The Mortgage Centre - Hale & Associates

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

Mortgage Centre Canada

Where is the Canadian housing market headed in 2018? CREA’s new CEO weighs in

Hamilton Real Estate Market Update February 2018 | St. Jean Realty

The market here has held up very well, and the prospects for Hamilton are very positive. 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 ...

12 brunch spots worth visiting Hamilton for

Welcome Spring with Brunch Here are 12 great Hamilton brunch spots to help get you started – covering every mood and occasion. Happy brunching!

Bank of Canada makes interest rate announcement

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. And it's as expected

Michael Dell Paid a Record $100.47 Million for Manhattan’s One57 Penthouse

the record for the most expensive home ever sold in New York City Dell Technologies founder Michael Dell quietly paid $100.47 million for a penthouse at Manhattan’s One57, setting a record for the city.

Family Day activities, Black History Month and more news from the City of St. Catharines Council Highlights offers informal summaries of some of the recent decisions and business discussed during St. Catharines City Council meetings.

Hamilton houses double in price in 10 years

Hamilton Homes DOUBLE in price in 10 years

Hamilton houses double in price in 10 years

Invest in Hamilton

Hamilton deemed among top 7 ‘Intelligent communities in the world’

Hamilton's recognition among the top seven Intelligent Communities is a testament to the impressive collaboration efforts over the last year Take a bow, Hamilton.

Mortgage Centre Canada

Everyone seems to think high walk scores mean the neighbourhood is better, but isn't walkability subjective? What do walk scores mean to you?

We Skipped the Big Wedding to Buy a House Instead It's a choice we would say "I do" to again and again.

Bank of Canada increases overnight rate target to 1 1/4 per cent 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.

the numbers
Niagara Region | Hamilton

Canadian real estate market outlook 2018 - MoneySense

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. 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

Gord Dahlen on LinkedIn: “Hiring a mortgage broker is… 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…

Here’s what to expect when Canada’s new mortgage rules roll out in 2018: expert

want to know what to expect ...
please speak with our Brokers

1.877.385.4822 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, free New Year's Eve family skate and swim, and more news from the City of St. Catharines

Holiday Activities in the Niagara Region

December City News News and Events from the City of Niagara Falls!

Websites share Toronto home data after court rules sale prices can't be kept secret

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 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.

understand Value
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

Mortgage Centre Canada

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

3 ways to dress up your mantle for the holidays | Style at Home

Welcome December A few simple pieces can quickly take your mantel from everyday to holiday-ready.

Mortgage Centre Canada

Holiday Home #IAMSOLD
Joe Grifa | Realtor Mortgage Broker

“7 tips for listing your home during the holidays”

Mortgage Centre Canada

Here are 10 helpful queries we've answered recently that might help you on your journey to homeownership. #realestate #homeownership

Buying a Home in 2018? Here's What You Need to Do Now

talk to your Broker - step 1 Peace out, landlords!

They shall grow not old,
as we that are left grow old

Age shall not weary them,
nor the years condemn

At the going down of the sun and in the morning,

We will remember them

We will remember them

Attention first homebuyers: Will you pass the NEW mortgage stress test?

Talk to your Broker Team New rules for qualifying for a mortgage start in January. Take the test now and see if you pass

Low interest rates have turned us into a country of money klutzes

The single worst thing to happen to this country's personal finances in the past 10 years is the decline in interest rates. Current economic conditions have invited less than optimum financial behaviour

Hamilton Real Estate Market Update October 2017

Hamilton Real Estate Market | October 2017 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

Niagara Region Real Estate Report | October 2017

Contact Our Team

Bank of Canada holds rate, suggests more hikes likely at more cautious pace

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. 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

These are Canada's 10 priciest neighbourhoods Vancouver West Side is the priciest neighbourhood in Canada on a price-per-square-foot basis, and the city dominates the top 10

Mortgage Centre Canada

How Canada's new mortgage rules could impact the Bank of Mom and Dad

Budget talk, Trillium Award winners, family history workshops and more news from the City of St. Catharines

The Garden City Current | News in Your Neighbourhood Council Highlights offers informal summaries of some of the recent decisions and business discussed during St. Catharines City Council meetings.

Tougher OSFI Mortgage Rules to Come in January | Zoocasa Life

Thinking of applying for a mortgage? You now have until January 1st before new rules, designed to make it tougher for borrowers to qualify, take effect. Tougher OSFI mortgage rules have been announced, requiring low-ratio borrowers to qualify at higher criteria when applying for a mortgage.

Mortgage Centre Canada

Thinking of selling your home this fall? Give your home beautiful autumn curb appeal with these 6 tips!

Final changes to residential mortgage guidelines are out!
Effective January 1, 2018.
Trust our family... to help YOURS!

The Hamilton Development Boom: High-Rises

Hamilton is changing ...

We all know this. If you’ve been paying attention to Hamilton, this isn’t anything new. The city just announced that it hit a record-setting milestone of over one billion dollars in building permits within the last nine months. Hamilton is changing. We all know this. If you’ve been paying attention to Hamilton, this isn’t anything new. The city just announced that it hit a record-setting milestone of over one bil

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302 Brucedale Avenue East
Hamilton, ON
L9A 1R1

Opening Hours

Monday 09:00 - 17:00
Tuesday 09:00 - 17:00
Wednesday 09:00 - 17:00
Thursday 09:00 - 17:00
Friday 09:00 - 17:00
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Tracy Vrkljan - RMA Mortgage Agent Lic# M15000738 Tracy Vrkljan - RMA Mortgage Agent Lic# M15000738
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Leo Escobar - Virtual Mortgage Broker Leo Escobar - Virtual Mortgage Broker
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