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February 2012 Home Newsletter...

  Volume 6 Issue 2 February 2012 Bernadette Laxamana & Team’s Home Newsletter Welcome to the February Edition of our Newsletter!  Don’t forget to spend some special time with your loved ones this Valentine’s Day. Enjoy! -Bernadette, Charen & Leonor IN THIS ISSUE: Living for today, saving for tomorrow The legend of St. Valentine 4 [...]...

January 2012 Home Newsletter...

  Volume 6 Issue 1 January 2012 Bernadette Laxamana & Team’s Home Newsletter Happy New Year and Welcome to the January Edition of our Newsletter!  This month we have some tips for first-time home buyers, some home improvements ideas for 2012 and some basic budgeting tips for your family. Enjoy! -Bernadette, Charen & Leonor IN [...]...

Nov.18 Update Bulletin – New Hours of Operation...

  New Office Hours of Operation October 18, 2011 Great news!  Over the past few months, we have been asking you how we can improve our service and commitment to you our valued clients and referral partners.  We’ve listened and are pleased to announce that our team will soon be available later in the day [...]...

Testimonials

Here’s what some of our valued clients are saying about us!

“You are my inspiration and my guide to improve my financial future.  It’s hard to manage our mortgage without hardwork and sacrifice.  Thank you for helping me reduce my amortization from 35 years to 21 years and I am still saving towards my dream home.  I already have 4% saved of my own money without including my RRSP savings and my home equity.  I really thank you for being my mortgage broker.  I know I am going to reach my goals with your help.”-Joey from Surrey, BC

“Thank you so much for helping us. we are so satisfied with your excellent service & performance, and I won’t hesitate to recommend your service to all my friends & relatives. thank you again & good luck.”-Rosalie & Nestor from Surrey, BC

“(Bernadette) presented options clearly making it easy to understand what would work best for me.  (Bernadette) Gave me checklists to follow to ensure transactions could be completed quickly and accurately.”-Sandra from Coquitlam, BC

“… if I hear of someone requiring a mortgage broker, I’d recommend Bernadette without hesitation. (She) explained things very well. Took care of all the details and made the entire process go very smoothly.” - Sean from Richmond, BC.

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Testimonials

Here’s what some of our valued clients are saying about us!

“You are my inspiration and my guide to improve my financial future.  It’s hard to manage our mortgage without hardwork and sacrifice.  Thank you for helping me reduce my amortization from 35 years to 21 years and I am still saving towards my dream home.  I already have 4% saved of my own money without including my RRSP savings and my home equity.  I really thank you for being my mortgage broker.  I know I am going to reach my goals with your help.”-Joey from Surrey, BC

“Thank you so much for helping us. we are so satisfied with your excellent service & performance, and I won’t hesitate to recommend your service to all my friends & relatives. thank you again & good luck.”-Rosalie & Nestor from Surrey, BC

“(Bernadette) presented options clearly making it easy to understand what would work best for me.  (Bernadette) Gave me checklists to follow to ensure transactions could be completed quickly and accurately.”-Sandra from Coquitlam, BC

“… if I hear of someone requiring a mortgage broker, I’d recommend Bernadette without hesitation. (She) explained things very well. Took care of all the details and made the entire process go very smoothly.” - Sean from Richmond, BC.

“Excellent service and in a friendly manner.”-Tino & Connie from Vancouver, BC

“(We get a) timely response and understanding of where we are coming from.” – Eden from Vancouver, BC

“(Bernadette) gives excellent advice!  Everything is perfect!” - Julieta from New Westminster, BC.

“I was told about how much money goes to the principal on variable rates.”-Ronald from Surrey, BC

“Well, thank you very much, Bernadette. It seems we have a mutual admiration society going. As I said, we will definitely be recommending you to people we know – including 2 realtors in the family, and one in the neighbourhood. We appreciate your energy, enthusiasm, thoroughness, and the excellent result.  It was a pleasure working with you Bernadette – we’ll be in touch in the future I’m sure.” – Caitlyn and Ian from New Westminster, BC.

“Working with Bernadette when we purchased our house, and later re-financing our mortgage had been a very pleasant experience. We knew that we were dealing with a person who is so knowledgeable in the field. She really worked hard to get us the lowest and best interest rate. We will definitely recommend her to friends and relatives.” – Elie and Aymee from Surrey, BC.

“I guess I’m lucky that my estate broker introduce me to Bernadette to be my mortgage broker. I’m the first time buyer, and have no experience in mortgage loan process. Bernadette has shown a great service by explaining clearly the process, giving me the best interest rate as possible, and always available for questions and concerns with quick response. All the documentations are completed and clear. I highly recommended her to any of my friends.” – Nova from Vancouver, BC.

“Again, i really appreciate all that you have done for me, providing me with information, answering question that i may have and responding to me in a timely manner.  Thanks for helping me get through this exciting & stressful time in my life.  Have a wonderful day, and we will keep in touch. I will definitely recommend you to any family & friends that i know who are looking for a mortgage broker.” - Maria from Coquitlam, BC.

“…thank you for all that you have done for me and my wife, I believe that you have a great heart and amazing energy and I am always certain that you have a superb place in the eyes of God, and yes I make sure that whoever I know that wants to do any kind of financing to call you, again I thank you for all you have done for my family.” - Amir from Coquitlam, BC.

“(Bernadette) was able to have our mortgage approved the soonest possible time.”-Alberto from Vancouver, BC

“Negotiated lower mortgage rate and penalty discounts on our behalf.  Keep up the very good clients service.  Continue sending the informative newsletter.”-Jonah & Arlene from Surrey, BC

“(Bernadette) keeps us informed of any updates through the newsletter.  (She is) a very nice and easy person to talk to.” -Patricia from Burnaby, BC

“I got all we wanted and needed. But will appreciate continuous feedback on the existing and forecasted rates in the industry to manage our mortgage the best way possible. Broker’s advise is acceptable to us too.”-Reynaldo from Surrey, BC

“(Bernadette) does whatever she can for the best for (her) clients.  I found everything perfect regarding customer service, time, and best result.” -Hossein from Coquitlam, BC

“I would like to take this opportunity to thank you and your staffs for the service that you have given us.  As i have told you before, that it took me awhile to decide on whether to approach a mortgage broker or not.  In as much as i have tried myself to look for a financier, i was not fortunate to have one.  Maybe because i have not gone to a right person to talk to or discuss what we  want or whether our finances did not meet the requirements.  Since my friends have insisted on looking for one mortgage broker (even my boss), i have decided to call your office and give a shot.  It only took me 5 to  10 minutes over the phone to talk to your assistant Lily and gave all the information that she needed to pre-qualify us for a mortgage.  I was so surprise that in just one day, she has given me already a figure on how much i would be pre-qualify.  In which it took me 1 to 2 hours to talk to a financial adviser at the bank and yet, not sure of whether i would be qualified to get one.  We have approached two banks and another broker and they didn’t give us the approval that we wanted.  We have made an offer on a home that we really love and when Bernadette called me the day after we submitted the contract to her to tell me that we were approved I was speechless because I was so happy!  I should have done than this way before, by hiring a mortgage broker that will help us find solution to our problem.  We are very grateful for the service that you have extended to us and we were satisfied and contented for what has happen.  Surely, if our friends will ask us how we did passed the mortgage test, we will be gladly recommend your company.  Thank you very much and more power to you and your staffs.” -Bernie from New Westminster, BC

“I would like to thank you so much…you are such amazing mortgages consultant, you considered everything with your clients” -Emily from Surrey, BC

“Buying a property is not an easy job let alone owning one. Don’t get us wrong that we don’t enjoy the privilege of owning it… with the right person to talk to is a peace of mind.  We’ve met Bernadette at the beginning of this year (2010) when my husband and I decided to sell our town house.  The amount of anxiety we have were overwhelming us.  Bernadette did help us a lot understanding our option which we didn’t know before.  We have lots of things to thank for having to meeting Bernadette:

* a comfort that she is available to answer all our questions and not having to repeat all over again or to be pass around
* we build trust on her that she’ll explain to us in a words we can understand in a world of “mortgage & interest”
* we can explain our feeling without hesitation in our own language

And lastly, having Bernadette as our mortgage broker doesn’t end by signing the papers. Through her monthly newsletter she keep us aware not only what is the current situation and option available on the market but also to the nitty gritty on maintaining our home.  For us, knowing Bernadette is an investment as well.. Thank you” -Ana & Jomi from Vancouver, BC