10 First-Time Homebuyer Mistakes
April 22, 2021
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Whether you are a first-time buyer or an experienced buyer with excellent credit, Dominion Lending Centres has access to the very best products and rates available across Canada. Give us a call… we think you’ll be pleasantly surprised!
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Current variable mortgage rate is
4.30%
Current prime rate is
4.95%
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Apply NowHello!
My name is Andre Houle and I am a mortgage broker with Dominion Lending Centres Maximal Mortgages in St. Albert, Alberta. I have been a mortgage broker for 17 years, with 20 years total in the financial services industry. Who knew that starting as a bank teller would lead me to this!
I currently reside in Morinville, Alberta, and have the only standalone broker office within the community…because my wife says I can’t work from home.
I have been married for 20 years, to my wife Lisa (she’s the best!), and we have two amazing daughters that are the highlight of my life. Now that I think of it, dealing with a nearly teenage daughter has become a challenging endeavour, did I mention they were amazing? My wife and I have had some interesting bumps in the road during our marriage that has changed the way I live my life and do business (think bumpy cactus field full of rocks kind of bumpy).
We’ve gone through many of the things most people go through in their lives, but we’ve also managed to deal with pediatric cancer, affecting our youngest child when she was 6 years old, and all that accompanies treatment. We’ve also lost a younger sibling to cancer recently, and have dealt with many of the fallout's associated with losing a young mom, sister and daughter. The past 4 years have certainly been challenging for us.
I take many things into consideration, now that I’ve experienced life and all of its intricacies. I have a unique understanding, especially regarding the financial aspects in life, especially when it comes to the unexpected. Your specific needs have always been the focal point of my concern regarding all aspects of your mortgage. To me, you’re not just a mortgage, you are a human being with specific and unique needs.
I have access to over 40 different lenders to help facilitate your unique mortgage needs, which helps me explore every option available to help you get ahead financially. The most important thing, is to allow your finances to take care of themselves while you’re busy living your life. Life is too short to worry about money.
April 22, 2021
October 1, 2020
September 17, 2020
Hi Andre,
Thank you for all your help and support with the re-mortgaging of our house. Without your advice we wouldn’t have even looked at re-mortgaging before the end of our fixed term, and you were not only able to obtain a lower interest rate for us and the fixed term we were after within the confines of the pandemic, but you were also able to obtain an even lower interest rate for our new mortgage during the finalization process, saving us even more money in the long run.
Although our application was more complicated as we run our own company, the requirements and instructions on what was needed was clearly set out, so there were no surprises in the end.
Thanks so much for your help, and my husband and I would recommend your services to all.
Thanks
Mandi
Hello Andre
Here are a few words…I don’t think there are enough words to thank you for all your support, kindness and patience during my real estate situation. I am so happy with this new home and I couldn’t have done any of this without you. Thank you ten thousand times…
I used Andre Houle for a refinance a few years back and recently a new purchase. I also referred a friend of mine to him about two years ago. He worked wonders for her and because of Andre, she is living in a beautiful new home.
Andre works from his heart first. He is not all about the deal. I struggled with a very difficult decision to sell a property I’d put a lot of time and money into during a terrible real estate market. But the place wasn’t working for me on so many levels and my quality of life was diminished. I called Andre on a particularly difficult morning and asked him for his thoughts.
Andre shared some of his own experiences and insights with me. He helped me articulate what was important and what factors I had to take into consideration to make the right decision with minimal economic impact. He spoke to me the way an old friend does—with kindness, clarity, and truth. He gave me all the information I needed to get my financial information ready so he could get my numbers in order quickly. He gave me sound financial advice and relevant information so I could plan both my selling and buying thresholds without stressing me financially. Because of Andre, I felt fully informed and fully supported when I listed my home for sale.
He stood by me while I contemplated offers and provided me strength and support when I felt pressured by real estate agents. He reminded me of my overall reasons and goals for selling and more importantly, my criteria for my new property. His advice and guidance saved me from buying yet another unsuitable property.
During my purchase transaction, Andre was prompt in returning emails and calls and I never once had to second guess any of my financial decisions. He gave me full information, explained the processes, and gave me constant updates about my mortgage application status. The realtor I worked with for my purchase was so impressed by Andre’s service, he personally messaged me and told me that he fully intends to refer clients to Andre.
Andre really listens to his clients. He takes the time to understand their needs and goals. He also fully understands the magnitude of real estate decisions, costs, and stresses, and is a solid ally from start to finish. His patience is admirable and his kindness is a blessing in this fast-paced deal oriented marketplace. He is an asset to anyone looking to buy, sell, or refinance their home. Andre never loses touch with the human aspect of real estate—these purchases and sales are part of our lives, our hearts, our memories, our futures. What a gift it is to work with someone who is aligned with your true needs during a high stress time.
I wholeheartedly recommend Andre without any reservations.
Best wishes
Indra Ramayan
As a first time condo buyer I was unfamiliar with all the steps involved to get a mortgage. Andre was always available to explain things to me as well as being kind and empathetic that he was there to walk along side me to the finish line of the process. I wholeheartedly recommend Andre! You are in good hands.
Sincerely,
Lisa R
Lisa R
I just wanted to send you a note saying thank-you for all your hard work during our house buying process. It meant all the world to us and we couldn’t have done it without you. We really appreciate you!
—
Danae & Wyatt Harding
“Andre Houle is wonderful to work with. I would recommend him to basically anyone wanting to talk to a human being and get simple and reliable information. He was always on top of returning emails/calls and I never felt as though I was asking stupid questions as he had thoughtful answers for everything! That’s just the professionalism/customer service side of things; if you have had any sort of financial troubles in the past (or let’s be real, still do) and are looking to know your options, call him now. Or, if you’re a young women wanting to make a huge financial leap on your own, talk to him. There’s no judgment of any sort, and I never felt as though I was being written-off for the value of my deal or that fact that I wasn’t super knowledgeable on everything. Thanks again, Andre and I look forward to recommending your services to people in the future!”
Jessica Post
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