Angela Kroemer Mortgage Professional

Angela Kroemer Mortgage Professional
1.250.650.4182
Showing posts with label AMP. Show all posts
Showing posts with label AMP. Show all posts

Sunday, December 16, 2012

New Year's Resolution -Toastmasters May Be One

 
 
The Definition of a New Years Resolution is : A New Year's resolution is a commitment that a person makes to one or more personal goals, projects, or the reforming of a habit. A key element to a New Year's Resolution that sets it apart from other resolutions is that it is made in anticipation of the New Year and new beginnings. People committing themselves to a New Year's resolution generally plan to do so for the whole following year. This lifestyle change is generally interpreted as advantageous.

Last year I made a new years resolution to join Toastmasters. It took me until March to fulfill that resolution. Every week that went by, I had some excuse, In the Comox Valley where I live we have 3 different clubs- meeting different days, so it wasn't the lack of choice of the day that stopped me it was the fear of getting into the unknown. The big fear of speaking in front of strangers.

That first Wednesday in March, I took those fears, stifled them and headed to the Toastmasters meeting. I knew no one but I knew I wanted to become a better speaker.

I was warmly welcomed by the club, everyone introduced themselves and a member took me under their wing, introduced me to the club and sat beside me explaining what was happening as the meeting progressed. I did not feel confident enough to speak that evening and that was okay. Their is no harsh push for you to speak. It is a go at your own pace type of club.

The next week, I had a no excuse for not going. Let me tell you, I was looking for any excuse but could not. The club was warm and inviting, so I went.
In Toastmasters there is Table Topics, which is a time to practise speaking for up to 2 minutes without preparation. Thinking on your feet they say. You are asked a question usually to go with the theme of the evening and you answer the question to the best of your ability. The first night I went 26 seconds and that was fine. But, also that night I saw how much I needed the expertise of this club and their members to help guide me to become a better speaker.

I joined that night and I have never looked back.

There is a small fee when joining to pay for your books and rental of the room you meet in. The club I belong to is is less than $100.00 every 6 months. A bargain for sure.

What have I accomplished in 9 months at Toastmasters?
- Table topics for 2 minutes no problem
- Preparing and organizing a speech for 5-7 mins
- Preparing and organizing a educational speech for 8-10 minutes
- Prepared speech for 5-7 minutes without the use of notes (you can use notes for as long as you want)
- a confidence in speaking
- confidence in life itself
- new friends
- Leadership skills
Not bad for 9 months

Anyone and everyone can benefit from Toastmasters. Toastmasters is international. It is hard not to find a club in your area. Maybe this year is your year to join.

http://www.toastmasters.org This link will take to their introductory page as well as a club finder


Got questions about Toastmasters-- send me an email.

akroemer@mortgagegroup.com


So, What will be your New Years Resolution?


Tuesday, September 18, 2012

#1 Tip for Consumers Looking to Get a Mortgage

Work with an AMP. 
Accredited Mortgage Professionals
 CAAMP (Canadian Association of Accredited Mortgage Professionals)  requires that all members with the AMP designation receive ongoing education on industry best practices, government rules and changes, and etc. to help you navigate the mortgage process with integrity, responsibility and ease.

 
How do I know if my mortgage person is an AMP?
 
Usually they have AMP beside their name.
You can ask them.
You can go on CAAMP's website and search their name.
 
 
By clicking on the link above you will find my name, my phone number and my website.
 
Above my name you will find a header search by person, then type the person's name and scroll to AMP.
 
Similarly,  you can find out if  your mortgage person is a member of CAAMP, or if they are a AMP Residential Specialist or an AMP Commercial Specialist.
 
CAAMP also has a wealth of information for you, the mortgage consumer.
 
 
 
Angela Kroemer, AMP
Mortgage Professional
TMG The Mortgage Group Canada Inc.
TMG Sharie Marie Mortgage Team
Local: 1.250.650.4182
TFP: 1.888.679.0190
Fax: 1.888.679.0192
Facebook Pages
 
 
 

Friday, October 21, 2011

Why Have Mortgage Brokers If We Have Banks?

The questions below are the questions I get asked most frequently about being a mortgage broker. 

Why have mortgage brokers if we have banks?
Don't the banks do a great job on mortgages?
What is the difference between a bank and a mortgage broker?
I have always had my mortgage at a bank what can you do for me that is different?

Mortgage Brokers have been available to clients for over 30 years. It has changed and evolved in those years to become one the most economical, efficient, flexible way of getting a mortgage.

The History of The Mortgage Broker

When mortgage brokering started in Canada it was primarily for those who only had bad credit. The mortgage broker was able to secure a lender for the mortgage at higher interest rates because of the risks involved with dealing with clients that had bad credit. The Banks would not lend to these clients.
About 20 years ago if someone said that they went through their broker for a mortgage it would be the tell tale sign that they had bad credit. So it was normal to associate mortgage brokers with bad credit.

Fast forward to 2011.

Mortgage Brokers Are Now For Everyone.

Many changes have taken place in the broker channel (network).
The growth of Canada spurred the need for more housing which meant more mortgages. The Banks primarily were the ones lending money for mortgages but without too much competition they could name their rates, policies and the Canadian client was at their mercy.

A basic understanding of what a Lender is:

The term "Lender" means the Lender is a Business that lends money to clients through mortgage brokers. They use mortgage brokers as their sales force, paying the mortgage broker a finders' fee, thus reducing their overhead, allowing for lower interest rates.
The federal government regulates these Lenders the same way they regulate the Banks. Which in Canada is very strict and structured.

As the demand for mortgages grew the Lenders saw the need for improved programs and more choices for the clients that wanted a mortgage. That was the start of what is known as “today's mortgage broker” . With the competition of the Banks and Lenders , the Canadian consumer has a choice like no other choice in history for their mortgage needs.

While the Banks are still pretty rigid on whom they deal with, the Lenders on the other hand have programs in place that just about cover everything imaginable in the world of mortgages. With the Lenders, the better the credit rating and stability of the client the lower the interest rate is charged. Thinking outside the box is one of the great qualities of these Lenders.


Why would a client choose a Mortgage Broker instead of a Bank?

more programs to choose from so the mortgage is tailored to you

fast approvals
usually lower interest rates
flexibility
constant evolving programs to suit you and your needs
peace of mind
mobile service
efficient handling of the mortgage
the choice in not dealing with a loan officer in a bank
over 50 lenders to choose from
friendly and informative advice
we want you to get your mortgage and will work very hard to facilitate that


Thank you
Angela Kroemer, AMP
Mortgage Professional
1.888.679.0190
1.250.650.4182
akroemer@mortgagegroup.com
www.ComoxValleyMortgagesToday.com
TMG The Mortgage Group Canada Inc.

Sunday, October 9, 2011

AMP After a Mortgage Brokers Name-- What Does That Mean?

If you have been searching for a mortgage broker you may have come across the same 3 letters beside some of the mortgage brokers you have researched.

AMP stands for Accredited Mortgage Professional.

Below is the explanation from CAAMP's website:

The Accredited Mortgage Professional (AMP) is the only national designation for Canada’s mortgage industry. Launched in 2004, the AMP designation was developed as part of CAAMP’s ongoing commitment to increasing the level of professionalism in Canada’s mortgage industry.
An increasing number of Canadian mortgage consumers are becoming more aware of the AMP designation and are increasingly seeking the advice of an Accredited Mortgage Professional.
The AMP sets a single national proficiency standard for mortgage professionals
http://mortgageconsumer.org/what-is-the-amp-designation

Why Use a Mortgage Broker That is an AMP:

Below is the explanation from CAAMP's website:

The biggest investment decision of your life just got easier!
The AMP designation differentiates mortgage professionals from others in the mortgage industry. It demonstrates their commitment to providing you with the highest level of service.
Purchasing a home is one of the most important investments of your life so you want to proceed with confidence.
Look for the expertise of an Accredited Mortgage Professional (AMP). AMPs are committed to finding mortgage products and services that best suit your needs.
You can feel confident when dealing with a mortgage professional who has met a high standard of ethics and is committed to ongoing training. AMPs are dedicated to offering in-depth product knowledge and service and most importantly, an AMP will provide a tailored solution for your unique financing needs.
The AMP represents access to the dedicated services of a professional who is focused on meeting your needs.  http://mortgageconsumer.org/benefits-of-using-an-amp


In summary-- an AMP must maintain a certain goal of completing ongoing training each and every year to keep their designation.  Which means that when receiving services from an AMP you know that their knowledge is up to date with the industry standards.  Ethics and customer satisfaction is a key element for an AMP.


Thank you
Angela Kroemer AMP
 Mortgage Professional
1.888.679.0190
akroemer@mortgagegroup.com
www.ComoxValleyMortgagesToday.com
TMG The Mortgage Group Canada Inc.