Financial FX by Premiere Mortgage Centre

Financial FX by Premiere Mortgage Centre Mortgage Broker - Credit strategies and mortgage solutions. Helping families build wealth through real estate! Click below to book a time to chat.

https://calendly.com/cricky I work closely with financial advisors to help integrate credit strategies with debt and cash flow management. This allows for a broader financial plan for the clients so all of their resources go toward reaching the same goals. That's smart business! Financial advisors look at the positive side of the balance sheet and my specialty is the negative. Most clients are lef

t to manage their own debt which is scary considering most people don't understand how a mortgage works. There are simple changes that can be made to a traditional mortgage alone that can save you THOUSANDS OF DOLLARS in interest and take YEARS off their total amortization period. This information is rarely shared and I want to change that. We are in a debt driven society where a range of clients can benefit from knowing how things work behind the scene and what their options are. I feel this is an untapped market. I have only found credit counselling services that is available for clients when they are heading towards bankruptcy. However, there is nothing for people that have good credit, showing them different credit strategies and efficiency management. Financial Freedom Solutions provides a network of referral sources for all of your clients financial and purchasing needs. Let's talk about how I can help you - get in touch with me today. Cricky Smith


Mortgage Broker - Credit Strategies

Financial FX Powered by Premiere Mortgage Centre Inc. - Mortgage Brokerage

Cell – 506-434-5433

Office - 506-429-5496

Email – [email protected]

Broker license ID 170021760

Brokerage license ID 160000437

✨Tip Tuesday ✨If your mortgage is renewing this year, don’t just sign the renewal offer without checking all of your opt...
05/06/2025

✨Tip Tuesday ✨

If your mortgage is renewing this year, don’t just sign the renewal offer without checking all of your options!

You could:

✔ Get a better rate
✔ Adjust your payment plan
✔ Refinance and access equity

Let’s review your options before your current term ends. 📲

Broker license ID 170021760
Brokerage license ID 160000437

Kind words from kind people — always thankful for the trust. 💕Broker license ID 170021760Brokerage license ID 160000437
05/01/2025

Kind words from kind people — always thankful for the trust. 💕

Broker license ID 170021760
Brokerage license ID 160000437

✨ Tip Tuesday ✨❎Avoid Big Purchases Before Closing❎Did you know a new car or big furniture purchase before closing can h...
04/29/2025

✨ Tip Tuesday ✨

❎Avoid Big Purchases Before Closing❎

Did you know a new car or big furniture purchase before closing can hurt your mortgage approval? 🚫

Lenders review your credit again before funding, and new debt could change everything.

Pro Tip : Hold off on major buys until the keys are in your hand. 🔑

Broker license ID 170021760
Brokerage license ID 160000437

🔑 Thinking about buying? There are open houses all weekend — click the link below for a list happening in Saint John thi...
04/25/2025

🔑 Thinking about buying? There are open houses all weekend — click the link below for a list happening in Saint John this weekend
⬇🏠

https://www.realtor.ca/map =11&Center=45.254464%2C-66.039855&LatitudeMax=45.41086&LongitudeMax=-65.50633&LatitudeMin=45.09764&LongitudeMin=-66.57338&Sort=6-D&PGeoIds=g30_f81188tt&GeoName=Saint%20John%2C%20NB&PropertyTypeGroupID=1&TransactionTypeId=2&PropertySearchTypeId=0&OpenHouse=1&OpenHouseStartDate=04%2F23%2F2025&OpenHouseEndDate=04%2F30%2F2025&Currency=CAD

Having worked on both sides—within a bank and as a broker—I strongly recommend reaching out to a broker. As a broker, I ...
03/25/2025

Having worked on both sides—within a bank and as a broker—I strongly recommend reaching out to a broker. As a broker, I have access to a wide range of lenders, giving you more options beyond a single portfolio. Not all lenders are the same, and there’s much more to a mortgage than just the rate! For instance, some banks impose significant penalties if you need to break your term early, while others are more lenient. Brokers prioritize your best interests since our fiduciary duty is to you, not the bank’s bottom line.

I also assist clients with understanding credit and offer strategies to accelerate financial progress.

Financing a home is one of the biggest investments you’ll ever make, so it’s crucial to understand all your options to make a well-informed decision.

Contact me today to discuss your options.

Wheather it's boosting your savings, trimming expenses, or understanding your credit score, these little actions can make a huge impact on becoming a home owner.

Start by: Automating a portion of your paycheck to a high interest savings account try and aim for 1%-4% depending on your balance. I personally love and .

Cut back on subscribtions services such as netflix, amazon. Renegociate your service provider bills for a better rate.

Not sure where else to begin? I love connecting my clients with local experts who can guide you along the way!

Mortgage brokers: , Holly Ames at RBC,
Financial coaches:

Some other resources include .ca The No Budget Babe

Did you know the average Canadian homebuyer spends approximately four and a half months searching for the perfect home. ...
03/25/2025

Did you know the average Canadian homebuyer spends approximately four and a half months searching for the perfect home.

This process includes finding a property, negotiating the deal, and closing. Factors such as market conditions, personal preferences, and financing options can influence this timeline.

Notably, younger buyers tend to spend more time viewing properties before making a decision.

Thinking about starting your homebuying process? Let's talk timelines and rate holds! 💰

Nothing makes us prouder than hearing from happy clients. We’re so grateful for your kind words! ✨ If you're looking for...
03/20/2025

Nothing makes us prouder than hearing from happy clients. We’re so grateful for your kind words! ✨

If you're looking for top-notch service and competitive rates, let's chat today.

Myths About Mortgages You Need to Stop Believing! 🚫💭💥 Myth 1: "I need a 20% down payment."✅While a 20% down payment is i...
03/18/2025

Myths About Mortgages You Need to Stop Believing! 🚫💭

💥 Myth 1: "I need a 20% down payment."
✅While a 20% down payment is ideal, many programs allow for as little as 5% or even lower. Lets talk about your down payment options!

💥 Myth 2: "My credit score isn’t good enough for a mortgage."
✅ Many lenders accept a wide range of credit scores. There are also programs for first-time buyers or those with less-than-perfect credit.

💥 Myth 3: "Pre-approval means I'm guaranteed a loan."
✅Pre-approval gives you an idea of how much you can borrow, but it’s not a guarantee. Underwriting may require certain conditions met prior to releasing funds, these are processed once you have an accepted.

Not sure if someone you've heard is myth or fact? Send us a message!

Broker license ID 170021760
Brokerage license ID 160000437

❗️3 bedroom under 250K ❗️Looking for weekend plans? Go check out 120 mountain View Drive
03/13/2025

❗️3 bedroom under 250K ❗️

Looking for weekend plans? Go check out 120 mountain View Drive

Weekend Plans? Come Visit Us! 🏡

Stop by and say hello to Kaytlin at 120 Mountain View Drive this Sunday, March 16th from 1-3 PM.

Tour this beautiful home, ask questions, and explore what could be your future home! Hope to see you there!

🌟 Client Testimonial Time! 🌟We love hearing from happy clients! It was a pleasure helping them navigate their mortgage j...
03/13/2025

🌟 Client Testimonial Time! 🌟

We love hearing from happy clients!

It was a pleasure helping them navigate their mortgage journey, and we’re so grateful for their trust in us. 🏡✨ If you’re looking for expert advice and personalized service, don’t hesitate to reach out!

5 Tips for First-Time Homebuyers 🏡✨Don't let the process of home buying overwhelm you. Here are 5 tips to help you get s...
03/11/2025

5 Tips for First-Time Homebuyers 🏡✨

Don't let the process of home buying overwhelm you. Here are 5 tips to help you get started on your journey to home ownership 🔑

💰Know Your Budget: Before you start house hunting, get clear on how much you can afford, and what you qualify for. This includes not just your monthly mortgage, but property taxes, insurance, and maintenance.

📈Check Your Credit Score: Your credit score affects your mortgage rate. The higher your score, the better your interest rate could be!

🏠Save for a Down Payment: Aim for at least 20% down, but you can purchase a home with as little as 5%.

🔎Shop Around for Rates: Don’t just settle for the first offer. Compare rates from different lenders to ensure you get the best deal. (This is where we come in 😁)

Understand Your Loan Options: There are many types of mortgages – fixed-rate, adjustable-rate, business for self products, and more.

Curious about what your lending options look like? Let's chat!

Broker license ID 170021760
Brokerage license ID 160000437

Address

71 Paradise Row
Saint John, NB

Opening Hours

Monday 8am - 8pm
Tuesday 8am - 8pm
Wednesday 8am - 8pm
Thursday 8am - 8pm
Friday 8am - 8pm
Saturday 8am - 8pm

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