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Feb 07

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Take the Stress out of Buying Your First Home
You are pre-approved! What’s next in the mortgage process?
Ready to buy a home?
Your credit – the factors and impacts on credit scores
CMHC Guideline Changes

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elevationmortgageyyc

What a year! 🤩🤪😧😘🙃🫨☺️😃 al

What a year! 🤩🤪😧😘🙃🫨☺️😃 all the feels, highs and lows and lots of change. Our incredible clients 😍 and all those who refer clients to us, share our contact details, pass our names on - we are deeply thankful. We love our work so much. Thanks for being here and following along in our mortgage world and personal lives! We are heading into this year with full hearts and gratitude for all the lessons learned. Here’s to a 2024 that fills our buckets - family, fun, fitness, finance, and finding new paths and lots of incredible adventures! 💙 with love, Happy New Year, Andy and Julie

Merry Christmas from the Jeffery’s! 🎄🎅🏼

Merry Christmas from the Jeffery’s! 🎄🎅🏼❤️

Our four year old…. What a sweet, loving, cuddly

Our four year old…. What a sweet, loving, cuddly little fur girl. 🐶❤️ I’ve been thinking… she needs a little sister. 🤪 🐶🐶

🎄🎄🎄🎄 Connection and celebration was o

🎄🎄🎄🎄

Connection and celebration was on my Christmas wish list! ✨

Plans made, menus chosen, gifts wrapped and with an invite list of some of the best women in #yycrealestate and truly wonderful party season was launched. 🥂💃❤️

Thanks to @buffocalgary for the private room, great service and yummy food. 🍝

Thanks to everyone who came out to celebrate the season and share our wins from 2023 and dreams and goals for 2024! 🎉

My bucket was filled! 😍🥰😘 Very luck gal to get to work with so many truly skilled, caring and successful #yycrealtors and even luckier to call them friends! 🙏🏻💙

#yyc #yycre ##yycrealestate #yycrealtor #yycrealestatemarket ##yychomes #yychomebuilders

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ELEVATION MORTGAGE

julie@elevationmortgage.ca
Julie: 403.828.4832

andy@elevationmortgage.ca
Andy: 403.828.8832

elevationmortgageyyc

What a year! 🤩🤪😧😘🙃🫨☺️😃 al

What a year! 🤩🤪😧😘🙃🫨☺️😃 all the feels, highs and lows and lots of change. Our incredible clients 😍 and all those who refer clients to us, share our contact details, pass our names on - we are deeply thankful. We love our work so much. Thanks for being here and following along in our mortgage world and personal lives! We are heading into this year with full hearts and gratitude for all the lessons learned. Here’s to a 2024 that fills our buckets - family, fun, fitness, finance, and finding new paths and lots of incredible adventures! 💙 with love, Happy New Year, Andy and Julie

Merry Christmas from the Jeffery’s! 🎄🎅🏼

Merry Christmas from the Jeffery’s! 🎄🎅🏼❤️

Our four year old…. What a sweet, loving, cuddly

Our four year old…. What a sweet, loving, cuddly little fur girl. 🐶❤️ I’ve been thinking… she needs a little sister. 🤪 🐶🐶

🎄🎄🎄🎄 Connection and celebration was o

🎄🎄🎄🎄

Connection and celebration was on my Christmas wish list! ✨

Plans made, menus chosen, gifts wrapped and with an invite list of some of the best women in #yycrealestate and truly wonderful party season was launched. 🥂💃❤️

Thanks to @buffocalgary for the private room, great service and yummy food. 🍝

Thanks to everyone who came out to celebrate the season and share our wins from 2023 and dreams and goals for 2024! 🎉

My bucket was filled! 😍🥰😘 Very luck gal to get to work with so many truly skilled, caring and successful #yycrealtors and even luckier to call them friends! 🙏🏻💙

#yyc #yycre ##yycrealestate #yycrealtor #yycrealestatemarket ##yychomes #yychomebuilders

Did you know that income is often the most importa

Did you know that income is often the most important element of a mortgage pre-approval? ⁠
⁠
Understanding the current and historical income and future plans for work is one of the MOST important parts of our mortgage pre-approval conversation. ⁠
⁠
Here are the questions we need to answer, relating to income, in all mortgage pre-approvals..❓️⁠
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What is type of income - salary, hourly, contract, or self-employed? 🧑🏼‍⚕️🧑🏽‍🏭👷🏾⁠
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What are the documents that confirm the current income? A pay statement, a letter of employment, the most recent two years T4s, personal income taxes (T1 Generals), a recent contract? The documentation is often a combination of a number of documents. ⁠
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With a simple salary we can collect as little as a pay statement and letter of employment. ⁠
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As the income becomes more complex - different income streams, hourly, casual or seasonal - the document list will grow. ⁠
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What is the timeline of the current role and income?⁠
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What previous roles were held and what type of income was earned?⁠
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What is the future outlook for the current income - bonuses, industry strength or weakness, the success of the business if self-employed, savings in business accounts are all important questions. ⁠
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So let's talk... really talk and dig deep into all of the details. The more we know, the stronger the mortgage pre-approval! 🏋🏼⁠
#elevationmortgage ⁠
⁠
Andy 📲403-828-8832 Julie 📲403-828-4832⁠
⁠
#yycfamily #yyclife #yycbudget #yycfinances #yycfamilybudget #yycnow #budget #getstarted⁠
#homeowner #buyingahome #keysinhand #yycrealtors ⁠
#yyc #yycrealestate #yycre #yychomes #yychomesales #yycrealtor #yychomebuyer #yycliving #mortgage #yycmortgage #yycmortgages #yycmortagebroker

🎉 Great news…announcement… The Bank of Cana

🎉 Great news…announcement… The Bank of Canada’s Prime interest rate is holding steady, bringing some much-needed stability to the ever-changing mortgage landscape. 💼 As mortgage agents, we're here to share the update and help you navigate the mortgage landscape and rates with ease.

The current BoC rate is the highest in 22 years. What’s next? Well, to put it simply, the BoC raised the rate to get inflation (the increased costs of goods) under control. As the economy cools, the economic numbers relating to employment, purchases, travel, restaurant visits and many other areas will change - we will all spend less because costs are high. That will in turn, will reduce demand for goods and lower inflation. Rates may then decrease. This could happen into the early to mid part of 2024.

✨ Whether you're a first-time homebuyer, repeat buyer, renewing your mortgage or looking to refinance, now is the right time to explore your options 📈 . We are ready to guide you towards the best mortgage solution that suits your unique needs and financial goals.

🤝 So, why not start a conversation today? Reach out to us and let's discuss how we can guide you through any mortgage questions 🏠 Together, we'll make sure you have a smooth mortgage journey from start to finish!

#MortgageAdvice #BankOfCanadaRates

#homeowner #buyingahome #yycrealtors #yyclawyers #yyc #yycliving #yychomes #yycnow #yycmortgage #yycmortagerefinance #saygoodbyetodebt #homeequity #nomorecreditcarddebt
#yycrealestate #yycre #yychomebuyer #yychomesales #yycrealtor #yychomebuyer #mortgage #yycmortgage #yycmortgages #yycmortagebroker #elevationmortgage

Thinking back to our first home and remembering ho

Thinking back to our first home and remembering how much we loved that house! 🏡

The house wasn’t perfect, but it was really cute and a great entry into the housing market. The area wasn’t our first pick but the street was lovely.🤍

We made it our own, we painted all the walls (not our best work 😂) and put in a wood countertop from IKEA. Looked great for a week and then cracked. 🤪 We planted trees and stained the fence.

We hosted our engagement party, got a puppy and had lots of fun with friends and brought our first baby home to that house, he’s now 18! 👶🏼

So don’t get stuck on the perfect house or the dream home… just take the next step and get started with your first home.

We are here to help. 🤓

#yyc #yycrealestate #yycre #yychomes #yychomebuyer #yychomesales #yycrealtor #yychomebuyer #yycliving #mortgage #yycmortgage #yycmortgages #yycmortagebroker #elevationmortgage

⁠ If our walls could talk 🗣️ you would hear

⁠
If our walls could talk 🗣️ you would hear a few topics on repeat: mortgages, mom and dad life, and music. 🎼⁠
⁠
For those of you who are just getting to know us, this is Andy. He's photo shy, but I have the IG password 🤷🏼‍♀️ (👋🏻, XO Julie) so here goes! 📸⁠
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⚪️ He has many years of mortgage experience, we no longer say exactly how many years because he got his start in the banking industry at a very young age. And whose counting anyways? 🙂He is very responsive and always answers his phone, I mean always... 📲 so you know he can reach him! ⁠
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⚪️ We don't just have guitars, we have walls of guitars. He was a professional musician, lead guitar player for many years. One year he played over 300 shows on the east coast- wow! Leading a band and working in the music industry provided so many useful tools - communication skills, calm under pressure, resourcefulness, and working as a team - all serve him well now. ⁠
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⚪️ He is a very successful and an award winning mortgage agent, always at the top of performance list, but he never tells anyone. He's humble and thinks there is always room to improve. 😌⁠
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⚪️ He is so respected by our lender underwriters because his work ethic is stellar, his ability to position a client's mortgage application to get to a yes, approved is incredibly strong, and he never gives up if he believes in a client and their mortgage application. ⁠
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⚪️ The kids know he is the yes parent - yes to a drive, spending money, yes to fun, going out for dinner, shopping, travelling, or friends over... we all need the yes person... I'm clearly the - no maybe not parent, if that wasn't obvious 🤣. ⁠
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⚪️ He loves to travel, is always the driver 🚘️, loves great food and wine and music and the outdoors, he LOVES to laugh and is happiest around others who love to laugh. And loves European crime dramas, the darker the better, are always the number one pick. 📽️⁠
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📞Andy 403-828-8832 📩 andy@elevationmortgage.ca⁠
⁠
📞Julie 403-828-4832 📩 julie@elevationmortgage.ca ⁠
⁠
#yyc #yycrealestate #yycre #yychomes #yychomebuyer #yychomesales #yycrealtor #yychomebuyer #yycliving #mortgage #yycmortgage #yycmortgages #yycmortagebroker #elevationmortgage ⁠
⁠

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