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Dear ,
As we end the year of our greatest volume production ever, we
noticed a couple of things; more and more business came from referrals from you
but almost equally as many came via web inquiries thanks to our high rankings
on search engine sites like Google and Yahoo.
Of course the referrals sent by
you, our loyal, incredible clients, were fully qualified and ready to do
business with a complete understanding of how we worked whereas the web inquiries
were merely shopping from broker to broker and bank to bank looking for the best
rate.
Our clients understand that while rate is important, it's
not the only thing. Our clients also want an expert in the field who makes it their
business to know every mortgage product inside and out and to find the best financing
suitable to your needs.
A web lead or somebody who found us while
reading about us in the newspaper may not think the same way. Any bank representative
can sell a rate, but showing how one product could have greater interest savings
and flexibility for your needs than a competing product, takes an expert. That's where
we come in! We know you appreciate our service since you've experienced
it first hand -- and because it cost you nothing, you also know we're the best deal in town!
When you refer your co-workers, friends
and family to us, they have already been pre-qualified because they know what to expect. We won't let you down! You drive our business and
we are forever grateful. It's because of you that we have become the top 1%
of all consultants at a company of over 600 brokers nationally. Thank you!
Happy Holidays to you and yours and make it a safe and prosperous
2010!
Sincerely,
Mike Averbach and Justin Blacklock
CLICK HERE to See Current Rates
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When Will the Bubble BURST?
OK, OK, it's all ANYONE is talking about right now. "The
Bubble!"
Is it going to burst? How is this even possible?
The US is still
suffering at 30% reduction in home values and we are seeing double-digit gains
in many areas of the Vancouver Lower Mainland, even as high as 39% (Port Moody)
compared to last November!? Numbers are up significantly across Canada. We can't
expect this to continue, right? We still have the Olympics to look forward to here
where we will be under the spotlight of the world stage. Surely that will keep
the momentum going?
Well, not quite!
There are too many factors pointing to an impending
bubble burst and it's important not to become too optimistic
that the worst is over.
Most of the data coming out now is that we are taking
on far too much household debt. It seems we haven't learned well enough
from our friends to the south. So forgive us for playing the devil's
advocate here but it's your money we're talking about and we want
you to be responsible with it so that you are not having to come to us
later, needing to refinance when you've incurred too much debt.
As sure
as death and taxes and most definitely another Tiger Woods mistress coming
forward, rates will rise. We want you to be prepared. Please go to our blog
page for more information on good debt versus bad and how to manage your credit
wisely this holiday season and going forward.
And, as always -- please give us a call if you need any of your mortgage questions answered.
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2009 Summit Awards
This year we were once again recipients of The Mortgage Group's Summit Award. Here we are being acknowledged as one of the top producing brokers in the company.
In the photo above you can see us with the owners of The Mortgage Group -- Grant (left) and Debbie Thomas
(right). That's us in the middle -- Justin on the left and me on
the right.
It's not that often that you come across somebody that
cares so much to make sure you know everything about your mortgage inside and out,
backwards and forwards. Someone who makes room in their busy schedule because
it's never too early in the morning or too late at night.
I'm
talking about my incredible business partner, Justin Blacklock. More often than
not, Justin is here before the sun (OK, "daybreak" - I know,
we live in Vancouver!) comes up, until past ten at night. You'll find him working on your files, and taking your calls and questions via email.
I've
never personally come across anyone who takes more pride in educating, pointing
out the fine print and comparing apples to apples (and sometimes oranges).
Justin is the engine that makes this team go. He is one of the reasons we get the Summit Award year after year! Without JB, there is no
Averbach Mortgages. Thank you Justin, for making it work. We are all better for
knowing you!
Mike Averbach |
December Market Update
Every month we get a market update from
our friends at Macdonald Realty; Simon Clayton, Kristie Marsden, Jason
Low, Sandra Ens, Jason Feinstadt and Jenny Stephanson.
In December's update it looks like this winter's market may shape up to be unusually high, if trends continue.
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Averbach Mortgages
604-736-1855
We save you time. We save you money. We get you the you the best mortgage terms at the best interest rates possible.
If you are:
- purchasing your first home
- refinancing
- renewing an existing mortgage
- investing in real estate
- consolidating your debts
- experiencing current or past credit issues
We have the solutions that work for you.
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Mike Averbach
Averbach Mortgages |
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