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Old 11-14-2016, 11:13 AM   #41
Mortgage Made Easy
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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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Tim
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Kardia Mortgage Inc
www.TimLacroix.com

If you have any questions please feel free to PM me or email puckforum@cgymortgage.com

Click here to View current Mortgage Rates

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Old 11-22-2016, 01:42 PM   #42
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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Call or PM for MORE "UnPublished" rates or other term information.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
__________________
Thanks,
Tim
Mortgage. Made Easy Experts
Kardia Mortgage Inc
www.TimLacroix.com

If you have any questions please feel free to PM me or email puckforum@cgymortgage.com

Click here to View current Mortgage Rates

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Old 12-05-2016, 04:06 PM   #43
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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
__________________
Thanks,
Tim
Mortgage. Made Easy Experts
Kardia Mortgage Inc
www.TimLacroix.com

If you have any questions please feel free to PM me or email puckforum@cgymortgage.com

Click here to View current Mortgage Rates

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Old 12-05-2016, 04:17 PM   #44
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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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Tim
Mortgage. Made Easy Experts
Kardia Mortgage Inc
www.TimLacroix.com

If you have any questions please feel free to PM me or email puckforum@cgymortgage.com

Click here to View current Mortgage Rates

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Old 12-14-2016, 04:42 PM   #45
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Rates are adjusting upwards again. There continues to be pressure on the 5-Year Bond Yield.

As well there have been some market adjustments with OPEC decision earlier this week with Oil and the CDN Dollar being up and then the recent US Fed rate announcement today!

If you are looking to purchase, refinance or renew a mortgage within the next 4 months... you may want to consider protecting current rates as we do expect another rate increase in Jan 2017, in part due to some of the mortgage guideline changes to the banks & insurers.

Feel free to reach out for a free no obligation coffee / meeting to review options.
__________________
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Tim
Mortgage. Made Easy Experts
Kardia Mortgage Inc
www.TimLacroix.com

If you have any questions please feel free to PM me or email puckforum@cgymortgage.com

Click here to View current Mortgage Rates

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Old 12-16-2016, 01:41 PM   #46
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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.
__________________
Thanks,
Tim
Mortgage. Made Easy Experts
Kardia Mortgage Inc
www.TimLacroix.com

If you have any questions please feel free to PM me or email puckforum@cgymortgage.com

Click here to View current Mortgage Rates

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Old 01-03-2017, 09:30 AM   #47
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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
__________________
Thanks,
Tim
Mortgage. Made Easy Experts
Kardia Mortgage Inc
www.TimLacroix.com

If you have any questions please feel free to PM me or email puckforum@cgymortgage.com

Click here to View current Mortgage Rates


Last edited by Mortgage Made Easy; 01-03-2017 at 02:11 PM.
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Old 01-16-2017, 03:14 PM   #48
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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
__________________
Thanks,
Tim
Mortgage. Made Easy Experts
Kardia Mortgage Inc
www.TimLacroix.com

If you have any questions please feel free to PM me or email puckforum@cgymortgage.com

Click here to View current Mortgage Rates

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Old 01-19-2017, 12:44 PM   #49
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More changes!
While it is unfortunate news to share, it was somewhat expected.

CMHC is increasing its homeowner mortgage loan insurance premiums as a result of their regular review of insurance products. New regulatory capital requirements came into effect on January 1, 2017 and require mortgage insurers to hold additional capital. Capital requirements are an important factor in determining mortgage loan insurance premiums.

The new premiums are effective March 17, 2017 and will result in an increase of approximately $5 to the monthly mortgage payment of the average CMHC-insured homebuyer ($250,000 mortgage loan with less than 10% down payment).

Revised Mortgage Loan Insurance Premium Rates are shown in the premium schedule below.



• CMHC’s new premium rates will be effective for new mortgage loan insurance requests submitted on or after March 17, 2017.

• CMHC’s current premium rates will apply for applications submitted to CMHC prior to March 17, 2017 regardless of the closing date.
__________________
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Tim
Mortgage. Made Easy Experts
Kardia Mortgage Inc
www.TimLacroix.com

If you have any questions please feel free to PM me or email puckforum@cgymortgage.com

Click here to View current Mortgage Rates

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Old 01-30-2017, 04:10 PM   #50
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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
__________________
Thanks,
Tim
Mortgage. Made Easy Experts
Kardia Mortgage Inc
www.TimLacroix.com

If you have any questions please feel free to PM me or email puckforum@cgymortgage.com

Click here to View current Mortgage Rates

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Old 02-09-2017, 04:21 PM   #51
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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
__________________
Thanks,
Tim
Mortgage. Made Easy Experts
Kardia Mortgage Inc
www.TimLacroix.com

If you have any questions please feel free to PM me or email puckforum@cgymortgage.com

Click here to View current Mortgage Rates

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Old 02-17-2017, 08:14 AM   #52
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Only 4 weeks remain before the Mortgage Insurance Premiums increase on March 17, 2017.

Thinking of purchasing? Contact me today (403-648-1541 / tim@cgymortgage.com) to get approved prior to cutoff dates which is established by lenders.

We may see cutoff dates as early as March 13 so that the files can be processed and submitted to the insurers.
__________________
Thanks,
Tim
Mortgage. Made Easy Experts
Kardia Mortgage Inc
www.TimLacroix.com

If you have any questions please feel free to PM me or email puckforum@cgymortgage.com

Click here to View current Mortgage Rates

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Old 02-27-2017, 10:57 AM   #53
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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
__________________
Thanks,
Tim
Mortgage. Made Easy Experts
Kardia Mortgage Inc
www.TimLacroix.com

If you have any questions please feel free to PM me or email puckforum@cgymortgage.com

Click here to View current Mortgage Rates

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Old 03-06-2017, 06:22 PM   #54
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Only 1 week remain before the Mortgage Insurance Premiums increase on March 17, 2017.

Some lenders have set a cut-off date of March 13.

Thinking of purchasing? Contact me today (403-648-1541 / tim@cgymortgage.com) to get approved prior to cutoff dates which is established by lenders.

__________________
Thanks,
Tim
Mortgage. Made Easy Experts
Kardia Mortgage Inc
www.TimLacroix.com

If you have any questions please feel free to PM me or email puckforum@cgymortgage.com

Click here to View current Mortgage Rates

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Old 04-04-2017, 08:32 AM   #55
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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
__________________
Thanks,
Tim
Mortgage. Made Easy Experts
Kardia Mortgage Inc
www.TimLacroix.com

If you have any questions please feel free to PM me or email puckforum@cgymortgage.com

Click here to View current Mortgage Rates

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Old 04-10-2017, 11:52 AM   #56
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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
__________________
Thanks,
Tim
Mortgage. Made Easy Experts
Kardia Mortgage Inc
www.TimLacroix.com

If you have any questions please feel free to PM me or email puckforum@cgymortgage.com

Click here to View current Mortgage Rates

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Old 05-17-2017, 09:31 AM   #57
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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
__________________
Thanks,
Tim
Mortgage. Made Easy Experts
Kardia Mortgage Inc
www.TimLacroix.com

If you have any questions please feel free to PM me or email puckforum@cgymortgage.com

Click here to View current Mortgage Rates

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Old 06-05-2017, 04:08 PM   #58
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Current Rates to Open Week June 5, 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 - 2.54% * 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 - 2.64% - 2.74%

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
__________________
Thanks,
Tim
Mortgage. Made Easy Experts
Kardia Mortgage Inc
www.TimLacroix.com

If you have any questions please feel free to PM me or email puckforum@cgymortgage.com

Click here to View current Mortgage Rates

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Old 06-15-2017, 08:55 AM   #59
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Just a heads up regarding the pressure over the past few days with regards to the 5-Year Bond Yield.

With the announcement on Friday, June 9, 2017 regarding better than expected job numbers... and the media discussions about a Bank of Canada rate hike, we have seen the 5-Year Bond Yield jump.

If the pressure continues for any length of time, we could see rates increase. If you have a renewal happening in the next 120 days, looking to purchase or refinance and want to find out your options... PM, email us or give us a call - 403-648-1541 / tim@cgymortgage.com
__________________
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Tim
Mortgage. Made Easy Experts
Kardia Mortgage Inc
www.TimLacroix.com

If you have any questions please feel free to PM me or email puckforum@cgymortgage.com

Click here to View current Mortgage Rates

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Old 06-15-2017, 10:10 AM   #60
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Is it possible in Canada to get a 15 year fixed rate mortgage? Or is the max 5 years?
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