Carson Berens-Frattini - The TMC Group

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Greater Sudbury, ON
Carson Berens-Frattini - The TMC Group

Mortgage Agent Level 2
@ Today's Mortgage Choice Lic # 13324

01/27/2026

Feeling very thankful after an amazing 5th anniversary weekend!
A huge thank you to Brian, Wayne and the entire TMC team, and to our lender and industry partners for making this weekend such a great celebration.

Here’s to an even bigger and better year in 2026!

and many more!

04/11/2025

Hoping to make this an annual tradition!
2025 Manulife Partner Appreciation Retreat with
.tmc
Thank you

10/23/2024

October 23rd BoC announcement! 📢 🏡💰

The overnight lending rate has been reduced by 50 basis points, which means the Prime Rate for mortgages will also be lowered to 5.95% from 6.45%. This means that variable mortgage holders and those with home equity lines of credit will see more payment relief effective immediately. This also means that for the first time in years, any variable mortgage holder with a discount of at least 1% now has a mortgage rate below 5%!

Many economists are still predicting further significant reductions to the prime rate, so it is absolutely imperative to explore all of your options if your existing mortgage is up for renewal in the coming months, or if you’re in the market for a new home!

Call me any time if you’d like to discuss your current situation or for further information!

06/05/2024

Finally!🏡📉📌

A Bank of Canada announcement resulting in a smile and a sense of optimism. For the first time in over two years, Canada’s central bank has finally made a reduction to the benchmark interest rate. The 25 basis point reduction we’ve seen this morning will bring a slight sense of relief to variable mortgage holders and those with secured lines of credit as well.

As inflation continues to ease and move toward the banks 2% target, we hope to see additional reductions to this policy rate in the coming months.

If your mortgage is up for renewal within the next 6 months to a year, it is essential to consider the potential opportunities this period presents.
Call or text me any time to discuss your current situation, explore new options and optimize your financial position while saving you money.

03/06/2024

The Bank of Canada has again held its key interest rate at 5% at this mornings meeting, bringing some continued relief and optimism to variable mortgage holders.
Canada’s inflation rate dropped below 3% in January, but they’ve indicated that further declines will be necessary before any rate cuts take place.
We are all anxiously awaiting the news of a reduction to the prime rate and relief in the form of lowered monthly mortgage payments, and this is another step in that direction.

On another note, according to newly released data from Equifax Canada, mortgage delinquency rates soared in Q4 of 2023, especially here in Ontario. They’ve indicated a 135.3% increase in delinquency compared to the previous year. We’re also seeing a substantial increase in missed payments on credit products as well.
It’s no secret that with high interest rates come higher payments and increased consumer debt.

If your mortgage is up for renewal in the coming months, let’s explore all of your options in hopes of reducing your payments and interest costs, but also look at the possibility of refinancing to consolidate debt and improve your monthly cash flow.

Contact me at any time if you’d like to assess your situation and create a plan that helps alleviate any financial stress that you and your family may be dealing with.
Always here to help!

01/24/2024

As of January 24th, the key interest rate will remain unchanged for the fourth meeting in a row. Here’s hoping for similar announcements on March 6th and April 10th, and possibly news of a potential reduction later this year!
🤞🤞

09/15/2023

Ready to secure your financial future? Real estate could be your golden ticket! Below are some tips that can help offer you valuable insights to make well-informed investment decisions.

Explore 5 unique avenues:

Rental Properties: A reliable stream of income awaits. Consider this: purchasing a property for $200,000 that yields a monthly rent of $1,500 results in an impressive 9% cash-on-cash return.

Property Appreciation: Over time, property values tend to increase, allowing you to reap substantial rewards. Historical data shows property values have surged, making this strategy a potent one.

REITs (Real Estate Investment Trusts): For a hands-off approach, consider REITs. They offer an attractive alternative, with impressive returns that have outperformed the stock market.

Property Flipping: This strategy combines strategic acquisitions, renovations, and sales for substantial profits. While it demands effort, the potential rewards are high.

Land Development: Transform raw land into profitable assets through infrastructure development. It's a strategy that requires patience but offers substantial profits.

Each path has its perks and challenges, but with dedication and financial strategy, you can secure your financial future. Remember, success in real estate demands rigorous research and unwavering dedication. If you need help developing you strategy, or just want some guidance, give us a call today!
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# investmentproperty

08/03/2023

Moving can be a challenge, but it shouldn’t be something you dread! With a solid plan, you'll breeze through the moving process like a pro. From packing your belongings to settling into your new home, check out our checklist for a perfect move below. 📝

Step 1: Strategize - Plan your move strategically to stay on track and stress-free.
Step 2: Declutter and Donate - Clear out the unnecessary and spread some goodwill along the way. 🧹
Step 3: Pack - Organize and protect your stuff, ensuring everything arrives in one piece.
Step 4: Announce Your Change of Address - Keep everyone in the loop and update your info.
Step 5: Final Preparations - Cross those last-minute to-dos off your list and get ready for the big day! 📝
Step 6: Move! - It's go time! Load up the van and embark on your new adventure.
Step 7: Settle In - Embrace your new home, create lasting memories, and cherish the journey.

No need to stress over your next move – follow our checklist, and you'll be well-prepared for the exciting chapter ahead! 🌟
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05/16/2023

Lower monthly payments, saving money, and achieving financial goals. 💰 Refinancing your mortgage can help with all of these! 🏠💡 With reduced interest rates, even a small reduction in your rate can make a big difference in your monthly payments and potentially save thousands of dollars over time.👌

But that's not all! Refinancing can also help you achieve your goals by changing your mortgage terms or tapping into your home equity. 🤝 Whether you want to pay off your mortgage faster, lock in a low-interest rate, or get funds for home improvements or debt consolidation, refinancing can help. 🔜💡

Use our home equity calculator to estimate your available equity and see how much you may qualify to borrow. 🔢 Refinancing with a lower interest rate is a smart financial move that can help you save money, pay off debt, or invest in your future. 🌟

Don't wait any longer to take control of your finances. Contact us today to learn more about refinancing with a lower interest rate. 📞 Our team is ready to help you make the best financial decision for your situation! 💪

Address

398 Lloyd Street, Sudbury
Greater Sudbury, ON
P3B1P3

Telephone

+17056182786

Website

http://www.todaysmortgagechoice.com/carson/

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