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Thread: Tim's Mortgage News / Rates and FAQ's

  1. #461
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    I don't think Tim is short of rep on this site, but just in case: another +1 for his service. He helped me negotiate an extra 15 bps off my banks "best rate" even going as far as to send me a rate quote which the bank rep was able to forward to HQ for a price match exception.

    Commission for Tim: $0
    Savings for Joniboy: almost $4,000 over 5 years.

    Thanks Tim, I really owe you one!

    Quote Originally Posted by gwill View Post
    This quote is hidden because you are ignoring this member. Show Quote
    or you know.. use Tim's services??? LOL
    I agree with this sentiment. In this case I didn't want to have to qualify for the loan but previous mortgages and all future mortgages go through Tim first!

  2. #462
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    Current Rates to Open Week Sept 7, 2020

    Prime Rate - 2.45%

    PROMOTIONS

    5 Year Fixed - 1.69% High Ratio Purchase or Switch Only, Owner Occupied, Close in 90-129 days (some restrictions)

    5 Year ARM/VRM - 1.65% High Ratio Purchase or Switch Only, Owner Occupied, Close in 90-120 days (some restrictions)

    -------

    Full Feature Rates up to 120 day rate protection
    Starting at:

    3 Year Fixed - 1.79% * High Ratio

    5 Year Fixed - 1.84% to 2.04% * High Ratio
    5 Year Fixed - 1.99% to 2.2.19% * Conventional

    5 Year ARM/VRM - 1.90% - 2.05%

    HELOC Rates Prime +0.50%

    Refinance Rates
    5 Year Fixed - 2.04% - 2.19%

    Call or PM for MORE "UnPublished" rates or other term information.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 Lacroix | 403-648-1541
    Mortgage. Made Easy Experts
    Kardia Mortgage Inc
    www.TimLacroix.com

    If you have any questions please feel free to PM me or email [email protected]

    Click here to View current Mortgage Rates

  3. #463
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    Current Rates to Open Week Oct 5, 2020

    Prime Rate - 2.45%

    PROMOTIONS

    5 Year Fixed - 1.64% High Ratio Purchase or Switch Only, Owner Occupied, Close in 90-129 days (some restrictions)

    5 Year ARM/VRM - 1.60% High Ratio Purchase or Switch Only, Owner Occupied, Close in 90-120 days (some restrictions)

    -------

    Full Feature Rates up to 120 day rate protection
    Starting at:

    3 Year Fixed - 1.79% * High Ratio

    5 Year Fixed - 1.79% to 2.04% * High Ratio
    5 Year Fixed - 1.1.89% to 2..14% * Conventional

    5 Year ARM/VRM - 1.85% - 1.90%

    HELOC Rates Prime +0.50%

    Refinance Rates
    5 Year Fixed - 1.99% - 2.14%

    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 Lacroix | 403-648-1541
    Mortgage. Made Easy Experts
    Kardia Mortgage Inc
    www.TimLacroix.com

    If you have any questions please feel free to PM me or email [email protected]

    Click here to View current Mortgage Rates

  4. #464
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    Current Rates to Open Week Nov 2, 2020

    Prime Rate - 2.45%

    PROMOTIONS

    5 Year Fixed - 1.49% High Ratio Purchase or Switch Only, Owner Occupied, Close by Jan 15, 2021 (some restrictions)

    5 Year ARM/VRM - 1.45% High Ratio Purchase or Switch Only, Owner Occupied, Close by Jan 15, 2021 (some restrictions)

    -------

    Full Feature Rates up to 120 day rate protection
    Starting at:

    3 Year Fixed - 1.79% * High Ratio

    5 Year Fixed - 1.49% to 1.79% * High Ratio
    5 Year Fixed - 1.74% to 1.99% * Conventional

    5 Year ARM/VRM - 1.45% - 1.80%

    HELOC Rates Prime +0.50%

    Refinance Rates
    5 Year Fixed - 1.94% - 2.14%

    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 Lacroix | 403-648-1541
    Mortgage. Made Easy Experts
    Kardia Mortgage Inc
    www.TimLacroix.com

    If you have any questions please feel free to PM me or email [email protected]

    Click here to View current Mortgage Rates

  5. #465
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    Current Rates to Open Week Nov 9, 2020

    Prime Rate - 2.45%

    PROMOTIONS

    5 Year Fixed - 1.49% High Ratio Purchase or Switch Only, Owner Occupied, Close by Jan 15, 2021 (some restrictions)

    5 Year ARM/VRM - 1.45% High Ratio Purchase or Switch Only, Owner Occupied, Close by Jan 15, 2021 (some restrictions)

    -------

    Full Feature Rates up to 120 day rate protection
    Starting at:

    3 Year Fixed - 1.79% * High Ratio

    5 Year Fixed - 1.49% to 1.79% * High Ratio
    5 Year Fixed - 1.74% to 1.99% * Conventional

    5 Year ARM/VRM - 1.45% - 1.80%

    HELOC Rates Prime +0.50%

    Refinance Rates
    5 Year Fixed - 1.94% - 2.14%

    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 Lacroix | 403-648-1541
    Mortgage. Made Easy Experts
    Kardia Mortgage Inc
    www.TimLacroix.com

    If you have any questions please feel free to PM me or email [email protected]

    Click here to View current Mortgage Rates

  6. #466
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    Current Rates to Open Week Nov 16, 2020

    Prime Rate - 2.45%

    PROMOTIONS

    Promo 1 --> 5 Year Fixed - 1.49% High Ratio PURCHASE ONLY, Owner Occupied, Close between Jan 2 to Feb 28, 2021

    Promo 2 --> 5 Year Fixed - 1.59% High Ratio Purchase, Switch Only OR under <65% LTV, Owner Occupied, 60 Days to Close (some restrictions)

    Promo 3 --> 5 Year ARM/VRM - 1.50% High Ratio Purchase, Switch Only OR under <65% LTV, Owner Occupied, 60 Days to Close (some restrictions)

    -------

    Full Feature Rates up to 120 day rate protection
    Starting at:

    3 Year Fixed - 1.69% * High Ratio

    5 Year Fixed - 1.49% to 1.79% * High Ratio
    5 Year Fixed - 1.79% to 1.99% * Conventional

    5 Year ARM/VRM - 1.50% - 1.80%

    HELOC Rates Prime +0.50%

    Refinance Rates
    5 Year Fixed - 1.94% - 2.14%

    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 Lacroix | 403-648-1541
    Mortgage. Made Easy Experts
    Kardia Mortgage Inc
    www.TimLacroix.com

    If you have any questions please feel free to PM me or email [email protected]

    Click here to View current Mortgage Rates

  7. #467
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    Current Rates to Open Week Nov 16, 2020

    Prime Rate - 2.45%

    PROMOTIONS

    Promo 1 --> 5 Year Fixed - 1.49% High Ratio PURCHASE ONLY, Owner Occupied, Close between Jan 2 to Feb 28, 2021

    Promo 2 --> 5 Year Fixed - 1.59% High Ratio Purchase, Switch Only OR under <65% LTV, Owner Occupied, 90-120 Days to Close (some restrictions)

    Promo 3 --> 5 Year ARM/VRM - 1.50% High Ratio Purchase, Switch Only OR under <65% LTV, Owner Occupied, 90-120 Days to Close (some restrictions)

    -------

    Full Feature Rates up to 120 day rate protection
    Starting at:

    3 Year Fixed - 1.69% * High Ratio

    5 Year Fixed - 1.49% to 1.79% * High Ratio
    5 Year Fixed - 1.79% to 1.99% * Conventional

    5 Year ARM/VRM - 1.50% - 1.80%

    HELOC Rates Prime +0.50%

    Refinance Rates
    5 Year Fixed - 1.94% - 2.14%

    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 Lacroix | 403-648-1541
    Mortgage. Made Easy Experts
    Kardia Mortgage Inc
    www.TimLacroix.com

    If you have any questions please feel free to PM me or email [email protected]

    Click here to View current Mortgage Rates

  8. #468
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    Current Rates to Open Week Nov 30, 2020

    Prime Rate - 2.45%

    PROMOTIONS

    Promo 1 --> 5 Year Fixed - 1.49% High Ratio PURCHASE ONLY, Owner Occupied, Close between Jan 2 to Feb 28, 2021

    Promo 2 --> 5 Year Fixed - 1.59% High Ratio Purchase, Switch Only OR under <65% LTV, Owner Occupied, 90-120 Days to Close (some restrictions)

    Promo 3 --> 5 Year ARM/VRM - 1.50% High Ratio Purchase, Switch Only OR under <65% LTV, Owner Occupied, 90-120 Days to Close (some restrictions)

    -------

    Full Feature Rates up to 120 day rate protection
    Starting at:

    3 Year Fixed - 1.69% * High Ratio

    5 Year Fixed - 1.49% to 1.79% * High Ratio
    5 Year Fixed - 1.79% to 1.99% * Conventional

    5 Year ARM/VRM - 1.50% - 1.80%

    HELOC Rates Prime +0.50%

    Refinance Rates
    5 Year Fixed - 1.94% - 2.14%

    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 Lacroix | 403-648-1541
    Mortgage. Made Easy Experts
    Kardia Mortgage Inc
    www.TimLacroix.com

    If you have any questions please feel free to PM me or email [email protected]

    Click here to View current Mortgage Rates

  9. #469
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    Do you do commercial lending as well? Rates?

  10. #470
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    Quote Originally Posted by blownz View Post
    This quote is hidden because you are ignoring this member. Show Quote
    Do you do commercial lending as well? Rates?
    Hi, I don't do them personally but I do have a commercial colleague that does and would be happy to introduce. Rates vary depending on what you are looking for. Please PM me your details and I would be happy to introduce.
    Thanks,
    Tim Lacroix | 403-648-1541
    Mortgage. Made Easy Experts
    Kardia Mortgage Inc
    www.TimLacroix.com

    If you have any questions please feel free to PM me or email [email protected]e.com

    Click here to View current Mortgage Rates

  11. #471
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    Current Rates to Open Week Dec 14, 2020

    Prime Rate - 2.45%

    PROMOTIONS

    Promo 1 --> 5 Year Fixed - 1.49% High Ratio PURCHASE ONLY, Owner Occupied, Close between Jan 2 to Feb 28, 2021

    Promo 2 --> 5 Year Fixed - 1.49% High Ratio Purchase, Switch Only OR under <65% LTV, Owner Occupied, 90-120 Days to Close (some restrictions)

    Promo 3 --> 5 Year ARM/VRM - 1.50% High Ratio Purchase, Switch Only OR under <65% LTV, Owner Occupied, 90-120 Days to Close (some restrictions)

    -------

    Full Feature Rates up to 120 day rate protection
    Starting at:

    3 Year Fixed - 1.54% * High Ratio

    5 Year Fixed - 1.49% to 1.79% * High Ratio
    5 Year Fixed - 1.74% to 1.94% * Conventional

    5 Year ARM/VRM - 1.50% - 1.80%

    HELOC Rates Prime +0.50%

    Refinance Rates
    5 Year Fixed - 1.84% - 2.04%

    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 Lacroix | 403-648-1541
    Mortgage. Made Easy Experts
    Kardia Mortgage Inc
    www.TimLacroix.com

    If you have any questions please feel free to PM me or email [email protected]

    Click here to View current Mortgage Rates

  12. #472
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    Current Rates to Open Week Jan 18, 2021

    Prime Rate - 2.45%

    PROMOTIONS

    Promo 1 --> 5 Year Fixed - 1.49% High Ratio PURCHASE ONLY, Owner Occupied, Close between Jan 2 to Feb 28, 2021

    Promo 2 --> 5 Year Fixed - 1.49% High Ratio Purchase, Switch Only OR under <65% LTV, Owner Occupied, 90-120 Days to Close (some restrictions)

    Promo 3 --> 5 Year ARM/VRM - 1.50% High Ratio Purchase, Switch Only OR under <65% LTV, Owner Occupied, 90-120 Days to Close (some restrictions)

    -------

    Full Feature Rates up to 120 day rate protection
    Starting at:

    3 Year Fixed - 1.54% * High Ratio

    5 Year Fixed - 1.49% to 1.79% * High Ratio
    5 Year Fixed - 1.74% to 1.94% * Conventional

    5 Year ARM/VRM - 1.50% - 1.80%

    HELOC Rates Prime +0.50%

    Refinance Rates
    5 Year Fixed - 1.79% - 2.04%

    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 Lacroix | 403-648-1541
    Mortgage. Made Easy Experts
    Kardia Mortgage Inc
    www.TimLacroix.com

    If you have any questions please feel free to PM me or email [email protected]

    Click here to View current Mortgage Rates

  13. #473
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    Current Rates to Open Week Feb 22, 2021

    Prime Rate - 2.45%

    PROMOTIONS

    Promo 1 --> 5 Year Fixed - 1.39% High Ratio Purchase, Switch Only OR under <65% LTV, Owner Occupied, 90-120 Days to Close (some restrictions)

    Promo 2 --> 5 Year ARM/VRM - 1.35% High Ratio Purchase, Switch Only OR under <65% LTV, Owner Occupied, 90-120 Days to Close (some restrictions)

    -------

    Full Feature Rates up to 120 day rate protection
    Starting at:

    3 Year Fixed - 1.44% * High Ratio

    5 Year Fixed - 1.39% to 1.74% * High Ratio
    5 Year Fixed - 1.69% to 1.94% * Conventional

    5 Year ARM/VRM - 1.35% - 1.75%

    HELOC Rates Prime +0.50%

    Refinance Rates
    5 Year Fixed - 1.79% - 1.99%

    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 Lacroix | 403-648-1541
    Mortgage. Made Easy Experts
    Kardia Mortgage Inc
    www.TimLacroix.com

    If you have any questions please feel free to PM me or email [email protected]

    Click here to View current Mortgage Rates

  14. #474
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    Damn rates are amazing right now. I think the penalty for me to leave Scotia would negate any savings sadly.
    Follow me on Instagram and Facebook!

  15. #475
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    Quote Originally Posted by msommers View Post
    This quote is hidden because you are ignoring this member. Show Quote
    Damn rates are amazing right now. I think the penalty for me to leave Scotia would negate any savings sadly.
    Rates are on the rise... approx. 0.10% to 0.15% with some lenders.
    Thanks,
    Tim Lacroix | 403-648-1541
    Mortgage. Made Easy Experts
    Kardia Mortgage Inc
    www.TimLacroix.com

    If you have any questions please feel free to PM me or email [email protected]

    Click here to View current Mortgage Rates

  16. #476
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    So lowest rates for 5 yr fixed conventional mortgage with full features (20% or more down payment, able to lump sum pay, etc.) still around 1.69%?
    Is conventional 5 yr variable any lower than that, like 1.49 or 1.59?

    Still not as low as what we seen in the past for variable, but still low.
    Can you confirm Tim?

  17. #477
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    Quote Originally Posted by Disoblige View Post
    This quote is hidden because you are ignoring this member. Show Quote
    So lowest rates for 5 yr fixed conventional mortgage with full features (20% or more down payment, able to lump sum pay, etc.) still around 1.69%?
    Is conventional 5 yr variable any lower than that, like 1.49 or 1.59?

    Still not as low as what we seen in the past for variable, but still low.
    Can you confirm Tim?
    Yes that is correct... fixed is around 1.64-1.69% full privileges of 20-20%
    Variable is 1.45%-1.50% same options.
    Thanks,
    Tim Lacroix | 403-648-1541
    Mortgage. Made Easy Experts
    Kardia Mortgage Inc
    www.TimLacroix.com

    If you have any questions please feel free to PM me or email [email protected]

    Click here to View current Mortgage Rates

  18. #478
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    *** More pressure today for rates to climb... we have seen increases in fixed rates of 0.10% - 0.20%. There are still some lenders that have not moved, please reach out if you have any financing needs in the next 120 days.

    NOTE- the 5 Year Bond Yield is up today as well... which could indicate more increases next week.
    Last edited by TimLacroix; 02-25-2021 at 11:54 AM.
    Thanks,
    Tim Lacroix | 403-648-1541
    Mortgage. Made Easy Experts
    Kardia Mortgage Inc
    www.TimLacroix.com

    If you have any questions please feel free to PM me or email [email protected]

    Click here to View current Mortgage Rates

  19. #479
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    Current Rates to Open Week March 1, 2021

    Prime Rate - 2.45%

    PROMOTIONS

    Promo 1 --> 5 Year Fixed - 1.74% High Ratio Purchase, Switch Only OR under <65% LTV, Owner Occupied, 90-120 Days to Close (some restrictions)

    Promo 2 --> 5 Year ARM/VRM - 1.25% High Ratio Purchase, Switch Only OR under <65% LTV, Owner Occupied, 90-120 Days to Close (some restrictions)

    -------

    Full Feature Rates up to 120 day rate protection
    Starting at:

    3 Year Fixed - 1.54% * High Ratio

    5 Year Fixed - 1.74% to 1.94% * High Ratio
    5 Year Fixed - 1.89% to 2.09% * Conventional

    5 Year ARM/VRM - 1.25% - 1.50%

    HELOC Rates Prime +0.50%

    Refinance Rates
    5 Year Fixed - 1.94% - 2.19%

    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 Lacroix | 403-648-1541
    Mortgage. Made Easy Experts
    Kardia Mortgage Inc
    www.TimLacroix.com

    If you have any questions please feel free to PM me or email [email protected]

    Click here to View current Mortgage Rates

  20. #480
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    Current Rates to Open Week March 15, 2021

    Prime Rate - 2.45%

    PROMOTIONS

    Promo 1 --> 3 Year Fixed - 1.54% High Ratio Purchase, Switch Only OR under <65% LTV, Owner Occupied, 60-120 Days to Close (some restrictions)

    Promo 2 --> 4 Year Fixed - 1.69% High Ratio Purchase, Switch Only OR under <65% LTV, Owner Occupied, 120 Days to Close (some restrictions)

    Promo 3 --> 5 Year Fixed - 1.74% High Ratio Purchase, Switch Only OR under <65% LTV, Owner Occupied, 60 Days to Close (some restrictions)

    Promo 4 --> 5 Year ARM/VRM - 1.25% High Ratio Purchase, Switch Only OR under <65% LTV, Owner Occupied, 90-120 Days to Close (some restrictions)

    -------

    Full Feature Rates up to 120 day rate protection
    Starting at:

    3 Year Fixed - 1.54% * High Ratio

    5 Year Fixed - 1.74% to 2.04% * High Ratio
    5 Year Fixed - 1.99% to 2.29% * Conventional

    5 Year ARM/VRM - 1.25% - 1.50%

    HELOC Rates Prime +0.50%

    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 Lacroix | 403-648-1541
    Mortgage. Made Easy Experts
    Kardia Mortgage Inc
    www.TimLacroix.com

    If you have any questions please feel free to PM me or email [email protected]

    Click here to View current Mortgage Rates

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