Krista Klein April 2020 Mortgage Newsletter -Edition #61 How to Save $1000s, Backyard fun, and Fun with SirPatStew

Krista Klein - Mortgage Broker

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kristaklein@gmail.com
604 618 2017
http://www.kristakleinmortgages.ca

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Saves $1000s Simply by Switching Credit Cards

 

When we apply for a credit card we generally get lured into bonus points and rarely do we ask the questions….is there a lower rate? Most credit cards people have interest rates hover around the 19.99% mark with cash-advance at 22.9%.

 

THIS IS INSANE if you carry balances.

 

Did you know there is a good chance your lender offers low-interest rate credit cards?

 

For example, I have a RBC credit card that is the normal 19.99% interest with all the bells and whistles.

 

If I was carrying a $20,000 balance….what would that look like in interest costs a year?

 

$20,000 @19.99% APR

 

Annual interest =$3,998/interest a year

 

That is $333/month a month.

 

If I picked up the phone and asked to switch to a low interest rate. In this example, I am switching to the RBC rate advantage rate of prime+4.99% (8.99%)

 

$20,000 @8.99%

 

Annual interest = $1,798/interest paid a year

 

That is $149.83/month

 

Total savings - $2,200 a year

 

If you are carrying any balances, google your lender's credit card options then pick up the phone and start saving!

 

Use this credit card savings calculator to easily calculate your savings your to switch now Credit Card Interest Calculator 



How to Start a Garden

 

I love gardening and if you are able to find any space outdoors and indoors to start one... now is the time! 

I started my tomatoes indoors and will be transplanting them outdoors this week. 

Here is a how-to guide to help you grow your own food this summer season! Start a Garden



B.C. Emergency Benefit

 

The B.C. Emergency Benefit for Workers will provide a tax-free, one time $1,000 payment for B.C. residents whose ability to work has been affected due to COVID-19.

So pretty much, if you qualify for the CERB, you qualify for the $1000 one time payment from the British Columbia provincial government. For more information on how to apply click here.



Bringing All the Birds to the Yard

 

My new favorite pastime is watching is watching birds. To attract a variety of birds, I purchased a bird feeder and a hummingbird feeder from Birds Unlimited.

 

We have been enjoying a variety of different birds enjoy the feeder.

 

Bird Unlimited was amazing. They have many store locations. I ordered the feeder online and the owner personally drove it over to my place and dropped it off.

My favorite bird so far that enjoyed some seed was a Stellar Jay. 

 

Check out their website here for all your bird needs: https://www.wbu.com/



Cash is King

 

Cash is King! I am sure we have all heard this saying before and it means more than it ever has.

 

Now is time to get your financial house in order.

 

When you look at your personal finances, are you carrying credit debt? Credit card debt can be the hardest debt to pay off especially if you are only ever paying the minimum required.

 

The easiest way to consolidate this debt into the lowest interest rate is by paying it off with the equity of your home.

 

How do I do this?

 

In Canada, we are allowed to refinance your property up to 80% of the value. This means, if you are sitting on some equity in your property…. you can refinance your existing mortgage plus pay off any credit cards/lines into your mortgage.


Some clients even pay off their car loan with their equity to increase their cashflow and to lower the interest amount paid.

 

You can also pull out additional funds to just keep aside for a rainy day.

 

If you are carrying high interest credit card debt you just can’t seem to get pay off, contact me and we can run the numbers together to determine what makes the most sense for you!



My Star Trek Peeps Never Disappoint

 

These are 2-welcome distractions. As most of you know...I am a huge fan of Star Trek and the actors who acted in them. 

1. Levar Burton, famous for Reading Rainbow and Star Trek The Next Generation, reads short stories on his podcast. You can find the details here

2. Sir Patrick Stewart is entertaining us by reading a sonnet a day for every day we work together to flatten the curve. He can be found on instagram at @sirpatstew

I hope this brings you joy!



Krista Klein March 2020 Mortgage Newsletter - Deferring your Mortgage Payment, Rate Volatility, and Back-to-Basics

Krista Klein - Mortgage Broker

Powered by MortgagesLab

kristaklein@gmail.com
604 618 2017
http://www.kristakleinmortgages.ca

Krista - Facebook Krista - Twitter

How to Defer your Mortgage Payment

 

We believe that nobody should have to worry about their mortgage because of financial impacts of COVID-19.  CMHC made an announcement that they're working with Genworth, Canada Guaranty and lenders to help, by increasing their flexibilities to allow payment deferral of up to 6 months starting now. 

This applies to borrowers with an insured mortgage (generally those who bought with less than a 20% down payment - but not exclusively)

 You can read the entire CMHC COVID-19 Announcement

 Tools include:

 - Deferral of payment

- Re-amortization of the mortgage

- Capitalization of outstanding interest arrears and other eligible expenses

- Special payment arrangements

 If you find yourself in the position that you are about to be self-isolated, or quarantined and need help with your mortgage payments, please reach out directly to your lender. 

Most lenders have options available to skip-a-payment or put a payment on hold (even before this new CMHC announcement). 

It is imperative that you reach out to the lender and request this though.  Each lender has different options, and with how quickly COVID-19 is developing, lenders are updating their policies to help, regardless of whether you have CMHC default insurance on your mortgage, or not. 

To help make it easier for you, we have listed some of our most common lenders below, with phone numbers to their customer service department to get further details on skip or hold a payment options. 

Call volumes are very high, I would recommend that you try in the evening when call volumes have decreased a little.

LIST OF LENDERS CONTACT NUMBERS

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
Optimum 1-866-441-3775
Equitable 1-888-334-3313
Connect First 403-736-4000
Chinook Financial 403-934-3358
First Calgary Financial 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
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
ATB 1-800-332-8383
Servus CU 1-877-378-8728



Whats Going on with Rates?

 

March 2020 has been whirlwind for mortgage rates. How did the rates go down and then go up at the same time?

 

Here is a detailed video explanation from the President of Mortgage Architects, Dustan Woodhouse on what’s happening.

Watch the video here: Rate Volatility



Instead of Netflix....

 

As we try to find normalcy with your new schedule, there are many different ways to occupy your time. These 8-Ivy League schools has created over 500 online courses that open to the general public.

 

Check out the link here for the full story and classes available Here.

 

Keep me in the loop of any classes that catch your eye! I’d love to hear from you!



Personal Note - Back-to-Basics

 

As we continue to go deeper into the unknown, I can’t stop thinking of what is truly important in our lives. Only a few weeks ago, I was able to enjoy my 38th birthday with dear friends at a 7-course dinner in Kitsilano. Yes, the food is amazing.

Now, as I stay home, social distance oneself from everyone including my family and friends.

 

I am currently bunked up at my mother-in-law’s house. To some, this probably sounds like a bad thing, but we get along amazingly and her pantry is packed full (#winning).

 

As we realize this may be longer than just a few weeks, I am creating normalcy for myself and finding gratitude in what is truly valuable. 

I am thankful that my niece turned 2years old and my nephew was apparently such a good boy, he received gifts as well. My brother and his wife who are keeping the kids safe. I am thankful that my parents are safe with a pantry full of food. I am thankful for my sister who is considering ‘front-line’ with the City of Vancouver that she is safe. She is considered the eyes and ears of the world.

 

Let’s use what the universe has thrown at us to bring us back to basics. Take a moment to find something you are thankful for and share it with the world.

We need good news like this.



How can I Help You?

 

Please reach out to me if you have any mortgage concerns. If you are considering your current options, ie. Mortgage payment deferring, pulling equity out, consolidating your debt into your mortgage.

Let’s talk through your options. Book a call with me here: Book Call with Krista



You Might Have Hidden Money with the CRA

 

Yes, you read that right. The CRA has made a way for you to see if you have un-cashed cheques. This could include missed GST payments, HST payments (remember this?), tax refunds, etc. 

There are approximately $1 billion in cheques that have gone uncashed. This money belongs to Canadians and we're making it easy for them to get the money intended for them.

As of May 2019, approximately 5 million Canadians had an estimated 7.6 million uncashed cheques with the Canada Revenue Agency (CRA), dating back to 1998.

In order to reunite taxpayers with their long lost funds, we piloted a new uncashed cheque feature in My Account in early February. It lets taxpayers know if they have an uncashed cheque waiting for them and lets them request it be reissued.

There has not been a better time then now to see if you have some 'surprise' money waiting for you. 

Full details can be found here: Show me the money



Krista Klein Mortgage Newsletter February 2020 Edition #59

Krista Klein - Mortgage Broker

Powered by MortgagesLab

kristaklein@gmail.com
604 618 2017
http://www.kristakleinmortgages.ca

Krista - Facebook Krista - Twitter

Foreclosures

 

Feb 2020 Abbotsford Detached
Feb 2020 Burnaby Attached
Feb 2020 Burnaby Detached
Feb 2020 Chilliwack Detached
Feb 2020 Commercial
Feb 2020 Coquitlam Attached
Feb 2020 Coquitlam Detached
Feb 2020 Land
Feb 2020 Langley Attached
Feb 2020 Langley Detached
Feb 2020 Maple Ridge Attached
Feb 2020 Maple Ridge Detached
Feb 2020 Mission Detached
Feb 2020 Multifamily
Feb 2020 New Westminster Attached
Feb 2020 North Delta Detached
Feb 2020 North Vancouver Attached
Feb 2020 North Vancouver Detached
Feb 2020 Okanagan
Feb 2020 Port Coquitlam Detached
Feb 2020 Richmond Attached
Feb 2020 Richmond Detached
Feb 2020 Shuswap
Feb 2020 Surrey Attached
Feb 2020 Surrey Detached
Feb 2020 Vancouver Attached
Feb 2020 Vancouver Detached
Feb 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.



Interest Rates Plunge on Corona Virus News

 

Rates are continuing to drop and we are seeing the 5-year rate back down in the mid-2% to below 3% range.

Why you ask: 

Global investors are selling stocks and piling into the safety of bonds in response to fears that the Wuhan coronavirus could disrupt global economic activity. Gold prices, another haven, have also risen.

What does this mean for you? 

If you thinking of purchasing a property, considering consolidating some high-interest credit cards or up for renewal....lets lock in the low rates now! 

We can lock in rates for 120days and if rates go down even further...you receive the lower rate. 

Read more Here



Happy Valentines Day

 



My Close Encounter with a Bear

 

End of January, I spent a weekend in Banff. This bear has been here so long that they have a picture of Marilyn Monroe doing the same pose. 



REBGV Stats - January 2020

 

The numbers do not look exciting but they will!

We ended 2019 with the best 4 quarters in almost 2 years plus! There are a bunch of sales from January that will show up in February, and the market for under $1m condos is on fire in Van West and Van East for quality product under 10 years old and we are seeing multiple offers, increases in value, and above ask and above market value offers. Prices are going up in some subareas and will most likely continue to do so!


In some subareas, even over 10 years old, there are multiples happening and the activity is increasing rapidly. The buyers are out there hunting and the supply is low! 


The single family housing segment is also showing good signs of activity again, area dependant, with some amazing deals for buyers out there as well as some solid values for sellers that were not there 1 year ago! 


This low supply is causing upward market pressure and I feel that this will continue throughout 2020. 


Commercial properties have seen stabilization through 2019, and going into 2020, I feel the activity will pick up, as we are already seeing some very sales coming out of the 4th quarter of 2019, and in Jan 2020. 


Ignore your BC Assessments as they are NOT reflective of the market value of your property! Your property is possibly worth MORE than you think. 

Full report here: Market Watch



What Vancouver looked like over 100 years ago.

 

I love looking at old pictures of Vancouver. It is incredible to see the changes over the past century.

For a look at the pictures click here for the Full article here



Krista Klein Mortgage Newsletter December 2019 Edition #58 Happy Holidays

Krista Klein - Mortgage Broker

Powered by MortgagesLab

kristaklein@gmail.com
604 618 2017
http://www.kristakleinmortgages.ca

Krista - Facebook Krista - Twitter

Foreclosure List

 

DEC 2019 - Abbotsford Attached
DEC 2019 - Abbotsford Detached
DEC 2019 - Bowen Island Detached
DEC 2019 - Burnaby Detached
DEC 2019 - Chilliwack Attached
DEC 2019 - Chilliwack Detached
DEC 2019 - Cloverdale Attached
DEC 2019 - Coquitlam Attached
DEC 2019 - Coquitlam Detached
DEC 2019 - Land
DEC 2019 - Langley Attached
DEC 2019 - Langley Detached
DEC 2019 - Maple Ridge Attached
DEC 2019 - Maple Ridge Detached
DEC 2019 - Mission Detached
DEC 2019 - Multi-Family
DEC 2019 - Nanaimo Attached
DEC 2019 - New Westminster Attached
DEC 2019 - New Westminster Detached
DEC 2019 - North Vancouver Attached
DEC 2019 - North Vancouver Detached
DEC 2019 - Port Coquitlam Detached
DEC 2019 - Richmond Attached
DEC 2019 - Richmond Detached
DEC 2019 - S. Surrey White Rock Detached
DEC 2019 - Sunshine Coast Detached
DEC 2019 - Surrey Attached
DEC 2019 - Surrey Detached
DEC 2019 - Tsawwassen Attached
DEC 2019 - Tsawwassen Detached
DEC 2019 - Vancouver Attached
DEC 2019 - Vancouver Detached
DEC 2019 - West Vancouver Detached
DEC 2019 - Whistler Attached

Check out this month's foreclosure list!



Mortgage Check-Up

 

I'd love to connect with you in 2020 to learn more about how I can help you. 

Is your current mortgage still working for you? 

Are you looking to pull some equity out consolidate your debts? 

Are you planning on purchasing an investment property? 

Are you thinking of renovating your home? 

Are you up for mortgage renewal and want to ensure your lender is offering you the best rate and product? 

Please feel free to email or call me. I would love to connect with you! 



Out and About Enjoying Christmas Lights

 

One of my favorite Christmas pastimes is walking around Vancouver to check out the stunning displays. This is a picture of Zian and I enjoying the lights in front of the Vancouver Art Gallery. 

Here is a list of Christmas light displays you can go enjoy in and around town: Christmas Light Displays



How to Look Like a Christmas Pro in the Kitchen

 

Turkey is always a hot topic over Christmas.

How will I make it?

Will I ruin it?

How do you keep it moist? 

How long does it go in the oven? 

How do I make gravy? 

My answer to these questions is simple. Go on youtube and watch a video made by Laura in the Kitchen. She makes is so simple that you will come out looking like a Christmas dinner pro. 

Click here to watch the video: Best Turkey Ever



Happy Holidays!

 



Krista Klein Newsletter Edition #57 (Cypress Mountain Season Pass deal and Why the New First Time Buyer Program is Not a Good Deal)

Krista Klein - Mortgage Broker

Powered by MortgagesLab

kristaklein@gmail.com
604 618 2017
http://www.kristakleinmortgages.ca

Krista - Facebook Krista - Twitter

Foreclosures

 

Sept 2019 Abbotsford Attached
Sept 2019 Abbotsford Detached
Sept 2019 Burnaby Attached
Sept 2019 Burnaby Detached
Sept 2019 Chilliwack Detached
Sept 2019 Commercial
Sept 2019 Coquitlam Attached
Sept 2019 Land
Sept 2019 Langley Attached
Sept 2019 Langley Detached
Sept 2019 Maple Ridge Attached
Sept 2019 Maple Ridge Detached
Sept 2019 Mission Detached
Sept 2019 Multifamily
Sept 2019 New West Attached
Sept 2019 New West Detached
Sept 2019 North Van Attached
Sept 2019 North Van Detached
Sept 2019 Okanagan
Sept 2019 Port Coquitlam Attached
Sept 2019 Port Coquitlam Detached
Sept 2019 Richmond Attached
Sept 2019 Richmond Detached
Sept 2019 Shuswap
Sept 2019 Surrey Attached
Sept 2019 Surrey Detached
Sept 2019 Vancouver Attached
Sept 2019 Vancouver Detached
Sept 2019 West Van Attached
Sept 2019 West Van 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.



First Time Home Buyer Incentive Program

 

On September 2nd, the Government of Canada launched a new program to help first-time home buyers to lower mortgage costs. The new $1.25-billion incentive program would allow prospective buyers to apply for an interest-free loan from Canada Mortgage and Housing Corporation (CMHC).

Here's a ton of info on the new program.

An Eligibility Calculator to test and evaluate different financial scenarios and view their impact on mortgage payments.

Product Highlight Sheet (PDF) including a summary of key program details in a format that is easy to download, print and share.

Journey Map breaking down the application process step by step.

An Application Process diagram (PDF) showing the interactions between all of the parties involved. (Available on desktop only).

The government would share in the equity in the property.  If the government gave 5% of the purchase price, they would need to receive 5% of the sale when it is sold.  This is great if the price goes down, but in a city like Vancouver, where prices have been consistently going up, that could equal a lot of money.  They don't want back the original 5% of the purchase price, they want back 5% of the value when it is sold.  



I took a DNA test and Discovered New Family!

 

I took a DNA test and connected with a 2nd cousin. The coolest part is she had traced my mother's side family tree all the way back to the 18th century in Hungary. She also sent me some pictures I have never seen before. 

This is a picture of my great grandfather and other family members on the steam threshing machine. 



2019/2020 DISCOUNTED Cypress Mountain n Season Pass (Ski, snowboard, nordic)

 

Can you believe it?!? It is almost the start of the 2019/2020season!

Save up to $170 on a seasons pass!

The Cypress Mountain Season DISCOUNTED pass is back! If you ski, snowboard, and/or cross country ski. This deal is for you!

First: How to purchase:

https://www.tixforcypressmountain.com/e-commerce/GrpLogin.aspx

Username: vansports
Password: FIRSTSUN20

G8 Pass - Full Season Pass (no restrictions) -

Adult $629
Youth $399
Senior $309
Child $219
Scooter $40

Silver Pass (Restrictions)

Adult $349
Youth $259
Senior $219
Child $99
Scooter $34

Cross Country

Adult $259
Youth $149
Senior $149
Child $129
Scooter $34

Other
NiteTimer $149
Snowshoe Pass $89
Tubing Pass $49

Offer ends Oct 4, 2019

Please share with your friends and family!



MONEY'S GOT TO CIRCULATE

 

My brother Robert Klein found this 1967 cartoon titled "Scrooge McDuck and Money" that teaches children (and the adults watching with the kids) how money works.

Watch the video.

Just found out from the video that the word salary comes from the Latin root word salarium. It means the amount of money given to a Roman soldier to buy salt.

Money is neutral. It is neither good or bad.

Money, Finances, Budgeting, Planning is no longer taught in schools.

As a result of insufficient education, money is one of the most misunderstood tools today and yet it is something we use every day.

Walt Disney thought educating people about money was so important that he created a cartoon movie about it. 

This is just a start, to get your attention and your interest.

A great follow up to learn about money is Robert Kiyosaki's book "Cash Flow Quadrant".

If you don't like reading, this 12-minute video summarizes the highlights.



Krista Klein Newsletter August 2019 Edition #56 Weddings, Banff and Mortgage Renewals!

Krista Klein - Mortgage Broker

Powered by MortgagesLab

kristaklein@gmail.com
604 618 2017
http://www.kristakleinmortgages.ca

Krista - Facebook Krista - Twitter

List of Current August Foreclosures

 

burnaby north attached
tsawwassen attached
vancouver east attached
west van attached
coquitlam attached
new west attached
van west attached
maple ridge attached
port coquitlam attached
pitt meadows detached
port coquitlam detached
tsawwassen detached
burnaby south detached
burnaby north detached
north van detached
van west
richmond detached
van east detached
west van detached

Happy August everyone! Here is this month's list of foreclosures.



Is your Mortgage up for Renewal?

 

Much of my time is spent helping borrowers switch lenders or renew their mortgages with super low rates. It continues to surprise me that their current lender does not even try to compete, believing that the borrower will not shop around.

In many cases, I have been able to beat their rates by .30% to .50%

This is HUGE!

If you are up for renewal, call me! 604-618-2017



I look forward to hearing from you!

 

Please be so kind to email me your... 

*** Mortgage Renewal Date *** 

Lately I have been able to help several clients reduce payments, lower their interest expense and negotiate better mortgage renewal terms as I was aware of this date! 

Please email it back to me so I can help you!  Do not worry if it is long in the future!



I Got Married!

 

I definitely had a busy summer. I got married end of June and enjoyed 5-weeks of having family in town.

I was so lucky a huge Navy ship came into port and allowed myself and the wedding party to take pictures on the ship. Does anyone notice the huge gun? 



Nostalgic/Sentimental Vancouver (Pictures)

 

This is my new favorite Facebook group! The members post some of the most incredible pictures of Vancouver. Definitely check it out!

https://www.facebook.com/groups/128486813979056/?fref=nf



Banff with my Surf Squad

 

I spent the weekend in Banff, Alberta with my Costa Rica Surf Squad. We came together at a surf yoga retreat back in February and became instantly good friends. My friend invited everyone to spend the weekend with her in Banff. 


One thing you learn quickly about Hiking Banff is parking lots fill up first thing in the morning. To get parking at Lake Louise, we got up at 4:30am and was out of the house by 5am. We got to Lake Lousie just in time to get parking.

It was so incredible to watch the sunrise. 

One thing for sure, getting up super early to Hike Lake Louise was absolutely worth it!



Krista Klein Newsletter June 2019 Edition #54 What Cher Taught me, My Dream Livingroom, & Mortgage Renewals

Krista Klein - Mortgage Broker

Powered by MortgagesLab

kristaklein@gmail.com
604 618 2017
http://www.kristakleinmortgages.ca

Krista - Facebook Krista - Twitter

Foreclosure Opportunities!

 

June 2019 Abbotsford Attached
June 2019 Abbotsford Detached
June 2019 Burnaby Attached
June 2019 Burnaby Detached
June 2019 Chilliwack Attached
June 2019 Chilliwack Detached
June 2019 Commercial
June 2019 Coquitlam Attached
June 2019 Coquitlam Detached
June 2019 Hope Detached
June 2019 Land
June 2019 Langley Attached
June 2019 Langley Detached
June 2019 Maple Ridge Attached
June 2019 Maple Ridge Detached
June 2019 Mission Detached
June 2019 Multi-Family
June 2019 New Westminster Attached
June 2019 North Vancouver Detached
June 2019 Pitt Meadows Detached
June 2019 Port Coquitlam Attached
June 2019 Port Coquitlam Detached
June 2019 Richmond Attached
June 2019 Richmond Detached
June 2019 Squamish Attached
June 2019 Surrey Attached
June 2019 Surrey Detached
June 2019 Vancouver Attached
June 2019 Vancouver Detached
June 2019 West Vancouver Detached
June 2019 Whistler Attached

Above is a list of foreclosures in the Lower Mainland.

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.



Is your Mortgage up for Renewal?

 

I have been spending alot of my time helping clients switch lender and renew into super low rates. I have been surprised to see what their current lender is offering them. I have been able to beat the rate by .30% - .50%. 

THIS IS HUGE. 

Their existing lender can't even touch this and didn't even try to compete. 

If you are up for renewal,  CALL ME. Let's see what I can do for you!



Mortgage Questions? Lets Chat!

 

Here my contact details! If you prefer, you can book a 20 minute phone appointment anytime.  I'd love to chat and help whenever I can!

Book a 20-minute call with Krista

I look forward to connecting with you!



Cher Still Has It!

 

I took my parents and my sister-in-law to the Cher concert! There is nothing like seeing an icon on stage and crushing it at the young age of 73. 

What I learned from Cher: 

1. Yes to wigs

2. Sequins can be worn just because

3. Bell bottom sequins is a yes

4. Be like Cher

5. Crush life and do what makes you happy



Fixed Rates Have Dropped - Now is the Time to Refinance!

 

Fixed Mortgage Rates have dropped significantly over the last 6 months - by over 0.7% just since the New Year!  This means that refinancing is even more affordable and now is a great time to explore options for borrowing additional funds. 

If you've been wanting to do some home renovations, get rid of high-interest credit card debt or take care of other expenses like post-secondary education for the kids, the wait is over. 

When restructuring a mortgage, we can often blend the new funds required right into the current mortgage, meaning that the dreaded penalty is avoided. 

If you or someone you know would like to benefit from today's low-interest rates, give me a call today at 604-618-2017.



I Always Wanted the 'Friends' Livingroom!

 

IKEA does it again. IKEA Recreates The Famous Living Rooms From The Simpsons, Friends And Stranger Things with their products. 

If you ever wanted to have the 'Friends' living room, IKEA has made it easy to recreate with their product line.

Thinking of scaring your friends, why not re-create your living room into Stranger Things. I know that would make me cringe if I was invited over. 

Or better yet, the Simspons? All you need to complete this look is Duff beer and balding middle age man to sit on your couch. 

What living room have you always dreamed to have? 

Check out the article here Click here



Krista Klein Newsletter March 2019 Surfing Costa Rica, Speculation Tax Deadline, and Lenders with NO Stress Test!

Krista Klein - Mortgage Broker

Powered by MortgagesLab

kristaklein@gmail.com
604 618 2017
http://www.kristakleinmortgages.ca

Krista - Facebook Krista - Twitter

NDPs Major Tax Grab is Coming up!

 

The speculation tax deadline is coming up! Or some people refer to it as NDPs major tax grab! 

If you own a primary residence, rental property, vacation home and/or on the title of ANY 'residential' property that is located within the geographic areas that have been blessed with this tax, you have until MARCH 31 to declare.  

If you do not declare, you will be taxed. 

If you are not sure your property is affected by this tax, triple check here: Affected Areas

Note: everyone on title MUST make a separate declaration. This means, if a house is owned by a husband and wife, they must make 2-declarations. If this couple has added their son and daughter to the title, 4-declarations have to be made. 

If you have not received your declaration form in the mail, please call 1 (833) 554-2323. 

To learn more how to declare or to file for an exemption click here



Foreclosures

 

Mar 2019 Abbotsford Detached
Mar 2019 Abbotsford Attached
Mar 2019 Burnaby Attached
Mar 2019 Chilliwack Detached
Mar 2019 Commercial
Mar 2019 Coquitlam Attached
Mar 2019 Langley Detached
Mar 2019 Langley Attached
Mar 2019 Land
Mar 2019 Maple Ridge Detached
Mar 2019 Multifamily
Mar 2019 New Westminster Detached
Mar 2019 New Westminster Attached
Mar 2019 North Vancouver Detached
Mar 2019 Pitt Meadows Detached
Mar 2019 Port Coquitlam Detached
Mar 2019 Port Moody Detached
Mar 2019 Richmond Detached
Mar 2019 Richmond Attached
Mar 2019 Squamish Detached
Mar 2019 Surrey Detached
Mar 2019 Surrey Attached
Mar 2019 Vancouver Attached
Mar 2019 Vancouver Detached
Mar 2019 West Vancouver Attached
Mar 2019 West Vancouver Detached

Above is a list of foreclosures in the Lower Mainland.

There are some great deals to be had for either your own home or as a rental property.

If you decide to go this route, I recommend working with a realtor who is well versed with the foreclosure process. 



Spring Forward

 

Good news: SPRING is almost here

Bad news: we lose 1 hour of sleep 



I am a SURFER now!

 

I spent the week it snowed in Vancouver, surfing in Costa Rica. I have been surfing a handful of times over the last 10+ years but this was the first time I actually felt like a true surfer. We spent 3 days with surf instructors and I had the greatest time ever. It felt so good to challenge myself by learning a new sport. When I caught my first wave and rode it all the way to the beach, I was beyond ecstatic! 

I have absolutely fallen in love with surfing and I am already thinking about how I can get back on a surfboard. 



Did you know there are lenders with NO Stress Test?

 

KristaKlein-610-E13th-FeatureSheet

STRESS TEST, STRESS TEST, STRESS TEST. 

This is the major BUZZ words around mortgage financing and how hard it is to qualify. 

BUT....did you know there are still lenders who have not implemented the stress test? 

I was asked by a realtor (Angie Kirk) to put together a mortgage feature sheet for her listing. The house is an awesome character home located in Mount Pleasent at 610 E 13th Ave. Vancouver, BC. 

Usually, when you see mortgage sheets....you see a blast of rates.  I decided to showcase what income you would need to qualify with a lender who has a stress test, no stress test, and no stress test with basement suite income. 

For max financing for this property, the min income to qualify with a stress test lender is $239,834. 

With a lender with no stress test with basement suite income, the min income to qualify is $166,634. 

This definitely makes life a little easier to qualify. 

Check out my mortgage sheet above! 



30 Terrible Pictures Taken by Realtors

 

If you are interested in a good laugh, Bored Panda compiled this article of 30 Terrible Pictures Taken by Realtors. I literally laughed so hard I had to share it with you! The comments are amazing. 

Click here



Krista Klein January 2019 Mortgage Newsletter Edition #52 (The Force is Strong with this one & 2019 BC Assessments are out)

Krista Klein - Mortgage Broker

Powered by MortgagesLab

kristaklein@gmail.com
604 618 2017
http://www.kristakleinmortgages.ca

Krista - Facebook Krista - Twitter

Foreclosures

 

Jan 2019 Burnaby Attached
Jan 2019 Burnaby Detached
Jan 2019 Chilliwack Detached
Jan 2019 Commercial
Jan 2019 Coquitlam Attached
Jan 2019 Delta Detached
Jan 2019 Land
Jan 2019 Langley Attached
Jan 2019 Langley Detached
Jan 2019 Maple Ridge Attached
Jan 2019 Maple Ridge Detached
Jan 2019 Mission Detached
Jan 2019 Multifamily
Jan 2019 New Westminster Attached
Jan 2019 Pitt Meadows Detached
Jan 2019 Richmond Attached
Jan 2019 Richmond Detached
Jan 2019 Squamish Detached
Jan 2019 Surrey Attached
Jan 2019 Surrey Detached
Jan 2019 Vancouver Attached
Jan 2019 Vancouver Detached
Jan 2019 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.



Vintage Kitchens from the 1960s

 

I had to share this with you! I wish kitchens looked like this now. I would totally go for the bright pink kitchen. Which one is your favorite? 

Click Here: for the full article



The force is strong with this one!

 

SO.......I am not quitting my day job anytime soon. I was invited to a gingerbread making party and decided to turn my cookie into Yoda. I was happy how it kind of looks like Yoda but I don't think anyone will ever hire me to make a dozen of them. 



2019 BC Assessments are out!

 

BC Assessment is out! To check out your tax assessment value Click Here

Things to remember: 

1. This is not the true value of your property

2. You have until Jan 31, 2019 to dispute this value

3. Assessments are as of July 31, 2018, and do not factor in the last 6 month of real estate data

Did your value increase or decrease? 



My nieces first Christmas

 

I spent my holiday season with my family in Mill Bay which is located on Vancouver Island. I was so happy to be able to spend a few days in a row with my niece and nephew. For crazy times, I spend time with my nephew. For chill, relaxing times, I  spend time with Sarah. 



Tony Robbins’ Ultimate Guide to Your Best Year Ever

 

The 5-Step Plan to an Extraordinary Year

Transforming into the person you want to be in 2019 is not difficult so long as you have the dedication, focus and correct tools at your disposal. But you should always remember to set your sights on something within reason.

Most people overestimate what they’re going to do in a year, and they underestimate what they can do in a decade, or two or three or four.

Follow this roadmap to begin crafting the best year of your life.

1. Feed your mind.

Feeding your mind is all about perspective. You’ve got to bring something new to it otherwise, you’re going to keep operating off the same old beliefs, the same old thoughts, the same old emotions that have not gotten you to the level you want. Don’t just hope things will go the way you want. Condition yourself to believe that they will.

Feeding your mind is all about perspective. You’ve got to bring something new to it.

2. Strengthen your body.

Strengthening one’s mind is crucial. But equally important is strengthening one’s body.   

Go on a sprint. Go lift some really heavy weights. Go on a really long walk. Priming your physical self can set the stage for the change you want to see mentally or emotionally. You’re going to get depressed if you drop your shoulders, drop your head, speak slowly and think about what you’re afraid of. But if you go for a really intense run, music blaring and heart pumping, your body and mind will both be energized and clear, and you’ll be able to better focus on what you want.

3. Find a great role model.

If you want the best year of your life, you need to decide to find a great role model who is already getting the results you want. You don’t want to just try to do it yourself.

4. Take massive action.

This step is simple: Make a huge step forward. Build your company’s website. Reach out to a prospective investor. Talk with your spouse about couples counseling. Plan that grand vacation for your family you think will bring everyone together.

But you must remember to be flexible and alter your course if necessary. To really demonstrate the importance of this point, Robbins often shares the same metaphor. Let’s say your goal was to see a sunset, and you began by running east.

“I don’t care how positive you are, I don’t care how enthusiastic you are, it’s not gonna happen—you have the wrong strategy,”

5. Get outside of yourself.

Instead of focusing 100 percent on your goals and what you want to achieve, you must also find a way to add value to others. As corny as it sounds, the spirit of living is giving, and it’s what makes us alive. This will have two primary impacts:

No. 1, your problems will lessen in intensity.

No. 2, your life will have more meaning.

Life is not about me; life’s about we. So it’s not just growing, it’s growing and contributing beyond yourself that makes your life meaningful.

Embrace Uncertainty

One of the most important things you can do to make 2019 your best year yet is become comfortable with uncertainty. The quality of your life is in direct proportion to the amount of uncertainty you can comfortably live with. Because if you want to be certain about everything every moment, then you can’t do something new, you can’t grow.

Our brains were designed to assess and combat risk, and fight or flight when necessary. But we are more than our minds. We’re our heart, we’re our soul, we’re our spirit.

And if everything in life were certain, life wouldn’t be worth living. We all want certainty so bad. But if you’re totally certain every moment, what’s going to happen? You’d be bored. So we need uncertainty. We need a lot of it.



Krista Klein December 2018 Mortgage Newsletter Edition #51 (Celebrating 10 years of Being a Mortgage Broker)

Krista Klein - Mortgage Broker

Powered by MortgagesLab

kristaklein@gmail.com
604 618 2017
http://www.kristakleinmortgages.ca

Krista - Facebook Krista - Twitter

December 2018

 

Dec 2018 Langley Foreclosure Detached
Dec 2018 Burnaby Foreclosure Detached
Dec 2018 Burnaby Foreclosure Attached
Dec 2018 Chilliwack Foreclosure Detached
Dec 2018 New Westminster Foreclosure Attached
Dec 2018 Langley Foreclosure Attached
Dec 2018 Richmond Foreclosure Detached
Dec 2018 Pitt Maple Foreclosure Attached
Dec 2018 Richmond Foreclosure Attached
Dec 2018 Pitt Maple Foreclosure Detached
Dec 2018 Whiterock Foreclosure Detached
Dec 2018 Surrey Foreclosure Attached
Dec 2018 Richmond Foreclosure Attached
Dec 2018 Vancouver Foreclosure Detached
Dec 2018 West Vancouver Foreclosure Detached
Dec 2018 Vancouver Foreclosure Attached
Dec 2018 Surrey Foreclosure Detached
Dec 2018 TriCity Foreclosure Attached



This Town In Canada Is Selling Huge Plots Of Land For Only $1

 

The first thing I think of when I see articles like this is, "there has to be a catch"? And.....there is one. This town is selling large lots for $1. The catch, you have to build a house on it. 

Still......a very good deal to offset the costs of building your dream home. 

Read the full article Here



Mortgage Up for renewal in 2019?

 

If your mortgage is up for renewal in 2019 please ask for a 2nd opinion. Your mortgage lender does not always automatically give you the 'best' rate and count on you blindly signing. 

Quick tip: the bank's goal is to make money off you. 

If you are up for renewal, please call me to discuss if there are any better mortgage options available to you. I can always be reached at 604-618-2017 



10 Years of Being a Mortgage Broker

 

I am celebrating 10 years of being a Mortgage Broker. I can not believe how time flies. To celebrate, I updated my headshots and purchased myself a very fancy pen. 



Commercial Mastery Course

 

I recently spent the full weekend learning fine tuning my mortgage skills. There is nothing like hanging out with fellow mortgage geeks discussing and learning interesting financing options! 



Christmas Activities

 

Going to be checking some of these out with the kids.  I linked the sites that have the most relevant info about the events.  Hope you find these helpful!

VanDusen Festival of Lights

FlyOver Canada

Vancouver Christmas Market

Glow Christmas

Holiday Heights at Bloedel

Lights at Lafarge

Christmas at the Cannery

Christmas at Burnaby Village

Bright Nights at Stanley Park

Christmas at Canada Place

Ice Skating at Robson Square

Aurora Light Show

 Polar Express