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Are interest rates taking off without you?

Are interest rates taking off without you?

[vc_row][vc_column width=”1/1″] The image is of an actual flight leaving without me July 14, 2017. Despite being given 90min extra due to a delay…I missed it! A first in 25 years of solo travel. I also missed calling this rate hike accurately. It was...
2017 Spring Market Prediction & Warning

2017 Spring Market Prediction & Warning

Most Realtors I speak with on a day-to-day basis have buyers starting to stack up like cordwood, and a very limited supply of properties to show said buyers.   I have written posts for several years outlining why ‘there is no bubble’, and little has changed....
Has Mortgage Debt Shot Up?

Has Mortgage Debt Shot Up?

  WHAT ABOUT OUR DEBT LEVELS?   Amidst increasing media and water-cooler chatter of potential drops in real estate values of X%–Y%, let’s take a moment and review the systemic risk via mortgage debt numbers.   The first, and largest, piece of the puzzle...
No Bubble To See Here – Part 4 – The Amortization Effect

No Bubble To See Here – Part 4 – The Amortization Effect

[vc_row][vc_column width=”1/1″]The Amortization Effect   Each year from 2008 through 2010 the Federal Government reduced the maximum amortization as follows.   Purchases with less than 20% down –from 40–35 years, then 35- 30 and finally 30–25...
Interest Rates, Interest Rates, and…

Interest Rates, Interest Rates, and…

[vc_row][vc_column width=”1/1″]Market Update Dec -2015, November sales activity in the Vancouver market was 46% above the 10-year average… the trend continues. The metrics that indicate that Vancouver is now into the strongest seller’s market of the past...