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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.

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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.

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Get Approved

My approval rating is high.

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

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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.

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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

Banks Show Restraint on Mortgage Rates

March 4th, 2014
This year, there is little evidence of a battle for market share among mortgage lenders. (Tim Fraser For The Globe and Mail)

A year after being admonished for cutting mortgage rates too aggressively, banks are demonstrating a new, self-imposed restraint.

In March, 2013, Bank of Montreal dropped its five-year mortgage rate to 2.99 per cent, spurring Manulife Bank to follow suit as the all-important spring housing season kicked off.

Read the full article HERE

Second Mortgage Insurer Follows Suit and Raises Premiums

March 3rd, 2014

One major mortgage insurer wasted no time announcing its own premium changes, following CMHC’s major statement Friday.

"We believe this new pricing is prudent and more reflective of increased regulatory capital requirements," Brian Hurley, chairman and CEO of Genworth Canada said in an official release. "These pricing actions are supportive of the long-term safety and stability of the Canadi ...