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

  1. #281
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    A BIG thanks to Tim for taking time out during the long weekend and providing impartial advice. It meant a lot.

    Its great to have people on this forum that are willing to help when others are facing choppy waters.

  2. #282
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    Tim is a wealth of insight and knowledge. A wonderful resource.
    Quote Originally Posted by killramos View Post
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    You realize you are talking to the guy who made his own furniture out of salad bowls right?

  3. #283
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    Thank you for the kind words guys! Always here to assist even if it is to chat options, 2nd opinions, etc...

    Quote Originally Posted by tonytiger55 View Post
    This quote is hidden because you are ignoring this member. Show Quote
    A BIG thanks to Tim for taking time out during the long weekend and providing impartial advice. It meant a lot.

    Its great to have people on this forum that are willing to help when others are facing choppy waters.
    Quote Originally Posted by ExtraSlow View Post
    This quote is hidden because you are ignoring this member. Show Quote
    Tim is a wealth of insight and knowledge. A wonderful resource.
    Thanks,
    Tim Lacroix | 403-648-1541
    Mortgage. Made Easy Experts
    Mortgage Connection
    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. #284
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    Current Rates to Open Week Nov 10, 2018

    Prime Rate - 3.95%

    Special Rate Offers

    3 Year Fixed - 3.39% High Ratio Purchase, Owner Occupied, Close in 45 days (90% lTV in AB max)

    5 Year Fixed - 3.49% High Ratio Purchase or Switch Only, Owner Occupied, Close in 90 days (some restrictions)

    5 Year ARM/VRM - 2.75% High Ratio Purchase or Switch Only, Owner Occupied, Close in 90 days (some restrictions)


    Full Feature Rates -- 90 to 120 day rate protection
    Starting at:
    2 Year Fixed - 3.59%
    3 Year Fixed - 3.39% * High Ratio
    4 Year Fixed - 3.74%
    5 Year Fixed - 3.49% to 3.69% * High Ratio
    5 Year Fixed - 3.59% to 3.89% * Conventional

    5 Year ARM/VRM - 2.95%

    HELOC Rates Prime +0.50%

    Refinance Rates
    5 Year Fixed - 3.89% - 4.04%

    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
    Mortgage Connection
    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. #285
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    Whats the latest on rates?

  6. #286
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    Hi juwantme... what info are you looking for?
    Thanks,
    Tim Lacroix | 403-648-1541
    Mortgage. Made Easy Experts
    Mortgage Connection
    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. #287
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    Hi, just wondering what the latest is on rates or does the rates you have posted from Nov 10 still apply today?
    Thanks

  8. #288
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    Quote Originally Posted by juwantme View Post
    This quote is hidden because you are ignoring this member. Show Quote
    Hi, just wondering what the latest is on rates or does the rates you have posted from Nov 10 still apply today?
    Thanks
    Yes these rates are current for the week. If you have a specific question etc... I would be happy to chat, 403-648-1541
    Thanks,
    Tim Lacroix | 403-648-1541
    Mortgage. Made Easy Experts
    Mortgage Connection
    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. #289
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    Current Rates to Open Week Jan 14, 2019

    Prime Rate - 3.95%

    Special Rate Offers

    3 Year Fixed - 3.39% High Ratio Purchase, Owner Occupied, Close in 45 days (90% lTV in AB max)

    5 Year Fixed - 3.49% High Ratio Purchase or Switch Only, Owner Occupied, Close in 90 days (some restrictions)

    5 Year ARM/VRM - 2.75% High Ratio Purchase or Switch Only, Owner Occupied, Close in 90 days (some restrictions)


    Full Feature Rates -- 90 to 120 day rate protection
    Starting at:
    2 Year Fixed - 3.59%
    3 Year Fixed - 3.39% * High Ratio
    4 Year Fixed - 3.74%
    5 Year Fixed - 3.49% to 3.69% * High Ratio
    5 Year Fixed - 3.59% to 3.89% * Conventional

    5 Year ARM/VRM - 2.95%

    HELOC Rates Prime +0.50%

    Refinance Rates
    5 Year Fixed - 3.89% - 4.04%

    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
    Mortgage Connection
    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

  10. #290
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    Hey Tim,

    any updates on current rates?

  11. #291
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    Quote Originally Posted by Russo View Post
    This quote is hidden because you are ignoring this member. Show Quote
    Hey Tim,

    any updates on current rates?
    Hi Russo... please see below for current rates. Please PM so that I can quote you more accurately.

    - - - Updated - - -

    Current Rates to Open Week Feb 25, 2019

    Prime Rate - 3.95%

    Special Rate Offers

    3 Year Fixed - 3.39% High Ratio Purchase, Owner Occupied, Close in 45 days (90% lTV in AB max)

    5 Year Fixed - 3.29% High Ratio Purchase or Switch Only, Owner Occupied, Close in 90 days (some restrictions)

    5 Year ARM/VRM - 2.75% High Ratio Purchase or Switch Only, Owner Occupied, Close in 90 days (some restrictions)


    Full Feature Rates -- 90 to 120 day rate protection
    Starting at:
    2 Year Fixed - 3.49%
    3 Year Fixed - 3.39% * High Ratio
    4 Year Fixed - 3.59%
    5 Year Fixed - 3.29% to 3.49% * High Ratio
    5 Year Fixed - 3.49% to 3.59% * Conventional

    5 Year ARM/VRM - 3.20%

    HELOC Rates Prime +0.50%

    Refinance Rates
    5 Year Fixed - 3.59% - 3.69%

    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
    Mortgage Connection
    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. #292
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    Current Rates to Open Week Mar 11, 2019

    Prime Rate - 3.95%

    Special Rate Offers

    3 Year Fixed - 3.29% High Ratio Purchase, Owner Occupied, Close in 45 days (90% lTV in AB max)

    5 Year Fixed - 3.23% High Ratio Purchase or Switch Only, Owner Occupied, Close in 90 days (some restrictions)

    5 Year ARM/VRM - 2.75% High Ratio Purchase or Switch Only, Owner Occupied, Close in 90 days (some restrictions)


    Full Feature Rates -- 90 to 120 day rate protection
    Starting at:
    2 Year Fixed - 3.49%
    3 Year Fixed - 3.39% * High Ratio
    4 Year Fixed - 3.59%
    5 Year Fixed - 3.23% to 3.44% * High Ratio
    5 Year Fixed - 3.34% to 3.59% * Conventional

    5 Year ARM/VRM - 3.20%

    HELOC Rates Prime +0.50%

    Refinance Rates
    5 Year Fixed - 3.54% - 3.64%

    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
    Mortgage Connection
    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. #293
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    Current Rates to Open Week Mar 18, 2019

    Prime Rate - 3.95%

    Special Rate Offers

    3 Year Fixed - 3.14% High Ratio Purchase, Owner Occupied

    5 Year Fixed - 3.14% High Ratio Purchase or Switch Only, Owner Occupied, Close in 90 days (some restrictions)

    5 Year ARM/VRM - 2.75% High Ratio Purchase or Switch Only, Owner Occupied, Close in 90 days (some restrictions)


    Full Feature Rates -- 90 to 120 day rate protection
    Starting at:

    3 Year Fixed - 3.24% * High Ratio
    4 Year Fixed - 3.41%
    5 Year Fixed - 3.14% to 3.39% * High Ratio
    5 Year Fixed - 3.39% to 3.49% * Conventional

    5 Year ARM/VRM - 3.20%

    HELOC Rates Prime +0.50%

    Refinance Rates
    5 Year Fixed - 3.39% - 3.49%

    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
    Mortgage Connection
    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. #294
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    Current Rates to Open Week April 1, 2019

    Prime Rate - 3.95%

    Special Rate Offers

    3 Year Fixed - 3.14% High Ratio Purchase, Owner Occupied

    5 Year Fixed - 2.94% High Ratio Purchase or Switch Only, Owner Occupied, Close in 90 days (some restrictions)

    5 Year ARM/VRM - 2.75% High Ratio Purchase or Switch Only, Owner Occupied, Close in 90 days (some restrictions)


    Full Feature Rates -- 90 to 120 day rate protection
    Starting at:

    3 Year Fixed - 3.14%
    4 Year Fixed - 3.24%
    5 Year Fixed - 2.94% to 3.19% * High Ratio
    5 Year Fixed - 3.24% to 3.34% * Conventional

    5 Year ARM/VRM - 3.20% - 3.00%

    HELOC Rates Prime +0.50%

    Refinance Rates
    5 Year Fixed - 3.24% - 3.34%

    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
    Mortgage Connection
    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

  15. #295
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    Current Rates to Open Week April 8, 2019

    Prime Rate - 3.95%

    Special Rate Offers

    3 Year Fixed - 3.14% High Ratio Purchase, Owner Occupied

    5 Year Fixed - 2.94% High Ratio Purchase or Switch Only, Owner Occupied, Close in 90 days (some restrictions)

    5 Year ARM/VRM - 2.75% High Ratio Purchase or Switch Only, Owner Occupied, Close in 90 days (some restrictions)


    Full Feature Rates -- 90 to 120 day rate protection
    Starting at:

    3 Year Fixed - 3.14%
    4 Year Fixed - 3.24%
    5 Year Fixed - 2.94% to 3.19% * High Ratio
    5 Year Fixed - 3.24% to 3.34% * Conventional

    5 Year ARM/VRM - 3.20% - 3.00%

    HELOC Rates Prime +0.50%

    Refinance Rates
    5 Year Fixed - 3.24% - 3.34%

    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
    Mortgage Connection
    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. #296
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    Current Rates to Open Week Aug 5, 2019

    Prime Rate - 3.95%

    Special Rate Offers

    5 Year Fixed - 2.49% High Ratio Purchase or Switch Only, Owner Occupied, Close in 60-90 days (some restrictions)

    5 Year ARM/VRM - 2.70% High Ratio Purchase or Switch Only, Owner Occupied, Close in 90 days (some restrictions)


    Full Feature Rates -- 90 to 120 day rate protection
    Starting at:

    3 Year Fixed - 2.89%
    4 Year Fixed - 2.94%
    5 Year Fixed - 2.49% to 2.74% * High Ratio
    5 Year Fixed - 2.64% to 2.89% * Conventional

    5 Year ARM/VRM - 2.70% - 3.05%

    HELOC Rates Prime +0.50%

    Refinance Rates
    5 Year Fixed - 2.79% - 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 Lacroix | 403-648-1541
    Mortgage. Made Easy Experts
    Mortgage Connection
    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

  17. #297
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    Wow thats quite a reduction
    Originally posted by GTS Jeff
    You know those bored stay at home moms who's entire lives revolve around driving their kids to soccer, various cleaning accessories, and worrying about neighbourhood rapists? The kind of people that watch the View and go "uh huh..." Those unfulfilled people who try to fill the void in their empty lives by writing whiny letters to the editor complaining about shit that no one really cares about?

    Well imagine if instead of writing that letter to the editor, she just posts on a car forum for car enthusiasts. That's Kritafo.

  18. #298
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    Quote Originally Posted by dj_rice View Post
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    Wow thats quite a reduction
    Yes it is... we've a reduction in the bond yield due to US & China challenges. Up slightly today after a sell off since Monday.
    Thanks,
    Tim Lacroix | 403-648-1541
    Mortgage. Made Easy Experts
    Mortgage Connection
    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. #299
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    Might be a silly question, but why is the high ratio rate lower than the conventional rate? I would have assumed the conventional rate would be preferred from a risk perspective, or do the mortgage companies just rather take on more risk and have a higher return?

  20. #300
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    Quote Originally Posted by triplep View Post
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    Might be a silly question, but why is the high ratio rate lower than the conventional rate? I would have assumed the conventional rate would be preferred from a risk perspective, or do the mortgage companies just rather take on more risk and have a higher return?
    i assume that is related to insurance

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