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  1. #381
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    Quote Originally Posted by 03ozwhip View Post
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    Hopefully some good news coming my way @TimLacroix !
    You betcha... on it!
    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. #382
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    Current Rates to Open Week March 30, 2020

    Prime Rate - 2.45% -----> DECREASE by 1.50%

    PROMOTIONS

    5 Year Fixed - 2.29% High Ratio Purchase or Switch Only, Owner Occupied, Close in 45 days (some restrictions)

    5 Year Fixed - 2.39% High Ratio Purchase or Switch Only, Owner Occupied, Close in 45 days (some restrictions)

    5 Year ARM/VRM - 2.30% High Ratio Purchase or Switch Only, Owner Occupied, Close in 60 days (some restrictions)


    Full Feature Rates -- 60 to 120 day rate protection
    Starting at:

    3 Year Fixed - 2.49% * High Ratio
    4 Year Fixed - 3.09%
    5 Year Fixed - 2.29% to 2.69% * High Ratio
    5 Year Fixed - 2.69% to 2.94% * Conventional

    5 Year ARM/VRM - 2.40% - 2.65%

    HELOC Rates Prime +0.50%

    Refinance Rates
    5 Year Fixed - 3.09% - 3.19%

    Call or PM for MORE "UnPublished" rates or other term information.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. #383
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    Tim, I'm in Saskatchewan so obviously worked with someone else but I just got my paperwork to sign yesterday and would appreciate your input if you don't mind. I've got a five-year variable with TD at Prime minus .75 with a $2,000 cash back, this is a refi. Should I sign on the dotted line, or is there better? I feel like it's a pretty good deal.

    Financially it's a really good move based on where I'm coming from, that's all been determined. I just wonder if I am inking it too soon.
    Originally posted by SJW
    Once again another useless post by JRSCOOLDUDE.
    Originally posted by snowcat
    Don't let the e-thugs and faggots get to you when they quote your posts and write stupid shit.

  4. #384
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    Quote Originally Posted by JRSC00LUDE View Post
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    Tim, I'm in Saskatchewan so obviously worked with someone else but I just got my paperwork to sign yesterday and would appreciate your input if you don't mind. I've got a five-year variable with TD at Prime minus .75 with a $2,000 cash back, this is a refi. Should I sign on the dotted line, or is there better? I feel like it's a pretty good deal.

    Financially it's a really good move based on where I'm coming from, that's all been determined. I just wonder if I am inking it too soon.
    That essentially works out to P-0.60 with a normal bank which isnít bad for a refi... depending on loan to value of course... what percentage of equity is left?

  5. #385
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    Quote Originally Posted by JRSC00LUDE View Post
    This quote is hidden because you are ignoring this member. Show Quote
    Tim, I'm in Saskatchewan so obviously worked with someone else but I just got my paperwork to sign yesterday and would appreciate your input if you don't mind. I've got a five-year variable with TD at Prime minus .75 with a $2,000 cash back, this is a refi. Should I sign on the dotted line, or is there better? I feel like it's a pretty good deal.

    Financially it's a really good move based on where I'm coming from, that's all been determined. I just wonder if I am inking it too soon.
    Hi, this is a good discount for a refinance. TD Prime is 2.60% now so your effective rate will be 1.90%. This is good and will also protect you from fixed rate penalties if you were to sell in the next few years.

    If you would like me to read the details, please email the docs to [email protected] to review terms and conditions especially with the cashback promo. Otherwise, it will not get any better for a variable rate.
    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. #386
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    Thanks Tim! I felt that was a great deal (even with TD ripping me off for the 0.1 "mtg prime" bullshit) but it's good to hear an expert confirm. I am comfortable with the rest of the document details but appreciate the offer.
    Originally posted by SJW
    Once again another useless post by JRSCOOLDUDE.
    Originally posted by snowcat
    Don't let the e-thugs and faggots get to you when they quote your posts and write stupid shit.

  7. #387
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    Current Rates to Open Week April 20, 2020

    Prime Rate - 2.45%

    PROMOTIONS

    5 Year Fixed - 2.54% High Ratio Purchase or Switch Only, Owner Occupied, Close in 90 days (some restrictions)

    5 Year Fixed - 2.49% High Ratio Purchase or Switch Only, Owner Occupied, Close in 45 days (some restrictions)

    5 Year ARM/VRM - 2.10% High Ratio Purchase or Switch Only, Owner Occupied, Close in 60 days (some restrictions)


    Full Feature Rates -- 60 to 120 day rate protection
    Starting at:

    3 Year Fixed - 2.49% * High Ratio
    4 Year Fixed - 2.99%
    5 Year Fixed - 2.49% to 2.69% * High Ratio
    5 Year Fixed - 2.69% to 2.94% * Conventional

    5 Year ARM/VRM - 2.30% - 2.45%

    HELOC Rates Prime +0.50%

    Refinance Rates
    5 Year Fixed - 2.94% - 3.04%

    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

  8. #388
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    Current Rates to Open Week April 27, 2020

    Prime Rate - 2.45%

    PROMOTIONS


    5 Year Fixed - 2.39% High Ratio Purchase or Switch Only, Owner Occupied, Close in 45 days (some restrictions)

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


    5 Year ARM/VRM - 2.10% High Ratio Purchase or Switch Only, Owner Occupied, Close in 120 days (some restrictions)

    -------

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

    3 Year Fixed - 2.39% * High Ratio

    5 Year Fixed - 2.54% to 2.69% * High Ratio
    5 Year Fixed - 2.54% to 2.89% * Conventional

    5 Year ARM/VRM - 2.10% - 2.45%

    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
    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. #389
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    Current Rates to Open Week May 11, 2020

    Prime Rate - 2.45%

    PROMOTIONS


    5 Year Fixed - 2.29% High Ratio Purchase or Switch Only, Owner Occupied, Close in 45 days (some restrictions)

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


    5 Year ARM/VRM - 2.05% High Ratio Purchase or Switch Only, Owner Occupied, Close in 120 days (some restrictions)

    -------

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

    3 Year Fixed - 2.29% * High Ratio

    5 Year Fixed - 2.39% to 2.54% * High Ratio
    5 Year Fixed - 2.59% to 2.79% * Conventional

    5 Year ARM/VRM - 2.25% - 2.45%

    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
    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. #390
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    Current Rates to Open Week May 18, 2020

    Prime Rate - 2.45%

    PROMOTIONS


    5 Year Fixed - 2.29% High Ratio Purchase or Switch Only, Owner Occupied, Close in 45 days (some restrictions)

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


    5 Year ARM/VRM - 2.05% High Ratio Purchase or Switch Only, Owner Occupied, Close in 120 days (some restrictions)

    -------

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

    3 Year Fixed - 2.29% * High Ratio

    5 Year Fixed - 2.29% to 2.54% * High Ratio
    5 Year Fixed - 2.59% to 2.79% * Conventional

    5 Year ARM/VRM - 2.15% - 2.45%

    HELOC Rates Prime +0.50%

    Refinance Rates
    5 Year Fixed - 2.59% - 2.69%

    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
    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

  11. #391
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    We just got offered to blend our 2 mortgages for better rates. Is this a good time to do so?

    Mortgage #1 - 20 months left. would go from 2.84% to 2.67%
    Mortgage #2 - 27 months left. would go from 3.29% to 2.77%

  12. #392
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    Those fixed rates? I'd say right now a "good" rate target is 2.4-2.5%.
    Have you looked at your penalty of you took your mortgages elsewhere? That's a good data point. You will have no leverage at your current lender.

  13. #393
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    Quote Originally Posted by RX_EVOLV View Post
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    We just got offered to blend our 2 mortgages for better rates. Is this a good time to do so?

    Mortgage #1 - 20 months left. would go from 2.84% to 2.67%
    Mortgage #2 - 27 months left. would go from 3.29% to 2.77%
    PM'd
    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. #394
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    Current Rates to Open Week June 1, 2020

    Prime Rate - 2.45%

    PROMOTIONS


    5 Year Fixed - 2.24% High Ratio Purchase or Switch Only, Owner Occupied, Close in 45 days (some restrictions)

    5 Year Fixed - 2.34% High Ratio Purchase or Switch Only, Owner Occupied, Close in 90-129 days (some restrictions)

    5 Year ARM/VRM - 1.95% 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 - 2.19% * High Ratio

    5 Year Fixed - 2.24% to 2.49% * High Ratio
    5 Year Fixed - 2.49% to 2.79% * Conventional

    5 Year ARM/VRM - 2.00% - 2.35%

    HELOC Rates Prime +0.50%

    Refinance Rates
    5 Year Fixed - 2.54% - 2.79%

    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

  15. #395
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    Current Rates to Open Week June 8, 2020

    Prime Rate - 2.45%

    PROMOTIONS

    5 Year Fixed - 2.09% High Ratio Purchase or Switch Only, Owner Occupied, Close in 90-129 days (some restrictions)

    5 Year ARM/VRM - 1.85% 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 - 2.19% * High Ratio

    5 Year Fixed - 2.24% to 2.49% * High Ratio
    5 Year Fixed - 2.49% to 2.79% * Conventional

    5 Year ARM/VRM - 2.00% - 2.35%

    HELOC Rates Prime +0.50%

    Refinance Rates
    5 Year Fixed - 2.54% - 2.79%

    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. #396
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    Current Rates to Open Week June 21, 2020

    Prime Rate - 2.45%

    PROMOTIONS

    5 Year Fixed - 2.09% High Ratio Purchase or Switch Only, Owner Occupied, Close in 90-129 days (some restrictions)

    5 Year ARM/VRM - 1.85% 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 - 2.19% * High Ratio

    5 Year Fixed - 2.19% to 2.34% * High Ratio
    5 Year Fixed - 2.24% to 2.44% * Conventional

    5 Year ARM/VRM - 2.00% - 2.25%

    HELOC Rates Prime +0.50%

    Refinance Rates
    5 Year Fixed - 2.44% - 2.59%

    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. #397
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    WWYD:

    5 year fixed at 2.09%

    5 year variable at 1.90%
    Quote Originally Posted by Gestalt View Post
    Im the one with a learning disability....

  18. #398
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    Quote Originally Posted by dirtsniffer View Post
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    WWYD:

    5 year fixed at 2.09%

    5 year variable at 1.90%
    My gut feel is that rates aren't going up in the next 3 years so variable is definitely attractive. But with the difference being only .19%, I would probably lean to the fixed just for the stability. If the spread was higher at like .3% or more i would take the risk and go variable. Just my opinion though, its a tough one.

  19. #399
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    If you’re not gonna break the term... fixed, I don’t even want to think of what type of BS is gonna be pulled out to fix this covid mess, but can’t complain about the piece of mind knowing you won’t have to worry about it locked in way down in the free money zone

  20. #400
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    We are definitely considering breaking the term as we want to keep options open on our rental. Apparently MCAP charges 3 months interest to do so which is pretty reasonable given the size of the mortgage.
    Quote Originally Posted by Gestalt View Post
    Im the one with a learning disability....

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