Riley Ruhr - Mortgage Associate TMG, The Mortgage Group Prairies

02/22/2021

Mortgage rate increase starting tomorrow. If you’re planning on purchasing, renewing, or refinancing in the next 4 months let’s look at getting the rate held for you before they increase tomorrow. 5 year fixed rate as low at 1.49 will be done as of midnight. Send me a message or text or call 306-535-1887. Will be working on these throughout the evening if anyone needs a hand.

03/18/2020

To all my past...present...and future clients😁Please see below some important information and contact numbers for the majority of lenders and banks that I may have placed your mortgage in case you would like to explore the option of deferring your mortgage payment during this time. If you have any questions please do not hesitate to reach out to myself or your current lender.

My direct line is 306-535-1887.

Mortgage Payment Relief - Covid 19

Here is some information in these uncertain and difficult times.

Insurers (CMHC, Genworth, and Canada Guaranty) already had programs in place with the banks/lenders that allowed them to capitalize up to 4 monthly payments. Today they announced that they will consider extending the program to allow up to 6 months of capitalization provided that:

1. Original insured loan amount is not exceeded
2. Request to cap payments is received prior to Sept 3, 2020
3. Bank/lender confirms the capitalization is being applied reasonably to help mitigate short-term financial difficulty resulting from COVID-19.

The insurers have several other default management tools available which include: payment deferral, loan re-amortization, and other special payment arrangements. All assistance options will be considered on a case by case basis.

The programs are facilitated through the banks/lenders and we have been asked to direct our clients to contact their lender directly for further assistance.

Here is a list of customer service numbers:

ATB 1-800-332-8383
B2B 1 800 263 8349
BMO 1-877-895-3278
Bridgewater 1-866-243-4301
CIBC 1-800-465-2422
CMLS 1-888-995-2657
Optimum 1-866-441-3775
Equitable 1-888-334-3313
Connect First 403-736-4000
Chinook Financial 403-934-3358
First Calgary Financial 403-736-4000
First National 1-888-488-0794
Haventree 1-855-272-0051
Home Trust 1-855-270-3630
HSBC 1-888-310-4722
ICICI 1-888-424-2422
Lendwise 1-877-637-4911
Manulife 1-877-765-2265
MCAP 1-800-265-2624
Merix 1-877-637-4911
Marathon 1-855-503-6060
RBC 1-866-809-5800
RFA 1-877-416-7873
RMG 1-866-809-5800
Scotia 1-800-472-6842
Servus 1-877-378-8728
Street Capital 1-866-683-8090
TD 1-866-222-3456
CMHC 1-800-668-2642
Genworth 1-888-436-9678
Canada Guaranty 1-866-414-9109

02/19/2020

10/28/2018

Mortgage rules are complicated. Let me show you why having 30+ lenders competing for your mortgage is worth your time!!

10/26/2018

Inquire about our unadvertised Rate Specials!!!

There are many mortgage options out there.

Are you getting the best deal?

10/26/2018

Inquire about our unadvertised Rate Specials!!!!

There are a lot of mortgage options out there.

Are you getting the best deal?

Contact me today to find out what I can do for you. Let's keep thousands in your pocket.

04/13/2018

Rumour has it rates are increasing as early as tonight. Call, text, or email if you would like to explore your options

02/07/2018

https://m.mortgagebrokernews.ca/news/broker-networks/something-tells-me-the-government-doesnt-know-what-its-doing-237396.aspx

A month after the latest regulations took effect, brokers aren't mincing words

01/16/2018

Recent news online shows the Big Six banks raising their mortgage rates. Do yourself a favour and do some research on their website to see current rate specials. See what they are and compare them to the current specials I have on my website www.skmortgagestoday.com. Text or call today for even more specials.

Purchases....Refinances...Renewals. Let’s save you some of your hard earned money.

We bring to you a one-stop convenience and impartial advice when you shop for your mortgage. We offer a computerized service that can present your mortgage requirements to many lenders. We can find the mortgage that best suits your financial needs.

07/25/2017

More news on the mortgage front. Out of nowhere the qualifying rate for mortgages jumped from 4.64% to 4.84%. This will affect anyone applying for a mortgage with less than a 20% down payment.

If you want to see where you stand message or call me at 306.535.1887.