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Kate MacRae - Courtier Hypothécaire

Accueil
Canada
Mirabel, QC
Kate MacRae - Courtier Hypothécaire

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Informations de contact, plan et itinéraire, formulaire de contact, heures d'ouverture, services, évaluations, photos, vidéos et annonces de Kate MacRae - Courtier Hypothécaire, Service financier, 10360, Rue de PleinAir, Mirabel, QC.

As a Mortgage Broker, I help my clients' meet their objectives by identifying their specific needs and recommending a wide range of tailored mortgage products in partnership with financial institutions.

10/14/2026

What better time than now to fall in love with your community?

Here are some fun ways to connect with new people and discover hidden gems:

🚶‍♂️ Take walks to meet your neighbours
🌳 Visit local parks or join recreation clubs
📚 Join a book club at your community library
☕ Work from comfy local coffee shops

And remember, whatever you do, do it with a smile! 😊

10/13/2026

Question of the Day 🏡💭

Can mortgage terms be negotiated after an offer is accepted?

In some cases, certain loan details can still be adjusted before closing—such as interest rate options, lender fees, or loan programs. However, this depends on timing, loan approval status, and the terms of the purchase agreement.

It’s important to note that significant changes could affect approval or delay closing, especially if they impact financing timelines.

Careful coordination and clear communication are key to keeping the transaction on track.

Reach out to better understand how financing works throughout the buying process and what options may be available.

10/07/2026

Mortgage term to know: Principal 🏡💰

Principal is the amount you borrow to purchase your home, before interest and other loan costs.

As you make mortgage payments, part of that payment typically goes toward reducing the principal balance, while another portion goes toward interest.

Understanding how your payment is divided can make it easier to see how your mortgage balance changes over time and how you’re building equity.

Save this mortgage term for the next time you’re reviewing your home loan.

10/02/2026

🍂🎃 Cooler mornings, changing leaves, comfy evenings, and plenty of excuses to get outside or settle in at home. There are so many ways to enjoy the season, from exploring a local fall festival to taking a scenic drive, picking pumpkins, watching a spooky movie, or simply enjoying a quiet afternoon with a warm drink.

🍁 So, how do you like to spend October? Are you filling the weekends with fall adventures, leaning into spooky season, or keeping things cozy at home?

Share your fave October tradition below!

10/02/2026

Fall might be one of the most overlooked opportunities for home buyers. 🍂🏡

While spring often gets the spotlight, the months leading into fall can offer advantages that are worth considering. Here are a few reasons why buying in the fall may work in your favor:

🍁 Less competition – With fewer buyers actively searching, you may face fewer competing offers on the homes you like.

🏠 Motivated sellers – Some sellers are eager to move before the holidays or the end of the year, creating opportunities for stronger negotiations.

📋 More time to make decisions – A slightly slower market can give buyers more breathing room to evaluate homes and make confident choices.

🔑 Move in before the holidays – Purchasing in the fall gives you the chance to settle into your new home before the busiest time of year.

Every market is different, and the right time to buy depends on your goals, finances, and local conditions. Looking beyond the traditional spring market could open the door to opportunities you might otherwise miss.

Reach out today to see if this fall could be the right time for your next move!

09/30/2026

Fixed or variable? Which home loan fits your plans? 🏡📊 The right option depends on more than today's interest rate. It's worth looking at how each structure could affect your payments, flexibility, and total borrowing costs over time.

🔒 Fixed rate – Your interest rate is set for a defined period, providing more predictable payments during that period.

📈 Variable or adjustable rate – Your interest rate can change based on the loan terms and market conditions, which means your payments or borrowing costs may change over time.

Before deciding, consider how long you plan to own the home, how much payment flexibility you have, your tolerance for changing rates, and the full costs and features of each option.

Mortgage products and rules vary by market and lender, so make sure you understand exactly how your chosen loan works.

📩 Compare the options carefully and choose a home loan that fits both your budget today and your plans for the future.

09/23/2026

Title insurance can protect you from certain problems with property ownership that aren't always obvious at closing. 🏡📋

Here are five things worth knowing:

1️⃣ It protects against certain title risks such as undiscovered liens, ownership claims, or errors in public records, depending on the policy.

2️⃣ It's different from home insurance. Home insurance generally covers the property and its contents, while title insurance focuses on certain risks connected to ownership and the property's title.

3️⃣ Coverage varies. What's protected, excluded, and subject to limits depends on the specific policy and local rules.

4️⃣ It's generally a one-time premium. In markets where title insurance is available, the policy is typically purchased for a single premium rather than as an ongoing monthly cost.

5️⃣ It doesn't replace a title search. A title search or examination is still an important part of identifying potential ownership issues before closing.

Title insurance rules and availability vary significantly by location, so buyers should review the policy carefully and understand exactly what protection it provides.

📌 Before closing, make sure you know what your title coverage does, and doesn't, protect you from!

09/16/2026

“Affordable” means more than getting approved for a mortgage. 🏡💰

A lender may approve a certain loan amount, but that doesn't automatically mean the monthly payment will feel comfortable in your everyday life.

True affordability means accounting for the full cost of owning a home, including the mortgage, property taxes, insurance, utilities, maintenance, and unexpected repairs. It also means leaving enough room in your budget for savings, lifestyle expenses, and future changes in your financial situation.

A home should fit into your financial life without making everything else feel stretched. Before setting a price range, take a realistic look at what you can comfortably spend each month and what you want your finances to look like after closing.

The right budget isn't simply the number a lender gives you. It's the number that lets you own a home and still live the life you want. Reach out today to talk through your budget and find a price range that makes sense for your goals!

09/09/2026

Property values have shifted significantly over the past few years, and your home may be worth more than you think.

A professional home valuation gives you:
📊 An accurate picture of current market conditions in your area
🏠 Recent comparable sales data to benchmark your property
📅 A realistic timeline and expected price range
💡 Practical advice on what, if anything, to do before listing

Whether you are planning to sell soon or just curious, understanding your home's current value is always useful information!

09/02/2026

Planning to buy a home next year? Fall is the perfect time to start preparing. 🍂🏡

Getting ready now can put you in a stronger position when you're ready to make your move.

Here's what to focus on this fall:

💰 Build your down payment fund by setting a savings goal and creating a realistic budget.
📈 Strengthen your credit by paying bills on time, reducing outstanding balances, and avoiding unnecessary new debt.
📋 Review your finances to understand what you can comfortably afford each month.
🏘️ Research communities to narrow down where you'd like to live before you begin house hunting.
🤝 Connect with a real estate professional early to learn about the buying process, current market conditions, and what you can do now to prepare.

A little planning today can make next year's home search feel much smoother and far less stressful. Let's map out the steps that can help you become purchase-ready by next year!

Adresse

10360, Rue De PleinAir
Mirabel, QC
J7J1S8

Heures d'ouverture

Lundi	10am - 6pm
Mardi	10am - 6pm
Mercredi	10am - 6pm
Jeudi	10am - 6pm
Vendredi	10am - 6pm
Samedi	10am - 6pm
Dimanche	10am - 6pm

Site Web

https://www.katemacrae.ca/

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