Jim Steffler Mortgages - Dominion Lending Centres National Ltd. FSRA #12360

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Jim Steffler Mortgages - Dominion Lending Centres National Ltd. FSRA #12360

Dominion Lending Centres National Ltd. FSRA #12360

08/27/2026

Remember when we all wore a Livestrong bracelet?

Also, I'm not sure why my eyebrows are so perfect here, but rest assured I have never altered them in any way.

Did you know if you got pre-approved TODAY it would last all the way until Dec 25th? Santa could bring you a new house!

08/18/2026

"What do you mean rates are going up? I haven't seen this on the news, or 400 different realtors Instagram stories?"

The stuff you see about rates rising or falling in the news are Bank of Canada decisions - these only impact variable rates.

Fixed rates are driven by the bond market, which has unfortunately been trending in the wrong direction since the start of the war in the spring.

If you have a renewal coming up in the next few months, you might want to lock in something now.

If you've been shopping for a new house with a pre-approval, maybe pick one of the 20,000 which are available before your rate expires.

📨 [email protected]
📲 226-338-5136

08/11/2026

All of the above is true.

Want to work with a mortgage agent well connected to the real estate world, and have a stress free experience while saving some money?

Want someone who manspreads and raised baby chicks in 1984?

Give me a call.

📨 [email protected]
📲 226-338-5136

07/21/2026

Kind of a boring post, but I just got back from vacation and I'm too bloody busy for something creative. They all can't be winners, can they?

Paris and London were nice, thanks for asking. It was pretty cool to be there for the ⚽, even if it is the most boring sport imaginable.

In a nutshell, the Bank of Canada 🏦 isn't raising rates anytime soon. Inflation doesn't look that bad even with daily new deals with Iran.

Inflation is just fine according to the report. Maybe have yourself a $35 McDonald's lunch today to celebrate how cheap things are? 🥂

📨 [email protected]
📲 226-338-5136

06/30/2026

Who doesn't love a good carousel post?!

Looking to purchase this summer? Up for renewal this fall? Ready to buy your first home? Need assistance with any of the above?

I'm here to help.

📲 226-338-5136
📨 [email protected]

06/23/2026

Thank you so much to everyone who attended Jimapalooza #2 this past Thursday!

I really appreciate the support, and and hope you were only slightly hung over on Friday. My realtor and lender partners mean the world to me.

Special thanks to my incredible assistant Jillana Brohman for helping organize, St. Louis Bar & Grill for being terrific hosts, and Softcase Band for the amazing rock set!

If you're a realtor who missed it, let's connect and I'll make sure you're on the invite next June fo complete the trilogy!

📲 226-338-5136
📨 [email protected]

06/22/2026

Yikes!!!

What does this mean for rates? Likely nothing.

The Bank of Canada can raise rates as a tool to cool inflation, but in this case it wouldn't do anything at all. Raising rates helps slow down the economy, and hence... lower inflation.

Do you think the economy is currently on 🔥 and needs to be chilled?

Will raising rates help with the Mexican 🍅🍅 🍅 crisis?

Would gas prices 🚗 be lowered with higher rates?

Unless something drastic happens, expect the overnight rate not to change anytime soon.

📲 226-338-5136
📨 [email protected]

06/17/2026

Are you a realtor?

Are you free tomorrow night?

Do you like alcohol? 🍺🍷
(of course you do, you're a realtor)

Do you like food? 🍕🍔

Do you like live music? 🎵
(rock and roll... not boring elevator stuff)

Do you like your fellow realtors?
(don't answer that)

Do we already work together?

Or... Can you pinky swear that at some point we will work together?

If the above rings true, I'd love to have you at Jimapalooza #2! No lame speeches, no mortgage talk, no "lunching and learning" - just a night out.

DM me for details if you want to come.

05/22/2026

I don't understand why a couple would want cash 💰 instead of fine china they will never use, or a selection of embroidered towels?

To each their own I guess...

As a reminder, here's the minimum down payments to collect from your guests:

$500,000 or less - 5% of the purchase price

$500,000 to $1,499,999 - 5% on the first $500,000 + 10% on the remaining balance

$1.5 million or more -
20% of the entire purchase price

📲 226-338-5136
📨 [email protected]

05/16/2026

Another annual trip to Mexico in the books thanks to my friends and ☀️☀️☀️

I took ridiculously few photos, but it was great catching up with old friends, making a few new ones, and talking a bit of shop.

I will never be too old for Coco Bongos.

Now for a weekend of slugging away on the files of my 4000 clients who purchased last week when I was away... 😐

Address

393 Hillside Street
Waterloo, ON
N2K2P1

Website

http://jimstefflermortgages.com/

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