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Where’s the mistletoe? ❤️😘
#holidayparty #love #handsomeguy #mortgagelife #holidays
Sorry about the background noise but doing big business never comes easy. Some just make it look that way. I know someone is trying to come for my spot. #atlanta #mortgages #mortgagelife #be #awesome #a #work #catchup #easy #no
Remax Champions Masquerade Party.💃🏻Much Love to @realtorwithacause @jamesmuhammad for the invite, lots of fun. #christmasparty #goodtimes #muchlove #mortgagelife #friendswhoturnintofamily
🤣🤣🤣🤣#team fun #centumregalfinancialcorp #realestate #mortgagelife
Work team building party #mortgagelife
Christmas with The Mortgage Firm!  #christmasparty #mortgagelife #partyanimals
If you are a homeowner in Canada you need to know this information!! At some point while owning your home you will need to renew or refinance your mortgage. The new rule changes will impact you whether you have good credit,  bad credit, are self-employed or salaried. If you have not yet refinanced to beat the rule changes and have a lot of debt, this new rule will impact you the most. .
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Be sure NO MATTER WHAT, do NOT MISS a mortgage payment! It’s easier for us to fight for you with the banks if you have not missed a payment. .
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#getyourmoneyup #mortgagerules #mortgage #mortgagebroker #mortgagelife #housing #canadianhousingmarket #realestate #realtor #torontorealtor #torontorealestate #vancouver #bc #qualifyforless #interestrates #stresstest #money #privatemortgage #mortgagesofcanada #samanthabrookes #huffpostgram #blogger #vlogger #girlboss
If you are a homeowner in Canada you need to know this information!! At some point while owning your home you will need to renew or refinance your mortgage. The new rule changes will impact you whether you have good credit, bad credit, are self-employed or salaried. If you have not yet refinanced to beat the rule changes and have a lot of debt, this new rule will impact you the most. . . Be sure NO MATTER WHAT, do NOT MISS a mortgage payment! It’s easier for us to fight for you with the banks if you have not missed a payment. . . . . #getyourmoneyup  #mortgagerules  #mortgage  #mortgagebroker  #mortgagelife  #housing  #canadianhousingmarket  #realestate  #realtor  #torontorealtor  #torontorealestate  #vancouver  #bc  #qualifyforless  #interestrates  #stresstest  #money  #privatemortgage  #mortgagesofcanada  #samanthabrookes  #huffpostgram  #blogger  #vlogger  #girlboss 
Happy Halloween 👻 🎃 #mortgagelife #loanofficer #realestate #miami
#divitorealestate will get you 
#maximum value and will #sell your #property #fast. List with us now!!
In between shots 📸: @sn.oneal
In between shots 📸: @sn.oneal
Enjoyed being a sponsor for a great event last, EXP REALTY TOYS FOR TOTS! This event has grown bigger and better every year for such a great cause. Big shout out to the organizer, Claudia Price!!
#universitylendinggroup #exprealty #toysfortots #texasmortgages #houstonmortgage #mortgagelife #houstonrealestate
@asvince and her @smcapproved Lexington-Hamburg team want to say Congratulations and that they are so excited for her sister, brother-in-law and kiddos. Today they closed on their forever home! So happy they were able to build on the family farm to be close to their parent's. Please join in and help us welcome the home sweet home! #smcapproved #homesweethome #HomeBuying#HomeLoans#HomeOwnership#HomeSellers#HomeSelling#BuyingAHome#SellingAHome#SMCapproved#SMCshares2017#StocktonMortgage#MortgageLife#MortgageLoans#MortgageBankers#FindYourHome#WellTakeCareOfTheRest#viasmc#HomeSweetHome#SMCdecember17
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To Find @asvince and @smcapproved on @yelp click our bio!
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https://www.yelp.com/biz/stockton-mortgage-company-lexington-3
@asvince and her @smcapproved Lexington-Hamburg team want to say Congratulations and that they are so excited for her sister, brother-in-law and kiddos. Today they closed on their forever home! So happy they were able to build on the family farm to be close to their parent's. Please join in and help us welcome the home sweet home! #smcapproved  #homesweethome  #HomeBuying #HomeLoans #HomeOwnership #HomeSellers #HomeSelling #BuyingAHome #SellingAHome #SMCapproved #SMCshares2017 #StocktonMortgage #MortgageLife #MortgageLoans #MortgageBankers #FindYourHome #WellTakeCareOfTheRest #viasmc #HomeSweetHome #SMCdecember17  - - To Find @asvince and @smcapproved on @yelp click our bio! - - https://www.yelp.com/biz/stockton-mortgage-company-lexington-3
Congrats to this guy here who has continued to grow his #realestate business year after year. He’s also one of the #sweetest guys I know! Here’s to crushing 2018 @1frontdoor 
#realestate #friends #columbus #holidayparty #mortgagelife
Buying a home is a big investment – likely the largest one you will ever make. The cost to buy a home should be carefully considered to avoid the risk of financial difficulty in the future.
Since this decision has a large impact on your wallet, we want to take some time to explore the many costs associated with buying a home. Doing your homework and knowing the average cost of these services in your neighbourhood will help you choose a home within a realistic price range.
1️⃣Deposit: Depending on your location and the price of a home, you may need to put a deposit on a home as a security measure to ensure you don’t lose it to another interested buyer. If you are required to pay a deposit, it will become part of your down payment once you have purchased the home.
2️⃣Down Payment: In Canada, the minimum amount you need to put down on a home is 5%. While this is realistic for most first time home buyers, having a down payment of 20% or more will help buyers avoid paying Mortgage Loan Insurance.
3️⃣Land Transfer Tax: When you buy a home, you are required to pay a land transfer tax to the province upon closing. This tax is normally based on the amount paid for the land, as well as the remaining amount on any mortgage or debt assumed as part of the arrangement to buy the land. Cost will vary depending on your municipality, the size of the land and other factors.  Alberta, Saskatchewan, and parts of Nova Scotia do not have Land Transfer Tax at all, while other provinces use a tiered system.
4️⃣Appraisal Fee: An appraisal will normally cost between $200 and $300 but can vary depending on your location. This will help prevent you from borrowing more than you need to, and will prevent lenders from giving you too much.
5️⃣Home Inspection: A home inspection is a necessary step in your home buying process and will normally cost an average of $350 depending on the size, age, and condition of the home. This helps ensure there are no unexpected maintenance or home improvement costs upon purchasing the home.
Buying a home is a big investment – likely the largest one you will ever make. The cost to buy a home should be carefully considered to avoid the risk of financial difficulty in the future. Since this decision has a large impact on your wallet, we want to take some time to explore the many costs associated with buying a home. Doing your homework and knowing the average cost of these services in your neighbourhood will help you choose a home within a realistic price range. 1️⃣Deposit: Depending on your location and the price of a home, you may need to put a deposit on a home as a security measure to ensure you don’t lose it to another interested buyer. If you are required to pay a deposit, it will become part of your down payment once you have purchased the home. 2️⃣Down Payment: In Canada, the minimum amount you need to put down on a home is 5%. While this is realistic for most first time home buyers, having a down payment of 20% or more will help buyers avoid paying Mortgage Loan Insurance. 3️⃣Land Transfer Tax: When you buy a home, you are required to pay a land transfer tax to the province upon closing. This tax is normally based on the amount paid for the land, as well as the remaining amount on any mortgage or debt assumed as part of the arrangement to buy the land. Cost will vary depending on your municipality, the size of the land and other factors.  Alberta, Saskatchewan, and parts of Nova Scotia do not have Land Transfer Tax at all, while other provinces use a tiered system. 4️⃣Appraisal Fee: An appraisal will normally cost between $200 and $300 but can vary depending on your location. This will help prevent you from borrowing more than you need to, and will prevent lenders from giving you too much. 5️⃣Home Inspection: A home inspection is a necessary step in your home buying process and will normally cost an average of $350 depending on the size, age, and condition of the home. This helps ensure there are no unexpected maintenance or home improvement costs upon purchasing the home.
Where’s the mistletoe? ❤️😘
#holidayparty #love #handsomeguy #mortgagelife #holidays
@veteransinbusiness_dallas for our morning breakfast meeting before we head downtown to help @op_care_int
@veteransinbusiness_dallas for our morning breakfast meeting before we head downtown to help @op_care_int
In honor of star wars opening weekend, my team wants you to know....
In honor of star wars opening weekend, my team wants you to know....
If you are a homeowner in Canada you need to know this information!! At some point while owning your home you will need to renew or refinance your mortgage. The new rule changes will impact you whether you have good credit,  bad credit, are self-employed or salaried. If you have not yet refinanced to beat the rule changes and have a lot of debt, this new rule will impact you the most. .
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Be sure NO MATTER WHAT, do NOT MISS a mortgage payment! It’s easier for us to fight for you with the banks if you have not missed a payment. .
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#getyourmoneyup #mortgagerules #mortgage #mortgagebroker #mortgagelife #housing #canadianhousingmarket #realestate #realtor #torontorealtor #torontorealestate #vancouver #bc #qualifyforless #interestrates #stresstest #money #privatemortgage #mortgagesofcanada #samanthabrookes #huffpostgram #blogger #vlogger #girlboss
If you are a homeowner in Canada you need to know this information!! At some point while owning your home you will need to renew or refinance your mortgage. The new rule changes will impact you whether you have good credit, bad credit, are self-employed or salaried. If you have not yet refinanced to beat the rule changes and have a lot of debt, this new rule will impact you the most. . . Be sure NO MATTER WHAT, do NOT MISS a mortgage payment! It’s easier for us to fight for you with the banks if you have not missed a payment. . . . . #getyourmoneyup  #mortgagerules  #mortgage  #mortgagebroker  #mortgagelife  #housing  #canadianhousingmarket  #realestate  #realtor  #torontorealtor  #torontorealestate  #vancouver  #bc  #qualifyforless  #interestrates  #stresstest  #money  #privatemortgage  #mortgagesofcanada  #samanthabrookes  #huffpostgram  #blogger  #vlogger  #girlboss 
Finally, I am able to market myself for who I am and what value I can bring to each of my clients versus the company I used to work for would down play my worth and value.  #newbeginnings #mortgageplanning #mortgage #mortgagelife #mortgagepro #MBA #CMPS #CWPP #CAPP
Every Christmas we have so much fun pulling out old DVD’s and re-living some of the Christmas Classics, like National Lampoon’s Christmas Vacation!

Did you know that the Griswold home is on a street called ‘Blondie Street’ which was built to look like a suburban neighbourhood? 
The street may look familiar, as it has also been home to many movies and TV series, including Lethal Weapon, Pleasantville, Bewitched, The Partridge Family, and now The Middle. There are 12 residential homes on the street in a variety of styles.

What’s your favourite Christmas movie? #petastewartcpc
Every Christmas we have so much fun pulling out old DVD’s and re-living some of the Christmas Classics, like National Lampoon’s Christmas Vacation! Did you know that the Griswold home is on a street called ‘Blondie Street’ which was built to look like a suburban neighbourhood? The street may look familiar, as it has also been home to many movies and TV series, including Lethal Weapon, Pleasantville, Bewitched, The Partridge Family, and now The Middle. There are 12 residential homes on the street in a variety of styles. What’s your favourite Christmas movie? #petastewartcpc 
...The final product of money lei number ✌🏼#leis #moneylei #homemade #uhgraduation #sistersgraduation #hilife #hawaii #hawaiilife #mortgage #mortgagelife #mortgageloanofficer
My work ladies #mortgagelife #christmasparty #work
🤣🤣🤣🤣#team fun #centumregalfinancialcorp #realestate #mortgagelife
Fun holiday soirée in #sanramon with the gang. 🎄🕎🥂🍾
#workfamily 
#greatteam 
#holidayparty 
#Mortgage 
#mortgagelife 
#california 
#chmlife
Live like you mean it. Don't do it halfway, halfway's just as hard. #berelentless #relentless #motivationalquotes #motivation #mortgagelife #realtorlife #realestate #perspective #instagood #like4like #millionaire #love #likeforlike #garyvee #tonyrobbins
Special thanks to @azjenngo for this very thoughtful gift from @ftbrownies! you are the best!⠀
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#realestate #realestatecio #dontbestatic #realtor #realestateagent #realestateagent #sfeastbay #sfbay #sfbayarea #sanramonca #mortgagelife #masonmac #socialmedia #marketing #snappack #destinationsunshine #referrals
Sorry about the background noise but doing big business never comes easy. Some just make it look that way. I know someone is trying to come for my spot. #atlanta #mortgages #mortgagelife #be #awesome #a #work #catchup #easy #no
Your sales database is a goldmine. Don’t depend on automation to keep in touch with your sphere. You won’t stand out by blending in. Be different and add the personal touch, or your competition will.
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#realestate #realestatecio #dontbestatic #realtor #realestateagent #realestateagent #sfeastbay #sfbay #sfbayarea #sanramonca #mortgagelife #masonmac #socialmedia #marketing #snappack #soi #databasemarketing #standout #keepintouch #crm
B20 Rules are around the corner, if you have questions, give us a call today!! We are here to help!
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#mortgage #mortgagebroker #mortgagerules #knowledgeispower #1realestateexpert #mortgagesofcanada #torontorealestate #realestate #canadianrealestate #realtor #housing #homebuyer #homeowner #money #credit #interestrates #stresstest #samanthabrookes #entrepreneur #mortgagelife
Sadie you did a great job on my Christmas nails! Thanks for making me get out of the box and do something I normally don't:)🎅🎁🎄
Sadie you did a great job on my Christmas nails! Thanks for making me get out of the box and do something I normally don't:)🎅🎁🎄
Mortgages and Mimosas! Thank you @statingthereal and @lincolnsouthbos for having us! 🏡🍾
Mortgages and Mimosas! Thank you @statingthereal and @lincolnsouthbos for having us! 🏡🍾
While in meeting my friend Sarah is snapping me 🤦🏽‍♀️ #WorkSlay 🤷🏽‍♀️😂 #EarlierToday #Meetings #MortgageLife
Todays #dailyui - #004 is about a calculator - Mortgage calculator web app that takes you to a special page after you answer a few questions. This stage shows you a visual that would fluctuate as you input different parameters. #design #webdesign #dribbble
Todays #dailyui  - #004  is about a calculator - Mortgage calculator web app that takes you to a special page after you answer a few questions. This stage shows you a visual that would fluctuate as you input different parameters. #design  #webdesign  #dribbble 
#Repost @zsamortgages (@get_repost)
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Getting pre-approved for a mortgage with us before January 1, 2018 will give you 120 days to purchase a home in the new year under the old regulations,
Alternatively, to avoid the new “test,” mortgage amortization period must be 25 years or less, the purchase price be less than $1 million, the property be owner-occupied, and the primary applicant has a minimum credit score of 600 and 20% or greater as a down payment. Without the 20% down, there is no avoiding the Stress Test; it will be conducted by all lending institutions as a Compliance Rule.
#avoid #restrictions #stresstest #newrule #newmortgagerule #canada #gta #changes #ZenaShekarabiAndAssociates #toronto #ZenaShekarabi #AliEtemadi #housingmarket #ZSAMortgages #ZSATeam #homebuyers #RealEstate #mortgagelife #mortgagetips #torontorealtors #mortgagepros
#Repost  @zsamortgages (@get_repost) ・・・ Getting pre-approved for a mortgage with us before January 1, 2018 will give you 120 days to purchase a home in the new year under the old regulations, Alternatively, to avoid the new “test,” mortgage amortization period must be 25 years or less, the purchase price be less than $1 million, the property be owner-occupied, and the primary applicant has a minimum credit score of 600 and 20% or greater as a down payment. Without the 20% down, there is no avoiding the Stress Test; it will be conducted by all lending institutions as a Compliance Rule. #avoid  #restrictions  #stresstest  #newrule  #newmortgagerule  #canada  #gta  #changes  #ZenaShekarabiAndAssociates  #toronto  #ZenaShekarabi  #AliEtemadi  #housingmarket  #ZSAMortgages  #ZSATeam  #homebuyers  #RealEstate  #mortgagelife  #mortgagetips  #torontorealtors  #mortgagepros 
&&& then of course we have to #tbt it back to Monday when Brett took friend & realtor Paul to the wings game. We aren't kidding about our Detroit sports! 🐙 #Detroit #redwings #loveit #mortgagelife #worklife #workfun #mortgage #loanofficer #realestate #michigan #realtor #instagood #throwback #detroitsports #latergram [NMLS #1467435]
...Last minute trying to finish lei number ✌🏼#leis #uhgraduation #classof2017 #homemadelei #hawaii #hilife #mortgage #mortgageloanofficer #mortgagelife #crafts
Working late and trying to get people into their new homes before Christmas! 🎄
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#mortgage #mortgagelife #work #christmas #realestate #homefortheholidays #realtor #realty #realestate #tulsa #brokenarrow #stpete #tampa #tampabay #home #house  #helpmehelpyou #hustle #10x  #BOBA