10 First-Time Homebuyer Mistakes
April 22, 2021
Each Office Independently Owned & Operated
Hello!
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
Esther and I both really appreciate how good you have been thus far to work with, especially now that we have had to work with other mortgage brokers. We really are grateful to have you working with us!
Mike and Esther L.
We gladly recommend you to anyone who needs your services.
We find that:
1. You are very efficient: Instant responses to any questions we have.
2. Always look out for our best interests: Try your best to get us the best rate, the best conditions for us.
3. Never refuse any request we ask you to do.
Thank you! Have a great day!
Carmen and David Corey
Carmen and David Corey
Words of recognition about Mister Andre Houle.
My wife and I (Hector H. Arana) met Andre around 11 years ago. He was referred to us by a colleague and her husband. Mr. Houle also work for them in his field expertise as Mortgage Associate Broker and they were very pleased with his services.
At that time we were looking for a mortgage Associate Broker to obtain a mortgage so that we could by a house. As an aftermath, we went to meet him to his office and talked about our goal and other matters.
Afterwards, we met with Mr. Houle and since the beginning my wife and I realized that Mr. Houle was a gentleman who had a lot of knowledge about his profession and related areas to his field. Nonetheless, in addition to his knowledge and abilities for doing an excellent job we also could observed that he was an honest, open, fair, empathic and understanding citizen.
Before we met him, in the past, we met a couple of mortgage broker; notwithstanding, they knew their jobs, they did not know some other tips and plans to other related areas in comparison to Mr. Houle.
We did not have to keep looking for more people to work about and we decided in that very moment that he was going to be our best choice.
So far, we have been keeping working with him about related mortgage activities and he is still the same gentleman that we met 11 years ago, as a plus, he not only has increased his area of expertise but also his moral and ethic foundations are stronger than ever. Those are the reasons because we have referred him to other relatives and friends and the ones who have worked with him are also quite please with his services.
Therefore, I adamantly state that if anyone is looking for a person who have these two essential virtuosity aspects (Knowledge and Ethics) is Mister Andre Houle the gentleman that you have to contact with.
Best Regards,
G.M. Hector H. Arana
6th Dan B.B. of the World Taekwondo Federation, TC, ATA & KKHQ
(Ma. & PhD. Psyc)
Thank you Andre, 3rd time was a charm, you had the patience to work with us over a couple of years of the house hunting process, and helped us hit the jackpot!! Perfect property, awesome mortgage rate and exemplary service – We cannot thank you enough!!!
Rachel C.
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
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