Slide 1

Free Professional Advice

Why choose Micah? Because I provide valuable professional advice and it’s FREE!

Why pay more than needed? Get my rate specials. Let me negotiate the best rate for you and save money.

Slide 2

Best Rates

Let me shop the major banks and top lenders for you.

Let me negotiate the best rate. Remember I work for you, not the banks.

Slide 3

Get Approved

My approval rating is high.

With my portfolio of lenders, I can find you a program that works for you.

Slide 3

Savings

Lower rates equals thousands in savings.

Why pay more than needed? Get my rate specials. Let me negotiate the best rate for you and save money.

Slide 3

Availability

When the banks are closed, I am not.

I work for you and I am at your service 7 days a week.

Blog by Micah Verceles

CMHC cuts 2014 housing starts forecast, signalling slowing market

November 9th, 2013

TORONTO — Canada’s federal housing agency has bumped up its forecast for housing starts in 2013 but trimmed its forecast for 2014, setting an essentially flat outlook for a once-roaring market.
The Canada Mortgage and Housing Corp said on Thursday housing starts will be in a range of 179,300 to 190,600 units in 2013, with a point forecast, or most likely outcome, of 185,000. That is up f ...

Why no rate hike means variable mortgages are safe again

November 7th, 2013
A signal from the Bank of Canada that it’s not raising its key lending rate any time soon, coupled with the likelihood of falling mortgage rates, could be enough to keep the latest housing rally going.
 
There have been signs the housing market is in recovery mode with year-over-year sales rising in many markets, albeit generally below 10-year averages. Analysts have called it a short-t ...

The Real Estate Board of Greater Vancouver - October 2013 Statistics

November 6th, 2013
VANCOUVER, B.C. – November 4, 2013 – Home buyer and seller activity continues to mirror 
historical averages in the Greater Vancouver housing market. These trends have helped keep the 
region in a balanced state for the last nine months. 
 
The Real Estate Board of Greater Vancouver reports that residential property sales in Greater 
Vancouver reached 2,661 on the Multiple Listing Servic ...

Are you "House Poor"?

November 4th, 2013
About a quarter of Canadians spend too much on housing costs, Statistics Canada says. But how can you tell if you’re house poor, aside from the fact that your bank account is hemorrhaging funds? To answer that question, dig deep, and we’re talking in your soul, not your piggy bank.
 
“Your first sign is that you’re beginning to resent your house,” says Certified Financial Planner Scott ...

Low-rate pledge revives fears of hard reckoning for Canada’s housing market

November 2nd, 2013

TORONTO — The Bank of Canada’s surprising signal last week that it will not raise interest rates any time soon will lift the housing market and give indebted households breathing room, but it leaves many apprehensive there will be a hard reckoning.
 
Canada sidestepped the worst of the financial crisis because it avoided the real estate excesses of its U.S. neighbour, and a post-recessi ...

Flaherty won’t intervene in housing market but keeping close tabs

November 1st, 2013

Finance Minister Jim Flaherty says he has no intention of interfering in the housing market “at the time being” but plans to meet with developers to learn more about what could be driving the sector’s recent steam

 
Following a meeting in Ottawa with private sector economists, Mr. Flaherty said he was urged to take a closer look at the sector.
 
With commitments to near zero interest ra ...