After taking some time with family and enjoying our deliveries to all our wonderful clients over the holidays our team has hit the ground running for the exciting New Year ahead.  During December we created our Mission Statement to keep us on track with the values which are key to how we serve our clients and our Community. We are so happy to share that with you:  

“Our passion is to Empower and Connect with our clients to help them achieve their desired outcome while making it an enjoyable process.  We take great pride in our work and care deeply about every client.”

On a more personal note each member of our team created a Vision Board including our personal and professional goals and dreams for 2021.  Vision Boards are a fun way to discover your “why?”  A vision board focuses on the things you want and also displays the feelings you want to have in your life which fall in line with your values. When you are working on small tasks, day to day business, and generally a busy life – it is helpful to keep your BIG dreams and goals front and centre so they stay top of mind.  This a fun task, a study following Harvard students conducted in 1979 proved that setting clear goals and writing them down in words or with images makes people more successful than just thinking about your goals. Many of us had similar images/meanings on our boards with other team members!!  It is a fact that we’d all love to drink more water, connect with the people, and visit a warm sandy beach in 2021! Dream Big, Visualize & GO!

Mortgage rates are at all time historic lows. With a conventional purchase, more than 20% down payment, 30 year amortization at 1.94% 5 year fixed rate and variable rate of 1.70%* (*Rate will fluctuate with prime rate). Insured, high ratio mortgages, with less than 20% down payment and a maximum 25 year amortization are as low as 1.74%. It is best to speak with a licensed Mortgage Broker about your specific situation as there are many factors that affect the mortgage rate: purchase price, down payment, credit score, amortization, etc. It is important to understand the mortgage product being offered in detail, including any restrictions on the mortgage, prepayment privileges, and most importantly understanding the lenders penalty calculation. I am always happy to help even if you just need a second opinion on your mortgage for a new home purchase or advice about best rate offers when you are renewing your current mortgage.

– Laura MacCormack — Licensed Mortgage Broker with Verico Compass Mortgage- www.cleverlending.com or 778-388-4240