Happy Birthday to Emma

Happy 4th Birthday to my dearest Emma.

We have a birthday party planned for her this weekend and she is so excited.

Her teacher told me that she invited all her classmeates to come, even though I told her that we cannot possibly invite all 40 kids to come at once....

We sang 'Happy Birthday' to her last night and she wished that 'she can see the Princesses again...' I didn't have to heart to tell her her parents are 'Disney out' and will not be going to see the princesses for quite sometime.

The real estate market continues to be busy. Houses are going fast, I am hearing more and more that clients are being 'outbid' by competing offers.

http://www.vancouversun.com/business/Metro+Vancouver+resale+price+indicates+sellers+market/4172028/story.html

Please contact me today to find out how much of a mortgage amount you can qualify for.

Have a great weekend, and enjoy this very last day of warm weather.

CREB Breakfast Forecast 2011 & OMNI News interview

I had a busy week last week.

I attended the CREB Breakfast Forecast Conference today, it was very informative. Mr. Sano Stante is the new President and I know he will do well. He is a great listener and excellent leader.

http://www.cbc.ca/canada/calgary/story/2011/01/18/calgary-realestate-forecast.html#ixzz1BQWWFd42

I was also privileged to be interviewed by OMNI Chinese news on the upcoming changes to the mortgage rules. The interview was on Jan. 18th. If you understand Cantonese, check out the attached link to the Jan 18th news, abouth 4 minutes into the news.

http://www.omniab.ca/news/?language=5

Tighten Mortgage Rules effective March 18, 2011

We had a fun-filled weekend.

We enjoyed a night out at Stage West Theatre. It's a must-see. They are currently featuring 'Motown Gold: A Musical Revue'. It was great food and excellent entertainment.
http://www.stagewestcalgary.com/

We then bought last minute ticket for Calgary Philharmonic Orchestra to see 'Wizard of Oz in Concert'. It was so good. We watched the movie as the CPO provided the live soundtrack . I even saw a little girl dressed up as Dorothy with the shiny red shoes.
http://www.cpo-live.com/main/index.php

We ended the weekend on Sunday stopping at the Home Expo Show at the Stampede Grounds. I was sad that I missed Tommy Symth's presentations. But it was an event full of great information.

Finance Minister, Jim Flaherty announced yet ANOTHER change to the mortgage lending rules. Here's the summary of the changes:

. Max 30 year amortization on insured mortgages (ie. less than 20% downpayment)

. Max 85% limit on any insured refinance mortgage

. eliminate government insurance on secured Line of Credit

The change will take affect on March 18, 2011.

http://www.financialpost.com/personal-finance/Flaherty+tightens+mortgage+rules/4119505/story.html#ixzz1BIhkDuhh

This will affect a lot of buyers.

If you are thinking of buying a home, you need to ACT NOW before the rule kicks in.

"The lower amortization limit, for example, reduces the purchasing power by roughly $25,000 for well-qualified homeowners with no debt, a 4% mortgage, and $60,000 in income."

Please contact me today and find out what is the maximum amount you can qualify for!
I am available 7 days a week to discuss your mortgage needs.

Have a great week ahead.

Most affordable cities for homes

TGIF! It's Friday already and I look forward to the weekend to do 'NOTHING'!

During my university days, I did not understand why people go home at 11 pm and enjoy sitting in front of the TV. I always had to be out and about doing something. Now, I totally appreciate the time of staying home and be a 'coach potatoe'. It's something that I don't get to do often. I enjoy coming home early at night so the kids can go to bed early and so we can enjoy some 'quiet time'.

Now, if the weather warms up for the weekend, that's even better!

I have attached this article that I think you will find interesting.

http://money.ca.msn.com/banking/mortgages/gallery.aspx?cp-documentid=27221268

Have a good weekend.

Happy New Year

Happy New Year!
It's hard to believe that it's 2011!
I know this will be a great year!

My family and I took a long 3 week vacation and it was a lot of fun!
We celebrated Christmas on board the Royal Caribbean’s 'Allure of the Seas'. It's the biggest cruise ship currently in service with a capacity of 6200 passengers. The turkey dinner on Christmas Eve was great and we were excited to enjoy a visit with Santa on Christmas morning.


We then spent 9 days in Disney World and rang in the new year at the Magic Kingdom. It was packed with people but it was well worth it. The fireworks were amazing, and I still cannot believe we stayed out for the countdown with the 2 kids (sleeping in the strollers of course!)

Our thoughts have also been with our close friend Connie and her family. While were away, we received the bad news of her husband's sudden passing at the age of 51. I could not stopped thinking about them during the entire trip. I know that they will find the strength and courage needed to get through this difficult time.

The real estate market is looking optismistic for the year ahead.

http://ca.finance.yahoo.com/news/Cdn-market-set-stronger-capress-507519681.html;_ylt=AvvnyogsoyR3ta2XZA0Wlxvg2ppG;_ylu=X3oDMTFkYnJrZ2s1BHBvcwMyBHNlYwNuZXdzSHViQXJ0aWNsZUxpc3QEc2xrA2Nkbm1hcmtldHNldA--?x=0

Time to beat the rush while interest rate is still low!