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I have over 21 years of experience in the residential mortgage lending industry. I am committed to make your financing a pleasurable experience and building a professional relationship.

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Latest Blog Posts

10 Things That Will Brighten Up Your Space

November 7th, 2018

White Furnishings: When instant brightening is required, white furnishings are the visual equivalent of adding bleach to a pile of laundry and hanging it in the sun. Fresh and crisp, white upholstery has the added bonus of looking incredibly luxe.

Reflective Floors: Natural stone, particularly these stunning, large slabs of Statuario Venato marble, have a finish and color that subtly amplifies the light.

Low-Slung Furniture: There’s a lot to be said for keeping a low profile. Furnishings that don’t have high backs won’t obscure a window, and they also make the whole room look more spacious. The fluid seating provided by benches is a smart choice for parties as well.

White Walls: Take a page from Scandi design. White walls are the simplest solution when brightness is required, stat. A fresh coat of paint can make a small room feel not only brighter, but larger.

Light Hardwood Floors: The design pendulum is always swinging on floor finishes, from the rage for chocolate-y wenge to pale, silvery barnboard grey. A blond wood floor is a classic that makes white walls seem gallery like and the whole space feel airy.

Mirrors: It’s an easy way to add depth, and sparkle, in small rooms. Hanging a large mirror is a quick way to brighten a room, but consider insetting mirrors into paneling or painting the frame to match the wall, for a seamless and even grander effect.

Lucite: Here’s one material that can literally do a disappearing act. A chic Lucite table is lightweight and practically invisible so light flows through it, just like magic.

Open-Concept Space: Removing a wall opens up a world of possibilities in a dark interior.

Layered Lighting: Pendants, sconces, task lights, bring ’em all on to improve brightness. A bedroom can be blessed with loads of natural light, but benefits from a stunning crystal drop pendant, and articulated wall sconces that can easily be adjusted.

Hidden Shades: Discrete automatic shades squeeze out every available inch of natural light and tuck out of the way so there is nothing between the sunshine and the interior of this glorious bedroom, until night falls.

Source: https://houseandhome.com/gallery/15-things-will-brighten-space/

Insured Mortgage Levels Way Down in 2018

November 5th, 2018

Updated numbers from the Bank of Canada showed that the balance of insured mortgage debt suffered its largest decline in history.

In 2018, the amount of insured mortgage debt in Canada fell by 2.61% from the first quarter, and by 8.52% year-over-year.

The overall insured mortgage debt balance as of the end of that quarter stood at $508.82 billion.

The next greatest annual decline (8.04%) was all the way back in 2009.

This is particularly troubling news for those who have come to depend on the downside protection afforded by these mortgages.

“This type of debt is usually held by first-time buyers, also known as the first rung of the property ladder. The result could mean liquidity problems in the not so distant future, if condo buyers need to sell,” the industry information portal explained in its analysis of the BoC data.

Source: https://www.mortgagebrokernews.ca/news/insurance/insured-mortgage-levels-way-down-in-2018-250188.aspx

Daylight Savings Time Comes to an End

November 2nd, 2018

The end of daylight saving time, which will occur at 2:00 a.m. Sunday November 4.

If you’re sick of dark mornings on your way to school or work, it’s your time to rise and shine. But if you dread driving home in the dark, you’re out of luck for the next few months.

At 2:00 a.m. on November 4th the few analog clocks still around must “fall back” an hour, turning 1:59:59 a.m. into 1 a.m. Microwaves and ovens are on a short list of household appliances that will need a manual adjustment.

Most of our computers, smartphones and DVRs do it automatically.

Starting Sunday, that one hour of daylight is basically shifted from evening to morning as standard time begins. We don’t go back to daylight saving until Sunday, March 10, 2019, about 10 days before spring begins.

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