Tim's Mortgage News / Rates and FAQ's

**TimLacroix** · 08-23-2021, 09:22 AM

Current Rates to Open Week Oct 4, 2021

Prime Rate - 2.45%

PROMOTIONS

Promo 1 --> 5 Year Fixed - 1.74% High Ratio Purchase, Switch Only OR under <65% LTV, Owner Occupied, 60 Days to Close (some restrictions)

Promo 2 --> 5 Year ARM/VRM - 1.05% 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 2.09% * High Ratio
5 Year Fixed - 2.04% to 2.24% * Conventional

5 Year ARM/VRM - 1.05% - 1.40%

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Call or PM for MORE "UnPublished" rates or other term information.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

**TimLacroix** · 09-27-2021, 10:48 AM

Current Rates to Open Week Sept 27, 2021

Prime Rate - 2.45%

PROMOTIONS

Promo 1 --> 3 Year Fixed - 1.59% High Ratio Purchase, Switch Only OR under <65% LTV, Owner Occupied, 60-120 Days to Close (some restrictions)

Promo 2 --> 4 Year Fixed - 1.79% 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 - 1.10% High Ratio Purchase, Switch Only OR under <65% LTV, Owner Occupied, 90-120 Days to Close (some restrictions)

Promo 5 --> 3 Year ARM/VRM - 0.99% High Ratio Purchase, Switch, Owner Occupied, 90 Days to Close (some restrictions)

-------

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

3 Year Fixed - 1.59% * High Ratio

5 Year Fixed - 1.74% to 2.04% * High Ratio
5 Year Fixed - 1.89% to 2.09% * Conventional

5 Year ARM/VRM - 1.10% - 1.40%

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Call or PM for MORE "UnPublished" rates or other term information.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

**JRSC00LUDE** · 09-30-2021, 12:37 PM

How's the chatter around B of C raising rates in 2022 affecting mortgage outlook?

**ExtraSlow** · 09-30-2021, 12:42 PM

Variable only, don't be distracted.

**TimLacroix** · 10-04-2021, 02:51 PM

Current Rates to Open Week Oct 4, 2021

Prime Rate - 2.45%

PROMOTIONS

Promo 1 --> 3 Year ARM/VRM - 0.99% High Ratio Purchase, Switch Only, Owner Occupied, 90 Days to Close (some restrictions)

Promo 2 --> 5 Year Fixed - 1.74% High Ratio Purchase, Switch Only, Owner Occupied, 60 Days to Close (some restrictions)

Promo 3 --> 5 Year ARM/VRM - 1.05% 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 2.09% * High Ratio
5 Year Fixed - 2.04% to 2.24% * Conventional

5 Year ARM/VRM - 1.05% - 1.40%

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

**TimLacroix** · 10-25-2021, 01:30 PM

Current Rates to Open Week Oct 25, 2021

Prime Rate - 2.45%

PROMOTIONS

PROMO 1 --> 3 Year ARM/VRM - 0.99% High Ratio Purchase, Switch Only, Owner Occupied, 90 Days to Close (some restrictions)

PROMO 2 --> 5 Year Fixed - 1.89% High Ratio Purchase, Switch Only, Owner Occupied, 60 Days to Close (some restrictions)

PROMO 3 --> 5 Year ARM/VRM - 1.05% 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 - 1.94% * High Ratio

5 Year Fixed - 1.89% to 2.14% * High Ratio
5 Year Fixed - 2.14% to 2.29% * Conventional

5 Year ARM/VRM - 1.05% - 1.40%

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

**TimLacroix** · 11-09-2021, 06:33 AM

Current Rates to Open Week Nov 8, 2021

Prime Rate - 2.45%

PROMOTIONS

PROMO 1 --> 3 Year ARM/VRM - 0.99% High Ratio Purchase, Switch Only, Owner Occupied, 90 Days to Close (some restrictions)

PROMO 2 --> 5 Year Fixed - 2.34% High Ratio Purchase, Switch Only, Owner Occupied, 60 Days to Close (some restrictions)

PROMO 3 --> 5 Year ARM/VRM - 1.05% 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 - 2.24% * High Ratio

5 Year Fixed - 2.34% to 2.44% * High Ratio
5 Year Fixed - 2.49% to 2.74% * Conventional

5 Year ARM/VRM - 1.05% - 1.40%

HELOC Rates Prime +0.20 to +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

**TimLacroix** · 11-15-2021, 12:22 PM

Current Rates to Open Week Nov 15, 2021

Prime Rate - 2.45%

PROMOTIONS

PROMO 1 --> 3 Year ARM/VRM - 0.99% High Ratio Purchase, Switch Only, Owner Occupied, 90 Days to Close (some restrictions)

PROMO 2 --> 5 Year Fixed - 2.34% High Ratio Purchase, Switch Only, Owner Occupied, 60 Days to Close (some restrictions)

PROMO 3 --> 5 Year ARM/VRM - 1.05% 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 - 2.24% * High Ratio

5 Year Fixed - 2.34% to 2.44% * High Ratio
5 Year Fixed - 2.49% to 2.74% * Conventional

5 Year ARM/VRM - 1.05% - 1.40%

HELOC Rates Prime +0.20 to +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

**TimLacroix** · 12-07-2021, 08:00 AM

Current Rates to Open Week DEC 6, 2021

Prime Rate - 2.45%

PROMOTIONS

PROMO 1 --> 3 Year ARM/VRM - 0.99% High Ratio Purchase, Switch Only, Owner Occupied, 90 Days to Close (some restrictions)

PROMO 2 --> 5 Year Fixed - 2.34% High Ratio Purchase, Switch Only, Owner Occupied, 60 Days to Close (some restrictions)

PROMO 3 --> 5 Year ARM/VRM - 1.05% 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 - 2.24% * High Ratio

5 Year Fixed - 2.34% to 2.44% * High Ratio
5 Year Fixed - 2.49% to 2.84% * Conventional

5 Year ARM/VRM - 1.05% - 1.45%

HELOC Rates Prime +0.20 to +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

**TimLacroix** · 01-25-2022, 11:02 AM

Current Rates to Open Week JANUARY 24, 2022

Prime Rate - 2.45%

PROMOTIONS

PROMO 1 --> 3 Year ARM/VRM - 0.99% High Ratio Purchase, Switch Only, Owner Occupied, 90 Days to Close (some restrictions)

PROMO 2 --> 5 Year Fixed - 2.54% High Ratio Purchase, Switch Only, Owner Occupied, 60 Days to Close (some restrictions)

PROMO 3 --> 5 Year ARM/VRM - 1.05% 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 - 2.49% * High Ratio

5 Year Fixed - 2.49% to 2.74% * High Ratio
5 Year Fixed - 2.84% to 2.99% * Conventional

5 Year ARM/VRM - 1.05% - 1.45%

HELOC Rates Prime +0.20 to +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

**TimLacroix** · 02-01-2022, 08:24 AM

Current Rates to Open Week JANUARY 31, 2022

Prime Rate - 2.45%

PROMOTIONS

PROMO 1 --> 3 Year ARM/VRM - 0.99% High Ratio Purchase, Switch Only, Owner Occupied, 90 Days to Close (some restrictions)

PROMO 2 --> 5 Year Fixed - 2.54% High Ratio Purchase, Switch Only, Owner Occupied, 60 Days to Close (some restrictions)

PROMO 3 --> 5 Year ARM/VRM - 1.05% 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 - 2.49% * High Ratio

5 Year Fixed - 2.49% to 2.74% * High Ratio
5 Year Fixed - 2.84% to 2.99% * Conventional

5 Year ARM/VRM - 1.05% - 1.45%

HELOC Rates Prime +0.20 to +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

**TimLacroix** · 02-07-2022, 10:09 AM

Current Rates to Open Week FEBRUARY 7, 2022

Prime Rate - 2.45%

PROMOTIONS

PROMO 1 --> 3 Year ARM/VRM - 0.99% High Ratio Purchase, Switch Only, Owner Occupied, 90 Days to Close (some restrictions)

PROMO 2 --> 5 Year Fixed - 2.64% High Ratio Purchase, Switch Only, Owner Occupied, 60 Days to Close (some restrictions)

PROMO 3 --> 5 Year ARM/VRM - 1.05% 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 - 2.59% * High Ratio

5 Year Fixed - 2.59% to 2.84% * High Ratio
5 Year Fixed - 2.94% to 3.19% * Conventional

5 Year ARM/VRM - 1.10% - 1.45%

HELOC Rates Prime +0.20 to +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

**TimLacroix** · 03-02-2022, 08:00 AM

Current Rates to Open Week FEBRUARY 28, 2022

Prime Rate - 2.45%

PROMOTIONS

PROMO 1 --> 3 Year ARM/VRM - 0.99% High Ratio Purchase, Switch Only, Owner Occupied, 90 Days to Close (some restrictions)

PROMO 2 --> 5 Year Fixed - 2.79% High Ratio Purchase, Switch Only, Owner Occupied, 60 Days to Close (some restrictions)

PROMO 3 --> 5 Year ARM/VRM - 1.20% 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 - 2.69% * High Ratio

5 Year Fixed - 2.79% to 2.99% * High Ratio
5 Year Fixed - 2.94% to 3.19% * Conventional

5 Year ARM/VRM - 1.25% - 1.55%

HELOC Rates Prime +0.20 to +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

**TimLacroix** · 04-07-2022, 01:33 PM

Current Rates to Open Week April 4, 2022

Prime Rate - 2.70%

PROMOTIONS

PROMO 1 --> 3 Year ARM/VRM - 1.40%% High Ratio Purchase, Switch Only, Owner Occupied, 90 Days to Close (some restrictions)

PROMO 2 --> 5 Year Fixed - 3.69% High Ratio Purchase, Switch Only, Owner Occupied, 60 Days to Close (some restrictions)

PROMO 3 --> 5 Year ARM/VRM - 1.65% 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 - 3.39% * High Ratio

5 Year Fixed - 3.69% to 3.99% * High Ratio
5 Year Fixed - 3.89% to 4.14% * Conventional

5 Year ARM/VRM - 1.65% - 2.20%

HELOC Rates Prime +0.20 to +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

**TimLacroix** · 04-25-2022, 09:10 AM

Current Rates to Open Week April 25, 2022

Prime Rate - 3.20% **** Changed from 270% on April 13, 2022

PROMOTIONS

PROMO 1 --> 3 Year ARM/VRM - 2.05%% High Ratio Purchase, Switch Only, Owner Occupied, 90 Days to Close (some restrictions)

PROMO 2 --> 5 Year Fixed - 3.79% High Ratio Purchase, Switch Only, Owner Occupied, 60 Days to Close (some restrictions)

PROMO 3 --> 5 Year ARM/VRM - 2.10% 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 - 3.69% * High Ratio

5 Year Fixed - 3.79% to 3.99% * High Ratio
5 Year Fixed - 3.89% to 4.14% * Conventional

5 Year ARM/VRM - 2.10% - 2.65%

HELOC Rates Prime +0.20 to +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

**TimLacroix** · 05-19-2022, 09:58 AM

Current Rates to Open Week May 16, 2022

Prime Rate - 3.20% **** Changed from 2.70% on April 13, 2022

PROMOTIONS

PROMO 1 --> 3 Year ARM/VRM - 2.10%% High Ratio Purchase, Switch Only, Owner Occupied, 90 Days to Close (some restrictions)

PROMO 2 --> 5 Year Fixed - 3.99% High Ratio Purchase, Switch Only, Owner Occupied, 45-90 Days to Close (some restrictions)

PROMO 3 --> 5 Year ARM/VRM - 2.10% 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 - 3.79% * High Ratio

5 Year Fixed - 3.99% to 4.19% * High Ratio
5 Year Fixed - 4.19% to 4.49% * Conventional

5 Year ARM/VRM - 2.10% - 2.65%

HELOC Rates Prime +0.20 to +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

**TimLacroix** · 07-12-2022, 12:37 PM

Current Rates to Open Week July 11, 2022

Prime Rate - 3.70%

PROMOTIONS

PROMO 1 --> 3 Year ARM/VRM - 2.60%% High Ratio Purchase, Switch Only, Owner Occupied, 90 Days to Close (some restrictions)

PROMO 2 --> 5 Year Fixed - 4.59% High Ratio Purchase, Switch Only, Owner Occupied, 45-90 Days to Close (some restrictions)

PROMO 3 --> 5 Year ARM/VRM - 2.65% 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 - 4.59% * High Ratio

5 Year Fixed - 4.59% to 4.99% * High Ratio
5 Year Fixed - 4.84% to 5.14% * Conventional

5 Year ARM/VRM - 2.65% - 3.20%

HELOC Rates Prime +0.20 to +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

**TimLacroix** · 07-28-2022, 08:08 AM

Current Rates to Open Week July 25, 2022

Prime Rate - 4.70%

PROMOTIONS

PROMO 1 --> 3 Year ARM/VRM - 3.60%% High Ratio Purchase, Switch Only, Owner Occupied, 90 Days to Close (some restrictions)

PROMO 2 --> 5 Year Fixed - 4.49% High Ratio Purchase, Switch Only, Owner Occupied, 45-90 Days to Close (some restrictions)

PROMO 3 --> 5 Year ARM/VRM - 3.80% 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 - 4.59% * High Ratio

5 Year Fixed - 4.49% to 4.99% * High Ratio
5 Year Fixed - 4.84% to 5.14% * Conventional

5 Year ARM/VRM - 2.65% - 3.20%

HELOC Rates Prime +0.20 to +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

**TimLacroix** · 08-09-2022, 07:42 AM

Current Rates to Open Week Aug 8, 2022

Prime Rate - 4.70%

PROMOTIONS

PROMO 1 --> 3 Year ARM/VRM - 3.60%% High Ratio Purchase, Switch Only, Owner Occupied, 90 Days to Close (some restrictions)

PROMO 2 --> 5 Year Fixed - 4.49% High Ratio Purchase, Switch Only, Owner Occupied, 45-90 Days to Close (some restrictions)

PROMO 3 --> 5 Year ARM/VRM - 3.80% 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 - 4.59% * High Ratio

5 Year Fixed - 4.49% to 4.99% * High Ratio
5 Year Fixed - 4.84% to 5.14% * Conventional

5 Year ARM/VRM - 2.65% - 3.20%

HELOC Rates Prime +0.20 to +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

**TimLacroix** · 09-22-2022, 07:26 AM

Current Rates to Open Week Sept 19, 2022

Prime Rate - 5.45%

PROMOTIONS

PROMO 1 --> 3 Year ARM/VRM - 4.35%% High Ratio Purchase, Switch Only, Owner Occupied, 90 Days to Close (some restrictions)

PROMO 2 --> 5 Year Fixed - 4.59% High Ratio Purchase, Switch Only, Owner Occupied, 45-90 Days to Close (some restrictions)

PROMO 3 --> 5 Year ARM/VRM - 4.45% 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 - 4.54% * High Ratio

5 Year Fixed - 4.59% to 5.19% * High Ratio
5 Year Fixed - 4.84% to 5.34% * Conventional

5 Year ARM/VRM - 4.45% - 5.00%

HELOC Rates Prime +0.20 to +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

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