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  1. #481
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    Current Rates to Open Week April 26, 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 - 1.25% 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 - 1.59% * 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    Call or PM for MORE "UnPublished" rates or other term information.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
    Last edited by TimLacroix; 04-26-2021 at 08:17 PM.
    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

  2. #482
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    Current Rates to Open Week April 5, 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 - 1.25% 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 - 1.59% * 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

  3. #483
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    Whats the difference between a high ratio mortgage and a conventional?

  4. #484
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    Quote Originally Posted by nzwasp View Post
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    Whats the difference between a high ratio mortgage and a conventional?
    High Ratio - Purchase with less than 20% down payment.

    Conventional - Purchase with more than 20% down payment.
    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. #485
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    Quote Originally Posted by TimLacroix View Post
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    High Ratio - Purchase with less than 20% down payment.

    Conventional - Purchase with more than 20% down payment.
    How does that apply when you renew. I guess you would be conventional if you had more than 20% equity in your home.

  6. #486
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    Quote Originally Posted by nzwasp View Post
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    How does that apply when you renew. I guess you would be conventional if you had more than 20% equity in your home.
    Great question... if you purchase with less than 20% down payment and have the mortgage insured with CMHC, Sagen (prev Genworth) or Canada Guaranty... you still are eligible for High Ratio rates when you renew.

    Assuming you haven't refinanced... which is different than renewing.
    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. #487
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    Is that why High Ratio mortgages have lower rates than conventional? Because the buyer with less than 20% have to buy CMHC insurance, so it's less risk to bank?

  8. #488
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    Quote Originally Posted by RX_EVOLV View Post
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    Is that why High Ratio mortgages have lower rates than conventional? Because the buyer with less than 20% have to buy CMHC insurance, so it's less risk to bank?
    Correct... Zero risk to the lender since it is default insured by one of the insurers.

    With conventional, the government imposed capital requirements for lenders which has increased their costs... and this cost is passed to the consumer in a slight premium to rates. Lenders are not required to share in the losses for conventional mortgages.
    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. #489
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    Current Rates to Open Week April 12, 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 - 1.25% 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 - 1.59% * 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

  10. #490
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    Hi Tim:

    I wanted to take advantage of the low-interest rates at the moment as I'm right on year 2 of 3-year fixed @ 3.43%

    My IRD is $1k and was offered a blend-and-extend of 3 yr fixed at 2.208% or 5 year fixed at 2.497%

    What's the logic in determining if you blend-and-extend vs. taking your chances upon renewal vs. going to a new lender and shopping? The ones I see are 1.34 variable to 1.89 fixed.


    Quote Originally Posted by Buster View Post
    This quote is hidden because you are ignoring this member. Show Quote
    The benefit of masks is not known at this time. But we do know it is some non-trivial amount more than zero.

    We also know that the cost of mask use is, essentially, zero.

    So the cost:benefit of mask use is approaching infinity. I'll take that every time. And every time I see someone without a mask, I think they are stupid.

  11. #491
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    Quote Originally Posted by flipstah View Post
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    Hi Tim:

    I wanted to take advantage of the low-interest rates at the moment as I'm right on year 2 of 3-year fixed @ 3.43%

    My IRD is $1k and was offered a blend-and-extend of 3 yr fixed at 2.208% or 5 year fixed at 2.497%

    What's the logic in determining if you blend-and-extend vs. taking your chances upon renewal vs. going to a new lender and shopping? The ones I see are 1.34 variable to 1.89 fixed.
    If you have a few minutes... please call/ text me at 403-479-0066 and I can assist. Cheers Tim
    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. #492
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    Current Rates to Open Week April 26, 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 - 1.25% 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 - 1.59% * 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

  13. #493
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    Bugged Tim a few different times over the last few years with various questions and he's always been beyond helpful.

    Finally made the change and put my mortgage through Tim and his team.

    Another very satisfied customer.

  14. #494
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    Quote Originally Posted by brucebanner View Post
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    Bugged Tim a few different times over the last few years with various questions and he's always been beyond helpful.

    Finally made the change and put my mortgage through Tim and his team.

    Another very satisfied customer.
    Thank you for the kind words... always a pleasure!
    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

  15. #495
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    Current Rates to Open Week May 3, 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 - 1.25% 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 - 1.59% * 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

  16. #496
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    Current Rates to Open Week May 17, 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 - 1.25% 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 - 1.59% * High Ratio

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

  17. #497
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    Current Rates to Open Week May 31, 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 - 1.25% 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 - 1.59% * High Ratio

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

  18. #498
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    Current Rates to Open Week June 21, 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 - 1.25% 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 - 1.59% * High Ratio

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

  19. #499
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    Current Rates to Open Week July 7, 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 - 1.25% 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 - 1.59% * High Ratio

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