #Invis #Mortgage #MortgageAdvice #MortgageApproval #MortgageTips #Waterloo #Kitchener #Cambridge #Guelph #WaterlooRegionRealEstate #WaterlooRegion #Ontario #MortgageAgent #Broker #Clients #Family #HomeLife #Budget #CMHC #DownPayment #FirstTimeHomeBuyer #FirstTimeHomeBuyers #HomeBuyer #HomeBuyersPlan #HomeBuying #HomePurchase #HouseHunting #PreApproval #NewHome #MortgageRate See more

A great way to start saving for a home is to set up an automatic deposit into a savings account on each pay day. Pick an amount that you can afford to take off each paycheque and begin to save NOW! . . . .... #Invis #Mortgage #MortgageAdvice #MortgageApproval #MortgageTips #Waterloo #Kitchener #Cambridge #Guelph #WaterlooRegionRealEstate #WaterlooRegion #Ontario #MortgageAgent #Broker #Clients #Family #HomeLife #Budget #CMHC #DownPayment #FirstTimeHomeBuyer #FirstTimeHomeBuyers #HomeBuyer #HomeBuyersPlan #HomeBuying #HomePurchase #HouseHunting #PreApproval #NewHome #MortgageRate See more

Your home buying team is your greatest asset and you need to make sure you have the right team in place before you begin your home buying process. Here are some tips to consider. 1Select a Mortgage Agent who protects your interests and advises you on options and choices that will help you meet your financial goals. Not all mortgages are made equal and as a Mortgage Agent, I find the Mortgage that is right for YOU. 2Find a Real Estate Agent who listens and knows the market... well. This will ensure you are getting what you want in a property and also that you are making a sound investment at the right price. 3Real Estate legal transactions are common but you still want to ensure you have a lawyer working on your behalf and who will answer any questions you have. Find a lawyer who is available on a regular basis and approachable. If you don’t know how to start building your team, let me help you! . . . . #Invis #Mortgage #MortgageAdvice #MortgageApproval #MortgageTips #Waterloo #Kitchener #Cambridge #Guelph #WaterlooRegionRealEstate #WaterlooRegion #Ontario #MortgageAgent #Broker #Clients #Family #HomeLife #Budget #CMHC #DownPayment #FirstTimeHomeBuyer #FirstTimeHomeBuyers #HomeBuyer #HomeBuyersPlan #HomeBuying #HomePurchase #HouseHunting #PreApproval #NewHome #MortgageRate See more

Rain, flowers, sunshine and For Sale signs..What’s your favourite part about Spring? . . . #Invis #Mortgage #MortgageAdvice #MortgageApproval #MortgageTips #Waterloo #Kitchener #Cambridge #Guelph #WaterlooRegionRealEstate #WaterlooRegion #Ontario #MortgageAgent #Broker #Clients #Family #HomeLife #Budget #CMHC #DownPayment #FirstTimeHomeBuyer #FirstTimeHomeBuyers #HomeBuyer #HomeBuyersPlan #HomeBuying #HomePurchase #HouseHunting #PreApproval #NewHome #MortgageRate

. . . #Invis #Mortgage #MortgageAdvice #MortgageApproval #MortgageTips #Waterloo #Kitchener #Cambridge #Guelph #WaterlooRegionRealEstate #WaterlooRegion #Ontario #MortgageAgent #Broker #Clients #Family #Finance #FinancialFreedom #Follow #FollowMe #Growth #Home #HomeLife #HomeLoan #HomeOwner #HomeSweetHome #House #RealEstate #RealEstateAgent #Wealth

Wishing everyone a Happy #StPatricksDay! . . . #Invis #Mortgage #MortgageAdvice #MortgageApproval #MortgageTips #Waterloo #Kitchener #Cambridge #Guelph #WaterlooRegionRealEstate #WaterlooRegion #Ontario #MortgageAgent #Broker #Clients #Family #HomeLife #Budget #CMHC #DownPayment #FirstTimeHomeBuyer #FirstTimeHomeBuyers #HomeBuyer #HomeBuyersPlan #HomeBuying #HomePurchase #HouseHunting #PreApproval #NewHome #MortgageRate

ATT: FIRST TIME BUYERS Educating yourself about the mortgage and home buying process before heading into the house hunting world is always a good idea. Let me walk you through the process and provide you with a step by step guide so you know exactly what to expect. Shoot me a message to set up a time to chat . .... . #invis #Mortgage #MortgageAdvice #MortgageApproval #MortgageTips #Waterloo #Kitchener #Cambridge #Guelph #WaterlooRegionRealEstate #WaterlooRegion #Ontario #MortgageAgent #Broker #Clients #FirstTimeHomeBuyer #HomeBuyer #PreApproval #NewHome #FirstHome #MortgageRate #Budget #Home See more

That moment when you know you've won them over. First time buyers are ever challenged in today's super hot real estate market. Cosigning parents have become super common in order to help get their children qualified to purchase now. Parents often come with a more critical eye and lots of opinions. Honest advice and genuine caring is my magic combo to win them over. #firstimehomebuyer #cosignors #momanddadforthewin #MortgageAgent #mortgage #workingmom #northdumfries #waterlooregion #waterlooregionrealestate #mortgage #qualified

Don’t forget that it’s Daylight Savings time! If you’re losing sleep over more than just the time change, reach out and I can offer financial solutions that will take care of your debt, take a load off your shoulders and have you sleeping soundly again in no time. . .... . . #Invis #Mortgage #MortgageAdvice #MortgageApproval #MortgageTips #Waterloo #Kitchener #Cambridge #Guelph #WaterlooRegionRealEstate #WaterlooRegion #Ontario #MortgageAgent #Broker #Clients #Family #Finance #FinancialFreedom #Follow #FollowMe #Growth #Home #HomeLife #HomeLoan #HomeOwner #HomeSweetHome #House #RealEstate #RealEstateAgent #Wealth See more

Check out Brittany Schmidt Realty Team for her 24 days of Giveaways! I got the honor of donating the giveaway for DAY ONE. Join the contest for your chance to win!

I wanted to share a recent review I received from a long time and valued client. I am so grateful when clients take a moment and recommend me on google. "We have used Julia twice now for our mortgage. Once when we purchased our first home and then again to renew it five years later. When purchasing our first home she was incredibly patient and walked through the whole process with us to make it a lot less stressful and overwhelming. She used language and comparisons that we understood and made sure we felt confident and knowledgeable after our discussions with her. When renewing our mortgage throughout covid, she answered any and all questions in a timely manner and was continuously keeping us in the loop with new mortgage rates. We can’t thank her enough for keeping the process easy and stress free!"

Only a week left to donate to Angel's in the Night 2020. Invis Mortgage Intelligence set a goal to raise 100K across Canada. We are about 60% of the way to achieving that goal. Our KW Angel's set our own smaller goal of raising 10K locally. We are about 60% of the way to that goal as well. In the past we have had tons of opportunity to raise money with various charity events over the course of the year. It goes without saying that we were not able to do that this year. We ...need your help to be able to make sure 2020 doesn't put a damper on the aid we are able to provide our homeless community. All proceeds will be delivered to 5 of our local shelter's just before Christmas to help them support their residents better over the cold winter months. https://www.eventbrite.ca/.../angels-in-the-night-2020...

Have I ever told you I am part of an amazing BNI networking group with the most wonderful group of business owners! (I'm pretty sure I have ) One of these wonderful people is my girl Myrtle Mitton- the best Tupperware lady in town. She is sooo close to crushing her July goal and has asked for our help to get her there. So in order to help her acheive this goal I thought I'd run a little contest. Everyone who likes this post before the end of the day will be entered into a draw to win a set of these amazing water bottles. Please also comment the size of bottles you would like if you win! I will draw 4 winners first thing tomorrow morning!

Do you currently rent? Have you noticed rent rates are going up in the Region? Have you ever wondered if you will qualify for a mortgage? This is something I work through with clients all the time. I review an application, income documentation and credit reports to determine what you will qualify for now. Sometimes young potential buyers don't currently qualify for enough to enter the market and that is ok. Together we can create a plan for home ownership. I provide tips to... improve your credit, and beef up your savings as well as educate you on lender guidelines so you can be best prepared when the time to buy is right. Contact me today for a no cost review and to plan for your future!

Who wants to come out for a night of fun supporting a great cause! 8th Annual Angels in the Night pub night October 17th at the Fork and Cork starting at 530pm- tickets 20$. Silent Auction, fun games, good company, great food and drinks. This cause has grown into a labor of love. The response we get from the local homeless shelters we support is so moving and just a great reminder of how lucky we are! Let me know if you would like tickets in advance or have an item to donate to our auction table and I can make drop off/ pick up arrangements.

First day of School! Chantel Williams and I had an opportunity to chat with a group of Eastwood Collegiate students this morning about mortgages and real estate. REAL LIFE things that kids need to know in order to be set up for success. Thanks so much to their teacher and to Chantel for inviting me out. If you know anyone who is just about to graduate - I'd love to provide them with some free advice to get a great start on building credit and down payments to help them one day potentially own a home. Chantel Williams TrilliumWest Real Estate Brokerage Invis & Mortgage Intelligence

After a weekend at home with my SUPER BATGIRL, I find myself combating the Monday Blues by flipping through my pics from our fun weekend together! #girlsnight #girlsday #superbatgirl #mortgagemama #workhardplayhard

Word of mouth referral networking at it's finest happens every Tuesday at the Fork and Cork. Want to hear what it is all about, connect with like minded professionals and watch your business grow? PM me and I will send you a private invite to our VISITOR DAY!!! We already have a dozen guest registered for you to meet... what are you waiting for?