The Mortgage Centre - Hale & Associates
Operating from the US Border through to the GTA & Ontario
As your local Mortgage Centre Broker Team, we assist home buyers through the financing process every day. We are a family of Accredited Mortgage Professionals (AMP) who have joined forces to keep the clients best interests in mind.
Our Team works for You and not the lender, therefore we are committed to providing you with the best available package of rate and features for your clients particular situation and goals.
With a mortgage banking background that combines fifty plus years, we uphold a genuine dedication to the ‘Customer for Life’ principle of doing business, servicing any type of mortgage need.
The Hale Grifa Team | Our Family Helping Yours
WHERE DO THE PARTIES STAND ON HOME OWNERSHIP ISSUES?
twitter.com “Long before we had a lit sign at city hall, THIS was the #HamOnt landmark guiding passersby along the QEW. It's back, all spiffed up. All painting should be done by next month.”
The central bank held its target for the overnight rate _ a key financial benchmark that influences the prime lending rates at the country's big banks _ steady at 1.25 per cent.
canadianrealestatemagazine.ca The bank noted that the Canadian economy was a little stronger than expected in the first quarter.
Long Weekend Projects
apartmenttherapy.com We have a little get-ahead exercise that you can easily handle before Monday morning.
CAF training in Hamilton will cease this afternoon following information from a concerned citizen regarding the potential impact to wildlife during overflights. CANSOFCOM thanks the @cityofhamilton for their support and understanding in allowing them to conduct this valuable training here.
#HamOnt Don't be alarmed if you see helicopters circling downtown - members of the Canadian Armed Forces are conducting routine training on May 15-17 3-5:30pm and 8:30-11pm https://globalnews.ca/news/4209757/canadian-forces-training-in-hamilton-this-week/
Get out your calendar, there's lots to look forward to next month in Hamilton. 10 must-attend May events happening in the city. https://tourismhamilton.com/10-must-attend-events-hamilton-2018 #HamOnt
The #HamOntSign has been lit!
Tremendous Hamilton pride tonight
canadianmortgagesinc.ca Owning a home can be incredibly expensive depending on where you live. Most homeowners must take out a mortgage to finance the purchase of their properties if they are unable to pay for it outright. Although mortgages are common, nobody likes being in debt for an extended time period. This is why so...
Where is the Canadian housing market headed in 2018? CREA’s new CEO weighs in
The market here has held up very well, and the prospects for Hamilton are very positive.
stjeanrealty.com The Hamilton-Burlington Realtor’s Association has released Hamilton’s February 2018 market stats. This is the second month into the 2018 real estate market — and the second month following the new OFFSI mortgage rules. At this time last year, we were experiencing one of the hottest markets in ...
Welcome Spring with Brunch
tourismhamilton.com Here are 12 great Hamilton brunch spots to help get you started – covering every mood and occasion. Happy brunching!
In explaining its decision to maintain its benchmark rate at 1.25 per cent, the central bank notes that recent trade policy developments are a key source of uncertainty for the Canadian and global outlooks.
canadianrealestatemagazine.ca And it's as expected
the record for the most expensive home ever sold in New York City
wsj.com Dell Technologies founder Michael Dell quietly paid $100.47 million for a penthouse at Manhattan’s One57, setting a record for the city.
campaign.r20.constantcontact.com Council Highlights offers informal summaries of some of the recent decisions and business discussed during St. Catharines City Council meetings.
Hamilton Homes DOUBLE in price in 10 years
Invest in Hamilton
Hamilton's recognition among the top seven Intelligent Communities is a testament to the impressive collaboration efforts over the last year
thespec.com Take a bow, Hamilton.
Everyone seems to think high walk scores mean the neighbourhood is better, but isn't walkability subjective? What do walk scores mean to you?
apartmenttherapy.com It's a choice we would say "I do" to again and again.
bankofcanada.ca The Bank of Canada today increased its target for the overnight rate to 1 1/4 per cent. The Bank Rate is correspondingly 1 1/2 per cent and the deposit rate is 1 per cent.
Niagara Region | Hamilton
What does this mean for buyers?
As a buyer, you’d be wise to secure a mortgage pre-approval before shopping for a home. Don’t just do a quick, online calculation — talk to a Mortgage Broker.
Adam Hale Bruce Hale
For those buyers struggling to get a loan, consider going through non-prime mortgage lenders. These Alternative Lenders Adam Hale specialize in buyers turned down by banks, as they allow for more non-traditional income and permit higher debt ratios (up to 50% total debt service ratio, versus the 42% guideline used by the banks). Another option is to increase the length of amortization on the mortgage, which lowers the debt service ratio used to qualify for the loan.
What does this mean for sellers?
For sellers across Canada, it’s time to reset expectations. Gone are the days when you could expect to sell your home in a week or less (for more money than your neighbour, who only sold a month ago). Buyers are struggling to afford what’s out there and the result is a rise in inventory and a drop in sales activity.
moneysense.ca Analysts aren’t too concerned about the Canadian real estate market in 2018. Most markets will simply flatline before rebalancing by the end of the year
linkedin.com Hiring a mortgage broker is one of the simplest parts of the home buying process, and yet, according to a survey by the Mortgage Professionals Associ…
want to know what to expect ...
please speak with our Brokers
news.buzzbuzzhome.com Time is running out before new Canadian mortgage rules kick in, which could potentially make it harder for first-time buyers to get a mortgage.
Holiday Activities in the Niagara Region
mailchi.mp News and Events from the City of Niagara Falls!
Finally! ... the RE Industry has a tight hold on important data that Buyers & Sellers require
the Ontarion RE Market can learn from the US Zillow
cbc.ca Some websites already have selling prices posted for Toronto homes after a legal ruling saying the Toronto Real Estate Board has no right to keep sold prices secret. But real estate agencies are being cautious.
it’s not just what you paid!
be smart when choosing who you work with on both the real estate & finance side of the deal
Agent and broker advice will be crucial in 2018 CONTACT your local MCC broker, their knowledge and expertise will help you navigate the new rules www.mortgagecentre.com. http://m.repmag.ca/news/agent-and-broker-advice-will-be-crucial-in-2018-234805.aspx
styleathome.com A few simple pieces can quickly take your mantel from everyday to holiday-ready.
Holiday Home #IAMSOLD
Joe Grifa | Realtor Mortgage Broker
“7 tips for listing your home during the holidays” http://blog.newinhomes.com/news/7-tips-for-listing-your-home-during-the-holidays/
Here are 10 helpful queries we've answered recently that might help you on your journey to homeownership.
http://ht.ly/qhzV30gKOKS #realestate #homeownership
talk to your Broker - step 1
apartmenttherapy.com Peace out, landlords!
Talk to your Broker Team
business.financialpost.com New rules for qualifying for a mortgage start in January. Take the test now and see if you pass
The single worst thing to happen to this country's personal finances in the past 10 years is the decline in interest rates.
theglobeandmail.com Current economic conditions have invited less than optimum financial behaviour
Hamilton Real Estate Market | October 2017
stjeanrealty.com By: Michael St. Jean Hamilton Real Estate Market Update October 2017 Tags: Hamilton Real Estate October 2017, RAHB, Hamilton Real Estate, Enter Blog Post Here
In its scheduled announcement, the central bank said it held off this time in part because it expects the recent strength of the Canadian dollar to slow the rise in the pace of inflation.
canadianrealestatemagazine.ca The Bank of Canada left its benchmark interest rate unchanged Wednesday following two straight hikes, but suggested future increases are still likely, albeit at a more-gradual pace
canadianrealestatemagazine.ca Vancouver West Side is the priciest neighbourhood in Canada on a price-per-square-foot basis, and the city dominates the top 10
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Lending solutions to suit your lifestyle.
Buy, Sell & Trade - New & Used Goods Downtown Hamilton's favorite Buy & Sell shop!
At Mortgage Teacher, we educate you to help you make smart mortgage choices. We negotiate in your best interest to get you the rates and terms you want.
The Personal Mortgage Group
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A full service mortgage brokerage dedicated to helping families achieve financial balance and well-being.
Simply the best mortgage solutions from Hamilton Mortgage Brokers and Burlington Mortgage Broker Canada. See me for residential mortgages to buy a home, re
We are a family owed an operated business since 1985 where 3 generations of Mortgage Brokers have helped thousands of clients with their mortgage financing needs. If you are thinking of buying, refinancing or debt consolidating then let us help you.
We are here to help individuals access cash using the equity in their vehicle.
We work with the client and over 35 lenders to find you the best mortgage possible.
I specialize in purchases, refinances, switches and more! Even if your credit isn't the best, I can still help you get a mortgage as I have access to over 100 lenders, banks and credit unions!