09-06-2016, 01:31 PM
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#61
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Scoring Winger
Join Date: Sep 2014
Location: Calgary, AB
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Current Rates to Open Week Sept 6, 2016
Prime Rate - 2.70%
Special Rate Offers
5 Year Fixed - 2.34% High Ratio Only, Owner Occupied, some restrictions apply.
5 Year ARM/VRM - 2.10% High Ratio Only, Owner Occupied, some restrictions apply.
Full Feature Rates -- 90 to 120 day rate protection
Starting at:
2 Year Fixed - 2.19%
3 Year Fixed - 2.24%
4 Year Fixed - 2.44%
5 Year Fixed - 2.39%
3 Year + ARM - 2.20% * Maturity is Nov 2019
5 Year ARM/VRM - 2.20%
HELOC Rates Prime +0.50%
Builder - New Home Mortgage Rates
5 Year Fixed - 6 Month Rate Hold - 2.59%* High Ratio and Conventional
5 Year Fixed - 12 Month Rate Hold - 3.24%* High Ratio
5 Year Fixed - 12 Month Rate Hold - 3.34%* Conventional
Call or PM for MORE "UnPublished" rates or other term information.
OAC, some terms and conditions may apply, rates subject to change without notice
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11-14-2016, 11:12 AM
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#62
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Scoring Winger
Join Date: Sep 2014
Location: Calgary, AB
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Current Rates to Open Week Nov 14, 2016, 2016
Prime Rate - 2.70%
Special Rate Offers
5 Year Fixed - 2.34% High Ratio Only, Owner Occupied, some restrictions apply.
5 Year ARM/VRM - 2.15% High Ratio Only, Owner Occupied, some restrictions apply.
Full Feature Rates -- 90 to 120 day rate protection
Starting at:
2 Year Fixed - 2.19%
3 Year Fixed - 2.24%
4 Year Fixed - 2.39%
5 Year Fixed - 2.44% - 2.49%
3 Year + ARM - 2.20% * Maturity is Nov 2019
5 Year ARM/VRM - 2.20%
HELOC Rates Prime +0.50%
Builder - New Home Mortgage Rates
5 Year Fixed - 6 Month Rate Hold - 2.59%* High Ratio and Conventional
5 Year Fixed - 12 Month Rate Hold - 3.24%* High Ratio
5 Year Fixed - 12 Month Rate Hold - 3.34%* Conventional
Call or PM for MORE "UnPublished" rates or other term information.
OAC, some terms and conditions may apply, rates subject to change without notice
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11-14-2016, 11:12 AM
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#63
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Scoring Winger
Join Date: Sep 2014
Location: Calgary, AB
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We are receiving notices that rates are rising tonight for a few lenders and likely will see more announcements today and as the days come.
The 5 Year Bond Yield has risen quite a bit since the US election. The bond has increased approx. 0.20 +...
We are seeing 5 year fixed rates increasing by about 20bps on the rates posted above.
Call or email if you have questions.
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11-22-2016, 01:38 PM
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#64
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Scoring Winger
Join Date: Sep 2014
Location: Calgary, AB
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Current Rates to Open Week Nov 21, 2016
Prime Rate - 2.70%
Special Rate Offers
5 Year Fixed - 2.34% High Ratio Only, Owner Occupied, 60 days Quick Close
5 Year ARM/VRM - 2.20% High Ratio Only, Owner Occupied
Full Feature Rates -- 90 to 120 day rate protection
Starting at:
2 Year Fixed - 2.19%
3 Year Fixed - 2.24%
4 Year Fixed - 2.39%
5 Year Fixed - 2.44% - 2.49% *some restriction and may not last much longer (average 5 year is approx. 2.64% and up)
3 Year + ARM - 2.20% * Maturity is May 2020
5 Year ARM/VRM - 2.25%
HELOC Rates Prime +0.50%
Builder - New Home Mortgage Rates
5 Year Fixed - 6 Month Rate Hold - 2.74%* High Ratio and Conventional
5 Year Fixed - 12 Month Rate Hold - 3.04%* High Ratio
5 Year Fixed - 12 Month Rate Hold - 3.14%* Conventional
Call or PM for MORE "UnPublished" rates or other term information.
OAC, some terms and conditions may apply, rates subject to change without notice
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12-05-2016, 04:05 PM
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#65
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Scoring Winger
Join Date: Sep 2014
Location: Calgary, AB
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Current Rates to Open Week Dec 5, 2016
Prime Rate - 2.70%
Special Rate Offers
5 Year Fixed - 2.44% High Ratio Only, Owner Occupied, 60-90 days Quick Close
5 Year ARM/VRM - 2.20% High Ratio Only, Owner Occupied
Full Feature Rates -- 90 to 120 day rate protection
Starting at:
2 Year Fixed - 2.29%
3 Year Fixed - 2.34%
4 Year Fixed - 2.39%
5 Year Fixed - 2.69%
NOTE; Refinance transactions have adjusted pricing:
5 Year Fixed - 2.74% -- up to 25 year amortization - add 0.10% for 30 year amortizations
3 Year + ARM - 2.20% * Maturity is May 2020
5 Year ARM/VRM - 2.25%
HELOC Rates Prime +0.50%
Builder - New Home Mortgage Rates
5 Year Fixed - 6 Month Rate Hold - 2.79%* High Ratio and Conventional
5 Year Fixed - 12 Month Rate Hold - 3.09%* High Ratio
5 Year Fixed - 12 Month Rate Hold - 3.19%* Conventional
Call or PM for MORE "UnPublished" rates or other term information.
OAC, some terms and conditions may apply, rates subject to change without notice
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12-05-2016, 04:19 PM
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#66
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Scoring Winger
Join Date: Sep 2014
Location: Calgary, AB
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Heads Up everyone...
Rates are changing daily. Lenders are adjusting to the rule changes from Oct 17th and on Nov 30... as well the increase in the 5-Year Bond Yield since the US election.
Along with the increase in standard rates, there are rate Premiums on a variety of products to be aware of:
* Rentals will see a rate premium of approx. 25bps (0.25%) over and above a Principal Owner Occupied Property
* Amortizations over 25 years - we are seeing some lenders with a 10bps rate premium
* Refinances - we are seeing some lenders with different rates on refinances
Along with the mortgage changes and rate premiums... it is very important to reach out early to ensure you understand all your options and protect rates. We do expect to see more changes in the coming months.
Please reach out for a free no obligation call or meeting to discuss your situation and options.
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12-16-2016, 01:42 PM
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#67
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Scoring Winger
Join Date: Sep 2014
Location: Calgary, AB
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As most have seen, fixed rates continue to change and we have seen some variable rate discount changes too. Updated rates will be posted Monday - in the meantime, please review existing promotions or PM me for available rates.
This rates won't last much longer!
Purchase Transactions ONLY
5 Year 2.49%
- High Ratio & Conventional
- Must close January 31, 2017
5 year P-45 to -0.50%
- High Ratio & Conventional
- 90 day rate hold
* Not available for switches or rentals
Other terms and rates available... please contact me if you have questions.
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01-03-2017, 09:27 AM
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#68
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Scoring Winger
Join Date: Sep 2014
Location: Calgary, AB
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Current Rates to Open Week Jan 2, 2017
Prime Rate - 2.70%
Special Rate Offers
2 Year Fixed - 2.14% High Ratio Only, Owner Occupied, 120 Days Close
5 Year Fixed - 2.49% High Ratio Only, Owner Occupied, 60 days Quick Close
5 Year Fixed - 2.69% High Ratio Only, Owner Occupied, 120 Days Close
5 Year ARM/VRM - 2.10% High Ratio Only, Owner Occupied
Full Feature Rates -- 90 to 120 day rate protection
Starting at:
2 Year Fixed - 2.34%
3 Year Fixed - 2.44%
4 Year Fixed - 2.49%
5 Year Fixed - 2.69%
3 Year + ARM - 2.20% * Maturity is May 2020
5 Year ARM/VRM - 2.25%
HELOC Rates Prime +0.50%
Refinance Rates
5 Year Fixed - 2.74% - 2.89%
Builder - New Home Mortgage Rates
5 Year Fixed - 6 Month Rate Hold - 2.84%* High Ratio and Conventional
5 Year Fixed - 12 Month Rate Hold - 3.20%* High Ratio
5 Year Fixed - 12 Month Rate Hold - 3.30%* Conventional
Rental Rates
5 Year Fixed - 3.04% - 3.19%
Call or PM for MORE "UnPublished" rates or other term information.
OAC, some terms and conditions may apply, rates subject to change without notice
Last edited by Mortgage Made Easy; 01-03-2017 at 02:11 PM.
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01-16-2017, 03:20 PM
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#69
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Scoring Winger
Join Date: Sep 2014
Location: Calgary, AB
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Current Rates to Open Week Jan 16, 2017
Prime Rate - 2.70%
Special Rate Offers
3 Year Fixed - 2.44% High Ratio Only, Owner Occupied, 120 Days Close
5 Year Fixed - 2.64% High Ratio Only, Owner Occupied, 45-60 days Quick Close
5 Year ARM/VRM - 2.10% High Ratio Only, Owner Occupied
Full Feature Rates -- 90 to 120 day rate protection
Starting at:
2 Year Fixed - 2.34%
3 Year Fixed - 2.44%
4 Year Fixed - 2.44%
5 Year Fixed - 2.69%
3 Year + ARM - 2.20% * Maturity is May 2020
5 Year ARM/VRM - 2.25%
HELOC Rates Prime +0.50%
Refinance Rates
5 Year Fixed - 2.79% - 2.89%
Builder - New Home Mortgage Rates
5 Year Fixed - 6 Month Rate Hold - 2.84%* High Ratio and Conventional
5 Year Fixed - 12 Month Rate Hold - 3.20%* High Ratio
5 Year Fixed - 12 Month Rate Hold - 3.30%* Conventional
Rental Rates
5 Year Fixed - 3.04% - 3.19%
Call or PM for MORE "UnPublished" rates or other term information.
OAC, some terms and conditions may apply, rates subject to change without notice
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01-30-2017, 04:12 PM
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#70
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Scoring Winger
Join Date: Sep 2014
Location: Calgary, AB
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Current Rates to Open Week Jan 30, 2017
Prime Rate - 2.70%
Special Rate Offers
3 Year Fixed - 2.44% High Ratio Only, Owner Occupied, 120 Days Close
5 Year ARM/VRM - 2.10% High Ratio Only, Owner Occupied
Full Feature Rates -- 90 to 120 day rate protection
Starting at:
2 Year Fixed - 2.34%
3 Year Fixed - 2.44%
4 Year Fixed - 2.59%
5 Year Fixed - 2.64%
3 Year + ARM - 2.20% * Maturity is May 2020
5 Year ARM/VRM - 2.25%
HELOC Rates Prime +0.50%
Refinance Rates
5 Year Fixed - 2.79% - 2.99%
Builder - New Home Mortgage Rates
5 Year Fixed - 6 Month Rate Hold - 2.84%* High Ratio and Conventional
5 Year Fixed - 12 Month Rate Hold - 3.25%* High Ratio
5 Year Fixed - 12 Month Rate Hold - 3.35%* Conventional
Rental Rates
5 Year Fixed - 3.04% - 3.19%
Call or PM for MORE "UnPublished" rates or other term information.
OAC, some terms and conditions may apply, rates subject to change without notice
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02-01-2017, 07:59 AM
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#71
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First Line Centre
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Quote:
Originally Posted by Mortgage Made Easy
Builder - New Home Mortgage Rates
5 Year Fixed - 6 Month Rate Hold - 2.84%* High Ratio and Conventional
5 Year Fixed - 12 Month Rate Hold - 3.25%* High Ratio
5 Year Fixed - 12 Month Rate Hold - 3.35%* Conventional
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Would you typically see these rates come down when you get closer to possession of your new homes or do you lock in at these rates and its 100% final?
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02-01-2017, 08:47 AM
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#72
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Scoring Winger
Join Date: Sep 2014
Location: Calgary, AB
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Quote:
Originally Posted by rohara66
Would you typically see these rates come down when you get closer to possession of your new homes or do you lock in at these rates and its 100% final?
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Good morning rohara66 -
The builder rates are protection during the build time primarily. It has 2 purposes:
1- Provide you with an approval that the builder will require for the full build time. Not all builders require this but is common.
2- Protects you in case rates rise and the builder rate is the worse case rate you would get.
The majority of the time, the rates can be reset to the lenders current rates within their specific rate hold timeframe... which is typically 90 to 180 days.
Hope that answers your questions. ~ Tim
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The Following User Says Thank You to Mortgage Made Easy For This Useful Post:
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02-09-2017, 04:22 PM
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#73
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Scoring Winger
Join Date: Sep 2014
Location: Calgary, AB
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A few new promotions announced this week.
5 Year Fixed - 2.59% High Ratio Only, Owner Occupied, Must Close March 31st
Extended rate holds for Builds:
5yr fixed – 2.64% High Ratio Only, Up to 180-day Hold
5yr fixed – 3.14% High Ratio Only, 9-month Hold
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02-27-2017, 08:31 AM
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#74
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Scoring Winger
Join Date: Sep 2014
Location: Calgary, AB
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Current Rates to Open Week Feb 27, 2017
Prime Rate - 2.70%
Special Rate Offers
5 Year Fixed - 2.54% High Ratio Purchase or Switch Only, Owner Occupied, Close in 90 days (some restrictions)
5 Year ARM/VRM - 1.90% High Ratio Purchase or Switch Only, Owner Occupied, Close in 90 days (some restrictions)
Extended rate holds for Builds:
5yr fixed – 2.64% High Ratio Only, Up to 180-day Hold
5yr fixed – 3.14% High Ratio Only, 9-month Hold
Full Feature Rates -- 90 to 120 day rate protection
Starting at:
2 Year Fixed - 2.34%
3 Year Fixed - 2.44%
4 Year Fixed - 2.59%
5 Year Fixed - 2.64%
3 Year + ARM - 2.20% * Maturity is May 2020
5 Year ARM/VRM - 2.30%
HELOC Rates Prime +0.50%
Refinance Rates
5 Year Fixed - 2.79% - 2.99%
Builder - New Home Mortgage Rates
5 Year Fixed - 6 Month Rate Hold - 2.79%* High Ratio and Conventional
5 Year Fixed - 12 Month Rate Hold - 3.25%* High Ratio
5 Year Fixed - 12 Month Rate Hold - 3.44%* Conventional
Rental Rates
5 Year Fixed - 2.94% - 3.19%
Call or PM for MORE "UnPublished" rates or other term information.
OAC, some terms and conditions may apply, rates subject to change without notice
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03-06-2017, 12:28 PM
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#75
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Scoring Winger
Join Date: Sep 2014
Location: Calgary, AB
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Current Rates to Open Week Mar 6, 2017
Prime Rate - 2.70%
Special Rate Offers
5 Year Fixed - 2.54% High Ratio Purchase or Switch Only, Owner Occupied, Close in 90 days (some restrictions)
5 Year ARM/VRM - 1.90% High Ratio Purchase or Switch Only, Owner Occupied, Close in 90 days (some restrictions)
Extended rate holds for Builds:
5yr fixed – 2.64% High Ratio Only, Up to 180-day Hold
5yr fixed – 3.14% High Ratio Only, 9-month Hold
Full Feature Rates -- 90 to 120 day rate protection
Starting at:
2 Year Fixed - 2.34%
3 Year Fixed - 2.44%
4 Year Fixed - 2.59%
5 Year Fixed - 2.64%
3 Year + ARM - 2.20% * Maturity is May 2020
5 Year ARM/VRM - 2.30%
HELOC Rates Prime +0.50%
Refinance Rates
5 Year Fixed - 2.79% - 2.99%
Builder - New Home Mortgage Rates
5 Year Fixed - 6 Month Rate Hold - 2.79%* High Ratio and Conventional
5 Year Fixed - 12 Month Rate Hold - 3.25%* High Ratio
5 Year Fixed - 12 Month Rate Hold - 3.44%* Conventional
Rental Rates
5 Year Fixed - 2.94% - 3.19%
Call or PM for MORE "UnPublished" rates or other term information.
OAC, some terms and conditions may apply, rates subject to change without notice
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03-13-2017, 08:24 AM
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#76
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Scoring Winger
Join Date: Sep 2014
Location: Calgary, AB
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Current Rates to Open Week Mar 13, 2017
Prime Rate - 2.70%
Special Rate Offers
5 Year Fixed - 2.54% High Ratio Purchase or Switch Only, Owner Occupied, Close in 90 days (some restrictions)
5 Year ARM/VRM - 1.90% High Ratio Purchase or Switch Only, Owner Occupied, Close in 90 days (some restrictions)
Extended rate holds for Builds:
5yr fixed – 2.64% High Ratio Only, Up to 180-day Hold
5yr fixed – 3.14% High Ratio Only, 9-month Hold
Full Feature Rates -- 90 to 120 day rate protection
Starting at:
2 Year Fixed - 2.34%
3 Year Fixed - 2.44%
4 Year Fixed - 2.59%
5 Year Fixed - 2.64%
3 Year + ARM - 2.20% * Maturity is May 2020
5 Year ARM/VRM - 2.30%
HELOC Rates Prime +0.50%
Refinance Rates
5 Year Fixed - 2.79% - 2.99%
Builder - New Home Mortgage Rates
5 Year Fixed - 6 Month Rate Hold - 2.79%* High Ratio and Conventional
5 Year Fixed - 12 Month Rate Hold - 3.25%* High Ratio
5 Year Fixed - 12 Month Rate Hold - 3.44%* Conventional
Rental Rates
5 Year Fixed - 2.94% - 3.19%
Call or PM for MORE "UnPublished" rates or other term information.
OAC, some terms and conditions may apply, rates subject to change without notice
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03-20-2017, 09:34 AM
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#77
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Scoring Winger
Join Date: Sep 2014
Location: Calgary, AB
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Current Rates to Open Week Mar 20, 2017
Prime Rate - 2.70%
Special Rate Offers
5 Year Fixed - 2.49% High Ratio Purchase or Switch Only, Owner Occupied, Close in 90 days (some restrictions)
5 Year ARM/VRM - 1.90% High Ratio Purchase or Switch Only, Owner Occupied, Close in 90 days (some restrictions)
Extended rate holds for Builds:
5yr fixed – 2.64% High Ratio Only, Up to 180-day Hold
5yr fixed – 3.14% High Ratio Only, 9-month Hold
Full Feature Rates -- 90 to 120 day rate protection
Starting at:
2 Year Fixed - 2.34%
3 Year Fixed - 2.44%
4 Year Fixed - 2.59%
5 Year Fixed - 2.64%
3 Year + ARM - 2.10% * Maturity is May 2020
5 Year ARM/VRM - 2.05%
HELOC Rates Prime +0.50%
Refinance Rates
5 Year Fixed - 2.79% - 2.99%
Builder - New Home Mortgage Rates
5 Year Fixed - 6 Month Rate Hold - 2.74%* High Ratio and Conventional
5 Year Fixed - 12 Month Rate Hold - 3.25%* High Ratio
5 Year Fixed - 12 Month Rate Hold - 3.44%* Conventional
Rental Rates
5 Year Fixed - 2.94% - 3.19%
Call or PM for MORE "UnPublished" rates or other term information.
OAC, some terms and conditions may apply, rates subject to change without notice
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04-04-2017, 08:31 AM
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#78
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Scoring Winger
Join Date: Sep 2014
Location: Calgary, AB
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Special Offer
5-year Fixed @ 2.54%
* Available for All Loan to Values
* Maximum Amortization is 25-years
* Quick Close - Must Close by May 31, 2017
* Owner Occupied Purchases ONLY
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04-10-2017, 11:50 AM
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#79
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Scoring Winger
Join Date: Sep 2014
Location: Calgary, AB
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Current Rates to Open Week April 10, 2017
Prime Rate - 2.70%
Special Rate Offers
5 Year Fixed - 2.44% High Ratio Purchase or Switch Only, Owner Occupied, Close in 90 days (some restrictions)
5-year Fixed @ 2.54%
* Available for All Loan to Values
* Maximum Amortization is 25-years
* Quick Close - Must Close by May 31, 2017
* Owner Occupied Purchases ONLY
5 Year ARM/VRM - 1.90% High Ratio Purchase or Switch Only, Owner Occupied, Close in 90 days (some restrictions)
Extended rate holds for Builds:
5yr fixed – 2.64% High Ratio Only, Up to 180-day Hold
5yr fixed – 3.14% High Ratio Only, 9-month Hold
Full Feature Rates -- 90 to 120 day rate protection
Starting at:
2 Year Fixed - 2.34%
3 Year Fixed - 2.44%
4 Year Fixed - 2.59%
5 Year Fixed - 2.54% * 90-Days
5 Year Fixed - 2.59% * 120-Days
3 Year + ARM - 2.10% * Maturity is May 2020
5 Year ARM/VRM - 2.00%
HELOC Rates Prime +0.50%
Refinance Rates
5 Year Fixed - 2.74% - 2.84%
Builder - New Home Mortgage Rates
5 Year Fixed - 6 Month Rate Hold - 2.64%* High Ratio
5 Year Fixed - 6 Month Rate Hold - 2.74%* Conventional
5 Year Fixed - 12 Month Rate Hold - 3.25%* High Ratio
5 Year Fixed - 12 Month Rate Hold - 3.44%* Conventional
Rental Rates
5 Year Fixed - 2.89%
Call or PM for MORE "UnPublished" rates or other term information.
OAC, some terms and conditions may apply, rates subject to change without notice
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05-17-2017, 09:31 AM
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#80
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Scoring Winger
Join Date: Sep 2014
Location: Calgary, AB
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Current Rates to Open Week May 15, 2017
Prime Rate - 2.70%
Special Rate Offers
5 Year Fixed - 2.34% High Ratio Purchase or Switch Only, Owner Occupied, Close in 90 days (some restrictions)
5 Year ARM/VRM - 1.80% High Ratio Purchase or Switch Only, Owner Occupied, Close in 90 days (some restrictions)
Extended rate holds for Builds:
5yr fixed – 2.64% High Ratio Only, Up to 180-day Hold
5yr fixed – 3.14% High Ratio Only, 9-month Hold
Full Feature Rates -- 90 to 120 day rate protection
Starting at:
2 Year Fixed - 2.19%
3 Year Fixed - 2.34%
4 Year Fixed - 2.44%
5 Year Fixed - 2.44% * 90-Days
5 Year Fixed - 2.59% * 120-Days
3 Year + ARM - 2.10% * Maturity is May 2020
5 Year ARM/VRM - 2.00%
HELOC Rates Prime +0.50%
Refinance Rates
5 Year Fixed - 2.59% - 2.69%
Builder - New Home Mortgage Rates
5 Year Fixed - 6 Month Rate Hold - 2.64%* High Ratio
5 Year Fixed - 6 Month Rate Hold - 2.64%* Conventional
5 Year Fixed - 12 Month Rate Hold - 3.25%* High Ratio
5 Year Fixed - 12 Month Rate Hold - 3.44%* Conventional
Rental Rates
5 Year Fixed - 2.84%
Call or PM for MORE "UnPublished" rates or other term information.
OAC, some terms and conditions may apply, rates subject to change without notice
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