Steven Crews - May Newsletter

Steven Crews - Mortgage Broker | Financial Advisor

BOSI Financial Inc

steve@mymortgagebroker.com
403-870-2669
https://MyMortgageBroker.com

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Foreclosure & Other Interesting Properties

 

Here is our May 2018 List of Foreclosure Properties & Other Properties of Interest:

NE Bank Owned

SE Bank Owned

SW Bank Owned

NW Bank Owned

Judicial Sales

Calgary Handyman Specials

Airdrie Bank owned or Judicial Sale

Chestermere Bank Owned or Judicial Sale

Cochrane Bank Owned or Judicial Sale

Okotoks Bank Owned or Judicial Sale

Outside Calgary Handyman Specials

East Side Suited Homes under $350k

West Side Suited Homes under $500k

Triple Car Garage under $650k

Calgary Luxury Homes over $3.5 million

Outside Calgary Luxury Homes over $3.5 million

If you are considering a foreclosure purchase, please give me a call before you write an offer.  Purchasing a foreclosure is a little different than purchasing a resale or new home.  There can be some lender stipulations and conditions.

If you have questions about any of these, feel free to call/text me (403-870-2669) or send me an email.



Mortgage Renewing in 2018

 

I saw a statistic the other day that claimed almost 50% (47% was the stat) of all mortgages in Canada will be coming up for renewal this year.  In Canada, there are $1.6 Trillion of mortgages outstanding.  47% of that number is a really big numbers.

If you or someone you know has a mortgage maturing this year, then we should talk.

Many lenders don't offer you the best deal when you renew your mortgage and they wait until the last minute to remind you of the renewal.

This year, I have already talked to many clients and saved many clients a great deal by connecting early, 3 or 4 months prior to the renewal date.  Mortgage rates have been steadily climbing and the sooner we speak the sooner you can guarantee a lower rate and protect yourself until the maturity date.

Another thing you know... Banks, like TD bank have been sneaky to increase their posted rates. Why sneaky?

Well, by increasing the posted rate, they are creating a larger margin between the rate you get and the interest rate that is posted.  They use this margin to calculate your penalty in the future, if you break the mortgage early.

All the banks know that 73% of their clients break their mortgage before the end of term and if they have a higher spread when they calculate the penalty, then they win!

Ask me about this...  call or text 403-870-2669



7 Ways To Tell You Have a Keeper

 

Skip to the full article...

You met the person who makes your heart sing and your face hurt from smiling...
...but does that mean they’re a keeper?

Many people could make us happy, especially in the short term, but it’s harder to tell if the two of you will be compatible and happy together down the road.

Let me clarify upfront that no couple is 100% happy all of the time, because we all have small differences and will occasionally get on each other’s nerves. The important thing is that you’re in a relationship that makes you satisfied and happy in general—that makes you excited about life and sharing it.

Let's look at the 7 signs that you are, indeed, with a true Keeper...

To continue to read the whole article, click here.



Love It or Leave It - Renovate or Stay

 

Last month, I hosted this event at the Lake Bonavista Community Center. 

We had a fantastic response.  The information provide by Kerri Markle, Corrie Fiesel, Nivi Uppal, Gerard Williams and myself was excellent.

I only had 5-10 minutes to talk, but I learned something from each of the presenters and I'm in the business, so that information was great!  I received a great deal of positive feedback from participants after it was done.

One think that was interesting that Corrine touched on was Home Owners Title Insurance.  If you have homeowner's title insurance on your home (which doesn't cost too much extra if you are getting lender title insurance when you finance your home), you could protect yourself from potential builder/contractor caveats in the future.

We will be hosting this event again in the future, probably in a venue in the North.  If you are interested in attending the next one, let me know and I will make sure to let you know when the date, time and location has been set.



Ski Season is over

 

This year's season of skiing is now done and I have to say I miss it. 

We had our last days of skiing in April.  This image is of Danielle, waiting for us to come down and catch her.

This season of skiing was so much fun.  I really had a blast this year, the snow was really good and it's nice to spend some great time with Lillian and the kids. 

Although the weather wasn't the best in Calgary, it really was perfect out on this slopes.

Now is seems summer is here.  Over this last weekend, I can't believe how nice it's been.  Time now to get out for a bike ride, some hiking and more!



House Cleaning with non-Toxic Products

 

When consumers buy commercial cleaning products, we expect them to do one thing: clean! We use a wide array of scents, soaps, detergents, bleaching agents, softeners, scourers, polishes, and specialized cleaners for bathrooms, glass, drains, and ovens to keep our homes sparkling and sweet-smelling.

While the chemicals in cleaners foam, bleach, and disinfect to make our dishes, bathtubs and countertops gleaming and germ-free, many also contribute to indoor air pollution, are poisonous if ingested, and can be harmful if inhaled or touched. In fact, some cleaners are among the most toxic products found in the home.

In 2000, cleaning products were responsible for nearly 10% of all toxic exposures reported to U.S. Poison Control Centers, accounting for 206,636 calls. Of these, 120,434 exposures involved children under six, who can swallow or spill cleaners stored or left open inside the home.

Cleaning ingredients vary in the type of health hazard they pose. Some cause acute, or immediate, hazards such as skin or respiratory irritation, watery eyes, or chemical burns, while others are associated with chronic, or long-term, effects such as cancer.

A friend of my has a house cleaning business that uses all natural products.  Safe for you, your kids and your pets...

You can reach her at 403-700-2162 or MountainCleaners.ca

Receive 10% off if you mention you heard about her from me (Steven Crews)



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