Krista Klein Mortgages October Newsletter 2021 Edition #72

Krista Klein - Mortgage Broker

Powered by Pacific West Mortgages & Mortgage Architects

krista@kristakleinmortgages.ca
604 618 2017
http://www.kristakleinmortgages.ca

Krista - Facebook Krista - Instagram Krista - Twitter Krista - Linkedin

October Foreclosures

 

Oct 2021 Pitt Maple Attached
Oct 2021 Burnaby Attached
Oct 2021 Chilliwack Attached
Oct 2021 DeltaWhiterock Attached
Oct 2021 DeltaWhiterock Detached
Oct 2021 Langley Attached
Oct 2021 Chilliwack Detached
Oct 2021 Langley Detached
Oct 2021 Mission Detached
Oct 2021 Burnaby Detached
Oct 2021 Pitt Maple Detached
Oct 2021 Surrey Detached
Oct 2021 West Vancouver Detached
Oct 2021 Surrey Attached
Oct 2021 TriCties Attached
Oct 2021 Richmond Attached
Oct 2021 Richmond Detached
Oct 2021 Vancouver Attached
Oct 2021 Vancouver Detached
Oct 2021 TriCties Detached
Oct 2021 West Vancouver Attached



What is Bridge Financing?

 

Let’s say you have a home that you’ve outgrown, it’s time to make a move to something more suited for your family. You have no desire to keep two houses, so you decide that selling your existing home and moving into something new is the best idea.

Ideally, when planning out how that looks, most people want to take possession of the new house before having to move out of the old one. Not only does this make moving (your stuff) easier, it allows you to make the house a little more “you” by adding some paint or doing some small renovations before moving in.

But what if you need the money from the sale of your existing house to come up with the down payment for your next house? This is where bridge financing comes in. Bridge financing allows you to bridge the financial gap between the firm sale of your current home and the purchase of your new home. Bridge financing allows you to access some of the equity in your existing property to be used towards the down payment on the property you are buying.

Now, here is where people get confused. In order to secure bridge financing you must have a firm sale on your existing house. If your house isn’t sold you won’t get the bridge financing because the property has to be sold in order for the lender to get their bridge loan back.



Hallowe'en Events that Will Scare You!

 

Hallowe'en is just around the corner! There is no better way to get into the Hallowe'en mood then by checking out these spooky events near you! My personal favourite is the Vancouver Walking tour and learning about the Vancouver's Dark history. 

Check out the list here: Spooky Events



Meet My Social Media Manager

 

I have had quite a few people notice my social media has become 'better'. Well, I would pretend it was all me but lets be real. 

I would love you meet my friend Kat.  We have been friends since we were 4 years old and she is a highly regarded Canadian Artist. 

Check out her artwork here: 

Etsy: Click Here

Facebook: Click Here

Pinterest: Click Here



Mortgage Rates Continue to be at all Time Lows!

 

If you mortgage is up for renewal in the next 2 years, and you are paying 2.5 percent or higher send me a message.

In most cases it can be advantageous to break your existing term, lower your rate, save your penalty, and much more by your maturity date.

By doing this you will also guarantee yourself to be locked in for an additional 5 years at a very low rate! The banks certainly won't tell you this, but I work for you not the banks/lenders.

PM me and let's take a look!



30+ October Facts!

 

These are super interesting October facts and trivia for those born in the tenth month of the year.

1. Tourmaline and opal are the official birthstones of October.

2. The birth flower of October is the bright orange calendula, also known as the marigold.

3. The star sign of everyone born in October is either a Libra or a Scorpio. Libras are born between 23 September to 22 October and Scorpios are born between 23 October to 21 November.

4. Shakespeare never mentioned October in any of his plays or sonnets!

5. Matt Damon, Julie Andrews, Hillary Clinton, Bill Gates, Katy Perry, Julia Roberts and even Christopher Columbus were all born in October!

6. In German and Dutch, October is called 'Oktober', in Italian it is 'Ottobre', in Turkish it is 'Oketopa' and in Korean it is 'Siweol'.

7. Babies born each year during October are thought to be very smart and are usually high achievers.

8. October is the tenth month of the year and is the sixth of seven months to have 31 days.

9. October and January always start on the same day of the week in common years. In leap years, October doesn't start on the same day of the week as any other month. October and February also always end on the same week day!

Click the link HERE to read more!🎃



Krista Klein Mortgages September Newsletter 2021 Edition #71

Krista Klein - Mortgage Broker

Powered by Pacific West Mortgages & Mortgage Architects

krista@kristakleinmortgages.ca
604 618 2017
http://www.kristakleinmortgages.ca

Krista - Facebook Krista - Instagram Krista - Twitter Krista - Linkedin

Foreclosures

 

SEPT 2021 Abbotsford Attached
SEPT 2021 Burnaby Attached
SEPT 2021 Burnaby Detached
SEPT 2021 Coquitlam Attached
SEPT 2021 Coquitlam Detached
SEPT 2021 Langley Attached
SEPT 2021 Maple Ridge Detached
SEPT 2021 Mission Detached
SEPT 2021 North Delta Detached
SEPT 2021 Okanagan
SEPT 2021 Pitt Meadows Detached
SEPT 2021 Richmond Attached
SEPT 2021 Richmond Detached
SEPT 2021 Shuswap
SEPT 2021 Surrey Attached
SEPT 2021 Surrey Detached
SEPT 2021 Vancouver East Attached
SEPT 2021 Vancouver East Detached
SEPT 2021 Vancouver West Attached
SEPT 2021 Vancouver West Detached
SEPT 2021 West Vancouver Attached
SEPT 2021 West Vancouver Detached

Above is a list of foreclosures in the Lower Mainland and beyond.  There are some great deals to be had for either your own home or as a rental property.   Check them out at the links above.



Canadian Federal Election on Monday, September 20th

 

The federal election has been announced and Canadians will go to the polls on Monday, September 20th to determine who will lead our great nation for the next term.  Having both studied political science at SFU, Jamie and Michelle take a keen interest in what each party's platform is, especially when it comes to housing.  

Below is a link to an excellent article summarizing each of the main political party's promises on housing.  Check it out!

Summary of Housing Promises from Canada’s Main Political Parties



Bank of Canada keeps key interest rate on hold at 0.25 per cent

 

OTTAWA -- The Bank of Canada kept its key interest rate target on hold Wednesday as it warned the fourth wave of the pandemic and supply bottlenecks could weigh on the economic recovery.

The central bank held its target for the overnight rate at 0.25 per cent, what it calls the effective lower bound, and said it will also maintain its quantitative easing program by buying bonds at a target pace of $2 billion per week.

"The governing council judges that the Canadian economy still has considerable excess capacity, and that the recovery continues to require extraordinary monetary policy support," the bank said in its decision.

Continue reading here...



Last Days of Summer

 

One of my favorite places to go for a quick hike in Lynn Canyon which is located at the top Lynn Vally Road in North Vancouver. There are hikes here for all different levels and it's a nice way to enjoy the end of summer.



Rent Freeze Lifted and Can Increase to 1.5%

 

Rent Increase Freeze
The provincially mandated rent increase freeze is set to expire January 1st, 2022 and the Residential Tenancy Branch has announced the 2022 maximum rent increase percentage. The Residential Tenancy Act and Regulations establish the percentage of increase, timing, and notice period and a landlord must follow the correct process to ensure their increase is valid. Below is a breakdown of what landlords need to know to effectively raise rent.

Percentage
The maximum percentage a landlord may increase is set by the Residential Tenancy Branch each year at the end of August to be effective the following January. The amount for 2022 has been set at 1.5%.

To determine each year’s rent increase percentage the Residential Tenancy Branch uses the formula set in Section 22 of the Residential Tenancy Regulations. Section 22 states:

Annual rent increase

22 (1)  In this section, “inflation rate” means the 12-month average percent change in the all-items Consumer Price Index for British Columbia ending in July that is most recently available for the calendar year for which a rent increase takes effect.

(2)  For the purposes of section 43 (1) (a) of the Act [amount of rent increase], a landlord may impose a rent increase that is no greater than the percentage amount calculated as follows:

percentage amount = inflation rate



Variable Rates Are Low

 

Variable rates are low for principal residences and rentals.  I would be analyzing if it makes sense to refinance your property to a lower rate.  

Variable rates are ranging from 1.2 to 1.6 depending on if it's an insured switch or conventional. 



Krista Klein Mortgages June Newsletter 2021 Edition #70

Krista Klein - Mortgage Broker

Powered by Pacific West Mortgages & Mortgage Architects

krista@kristakleinmortgages.ca
604 618 2017
http://www.kristakleinmortgages.ca

Krista - Facebook Krista - Instagram Krista - Twitter Krista - Linkedin

June Foreclosures

 

Abbotsford Condos & Townhomes
Abbotsford Houses
BC Northern Houses
Burnaby Condos & Townhomes
Chilliwack Condos & Townhomes
Cloverdale Condos & Townhomes
Cloverdale Houses
Ladner Houses
Langley Houses
Maple Ridge Houses
New Westminster Condos & Townhomes
North Delta Houses
North Surrey Houses
North Vancouver Condos & Townhomes
North Vancouver Houses
Port Moody Houses
Richmond Condos & Townhomes
Richmond Houses
Surrey Condos & Townhomes
Surrey Houses
Vancouver East Condos & Townhomes
Vancouver East Houses
Vancouver West Condos & Townhomes
Vancouver West Houses
West Vancouver Houses
Whistler Condos & Townhomes



Home Owner Tax Grant for 2021

 

Starting in 2021, residents in municipalities no longer apply for the home owner grant through their municipal office. Everyone now applies directly to the province using a new online system that’s easy to use and will process applications faster.

There are 3 ways you can apply:

1. Online with this link ONLINE

2. By phone 1-888-355-2700

3. At a Service BC Location

You can apply as soon as you receive your property tax bill, typically in late May or early June. The Ministry of Finance announced that the 2021 Home Owner Grant threshold is set at $1.625 million, saying it ensures the same percentage of British Columbia homeowners continue to be eligible.



Going Back Country at Yo Ho National Park

 

A few weekends go, my friends and I headed backcountry. We went to Yo Ho National park and hiked a total of 39km. Yes, my body felt it afterward. 

In a matter of 3-days, I experienced 4-seasons. Layers are your best friend when you hike alpine. 

We saw some stunning, powerful waterfalls and remnants of an avalanche. 

Yo Ho National park is stunning and worth the visit. 



Remember to Pay Your Property Taxes

 

Property taxes are due for most municipalities by July 5, 2021. If you forget to pay them on time, you might void your homeowner grant.

If you have not received your property tax bill, please contact your municipality and get the right information over the phone.



Krista Klein Mortgages April Newsletter 2021 Edition #69

Krista Klein - Mortgage Broker

Powered by Pacific West Mortgages & Mortgage Architects

krista@kristakleinmortgages.ca
604 618 2017
http://www.kristakleinmortgages.ca

Krista - Facebook Krista - Instagram Krista - Twitter Krista - Linkedin

Foreclosures

 

Apr 2021 Abbotsford Attached
Apr 2021 Abbotsford Detached
Apr 2021 Burnaby Attached
April 2021 Coquitlam Detached
Apr 2021 Langley Detached
April 2021 Maple Ridge Detached
Apr 2021 Mission Detached
April 2021 N. Delta Detached
Apr 2021 New Westminster Attached
Apr 2021 North Vancouver Attached
April 2021 North Vancouver Detached
Apr 2021 Northern BC Attached
Apr 2021 Northern BC Detached
Apr 2021 Okanagan
Apr 2021 Richmond Attached
April 2021 Richmond Detached
Apr 2021 Shuswap
Apr 2021 Surrey Attached
Apr 2021 Surrey Detached
April 2021 Vancouver East Detached
Apr 2021 Vancouver West Attached
April 2021 Vancouver West Detached
April 2021 West Vancouver Detached

Above is a list of foreclosures in the Lower Mainland and beyond. 



Take a Listen!

 

I was asked to be on the 'All Things Renovation' podcast by Brandy Kawulka to discuss financing renovations. It was such a cool experience and I am happy how it turned out. 

Brandy Kawulka is the founder of Wood Be Art and of the podcast, All Things Renovation. In this podcast, we go through the fun journey of financing your renovations at the time of purchase to refinancing your home to pull equity out. We even go as far as to discuss full construction financing. 

 I am super excited about how it turned out and proud to share it with you! Take a listen here on Spotify: LISTEN HERE

To learn more about Brandy and her business, check out her business webpage Wood Be Art

For full episode guide to 'All Things Renovation' check it out here!



Let's Be Social!

 

I would love to connect with you on Social Media! For up to date mortgage news or if you are just curious what I am up to.....Connect with me on these platforms! 

Instagram - Follow Here

Linkedin - Add me as a Friend

Facebook - Like Me Here

I look forward to connecting with you!



Let's Chat Mortgages!

 

I am always happy to connect with you to chat about all things mortgages! If you currently have a mortgage and would like to know if there is a way to save money, I would be happy to run those numbers for you! 

If you are considering getting into the market and not sure where to start! Let me guide you. 

Here is a link to my calendar. Book Here!

Please schedule a time that works for you and I would love to connect with you! 



Home Owner Tax Grant for 2021

 

Starting in 2021, residents in municipalities no longer apply for the home owner grant through their municipal office. Everyone now applies directly to the province using a new online system that’s easy to use and will process applications faster.

There are 3 ways you can apply:

1. Online with this link ONLINE

2. By phone 1-888-355-2700

3. At a Service BC Location

You can apply as soon as you receive your property tax bill, typically in late May or early June. The Ministry of Finance announced that the 2021 Home Owner Grant threshold is set at $1.625 million, saying it ensures the same percentage of British Columbia homeowners continue to be eligible.



BC RECOVERY BENEFIT

 

Did you know you have until June 30, 2021 to apply for the BC Recovery Benefit?

$1,000 for eligible families and $500 for eligible individuals.

You will need these 3 items:

1: Amount from Line 23600 from your 2019 Notice of Assessment

2: Driver's license or BC ID card

3: Banking information for direct deposit only (no cheques will be mailed)

The eligibility threshold is $62,000 per individual to receive the full $1,000.

The maximum is $175,000 per individual to receive a reduced amount.

If you made more than this amount, you do not qualify for the benefit.



Krista Klein Mortgages March Newsletter 2021 Edition #68

Krista Klein - Mortgage Broker

Powered by Pacific West Mortgages & Mortgage Architects

krista@kristakleinmortgages.ca
604 618 2017
http://www.kristakleinmortgages.ca

Krista - Facebook Krista - Instagram Krista - Twitter Krista - Linkedin

List of Foreclosures

 

Coquitlam Attached
Abbotsford Attached
North Vancouver Attached
Langley Attached
Ladner Attached
New Westminster Attached
Richmond Attached
Vancouver East Attached
Surrey Attached
Burnaby Attached
Delta Detached
South Surrey White Rock Detached
Pitt Meadows Detached
North Vancouver Detached
Surrey Detached
Port Moody Detached
Richmond Detached
Vancouver West Detached
Vancouver East Detached
West Vancouver Detached



BC RECOVERY BENEFIT

 

Did you know you have until June 30, 2021 to apply for the BC Recovery Benefit?

$1,000 for eligible families and $500 for eligible individuals.

You will need these 3 items:

1: Amount from Line 23600 from your 2019 Notice of Assessment

2: Driver's license or BC ID card

3: Banking information for direct deposit only (no cheques will be mailed)

The eligibility threshold is $62,000 per individual to receive the full $1,000.

The maximum is $175,000 per individual to receive a reduced amount.

If you made more than this amount, you do not qualify for the benefit.



Hiking with Kavik

 

My client/friend invited me out a few weeks to go to join her and her 2-dogs for a hike. Kavik was a blast to hike with. He is obsessed with carrying giant branches and small logs. We took this picture together and just had to share his cuteness. 



*Reminder* - Vacancy & Spec Tax Exemption Declarations

 

I just wanted to send out a friendly reminder that your Declaration for the Vacancy & Speculation Tax exemption is due on or before tomorrow, Wednesday, March 31st. 

You will need the Declaration Code and Letter ID numbers from the letter that would have been mailed to you. You can submit your declaration online here -

https://www.etax.gov.bc.ca/SVT/_/

Questions? If you have any questions, please call toll free 1-833-554-2323.



I Hope Everyone Enjoys the Easter Long Weekend!

 



Krista Klein Mortgages January Newsletter 2021 Edition #67

Krista Klein - Mortgage Broker

Powered by Pacific West Mortgages & Mortgage Architects

krista@kristakleinmortgages.ca
604 618 2017
http://www.kristakleinmortgages.ca

Krista - Facebook Krista - Instagram Krista - Twitter Krista - Linkedin

Updated Real Estate Market Reports and Foreclosure Lists

 

Market Report Fraser Valley
Market Report Greater Vancouver
Market Report Metro Vancouver
Foreclosures Abbotsford Attached
Foreclosures Abbotsford Detached
Foreclosures BC Northern Attached
Foreclosures BC Northern Detached
Foreclosures Burnaby Attached
Foreclosures Chilliwack & Area Attached
Foreclosures Chilliwack & Area Detached
Foreclosures Coquitlam Attached
Foreclosures Ladner Attached
Foreclosures Langley Attached
Foreclosures Langley Detached
Foreclosures Mission Attached
Foreclosures New Westminster Attached
Foreclosures North Surrey Attached
Foreclosures North Vancouver Attached
Foreclosures North Vancouver Detached
Foreclosures Pitt Meadows Detached
Foreclosures Port Moody Detached
Foreclosures Richmond Attached
Foreclosures Richmond Detached
Foreclosures South Surrey & White Rock Attached
Foreclosures South Surrey & White Rock Detached
Foreclosures Surrey Attached
Foreclosures Surrey Detached
Foreclosures Tsawwassen Attached
Foreclosures Vancouver East Attached
Foreclosures Vancouver East Detached
Foreclosures Vancouver West Attached
Foreclosures Vancouver West Detached
Foreclosures West Vancouver Detached

See the below links for the updated Lower Mainland Market Reports for any city and neighbourhood along with updated Foreclosures Homes for every city!



My Mortgage App

 

If you love running numbers, this is the app for you!

It includes everything you need to estimate your homeownership costs. You can calculate mortgage scenarios, get pre-qualified, browse thousands of rates, stress test, land transfer taxes, closing costs and so much more.

Click Here for the App



Changing Address at Land Title Office

 

Have you ever wondered what address the BC Government uses to send you the Speculation tax forms?

Well, the obvious answer is the address that is on your driver's license which is WRONG. 

They use the address that you originally registered when you purchased or refinanced your property.

I had a client who discovered this the hard way. She had moved a few times since she purchased a property and could not understand why she was not getting her speculation tax mail. 

If you have a different address on the title than where you currently live, you have to update Land Titles Office for each individual property each time you move. 

I recommend you take a closer look and update your address accordingly. 

CLICK Here to Learn More



Enjoying The Mountian

 

Snowboarding is my happy place and I can not wait to explore new mountains when we are able to. 


What is your favorite mountain to ski or snowboard at? And why?



How To Get Access The Equity In Your Home

 

If you’ve been a homeowner for many years, chances are your property value has increased significantly. One advantage of homeownership is the opportunity to build equity. Home equity growth, partnered with the security of living in your own home, is why most Canadians believe homeownership is the best choice for them!

Simply put, home equity is the actual market value of your property minus what you owe. For instance, if your home has a market value of $900,000 and you owe $300,000, you have $600,000 in home equity.  

With much lower interest rates than other credit options, your equity can drastically improve your financial situation.  Here are four options to consider to access equity in your home without selling it:  

1.Refinance your Mortgage

Assuming you qualify for the mortgage, most lenders will allow you to borrow up to 80% of your property’s value by refinancing. This could give you access to the funds you need to upgrade your kitchen, add a home office or consolidate higher interest debt. 

2.Reverse Mortgage

A reverse mortgage allows Canadian homeowners who are 55 and older to turn the equity in their home into tax-free cash. There is no income or credit verification, you maintain ownership of your home, and you aren’t required to make any mortgage payments. The full amount of the mortgage will become due when you decide to move or sell. This is an excellent option for those that are opting to "Age in Place" in the comfort of their own homes. 

3.Home Equity Line of Credit (HELOC)

A Home Equity Line of Credit allows you to set up access to the equity you have in your home, but you only pay interest if you use it.  Unlike a conventional mortgage, a HELOC doesn’t have an amortization schedule, so you’re only required to make the interest payments on the amount you’ve borrowed.  This is a fantastic option if you know you have expenses coming up but want to maintain flexibility in the amount and timing of what you borrow. 

4.Second Position Mortgage

If the cost to break your mortgage is really high, but you need access to cash before your existing mortgage renews, consider a second mortgage.  The cost can be high for second mortgages, but it is often less than a penalty to break the mortgage. A second mortgage can be a short term solution to get you the funds you need now and can be rolled into your low-interest mortgage when it comes up for renewal.    

Contact us at 604-618-2017 to find out which option will work best for your unique situation. Our professional advice is always free.  



May 1907 - Ride through Victoria and Vancouver, Canada

 

May 1907 - Ride through Victoria and Vancouver, Canada (speed corrected w/ added sound)

I love looking at old footage of Vancouver. This is a neat video that takes us through the city streets of Victoria and Vancouver. 


Do you recognize any of these buildings?



Krista Klein Mortgages December Newsletter 2020 Edition #66

Krista Klein - Mortgage Broker

Powered by Pacific West Mortgages & Mortgage Architects

krista@kristakleinmortgages.ca
604 618 2017
http://www.kristakleinmortgages.ca

Krista - Facebook Krista - Instagram Krista - Twitter Krista - Linkedin

Where to See Christmas Lights in Metro Vancouver

 

One of my favorite Christmas activities is to enjoy the light displays set up in and about Metro-Vancouver. Many of these displays are free to the family and a great way to spend a few hours over the holiday season. 

If you are interested in checking out some light displays here is a list of light displays to check out! Christmas Light Displays and Activies



Save HUGE On Your Mortgage

 

Now is the time to consider refinancing your existing mortgage. Rates are at an all-time low and seem to continue to be on the decline.

1. What is your existing rate? Fixed or Variable? Lender?

2. What is the remainder of your mortgage term? 

3. Do you have debt you would like to consolidate into an ultra-low rate?

4. What is the mortgage penalty to break your mortgage?

With these 4-questions answered, I can mathematically analyze if it makes sense to break your current mortgage and refinance into one of today's ultra-low rates. 

Please email/call me (604-618-2017) to see if it makes sense to refinance today! 



Stay Connected!

 

I would love to stay connected with you daily!  Please connect with me on the following platforms! 

1. Facebook

2. Instagram

3. Linkedin

Thank you so much for connecting with me!



Seasons Greetings and Warm Wishes Over the Holidays

 

I wanted to send you and your family warm wishes over this holiday season! 



Check Out This Instagram Account!

 

I love seeing old pictures of Vancouver. I love to see what buildings are still standing and how Vancouverites enjoy the same exact activities as we do today! 

I stumbled across this Instagram account showcasing some of the coolest pictures of Vancouver I have ever seen. 

If you are interested in seeing Vancouver back in the day, check out this Instagram account HERE!



When Will The 5-year Fix Bottom Out?

 

Every single day it seems the 5-year fix rate is at an all-time low! Yes, exciting! 

The question is.....when will it actually bottom out? How low can it actually go?

I personally have no idea as every time I see it go lower......I am in disbelief. 

The one main tip I am sharing with my clients who REALLY want a low 5-year fix rate is to choose a variable. Why do you ask?

Because as rates continued to drop, you can switch to a fixed rate when we finally reach the bottom. 



Krista Klein Mortgages November Newsletter 2020 Edition #65

Krista Klein - Mortgage Broker

Powered by Pacific West Mortgages & Mortgage Architects

krista@kristakleinmortgages.ca
604 618 2017
http://www.kristakleinmortgages.ca

Krista - Facebook Krista - Instagram Krista - Twitter Krista - Linkedin

Foreclosures

 

Nov 2020 Abbotsford Detached
Nov 2020 Burnaby Attached
Nov 2020 Burnaby Detached
Nov 2020 Chilliwack Attached
Nov 2020 Chilliwack Detached
Nov 2020 Coquitlam Attached
Nov 2020 Coquitlam Detached
Nov 2020 Commercial
Nov 2020 Land
Nov 2020 Langley Attached
Nov 2020 Langley Detached
Nov 2020 Maple Ridge Attached
Nov 2020 Maple Ridge Detached
Nov 2020 Multifamily
Nov 2020 New West Attached
Nov 2020 New West Detached
Nov 2020 North Vancouver Attached
Nov 2020 North Vancouver Detached
Nov 2020 Northern BC Attached
Nov 2020 Northern BC Detached
Nov 2020 Okanagan
Nov 2020 Pitt Meadows Detached
Nov 2020 Port Moody Detached
Nov 2020 Richmond Attached
Nov 2020 Richmond Detached
Nov 2020 Shuswap
Nov 2020 Surrey Attached
Nov 2020 Surrey Detached
Nov 2020 Vancouver Attached
Nov 2020 Vancouver Detached
Nov 2020 West Vancouver Detached



Did you Defer? Order Your Equifax Report to Ensure No Surprises.

 

Did you defer your mortgage? Car loan? Credit cards? 

Please order your Equifax report and ensure these deferments are not being reported as miss payments. I have heard through the grapevine that some people discovered the hard way their deferred payments were reported as missed payments and this is NOT good for your credit score. 

Equifax is allowing a consumer to request a copy of their credit report for FREE! I recommend you utilize this offer to ensure everything is in proper working order! If it looks like your lender has wrongfully reported your 

If you would like to request a copy of your credit report, please click here



Mental Health Resources

 

This year will undoubtedly go down as one of the most trying years of most of our lifetimes.  As the COVID-19 pandemic rages, we are also being confronted with the emotional impact of having virtually every aspect of our day-to-day lives altered in some way or another. 

Whether you are a business owner who has faced the closure of your business, a parent dealing with new education guidelines for your children, an employee adjusting to working from home or, like all of us, a simple human getting used to being separated from our loved ones and wearing a mask, mental health is of vital concern for us all. 

If you or someone you love is suffering with depression, anxiety or any other mental stress, please know that help is available.  Below are links to resources which can save a life.

Crisis Line Association of BC

1800SUICIDE (24 hours): 1-800-784-2433 310

KUU-US Aboriginal Crisis Line

Toll Free (24 hours): 1-800-588-8717

Youthspace.ca (NEED2 Suicide Prevention, Education & Support)

Youth Text (6pm-12am): (778) 783-0177

Youth Chat (6pm-12am): www.youthspace.ca



Hanging out with Santa!

 

I just wanted to say HI from Santa and me. 

I can not believe December is almost here and we are entering into the Holiday season! 

I would love to connect with you to discuss your current mortgage needs! Mortgage rates are the lowest they have ever been and many people are considering refinancing into a lower rate.

Let's run the numbers together to see how much this can save you! 

Please reach out as I would love to chat! My direct line is 604-618-2017!



Special Invitation - IG Private Wealth Management Invites you to "Twelve Dates of Christmas".

 

IG Private Wealth Management invites you to
a special digital performance of The Twelve Dates of Christmas

 

Thursday, December 3, 2020
7pm PT – 8:30pm PT
Video conferencing platform via Zoom

Enjoy this charming one-woman holiday play
streamed directly to the comfort of your home!

Event starts with an Insider’s View with the Arts Club Artistic Director
Production running time: 75 minutes
A fun, flirty alternative to Holiday Conventions
“A yummy buffet of the warm feelings one craves at the holidays”
—BroadwayWorld.com

(Note: Production may contain strong language and not geared towards families.)

If you are interested in enjoying this digital live event, please sign up here!



Christmas at Hycroft - Vancouver’s Virtual Holiday Marketplace

 

Online Shop will open to the public for orders on November 9th
Pick-up will be available from November 19th - December 13th *on select days of the week*

Join the fun at Christmas at Hycroft, Vancouver’s longest-running Christmas fair! Though our event will look much different in 2020, there are still lots of opportunities to shop online for gifts, delicious treats, and support Hycroft.

Please check out the Christmas at Hycroft today! https://shop.christmasathycroft.com/



Krista Klein Mortgages September Newsletter 2020 Edition #64

Krista Klein - Mortgage Broker

Powered by Pacific West Mortgages & Mortgage Architects

krista@kristakleinmortgages.ca
604 618 2017
http://www.kristakleinmortgages.ca

Krista - Facebook Krista - Instagram Krista - Twitter Krista - Linkedin

Foreclosure Lists and Market Reports

 

Market Report Fraser Valley
Market Report Greater Vancouver
Market Report Metro Vancouver
Foreclosures Abbotsford Attached
Foreclosures Abbotsford Detached
Foreclosures BC Northern Attached
Foreclosures BC Northern Detached
Foreclosures Burnaby Attached
Foreclosures Burnaby Detached
Foreclosures Calgary Alberta
Foreclosures Chilliwack Detached
Foreclosures Cloverdale Attached
Foreclosures Coquitlam Attached
Foreclosures Coquitlam Detached
Foreclosures Ladner Detached
Foreclosures Langley Attached
Foreclosures Langley Detached
Foreclosures Maple Ridge Attached
Foreclosures New Westminster Attached
Foreclosures New Westminster Detached
Foreclosures North Delta Detached
Foreclosures North Surrey Attached
Foreclosures North Vancouver Detached
Foreclosures Pitt Meadows Detached
Foreclosures Port Moody Attached
Foreclosures Port Moody Detached
Foreclosures Richmond Attached
Foreclosures Richmond Detached
Foreclosures South Surrey White Rock Attached
Foreclosures South Surrey White Rock Detached
Foreclosures Surrey Attached
Foreclosures Surrey Detached
Foreclosures Tsawwassen Detached
Foreclosures Vancouver Attached
Foreclosures Vancouver Detached
Foreclosures West Vancouver Detached
Foreclosures Whistler Attached



Coolest Video of Georgia and Granville Streets, 1930s Vancouver

 

1930s Vancouver Georgia and Granville St

This has one of the coolest videos I have seen. It's a digital rendering of Georgia and Granville in the 1930s. It's so cool to see the incredible buildings that still stand and what did stand. 



CRA Taxes due Sept 30

 

The Canada Revenue Agency (CRA) tax deadline is fast approaching. They extended this deadline many times to assist Canadians during the COVID pandemic. 

The new deadline applies to individual, corporate, and trust income tax returns. Late-filing fees are also waived until September 30. CRA is encouraging everyone to file as soon as possible to avoid interruptions to any benefits received by the government.

Click the link for more information:  CRA Extends Tax Deadline



Last weekend of Summer

 

We spent Labor Day weekend seeing my nephew and niece. I haven't seen them since Christmas so it was so nice to spend time with them. It's amazing how much they grew in the last 9-months. They have become these super sweet little people and we had the best weekend with them. 



Mortgage Payment Deferral is About To End

 

If you were one of the Canadians that utilized the 6-months payment deferral, the 6-month mark is closing in. This means, please expect to make your regularly scheduled payment. 

If you are not sure when your mortgage payment is supposed to be withdrawn, I recommend you call your lender to confirm the exact date to ensure you have funds available. 

If you are unable to make your payment, I recommend you phone your lender asap to open a conversation with them to see what arrangements you can make. 



Rates are SO low, What Now?

 

Rates are the lowest I have ever seen. 

If you are up for Renewal, do not sign on the dotted line until you run the offer by me? There are so many lenders who would love to have your mortgage and switching over to a new lender is FREE.

If your current rate seems high, contact your lender to see what the penalty to break your mortgage would be. We can run the numbers together to see if refinancing your mortgage is the best move. I have a few strategies we can implement. 

If you are considering making a purchase of a rental property, secondary home, or new primary residence. Please contact me for a pre-approval and I can get you a 120day rate hold! 



Krista Klein Mortgages August Newsletter 2020 Edition #63

Krista Klein - Mortgage Broker

Powered by Pacific West Mortgages & Mortgage Architects

krista@kristakleinmortgages.ca
604 618 2017
http://www.kristakleinmortgages.ca

Krista - Facebook Krista - Instagram Krista - Twitter Krista - Linkedin

Foreclosures

 

Aug 2020 Abbotsford Attached
Aug 2020 Abbotsford Detached
Aug 2020 Burnaby Attached
Aug 2020 Burnaby Detached
Aug 2020 Chilliwack Attached
Aug 2020 Chilliwack Detached
Aug 2020 Commercial
Aug 2020 Coquitlam Attached
Aug 2020 Land
Aug 2020 Langley Attached
Aug 2020 Maple Ridge Attached
Aug 2020 Maple Ridge Detached
Aug 2020 Mission Detached
Aug 2020 Multifamily
Aug 2020 New Westminster Attached
Aug 2020 New Westminster Detached
Aug 2020 North Vancouver Detached
Aug 2020 Okanagan
Aug 2020 Pitt Meadows Detached
Aug 2020 Port Coquitlam Attached
Aug 2020 Port Moody Attached
Aug 2020 Richmond Attached
Aug 2020 Richmond Detached
Aug 2020 Shuswap
Aug 2020 Surrey Attached
Aug 2020 Surrey Detached
Aug 2020 Vancouver Attached
Aug 2020 Vancouver Detached
Aug 2020 West Vancouver Attached
Aug 2020 West Vancouver Detached

Above is a list of foreclosures in the Lower Mainland and beyond.

There are some great deals to be had for either your own home or as a rental property.  Check them out at the links above.



Bank of Canada Announcement

 

The Bank of Canada announced a decrease in the benchmark interest rate used to qualify homebuyers for high ratio mortgages. The rate drops to 4.79% down from 4.95%.

This is not the interest rate you pay on your mortgage, but it is the interest rate that determines the affordability of your payment.

This means that someone trying to qualify for the maximum mortgage their income provides will be able to borrow a little bit more and buy a slightly more expensive home.



I Learned to Water Ski!

 

I love trying new sports. I have been invited out a few times to try water skiing up the Indian Arm. It is so incredibly intimidating and fun to be pulled behind a boat. It took me a few tries to get up but once I was out of the water I can ski for a few minutes. 

My next goal is to be able to ski back and forth in the wake! Wish me luck! 



Saturday Walks with my Dad

 

A few years ago my dad started to walk every Saturday, no matter the weather. We generally walk between 6-10km depending on how he feels. 

We start at Yaletown station and Siwash walk is around the 7km mark of our journey. 



CRA Extends Tax Deadline

 

The Canada Revenue Agency (CRA) has announced the deadline to pay any tax amount owing has been extended until September 30.  The previous extended deadline was September 1.

The new deadline applies to individual, corporate, and trust income tax returns. Late-filing fees are also waived until September 30. CRA is encouraging everyone to file as soon as possible to avoid interruptions to any benefits received by the government.

Click the link for more information:  CRA Extends Tax Deadline