XEVA Mortgages                                                                                                       patricia@patriciacollins.ca | Cel: 604.996.7701 | Fax: 604.343.7111 | Follow Me: Facebook Facebook Twitter Tumblr

 

 

 

 

 

Vancouver Mortgage Broker Patricia Collins

 

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Vancouver Mortgage Broker Patricia Collins

Patricia Collins is an Accredited Mortgage Professional (AMP) with years of experience helping people find the perfect financing for their dream homes.  She is a member of both the Canadian Association of Accredited Mortgage Professionals and the Mortgage Brokers Association of British Columbia.

As a Vancouver mortgage broker, Patricia Collins was honoured to be voted the Best Mortgage Broker in Vancouver in 2016 and 2017, the last year of The Westender's publication! 

Patricia received her Bachelor of Arts and Bachelor of Education from UBC.  She is passionate about educating and supporting her clients throughout their lives as homeowners and investors, and is always updating her knowledge of the industry and matters of importance to her clientele.  She has been the expert in publications such as Yahoo Finance, WestCoast Families magazine and The Globe and Mail.

In addition to her traditional mortgage offerings, Patricia is certified with Manulife One and is a Certified Reverse Mortgage Specialist with HomEquity Bank to ensure she has direct access to products and solutions for the challenges she is seeing her clients and families facing today.

Patricia strives to constantly exceed her clients' expectations and make the process as smooth and efficient as possible.  Her business partners and clients know that she is always there when they need her, and is never too busy to answer any questions they may have.

She looks forward to using her professional connections and expertise to help you find the perfect mortgage, whether you are:

  • A First-Time Homebuyer
  • A Senior 55+
  • A Newcomer to Canada
  • A Self-Employed Buyer
  • A Repeat Buyer
  • Renewing or Refinancing your Mortgage

If you don't fit into any of the categories listed above, don't worry!  Patricia offers a wide variety of mortgage products and services to her clients, and she will be able to find the best options for your situation, regardless of your circumstances.

 

Additional Mortgage Products Offered

  • Mortgage Renewals - Check with Patricia before blindly signing on to the same mortgage again.  She may be able to find you a better rate and better options for your mortgage renewal!
  • Refinancing and Debt Consolidation - Do you owe a large amount of debt, perhaps due to a credit card balance or education expense?  Consider a mortgage product that consolidates your debts into a single debt with a much lower interest rate.  She will help you breathe again!
  • Home Equity - Learn about using the current equity in your home to put towards the purchase of a rental property, to help a family member purchase a home, for renovations, or to help with another major purchase.
  • Commercial Mortgages - Patricia offers mortgage options for the purchase of office, multi-family, and industrial properties.
  • Mortgage Life Insurance - Make sure your loved ones are taken care of with insurance that is portable from home to home, lender to lender.
  • Leasing - Patricia can help you in discovering multiple ways to structure lease financing for new equipment, a sale-lease back to extract capital from existing assets, or solve other equipment acquisition opportunities.

Vancouver Mortgage and Real Estate Market

The Vancouver mortgage and real estate markets are constantly changing. As a way to keep up with these changes, Patricia Collins, your local Vancouver mortgage broker, is continually conducting market research and updating her clients on relevant news and trends. This information can be used in combination with other tools, like her mortgage calculator, to help simplify the mortgage process.

According to the Canadian Real Estate Association, the number of residential homes sold in February 2019 was 32.8 per cent lower compared to this time last year.

All properties in the Metro Vancouver area was recorded at 11,590 units listed for sale by February 2019. This is a 48.2 per cent increase from the 7,822 units listed in February 2018 and is a 7.2 per cent increase in homes listed for sale since January 2019.

As housing prices continued to get more expensive throughout 2018, many were worried that this pattern would continue to occur for 2019. Real estate experts state that the Vancouver region has been a seller’s market over the past four years. This means that housing prices and mortgage rates are expected to rise.

Buyers living in a seller’s market are causing a great deal of debate about what was driving the increased demand and what, if anything, should be done to remedy the increase in competition.

These debates led to interventions by the government, which we saw take place at the beginning of 2018 when changes were made to the Canadian mortgage rules and regulations.

As the market continues to fluctuate, so will the Vancouver mortgage rates, which you can find directly on this website!


About Vancouver

The City of Vancouver is a coastal city located on the mainland of British Columbia. While Vancouver is only the eighth largest Canadian municipality, it is the most densely populated.

If you are looking for nature and scenic views, look no further! Vancouver is the home to Stanley Park, which is one of the largest urban parks in North America, covering over 1000 acres. The North Shore Mountains and snow-capped volcano Mount Baker can be seen throughout the skyline.

Snow falls only an average of eleven days a year in Vancouver, making it one of the warmer Canadian cities.

Prefer to stay indoors? Vancouver is host to a wide variety of museums, theatres, dance and visual art, including the Vancouver Art Gallery.

To find out more information about places to visit in Vancouver or to check out a calendar of local events, visit the city's website.


Why a Vancouver Mortgage Broker

As a Vancouver mortgage broker, Patricia Collins works hard for YOU, not for the lenders or financial institutions. She is always looking out for your best interests and trying to find ways to help save you money.

By working with a professional mortgage broker like Patricia, you receive all the financial benefits without the stress of navigating everything yourself. She will guide you through the mortgage process, step-by-step, to ensure that you are comfortable with every decision that is made.

Every consultation is free, and the mortgage services are free for residential A mortgages as the lenders pay these fees.  

Whether you are interested in purchasing a home or refinancing your existing mortgage, give Patricia a call to receive more information and to book your free consultation today!

*Mortgage brokers are not tied to any specific lending institution and receive a standard fee from the lender, regardless of where the mortgage is placed for residential mortgages- this is how you can be sure they are working for your best interest. In situations where specific clients or properties do not meet conventional lender expectations, a mortgage broker may find suitable financing through an alternative source. In these cases, an amount agreed upon in advance may be charged directly to the consumer.

 

Testimonials

"If I were asked what single element of my recent real estate purchase was the most positive and useful, I would answer: Patricia Collins. Without exaggeration, Patricia made our dreams come true. She’s a Fairy Godmother, net-worker extraordinaire, and lovely human being - in mortgage broker form! She handled everything from strongly negotiating and obtaining an amazing (seriously, AMAZING) mortgage for our new home, was a solid and true-blue support, and patiently explained all the intricate in’s and out’s throughout the process. Patricia made procuring a mortgage fun, celebratory and interesting – with virtually no stress involved. Early on, it became abundantly evident we were in expert hands. Having someone work this tirelessly and effectively on our behalf made the whole endeavor flow with extremely appreciated ease and assurance. It was truly a pleasure to work with her and I count myself as miraculously gifted to have been recommended Patricia’s name by one of the best brains in Vancouver Real Estate. An added bonus has been all the professional contacts Patricia has connected us with. Every single referral she’s provided has been of the highest caliber in their field (from Notary to Contractors). From our experience, Patricia’s integrity, expertise and personality have our highest endorsement and an inexpressible depth of gratitude.

If you choose to work alongside Patricia Collins you can rest assured, you’ll be in top of the line care and service provision. When it came to the largest investment in our lives, this mattered and Patricia came through for us with more than flying colours. She won us Gold at the Mortgage Olympics!!!"

Elaine 

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"We used the services of Patricia in an emergency situation at the end of last year. I am still flabbergasted by the top-notch service she provided us with: she is extremely up-to-date with the ever changing market she deals with, understood our needs and wants and how to accommodate us with the mortgage market at the time, took every chances she had to make certain we were properly treated and receiving what we asked for. Patricia has this natural flair with finances and is a very creative mortgage broker who will not hesitate to think outside of the box to make our deal and dreams come true and through. There is something to be said about a professional who doesn't have to be told that her daily lingo needs to be translated into an everyday layman's/laywoman's words. My experience with Patricia was so positive, it lead me to automatically refer her to any of my clients (I am a professional realtor in Vancouver) in search or need of a professional, experienced, patient and kind mortgage broker be it for their first purchase, the refinancing of their current mortgage or any other situation they might need her help with. She's a go-getter, a trustworthy professional and she knows how to demystify the mortgage world and make it fun and 'bearable" to deal with. Do not hesitate any longer, should you still be looking for the financing help to conclude your real estate transaction, Patricia is the one you need to add to your team. Thanks again Patricia, you made our dream possible."

Diane 

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"Patricia Collins of Dominion Lending Centres is by far the best mortgage broker I’ve ever worked with. For the properties I’ve purchased or refinanced, she has worked tirelessly to find me the very best rate. Most recently, she helped me secure funds to build my dream lakefront home in Whistler. She diligently checked every banking institution to make sure I was getting the best deal available. Buying a home is stressful, but Patricia has an easy, professional calm about her, which, in turn, makes the process all the more pleasant. At every turn, she would reassure me and answer any questions I had throughout the process. And she’s never failed me! The care doesn’t stop once the papers are signed either—she still checks in with me to see how things are going on a regular basis. 

I’ve recommended her to everyone I know and several other family members have also used Patricia. She just helped my son and his fiancé secure a perfect mortgage for their first home together.

Patricia is the quintessential mortgage broker extraordinaire!"

Patty 

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"In all my years of real estate ventures and home purchases, I have never encountered a mortgage broker that worked harder on my behalf, or one that was more involved throughout the entire process.

Despite my experience as a homeowner, condominium owner, and income property investor - the money and time saved, coupled with the detail and insight that Patricia offered me, was second to none.  My only regret is that I did not have a working relationship with her sooner.

In my recent dealings with Ms. Collins - a somewhat complicated matter, her performance was competent, meticulous, and professional, and I will be singing her praises from this day on."

Leo 

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"Working with Patricia was an absolute delight.  She went above and beyond by investigating discrepancies in our credit history and even going so far as contacting the credit bureaus on our behalf to clear those inconsistencies up.  We also had a fairly complex financial history being self employed with mostly foreign income and Patricia communicated with us every step of the way to make sure all of the details were taken care of and to ensure we qualified for our dream home at an amazing rate.

Beyond all that, she truly cares about her clients and always has an amazing attitude.  

Patricia is our mortgage broker for life."

Jason and Christa 

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"Thank you for doing such a terrific job securing financing for us.  You got us an excellent rate.  We truly believe without you we couldn't have purchased our new home.

You have great personality and showed excellent professionalism through your hard work, willingess to help, and sticking to your words.

We will definitely recommend your services to anyone looking for a mortgage.  Thanks again!"

B & M G 

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"Patricia takes customer service to a whole new level. She held my hand at EVERY step of the way taking the time to explain every scenario under the sun. She is extremely knowledgeable and honest - not to mention easy going. Finding the right person to trust made the mortgage process less scary and far more comfortable. I found her recommendations invaluable and was constantly impressed by her quick response time. She really works for the customer to get the best possible mortgage options. I have already recommended Patricia many times and will continue to do so!"

S.S.

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"As first time homebuyers the whole idea of fixed rate vs. variable mortgages and banks vs. brokers were definitely new concepts and we felt completely lost. After a few simple Google searches on the subject I found Patricia Collins and the rest you could say is history.  I met with her early in the home buying process and she answered every question I had (even the bad ones…).  I had a unique situation as I am self-employed and Patricia assured me that I would qualify without too much hassle.  We eventually put offers in on two places at separate times and Patricia secured separate rates from different lenders with ease.   She worked extremely hard for us to get us the best rates and I get the feeling that she does the same for all of her clients.  I would definitely recommend Patricia Collins to friends and family looking to buy a new home in the Vancouver area.

Thanks again Patricia!"

Chris and Karly