Shawn Kingsbury Mortgage Broker

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Canada
Windsor, ON
Shawn Kingsbury Mortgage Broker

Looking to buy or use your home equity? As a mortgage broker, I am your one-stop shop for home financing needs.

Click the link in my bio to get started on your pre-approval

FSRA Lic: M19001038 Click the Learn More button to start your mortgage pre-approval and receive a call within 1 hour of application submission!

02/23/2024

While it's uncommon, banks and mortgage lenders may choose not to renew under certain circumstances. Factors like changes in your financial situation, credit history, or property value can influence their decision 📊

Our advice? Stay proactive! Keep your credit in good standing, communicate openly with your lender, and explore options to improve your financial profile.

Our team is here to guide you through the process and ensure you're well-prepared for a seamless mortgage renewal ✨

Have a question about your upcoming renewal? 🔥 Drop them in the comments below or send us a DM!

02/21/2024

Mark your calendars for March 6th, 2024 - it’s the next Bank of Canada interest rate announcement of 2024! 📅

What do you think will happen to rates?

Keep a close eye on the Bank of Canada's website and social media for valuable updates and insights leading up to the big day. Let's all stay informed and prepared for whatever changes may come our way.

https://www.bankofcanada.ca/

02/15/2024

Renewing your mortgage is not just a financial decision; it's a commitment to the place where your fondest moments unfold and dreams take root 💑🏡

Our mortgage renewal options are designed to align with your evolving needs, providing you with the financial flexibility to enhance and elevate your living experience.

Whether it's a cozy kitchen upgrade, a dreamy backyard transformation, or simply securing a better rate, we've got you covered 👍

Just as true love stands the test of time, so should your bond with your home! Reach out to me @ 226-620-1024 and let's ensure that the love story with your home continues to blossom🌹✨

02/13/2024

Happy Paczki Day! 🍩🎉

Mortgages might be our specialty, but today is all about indulging in the sweetest treats! ✨ Don't forget to treat yourself to a delicious paczki – because you deserve it!

02/12/2024

Looks like there has been another slight dip in mortgage rates this week! 📉

Whether you're a seasoned investor, a proud homeowner, or just stepping into the world of real estate, our updates ensure you're well-prepared and well-informed 💼✨

🏡 5-Year Purchase Rates starting at 4.79%* APR
💰 5-Year Refinance Rates starting at 5.04%* APR
*Terms and Conditions Apply.

Find out what rates you qualify for by reaching out to us @ 519-419-3825 or visiting
https://mortgagesuite.ca/prequalify

AND for even more detailed rate information, don’t forget to visit
https://mortgagesuite.ca/mortgage-rates/

02/09/2024

In January 2023, the average price of a home was $517,187 with an interest rate of 6.49% and a qualification rate of 8.49%

⏩ Fast forward to 2024, and the average price has risen once again to $534,655, with a 7.04% interest rate and a 9.04% qualification rate

While interest rates remained fairly steady between December and January, we can still see an increase in the maximum monthly payment. But why? 🤔

Here's the deal: Your monthly payment is influenced not only by interest rates but also by the overall purchase price at the time of buying your home. Even when interest rates remain constant, a significant increase in average housing prices can impact the overall affordability of your mortgage - thus contributing to a higher monthly mortgage payment! 💸

Whether you're navigating the market or planning to make a move in 2024, understanding these nuances is crucial for informed decision-making.

Explore your mortgage options with us—book a meeting today or give me a call at 226-620-1024 📲

Book Now: https://book.mortgagesuite.ca/ #/customer/shawnkingsbury

02/08/2024

What REALLY goes into determining the mortgage rate you qualify for? 🤔

Lenders will look at your credit score to gauge your creditworthiness and determine the level of risk associated with lending to you. A higher score can open doors to lower rates, while a less-than-perfect one may lead to higher interest charges 📈💳

A significant down payment reduces the amount you need to borrow, bringing down your Loan-To-Value (LTV), and signals to the lender that you are a low-risk borrower - potentially boosting your chances of securing a more favourable rate!📉💰

The type of mortgage rate you choose and the length of your mortgage term can also impact the rates available to you. Opting for a fixed or variable rate should depend on your risk tolerance and market projections.

Similarly, the loan term shapes your monthly payments and overall interest expenses, offering flexibility tailored to your financial goals. Shorter terms typically mean higher monthly payments, but can lead to you becoming “mortgage-free” sooner!

Last but not least, market conditions 📊 Economic shifts, inflation, and central bank policies all influence the interest rate environment, ultimately impacting the rates available to borrowers like you 🫵

Keeping an eye on the market can help you time your mortgage application for the best possible rate!

By understanding these factors and how they work together, you’ll be making better-informed decisions to secure the best rate for your dream home 🏡

Find out what rates you qualify for by reaching out to us @ 226-620-1024 or visiting https://mortgagesuite.ca/prequalify

02/02/2024

🏡 Getting ready to renew your mortgage? 🔄

Let's break down the key differences between renewing with a bank and a mortgage broker! 🏦🔍🤝

With the bank, you'll have a single lending option, limited transfer flexibility, and no alternative lending choices. Forget about pre-approvals and rate holds, and brace yourself for crunching the numbers just 3-4 months before maturity! Also not the most unbiased source! 🤷❌

On the other hand, working with a mortgage broker gives you access to an exclusive broker channel of lenders, alternative lending options, and seamless navigation through transfers and switches. Get pre-approved effortlessly, lock in rates, and calculate your numbers at any time! Plus, brokers have a fiduciary duty to ensure your best interests are always their #1 priority! ✨

The best part?

Both services are completely FREE for you, the borrower! And in most cases, the lender covers the cost of your mortgage broker, unless you opt for an alternative lending route.

Your mortgage broker is your ADVOCATE - they work for you, providing honest advice on whether your current lender is the best fit or if it's time to explore other possibilities. 💼💬

Explore your mortgage options with confidence! 📈

Contact me for a FREE mortgage consultation @ 226-620-1024 and let’s navigate your mortgage renewal together! 📲

01/31/2024

Your home is more than just a space—it's a valuable investment! 📈

Discover the power of strategic renovations and transform your home! From the kitchen to the curb, discover ways to boost your property's appeal and maximize your home’s potential 🛠️🏠

Ready for a change?

Learn more at WikiMortgage
https://mortgagesuite.ca/home-renovations-that-will-increase-your-property-value/

01/29/2024

Despite the Bank of Canada's decision to maintain the overnight rate at 5%, we've noticed a slight dip in fixed mortgage rates! 📉

Whether you're a seasoned investor, a proud homeowner, or just stepping into the world of real estate, our updates ensure you're well-prepared and well-informed 💼✨

🏡 5-Year Purchase Rates starting at 4.94%* APR
💰 5-Year Refinance Rates starting at 5.19%* APR
*Terms and Conditions Apply.

Find out what rates you qualify for by reaching out to me @ 226-620-1024 or visiting https://mortgagesuite.ca/prequalify

AND for even more detailed rate information, don’t forget to visit https://mortgagesuite.ca/mortgage-rates/

01/26/2024

It feels like it was just yesterday when you secured your dream home, but time flies, and now it’s time to consider your next move! 📆✨

Now, as your mortgage renewal approaches, it's crucial to acknowledge that a lot can change in a few years, especially in the world of mortgage rates and personal finances.

So, before you hit the ‘RENEW’ button, let’s ensure your mortgage aligns perfectly with your present and future goals!

Consider this a mortgage check-up! 🩺💰

Are you taking advantage of the current low-interest rates? Have your financial goals evolved? Has your circumstance changed?

Whether you're a seasoned homeowner or it's your first renewal, let's make this process as exciting and stress-free as closing day! 🎉🏡

Drop a DM or give me a call – let's make sure your next mortgage chapter nothing short of exceptional 📲

Address

1821 Provincial Road Unit 3
Windsor, ON
N8M5V7

Telephone

+12262804320

Website

http://r.mtg-app.com/skingsbury

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