26 Jul

We got on June’s Top Performer List!

What are we doing?

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Out of more than 190 Dominion Franchise’s in Canada, this month our office HT Mortgage Group here in Grande Prairie ranked #18! We are at the top!

Congrats Megan & Kait & Gert for making the top 50 Performers in June!  And congrats to the whole office we are sitting at #18 in Canada for June!  That’s AMAZING!  I know everyone has been working super hard, and it shows😉

What is the top performer’s list? That’s when Dominion Lending Canada looks at all of its mortgage brokers all across Canada, and to let us know which agents and mortgage brokerages perform the best! Being able to be on this list when we live up North here in Grande Prairie is a huge honour!

DOMINION LENDING CENTRES HAS LAUNCHED 190+ FRANCHISES WITH MORE THAN 350 OFFICE LOCATIONS SPANNING THE COUNTRY

DOMINION LENDING CENTRES CONTINUES TO ATTRACT CANADA’S BEST. GROWING MORE THAN 2,600 EXPERIENCEDMEMBERS IN JUST 11 YEARS!

Out of more than 190 franchise’s in Canada we are #18! Out of more than 2600 agents, we have two in the top 50!

Go Team Go!

25 Jul

Northern Alberta Tiny Home Finance

General

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Tiny Homes  and getting them financed in Northern Alberta

Now I’m a big fan of the tiny home movement. I think that simple lifestyle, so minimalist is… very tempting. The only real problem is that there is a disturbing lack of tiny home developments up here in Northern Alberta!

Our House Magazine (which we give away free at our office in Downtown Grande Prairie) recently ran an article on a new tiny home development and charity in Calgary. “Tiny Homes for Heroes”

I’ve posted the article on another blog for today, but wouldn’t it be amazing if we could get a tiny homes community going here in Grande Prairie too!

The Challenge of Financing a tiny home

Financing a tiny home has some challenges. Here in Canada, most Tier A lenders (The big banks) want a single family home to be a minimum of a 1000 square feet, before lending. Lenders assume a smaller home is a cheaper, older home, with few upgrades.

So how are people getting tiny homes built if financing is so difficult?

Option 1 – Start a charity

Well, this is what our friends in Calgary did. Tiny homes, the 200-300 square feet version’s are fairly cheap to build. Fundraising enough money to build several little homes in a community format work’s well, and a normally sized plot for one home can support several tiny homes. This option is hard for most of us dreaming minimalist though. I want to live in a tiny house…. not just help build them!

Option 2 – Buy Raw Land and Start your own tiny home community

Most city’s have these pesky things called bylaws. They tell us the minimum size our house should be, what the proper ceiling height is, and how large windows need to be for fire code. For our safety, or so that all of the homes look nice and uniform… these bylaws make it difficult to find a place to build your tiny house!

Some developers and tiny home enthusiast’s have gotten around this by declaring their plot of land mobile home parks. If a tiny home is built on a trailer, different bylaws apply that are more favourable to a small home. Why build just one tiny home, when you can build a community?

Option 3 -The Easiest Financing Method

Grande Prairie’s rental market has less than 1% Vacancies right now. (July 2018)  A carriage house is a garage with living quarters, and that is something we can finance or refinance into your existing mortgage. So maybe you just design a garage that can be easily converted into a tiny home!

The downside is your sharing your lot, but you get to live in a tiny home, and have rental income! Later on, if you find the tiny home lifestyle isn’t as grand as you thought, you can always move back into the main house. Or move your kids into the tiny home.

Option 4 – Lobby our city hall representatives to make zoning exceptions for tiny homes

One day maybe! Now Calgary and Vancouver each have several bylaws designed to allow tiny homes in various communities throughout these two cities!

In the meantime, give our office a call to discuss options that may work for you!

Jillian Napen

Tiny Home Enthusiast, and Office Manager at Dominion Lending Centres
Ht Mortgage Group, 101 10001 100 ave Grande Prairie
July 25, 2018

 

28 May

Pam offers free homebuyer education

Pamela Lobban

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Pam Lobban offers free homebuyer education

I love working with first time homebuyers because I enjoy taking the time to educate clients on the process. I’ve been licensed to do mortgages since May 1999, so I’ve built up a lot of knowledge to help homebuyers.  Sometimes working in this industry it’s easy to forget that most people don’t know the basics when it comes to mortgage financing; that’s where I come in. I do a free class on Grande Prairie Mortgage Basic’s.

Book a time to learn

If you think you might want to buy your first home in the future call me so we can set up a mutual time to get you pre-approved!  You’ll have a completely free lesson in steps you can take now to be prepared to buy the home of your dreams in the future.

There is really not a reason to wait, it’s a no pressure, free and educational process.  I would love to meet you!

7 May

Gert Martens- Get to know your Mortgage Agent

Gert Martens

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Gert Martens your Grande Prairie and La Crete Mortgage Agent
Gert partnered with Dominion Lending Centres back in 2010, along with her assistant Carmen Ciesla. Her other assistant Jodi Scotton joined the team a few years later. She has received numerous awards as a mortgage agent and top producer. Just recently she received the MPP top producer award for 2017! Next time you’re in her office take a look around and see how many she has piled up, just waiting to go on the wall!
 
Her team has over 29 yrs combined experience in the mortgage industry. We take pride in providing clients with valuable financial information and mortgage options. Our goal is to make buying a home an enjoyable & exciting experience.
When not working Gert can be found at the Gym, playing soccer, taking on DIY home renovation projects, or travelling with her husband. Trips often consisting of running, biking, hiking, Nascar, and culinary experiences.
 
Give her a call today and get your mortgage started!
11 Apr

Dannielle Guay, learn more about your agent

Our Agents

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Dannielle has called Grande Prairie her home for the past 15 years. Lucky for us, she combines a strong background in marketing and sales with a lifelong passion for the Real Estate and Finance industry.

Having owned multiple properties and homes since her 20’s, Dannielle has a deep understanding of how homeownership not only provides security but builds wealth. Dannielle’s goal: To help everyone achieve their homeownership dream!

In her spare time, Dannielle loves to create beautiful meals for her family and accepts the challenge of finding the perfect wine to pair it with 😉

Give her a call today to start owning your dream.

2 Apr

Daina Stringer – April 2018 Spring Clean here in Grande Prairie

General

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Daina Stringer, our mortgage associate of the week gives us mortgage tips for spring in Grande Prairie:

Jill – Daina springs just around the corner, have you been noticing an increase in people looking for mortgages?

Daina –Yes!! We definitely have. Spring is always a good time to start looking.

Jill – Well any tips for people here in Grande Prairie who are looking to purchase a home this spring? What can they do to make everything go smoothly?

Daina –Save for your down payment, pay down debt and file your taxes to make your financing a smooth process.

Jill – Any big plans for spring this year? Ready to clean all that clutter?

Daina- No big plans since this is a busy time of year for those of us in the mortgage industry, but it is a great time to paint that room, clean up your yard or simply do some Spring cleaning.

Daina Stringer Dominion Lending Centres HT Mortgage Groups associate of the week! She makes moving in the spring easy, so give our office a call today to start your spring move!

Our office: 780-513-6611
Daina’s Cell: 587-343-1612

26 Mar

Chanele discuss’s Fixed vs Variable mortgage rates

General

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This week Chanele Langevin is our broker of the week here in Grande Prairie at the Dominion Lending Centres HT Mortgage Group. Here she is to answer your questions!

Should I go with a Fixed Rate or a Variable Rate on my mortgage?

Well, let’s talk about each type of mortgage in a little more depth.

What are the benefits and drawbacks of a fixed rate mortgage?

Your interest rate and your mortgage payments won’t change until it’s time to renew your mortgage. The security and comfort of knowing your payments won’t change is valuable to many people. That said, you will likely pay a slightly higher premium to enjoy that peace of mind and, in the event of contract disruption, your penalties may be steeper.

What are the benefits and drawbacks of a variable rate mortgage?

The interest rates offered by variable rate mortgages are typically lower; however, there is no guarantee that your rate won’t change. Therefore, you might save money on interest but that’s not a certainty as rates are unpredictable. That said, keep in mind that your interest rate can often be locked at a fixed rate at any time during your term.

Essentially, your choice to lock in a fixed rate or gamble and take the chance to save thousands of dollars in interest is a personal preference. Your main concern should be: how comfortable am I with uncertainty, and what does my budget allows if the rate floats?

And that is why we’re here! We guide and inform our valued customers so you get the best mortgage product for your family’s needs.

Chanele Langevin, Mortgage Agent
Dominion Lending Centres Ht Mortgage Group
101 10001 100 Ave
Grande Prairie, AB
T8V0V2

2 Mar

Chanele Langevin – Get to know your mortgage agent

General

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Chanele Langevin- Get to know your mortgage agent

Originally from Montreal, Quebec, I moved to Grande Prairie at the age of 18 seeking new experiences and challenges. After my first year in Alberta, I enrolled in the Grande Prairie Regional College with the business department. After 5 years of late nights and hard work, I was a proud graduate of a Business Management Bachelor's Degree. My professional experience has always revolved around customer service from my first job at age 13 to this day. With a background in sales and finance, it only seemed like a natural transition to jump in the intriguing world of mortgage financing. In my spare time, I enjoy cooking and wine-tasting. I also regularly practice yoga and I make it a personal goal to volunteer as much as I can.

As a new member of the Real Estate Council of Alberta, I recently joined Dominion Lending Centres as a Mortgage Agent. This position comes after launching a career in the automotive industry. In my new role, I will serve as a financial expert to explore financing options for real estate purchases and refinancing. As my main task, I will assist you in negotiating with lenders while representing buyers in the residential and commercial market. I also recently enrolled in a mentorship program that focuses on developing my expertise in the mortgage industry.

Give me a call today and get pre-approved for your next home!

780.876.2707

Chanele Langevin of Grande Prairie

Chanele Langevin enjoying cupcakes with [/caption]