Michelle Coates - Verico IMortgage Solutions

Fridays in the summer be like... endless sunshine, ice-cold drinks, and good vibes all around! ☀️

Who's ready to kick off the weekend in style? Share your summer Friday plans below!

As your mortgage broker, my promise to you is simple:

I will be honest, transparent, and supportive throughout your home financing journey.

Your goals and needs will always come first, guiding every decision and recommendation I make.

Let's work together to turn your homeownership dreams into reality 📲

Happy Canada Day! 🇨🇦 I hope you have a great day celebrating with friends and family.

How are you celebrating today?

Is your mortgage renewal coming up this summer? Before you sign on the dotted line, let's chat to ensure you're getting the best rate possible!

It's important to review your options. Whether it's rate, talking about loan terms, or explore refinancing options, I'm here to help you navigate the process and find the best solution for your financial needs.

Ready to get started? Reach out to schedule a consultation today!

We all have that one thing in our home we couldn't resist splurging on!

Whether it's a luxurious piece of furniture, state-of-the-art kitchen appliances, or a cozy home theater setup, sometimes treating yourself to something special can elevate your home and bring you joy every day.

What's your ultimate home splurge? 👀 Share with us in the comments below!

Celebrating all the amazing dads out there this Father's Day!

🎉 Whether you're a superhero dad, a mentor, a coach, or simply a source of love and guidance, today is for you.

Cheers to the weekend!

As a mortgage broker, Fridays are all about getting the financing done so you can enjoy the weekend worry-free!

Share something enjoyable you're looking forward to this weekend! 👇

Incoming summer maintenance tips! Here are my top 3 areas to focus on for your home this season:

☀️ Air Conditioning System: Clean or replace filters, check for any leaks or malfunctions, and consider scheduling a professional tune-up to optimize performance and energy efficiency.

☀ Outdoor Spaces: Get your outdoor spaces summer-ready by cleaning and inspecting your deck or patio, checking for any damage or safety hazards. Trim back overgrown vegetation, clean outdoor furniture, and spruce up landscaping to create a welcoming outdoor oasis for relaxing and entertaining.

☀️ Gutters and Downspouts: Clear debris from gutters and downspouts to prevent clogs and water damage during summer storms. Inspect for any damage or leaks and make repairs as needed. Properly functioning gutters will direct water away from your home's foundation and prevent costly water damage.

Get your maintenance done now and enjoy your relaxing summer!

Thinking about shopping for a home this summer?

I'd love to chat!

Whether you're a first-time buyer, upgrading to your dream home, or exploring investment opportunities, let's connect and discuss your real estate goals.

Drop me a message

'sChat

Not the best idea!! Reach out to me to set you set up for success before you're out shopping for that new home.

What’s the biggest factor in getting pre-approved quickly for your mortgage?

How fast you can organize your financial documents!

Here’s a quick list you can save ahead of starting your mortgage pre-approval process:

✅ Proof of employment including a recent pay stub
✅ Notices of assessment from the Canada Revenue
✅ Bank statements that show your proof of downpayment
✅ Details about other assets you might own, such as a car, cabin or boat
✅ Information about your debts or financial obligations including car payments, credit card payments, student loans etc.

The faster you can assemble your financial package, the sooner I can get your pre-approved!

Not sure exactly what you need? Connect with me to get a detailed list based on your specific circumstances.

Happy Valentines Day

How early should you start thinking about your next renewal?

If you have a renewal coming up in 2024, let’s connect sooner than later to get you prepared!

What does a mortgage broker do all day?

Depending on who you ask you might get a very different answer!

What I aim to do every day is find ways to save my clients money and get them into mortgages that make sense for their unique financial situations.

You might see me as a magician, a stats nerd, or an excel ninja.

In truth it’s a little bit of all of them!

I often get asked, “Can I just go to the bank myself?”

The short answer is, yes you can.

But, the longer option is that it’s going to take you a lot longer AND it’s likely going to end up costing you more.

Think of a mortgage broker like your personal shopper. My job is to go to ALL of the available financial institutions to get you the best mortgage on the market for your particular loan.

The best part is - my services don’t cost you a dime.

Let’s get you out shopping for your best possible mortgage in 2024!

Let’s dive into what really matters in February.

Are you team:

⛷️ skiing
🏂 snowboarding
☕ staying inside and avoiding the snow?

There’s no better feeling than getting our clients to closing day!

It’s always a whirlwind getting everything done, stamped and ready to go just in time for closing.

What’s the best part about your job?

Anyone else ready for winter to be over?

At least February is a shorter month than January!

How do you copy with the looooong winters here?

Maybe it was when you were sick of the paint colours (and your landlord said you couldn’t paint).

Or waiting on the washing machines to be free in the shared laundry room.

Or you just needed a bit more space and a proper storage room.

What tipped you over the edge from renting to buying?

Looking for something fun to do with your friends.

Come check out GALentine's Day at The Gym - Boxing Strength Fitness Spruce Grove

🥊💃 Calling all ladies! Join us for a special Galentine's Day female boxing class on February 14th at 5pm. 🥊💃

💥 This empowering class is perfect for all fitness levels and will leave you feeling strong and confident. 💪

🆓 Pre-registration is required, and we're offering a FREE trial 💥🥊Don't miss out on this opportunity to try something new and connect with other amazing women! 💃🥊

📆 Sign up now on our website: www.thegymsprucegrove.com. Limited spots available, so claim yours today! 💕🥊

Brought to you by Alexas Kubicki & Bobbi Bourbeau

What’s your approach to dealing with the snow?

⛷️ Get out and embrace it?
☕ Stay inside and stay cozy?

Share your favourite below!

What does your dream home look like?

1️⃣ A four-bedroom home in a quiet cul-de-sac with a custom kitchen, perfect for hosting and entertaining. The backyard has a firepit for quiet nights spent cozy by the fire.

2️⃣ A top-level penthouse with a view of the city! You’ve got a wrap around patio with a deck for hosting late night parties.

3️⃣ A quiet cabin close to the water. You don’t have many close neighbours. Most days are spent fishing or reading down at the dock.

What’s your vote for 1,2, or 3? Or share your dream home vision below 👇

Do you *really* need to use a mortgage broker?

Technically no.

But it’s likely going to cost you more money, AND you’re going to spend more time gathering all the info.

Here are 3 reasons why you should always use a mortgage broker for buying a property:

1️⃣ Access to Multiple Lenders: This is the big one! As a broker, we have access to a whole network of lenders, including both traditional banks and other sources. This ensures that you can get a mortgage at the best possible rate for your unique situation.

2️⃣Expert Guidance & Personalized Service: Navigating the mortgage maze can be daunting. A broker acts as your personal guide, offering expert advice tailored to your unique financial situation. From credit concerns to down payment strategies, I’ve got your back.

3️⃣ Time and Money Savings: Most importantly we take care of all the paperwork and streamline the process, saving you time and money. We will negotiate on your behalf, aiming for favorable terms while you focus on envisioning life in your new home.

Ready to make your home-buying journey a breeze? Partner with me, you're friendly mortgage broker!

Is saving for your first (or next) home on your 2024 vision board?

If you’re looking to up your savings, these are the top 5 most overlooked areas when it comes to spending:

1️⃣ Subscriptions! Everything from Netflix to Spotify runs on a subscription these days. Are there any you’re not using (or maybe you could split with a friend?)

2️⃣ Dining out. Going out for dinner has gone up a lot these past few years. This may be an area you have to look closer at this year.

3️⃣ Credit card interest. This is the best time of year to make a plan to pay off your credit card or work with the bank or a lender to consolidate debt if needed.

4️⃣ Impulse shopping. Hopefully you got a few new goodies over the holidays and can curb the shopping for the first part of 2024.

5️⃣ Cell phone bills. It never hurts to shop around and see if you can get a better deal with another provider.

What’s your hardest area to cut back spending on?

Are you still in holiday mode or do you have all the decor packed away?

As much as I love the holidays, I’m looking forward to packing it up for next year.
Is your tree still up, or will you take it down this weekend?

Turning dreams into addresses! 🏡

Ready to make 2024 the year you become a homeowner? Here are 4 key steps to prepare for your first home purchase:

1️⃣ Boost Your Credit Score: Strengthen your financial foundation by improving your credit score. A higher score can unlock better mortgage rates, saving you money in the long run.

2️⃣ Save Strategically: Start building your down payment fund. Cut unnecessary expenses, set a budget, and explore ways to increase your savings. A solid down payment opens doors to more favorable loan options.

3️⃣ Get Pre-Approved: Gain a competitive edge in the market by getting pre-approved for a mortgage. (This is where I can come in to assist!) It not only helps you understand your budget but also signals to sellers that you're a serious and qualified buyer.

4️⃣ Research the Market: Knowledge is power! Stay informed about the real estate market trends, interest rates, and local neighborhoods. Knowing the market will empower you to make informed decisions and find the perfect home.

Let's make your homeownership dreams a reality in 2024! 🏡

Help me help you!

I love sharing all things mortgage and real estate related, but most of all, I love sharing content that helps you!

What kind of content are you hoping to see from me this New Year? Money saving tips? Homeowner tips? How to buy your first home or first rental property?

Let me know in the comments!