Mortgages by Carolyn

01/27/2024

Absolutely true. 🙏💜🙏

03/31/2023

Message me if you would like to attend this webinar.

03/31/2023

Police are warning the public after several cases where fraudsters used the grandparent scam to defraud local seniors.

Over the past week three Lethbridge residents were victimized with losses totaling approximately $26,000. Police are asking the public to be aware of this scam and take steps to share information with their loved ones in the hopes of preventing further victimization.

There are currently active investigations throughout Alberta involving a group who has defrauded victims in multiple jurisdictions using this scam.

The emergency scam, or grandparent scam as it’s often called, involves fraudsters typically targeting seniors by calling and pretending to be a family member – usually a grandchild – claiming they are in some sort of trouble and need money immediately. The caller may also pretend to be a police officer or lawyer acting on the grandchild’s behalf. They will ask for cash and then send an associate, posing as a police officer, bail bondsman or some other official, to collect the money. They may also seek payment in the form of gift cards, bitcoin or e-transfer. Victims are given a variety of reasons why they have to keep quiet and not speak to anyone about the situation.

In the Lethbridge cases, each victim was told their loved one had been involved in a collision, was in police custody and required cash to pay their bail.

LPS is encouraging residents to talk with their older relatives about what to do if they receive a scam call.

• Always verify the caller’s identity and the legitimacy of their story . Call the grandchild directly and if they can’t be reached, contact their parents, siblings or another relative who can help verify the story
• If a caller claims to be a police officer, lawyer, judge or other official call the police station or courthouse directly to confirm their identity and the legitimacy of the call
• Do not use any phone numbers or other contact details provided by the caller to try and verify information
• Do not provide money, gift cards, bitcoin or any other form of payment to someone you do not know
• Bail is always paid in person at the police station, courthouse or correctional centre and receipt of payment is provided. Police and court officials will never attend someone’s home to pick-up cash
• Never disclose any personal information over the phone to someone you don’t know

Anyone who has fallen victim to the grandparent scam and not yet reported it, is asked to call police at 403-328-4444.

10/11/2022

Reducing the stigma surrounding mental health is a collaborative effort. We are committed to ensuring mental health and wellness are prioritized in our workplace. Our goal is to create environments where mental illness can be talked about openly so that those that need help receive it without shame or judgment. If you or anyone you know are in need of help there are resources available - visit https://www.canada.ca/en/public-health/services/mental-health-services/mental-health-get-help.html call 1-866-585-0445 or text WELLNESS to 686868 (for youth) or 741741 (for adults) to get the help you need.

07/23/2021

Key Consumer Mortgage Trends: CMHC

Mortgage Types

-70% of mortgage consumers have a fixed-rate mortgage
-21% have a variable rate
-33% for those aged 18 to 24
-6% have a hybrid (combination of fixed and variable)
-3% don’t know
-56% of borrowers have a 5-year term
-8% have a 1- or 2-yr term
-16% have a 3-yr term
-11% have a 4-yr term
-5% have a term greater than 5 years
-45% of first-time buyers have an amortization of 25 years or more
41% make monthly mortgage payments (53% of first-time buyers)
13% have semi-monthly payments
26% have bi-weekly
8% have weekly
7% have an accelerated bi-weekly

02/03/2021

Interesting...

Alberta city ranked among Western Investor’s five top towns for real estate investors is ‘flying under the radar’, data suggests

12/09/2020

Looks like the Bank of Canada is keeping the prime rate the same.. What does that mean for you... call me and lets talk.

Quick Rundown Today’s Announcement: No change to rates Overnight rate: 0.25% Prime Rate: 2.45% (also no change; see Prime Rate) Market Rate Forecast: No BoC hikes until at least 2023 BoC’s Headline Quote: “The Governing Council will hold the policy interest rate at the effective lower bou...

10/29/2020

Some goods news.

Mortgage shoppers take note: Cheap money is here to stay, at least for the next two years, the Bank of Canada reaffirmed during its interest rate decision on Wednesday.

10/28/2020

I love the thought of this!

10/09/2020

A great point of view to live life from... what do you think?

You can be agreeable without agreeing. In fact, most of the time, we’d rather spend time with people who have a different point of view but are willing to be agreeable nonetheless. It’s…

09/17/2020

Does your pantry need a little love? Check out five creative ways to reorg your pantry.

09/17/2020

See 28 organized mudrooms and get mudroom storage ideas to keep the space neat and tidy during the year's messiest seasons.