Hello Durham viewers of Rogers Cable 10 ... Marshall Spencer, Accredited Mortgage Professional and licensed mortgage broker (license # M08000817)at RMA-Spencer Group Mortgages (license #10655) is appearing today on First Local Midday on local Rogers stations to talk about the mortgage market. We may not reach the Toronto or other large markets but if you're in Durham Region (Pickering, Ajax, Whitby, Oshawa, Bowmanville, Courtice etc) then he's there for you.
Tune in for an informative talk segment and learn a thing or two: misconceptions about using a mortgage broker, what do the recent rate drops mean to me, how can I get myself ready to be approved for my mortgage ... and many others.
Have a great Friday and see you at noon !
Showing posts with label accredited mortgage professional. Show all posts
Showing posts with label accredited mortgage professional. Show all posts
Friday, March 6, 2009
Friday, February 13, 2009
Friday the 13th
NO - not a plug for a movie of the same name just a little look at folklore about bad things. Walking under ladders, black cats crossing your path, Friday the 13th, refinancing your mortgage etc.
In ancient times, people used to spend fortunes buying charms and amulets to ward off bad luck and attract good.
Luck is pretty impersonal, but good luck definitely favors the prepared mind ... so why not apply the same principal to your finances ?
If there's one huge difference I see between successful people and everyone else it's this ... successful people take the time to prepare their minds by feeding their brains something good every once in a while.
How does that apply to my finances you ask ?
If you wonder why the Jones's next door always seem to be taking advantage of opportunities (winter holiday, stress-free living etc) then they probably did something you haven't. They fed their financial "brains" some good advice from a licensed mortgage broker and refinanced their mortgage at what some analyst are describing as the lowest rates in 65 years.
The Jones Family took the bull by the horns and said "No more waiting ... we are done with high interest rates and a river of cash flowing out the door every month. We want to be prepared if there is a layoff, illness or emergency."
They called their mortgage broker and got a free, no obligation review of their options and went ahead by consolidating all their debt into one payment at a fantastic rate. They still owe the same amount of money ... but they took a smart approach and lumped it all together under one single payment.
Their extra cash ? Topping up RSP and RESP were first on their minds ... then a week down south to refresh and relax. A return trip home and they're now plowing the extra cash savings into pre-payments on their mortgage and setting up a little savings account for 3-6 months of living expenses as an emergency fund. No more stress about whether the plant is going to cut a shift and what they'll be forced to do to pay all those bills. One payment, one bill, no stress.
Call us. We're here to help. A licensed, Ontario mortgage brokerage ... RMA-Spencer Group Mortgages.
We're back at it here at the Your Mortgage Matters blog after a little bout with the flu, bronchitis and a sore throat for good measure. Now that that is over with its business as usual.
In ancient times, people used to spend fortunes buying charms and amulets to ward off bad luck and attract good.
Luck is pretty impersonal, but good luck definitely favors the prepared mind ... so why not apply the same principal to your finances ?
If there's one huge difference I see between successful people and everyone else it's this ... successful people take the time to prepare their minds by feeding their brains something good every once in a while.
How does that apply to my finances you ask ?
If you wonder why the Jones's next door always seem to be taking advantage of opportunities (winter holiday, stress-free living etc) then they probably did something you haven't. They fed their financial "brains" some good advice from a licensed mortgage broker and refinanced their mortgage at what some analyst are describing as the lowest rates in 65 years.
The Jones Family took the bull by the horns and said "No more waiting ... we are done with high interest rates and a river of cash flowing out the door every month. We want to be prepared if there is a layoff, illness or emergency."
They called their mortgage broker and got a free, no obligation review of their options and went ahead by consolidating all their debt into one payment at a fantastic rate. They still owe the same amount of money ... but they took a smart approach and lumped it all together under one single payment.
Their extra cash ? Topping up RSP and RESP were first on their minds ... then a week down south to refresh and relax. A return trip home and they're now plowing the extra cash savings into pre-payments on their mortgage and setting up a little savings account for 3-6 months of living expenses as an emergency fund. No more stress about whether the plant is going to cut a shift and what they'll be forced to do to pay all those bills. One payment, one bill, no stress.
Call us. We're here to help. A licensed, Ontario mortgage brokerage ... RMA-Spencer Group Mortgages.
We're back at it here at the Your Mortgage Matters blog after a little bout with the flu, bronchitis and a sore throat for good measure. Now that that is over with its business as usual.
Sunday, October 21, 2007
The birth of the Mortgage Matters blog
Well hello and welcome to the Mortgage Matters blog - I'm your host Marshall Spencer, AMP and this is my initial post! I'll be using my 24 years of mortgage industry experience to help you navigate the world of mortgages here in Ontario and try to provide some useful tips and links to other resources too.
To introduce myself a little more, the AMP after my name stands for "Accredited Mortgage Professional" which is a designation earned through the Canadian Association of Accredited Mortgage Professionals (CAAMP) formerly known as the Canadian Institute of Mortgage Brokers and Lenders (CIMBL). Only by succesfully completing both mandatory and approved elective continuing education courses, meeting a requirement for experience in the industry and following a professional code of conduct and ethics is a member of CAAMP is eligible to use the AMP designation. It is something all consumers should ask about when dealing with a mortgage professional whether buying or refinancing.
CAAMP is a national organization which works to link together mortgage professionals across Canada - there are also several international members too!
In addition to being a CAAMP member for many years, I am also a member of the Independant Mortgage Brokers Association of Ontario (IMBA), a provincial body with much the same mandate as CAAMP and serve on their seminar committee. IMBA has also recently introduced a professional designation Certified Professional Mortgage Broker (CPMB) and Certified Professional Mortgage Agent (CPMA). When I'm not busy arranging mortgages, servicing the clients or mortgage agents I work with or blogging about mortgages, I hope to satisfy the requirements of the CPMB. I am strongly committed to professionalism and continuing education to keep serving the industry to the best of my ability.
I'm excited to bring my knowledge and experience into cyberspace and onto your monitor. Let's get ready to demystify mortgages, explain product benefits and compare their differences and how to get debt free faster. Look forward to the next time - bye for now. Don't forget ... your mortgage matters.
Marshall Spencer, AMP
Vice-President, Business Development
Real Mortgage Associates Inc.
http://www.rmabroker.ca/
To introduce myself a little more, the AMP after my name stands for "Accredited Mortgage Professional" which is a designation earned through the Canadian Association of Accredited Mortgage Professionals (CAAMP) formerly known as the Canadian Institute of Mortgage Brokers and Lenders (CIMBL). Only by succesfully completing both mandatory and approved elective continuing education courses, meeting a requirement for experience in the industry and following a professional code of conduct and ethics is a member of CAAMP is eligible to use the AMP designation. It is something all consumers should ask about when dealing with a mortgage professional whether buying or refinancing.
CAAMP is a national organization which works to link together mortgage professionals across Canada - there are also several international members too!
In addition to being a CAAMP member for many years, I am also a member of the Independant Mortgage Brokers Association of Ontario (IMBA), a provincial body with much the same mandate as CAAMP and serve on their seminar committee. IMBA has also recently introduced a professional designation Certified Professional Mortgage Broker (CPMB) and Certified Professional Mortgage Agent (CPMA). When I'm not busy arranging mortgages, servicing the clients or mortgage agents I work with or blogging about mortgages, I hope to satisfy the requirements of the CPMB. I am strongly committed to professionalism and continuing education to keep serving the industry to the best of my ability.
I'm excited to bring my knowledge and experience into cyberspace and onto your monitor. Let's get ready to demystify mortgages, explain product benefits and compare their differences and how to get debt free faster. Look forward to the next time - bye for now. Don't forget ... your mortgage matters.
Marshall Spencer, AMP
Vice-President, Business Development
Real Mortgage Associates Inc.
http://www.rmabroker.ca/
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