Does Anybody Have Any Job Suggestions

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Mississauga Real Estate Agent | Marijan Koturic

Looking to buy, rent, or sell a home or a condo? Hello and a warm welcome from one of the Best Real Estate Agent in Mississauga. When buying, selling, or renting condos or homes nothing beats the expertise of a reliable broker. And nothing beats the convenience of living in the bustling GTA in Ontario, especially the beautiful, and booming Mississauga. When you combine the two, you rest assured of the best investment decision for you.

Team Marijan Koturic works out of the Best Real Estate Agents In Mississauga. Brokerage which locations in Mississauga. We are serving in different places like Brampton, Burlington, Hamilton, Cambridge, Erin, Fergus, Georgetown, Guelph, Milton, Orangeville, Shelburne, and Waterdown.

Marijan Koturic has been serving as a full-time realtor in Mississauga, Toronto, and surrounding areas since 2008. Marijan has been consistently a Top Realtor in Mississauga. Whether you are a Mississauga home or condo seller, a buyer, a newcomer, a first-time buyer, or an investor, Marijan offers the best terms and highest level of professional service. His SRES designation makes him uniquely qualified to buy & sell real estate for seniors.

Orion Realty Corporation Brokerage, agent Marijan Koturic has a lot of experience in residential real estate investing. We assess your land investment needs, pick the proper property sort of a single home, the custom or rebuild the home, condominium, or multi-family income-producing property in Mississauga, and other parts of the Greater Toronto Area. We put you in touch with the best real estate related service providers such as top bankers, lawyers, mortgage brokers, property managers, tax advisors, home renovators, home stagers, etc.

Like every Real estate agent, you can expect not only strict adherence to provincial laws from Team Marijan but also to the Code of Ethics which assures you of the highest level of service with honesty and integrity.

Mortgage Broker Seguin Texas

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Interstate highway 10

Amazing interest rate.

Atlas Credit – Seguin – 1413 N highway 123 byp, Seguin, Texas 78155 – rated 0 based on 2 reviews "Fast and friendly but most importantly PROFESSIONAL". Atlas Credit – Seguin. Loan service in Seguin, Texas.

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Delissa Crayton, 47, of Seguin, Texas, is facing up to 20 years in prison and a $10,000 fine after it was discovered that she and her daughter had been sharing her two bedroom apartment with her.

Seguin TX FHA Streamline refinance loans are aSPECIAL MORTGAGE product, reserved for homeowners with EXISTING FHA MORTGAGES. Seguin Texas located in South Central Texas along interstate highway 10, thirty minutes west of San Antonio, the tenth largest city in the United.

NAMB Members Can Gain Access to the New Platform Within an Hour WASHINGTON, Jan. 23, 2019 (GLOBE NEWSWIRE) — The National Association of Mortgage Brokers (NAMB) today announced the availability of.

Welcome to AKAL Mortgages. Mortgage Team with nearly two decades of mortgage industry experience under our belt. Your local Mississauga mortgage broker.

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The Planning/Codes and Engineering Departments have re-located to the new Development Services Building located at 108 E. Mountain Street in Seguin. The future of Seguin’s parks depends on YOU! YOUR input is needed now to develop our Parks Master Plan.

North Dallas Mortgage is a low cost Texas Residential Mortgage Lender offering Conventional, VA, FHA Connecting all of texas. Available when you need. We’re brokers. Created by Texans for Texans. We know the Texas economy and real estate market because we work here and.

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A Houston, Texas-based real estate broker has purchased the first Motto Mortgage franchise in the state, the RE/MAX Holdings, Inc. company recently announced. The franchise, purchased by Freddy.

ROCHESTER – A Buffalo mortgage broker pleaded guilty Friday and agreed to cooperate. The sale of properties in Texas led to a lawsuit in which Herbert Morgan asserts that his brother, Robert, did.

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Maria Capone second to none. Maria is a top notch Mortgage Consultant with years of experience and knowledge of all the tricks of the trade. Mississauga's best broker for residential or commercial lending. [email protected] MONEY Recommended. https://twitter.com/CaponeMortgage/status/1123056365604225024 …

Maria Capone second to none. Maria is a top notch Mortgage Consultant with years of experience and knowledge of all the tricks of the trade. Mississauga's best broker for residential or commercial lending. [email protected] MONEY Recommended. https://twitter.com/CaponeMortgage/status/1123056365604225024 …

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Canada vs. America Since The 2008 Recession

TorontoRealtyBlog

As you know, I don’t promote “Guest Blogs” here on TRB, but from time to time, I’ll ask my mortgage broker to pen something.  Occasionally I’ll re-publish well-written journal articles.  And a couple times in the past, I have used blogs from a website called Point2Homes.

The following article was sent to me a few weeks ago, but I didn’t do anything with it.

You’d be shocked at what I get in my inbox.  While I recognize that much of it represents drip-campaigns or automated contacts, when combined with the actual people, and marketing/advertising/public-relations companies, I get about 20 soliciations per week to post on TRB.

I also get about 10-15 contacts for advertising on TRB, which I find odd, since I’ve never put advertising on my site.  Why would somebody even ask?  I turned down a five-figure fee from a well-known developer a couple years ago.  They wanted to advertise pre-construction condos on TRB.  Had they ever actually visited my blog?

In any event, I certainly hope my publishing this today doesn’t feed that fire, but I really feel like based on the conversation we had on Monday, about the average home price in Toronto, market cycles, and the continued price apprecation since the short “correction” back in 2008, this article is really, really timely.

It also contains several statistics that we might spend a good amount of time researching on our own, so at the very least, I figured it would give both the bears and bulls among the commenters some more fuel for their respective arguments.

So have a read, I welcome your thoughts.

    Buying a home or finding a rental you can afford is becoming more of a challenge both in Canada and the U.S. Compared to ten years ago, securing shelter is increasingly more financially burdening north and south of the border.

But are housing costs more overwhelming in Canada or in America? After both countries experienced their own share of economic troubles, where are their housing markets heading now and what does that mean for the average American and the average Canadian looking for a home?

To compare the evolution of the two housing markets and to assess their current status, our analysts extracted historical data on market trends and examined numbers from 2008 and 2018. They looked at key metrics including average home price, rent, homeownership rates, changes in the countries’ median incomes, and the countries’ evolution on the affordability scale for a side-by-side comparison.

Here are the main findings:

The average Canadian has to dish out a whopping 56% more to buy a home, or 25% more to rent one compared to ten years ago, but the median wage in Canada only went up 15%.

The average home price in the U.S. increased at a much slower rate (24%), while the median income went up by 18%.

Since 2008, the Canadian dollar lost approximately 25% of its power compared to the American dollar, going from almost perfect parity to a much lower exchange rate.

The affordability crisis worsened in Canada, where the housing market went from “seriously unaffordable” to “severely unaffordable”, but the American housing market remained in the “seriously unaffordable” category.

  Eight years into the new millennium, the U.S. marched head first into one of the worst economic crises in its history following the bursting of the housing bubble. Canada’s real estate bubble hasn’t yet popped and the country has not yet seen a major decline in home prices, but the Canadian economy experienced its own share of turbulence following the oil price crash from 2014 and the burst of China’s speculative bubble.

And now, 10 years after the housing crisis that destabilized the U.S., some analysts claim that Canada faces a similar scenario if it stays the course: household debt currently exceeds 100% of GDP, according to data released by the Bank for International Settlements, the average home price went up 56% in ten years, while the median wage per household only increased 15% during the same period, and loose lending is on the rise.

In the past six years, the Canadian dollar has lost 25% of its power compared to the American dollar, going from almost perfect parity to a much lower exchange rate. Therefore, in this study, the median wages, the average home prices, and average rents in both countries are expressed in the respective country’s currency, to avoid distortions and inaccuracies in percentage changes.

    Research on homeownership reveals the extensive economic, social, and psychological benefits associated with owning a home. And although it is the Americans who consider homeownership an integral part of the American Dream, Canadians have equally strong aspirations of homeowners, as well as higher ownership rates.

In the U.S., homeownership rates reached a peak towards the end of 2004, when the percentage of homeowners settled at 69.2%, only to start decreasing in 2007. By 2015, the share of homeowners in the U.S. fell to 62.9%, a level that hasn’t been seen since 1965, when data gathering was just starting. After three years of recovery, the share of homeowners in the U.S. is currently pegged at 64.2%.

In Canada, homeownership rates rose at a steady pace for more than four decades, hitting an all-time high of 69% in 2011, but that percentage went down to 67.8% following the economic downturn from 2014. This is the first time the share of homeowners declined in Canada in almost half a century.

    And with average home prices rising at an alarming pace north of the border, it is no wonder the average Canadian can no longer easily commit to a mortgage. Due to a staggering 56% jump since 2008, Canada’s average home price went from $304,663 CAD to $475,591 CAD in just ten years.

The U.S. market’s increases have been more contained: after a 24% increase, the average home price went from $245,200 USD in 2008 to $303,200 USD in 2018.

    The alternative to homeownership, renting has been on the rise in both Canada and the U.S. in the past decade. And so has the average rent in both countries. In Canada, the average amount went up 25% in ten years, and the U.S. had a similar trajectory, posting a 23% increase since 2008. However, all cities are not created equal.

According to RENTCafé.com, average rents in New York and San Francisco are way ahead of all the other American urban centres: in Manhattan, renters pay $4,119 USD, and even in Brooklyn, they face average rents of $2,801 USD. Four other cities post average rents above $3,000 USD: San Francisco, CA ($3,590 USD), Boston, MA ($3,379 USD), San Mateo, CA ($3,234 USD), and Cambridge, MA ($3,112 USD).

In Canada, it is Vancouver and especially Toronto that boast the highest rents, but they are well below the highest rental rates in the U.S. – in both cities, the average rent hovers around $2,000 CAD. And Vancouver doesn’t show any signs of slowing down: the provincial government agreed to a 4.5% maximum allowable rent increase for 2019, which is the largest rent increase since 2004 when the ceiling was set at 4.6%.

    Although incomes also rose in Canada over the past decade, they were easily outpaced by growth in home prices. The average Canadian is currently looking at home prices 56% higher but has an income only 15% larger.

Compare that to the situation in the U.S., where the median income per household increased by 18%, while home prices went up by 24%.

So while it’s true that average home prices and rents are increasing faster than wages in both countries, Canadians are at a clear disadvantage.

    Closely linked to the median wage issue, housing affordability has a major impact on standard of living. And looking at the evolution of the Median Multiple – the median house price divided by the median household income – in the U.S. and Canada’s largest cities, it is the Canadians’ standard of living that is hit the hardest.

While in 2008 the national unaffordability ratio in Canada was pegged at 4.9, which placed the country in the “seriously unaffordable” category, in 2018 it climbed to 6.7, which is far into the “severely unaffordable” end of the spectrum. As RBC‘s latest report also points out, “Canadian housing affordability is now at its worst level since 1990.”

The U.S., on the other hand, remained in the “seriously unaffordable” category, going from a ratio of 4.7 in 2008 to 4.9 in 2018.

According to a previous Point2 Homes study, housing affordability varies wildly in Canada and the U.S., from province to province and state to state, but it’s mostly individual markets in both countries that are pushing these rates higher and higher.

So what are the main markets that are making such an impact on national affordability, forcing owners with a mortgage and renters to spend more and more of their income just to cover housing costs? Vancouver, BC comes first, with a staggering 17.3 on the affordability scale, followed by Manhattan, NY with 15.6. San Francisco, Los Angeles, and Boston all scored 10 and above; Canada doesn’t have any other markets in the top 10, although the Toronto and Mississauga housing markets come in at No. 13 and 14.

Given the significant discrepancy between the evolution of home prices and wages, Canadians might be headed for a rough ride. There are many other factors, including an increase in subprime lending, that suggest the Canadian housing market may be following the same path Americans did a few years back.

Currently, there is a healthy debate between bullish market analysts, who claim that all is well in Canadian residential real estate, and the bearish prognosticators, who see a storm on the horizon. The optimists point to a solid 2% increase in GDP for 2018 and increased sales activity after a fairly soft spring market. Some bulls also say that the rising popularity of condominiums and other multi-family dwellings in Canada, especially by immigrant buyers, will act as a cushion for the tight housing market.

However, the pessimists emphasize five important factors suggesting that Canadian home prices probably face a decline in the years ahead: high housing price-to-income ratios, rising interest rates, 5-year balloon payments and adjustable rate mortgages, suppressed economic activity in the U.S., China, and Canada due to tariffs, and sky-high valuations in some of Canada’s most expensive urban centers.

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How Mortgage Brokers help you get the Lowest Mortgage Rates in Mississauga?

The last quarter of 2016 changed the whole residential mortgage business. The new mortgage rules announced by Canadian Department of Finance have put the borrowers in a fix. Change in lending and borrowing rules have complicated the residential mortgage scenario for homeowners.

The new rules tend to stress test the borrowing capacity of a buyer. All this comes down to the down payment. Things seem smooth for conventional borrowers but high-ratio borrowers have an additional liability towards paying for lender insurance. The qualifying rate for insured high-ratio borrowers is as high as 4-5%. This has caused a big setback to homeowners’ buying power. Some borrowers who initially qualified for a mortgage, don’t even come close according to the new set of rules.

Also, an increase in the low-ratio insurance premiums has complicated the situation a bit more. That means the mortgage rates go even higher. Collectively, borrowing power has fallen as few are able to qualify for the mortgage. On the other hand, interest rates have gone up. Tricky situation eh?

That’s where mortgage brokers make an entrée. If it’s a mortgage firm like Mortgage Division, that ensures best and lowest mortgage rates, it’s the cherry on top.

If you feel that your home buying dreams have taken a back seat, there’s never been a better time to consult a professional mortgage broker. A mortgage broker has an access to a large number of resources. They have an access to banks and credible lending institutions that eases out this tedious process of borrowing.

Why you need a mortgage broker when you can do the work yourself? Well. Let’s face it. Government changes mortgage rules every now and then. It’s difficult to keep up with the new rules and regulations. Assuming that your hands are already full with your job and family, not being in touch with changing norms can cost you dearly.

A professional mortgage broker is always up-to-date regarding latest mortgage rules and will keep you posted on how you should go about your mortgage. Plus, they’ll hand pick the best lending institution, banking or non-banking, according to your borrowing power. They’ll also save you from any hidden cost or clause that you might never notice.

So are you seeking a mortgage to buy your dream home? Get the best and lowest mortgage rates at Mortgage Division. Guaranteed.