Craig Nickerson, Mortgage Broker @ Verico Simpligo Mortgages. First time buyer and military relocation specialist

February 22, 2023 @ 5:11 PM
Posted by Craig Nickerson, B. Comm

We do construction mortgages!

Looking to act as your own general contractor in building a home? We can assist with lending options for the vacant land, the construction draw mortgage, or even just the takeout financing

August 1, 2022 @ 3:36 PM
Posted by Craig Nickerson, B. Comm

Bond yields are dropping!

Bond yields are dropping! This might simply be the clam before the storm, but due to that fact fixed mortgage rates have actually been decreasing a bit for the first time in months.

June 16, 2022 @ 12:29 PM
Posted by Craig Nickerson, B. Comm

A temporary pause in rate hikes?

Yesterdat after the federal reserve in the US increased the prime lending rate by 0.75% (the biggest hike since 1994), the yield on the 5 and 10 year mortgage bonds in Canada actually declined slightl

May 31, 2022 @ 11:39 AM
Posted by Craig Nickerson, B. Comm

To lock in on not to lock in. That is the question.

Confused whether or not to lock in your varaible rate?We're here to help! Even if we didn't originally arrange your mortgage, we'd be happy to review your situation to give you straight forward, unbia

March 26, 2022 @ 12:00 AM
Posted by Craig Nickerson, B. Comm

Rates are rising!

Fixed rates are rising!If you are actively shopping for a home, YOU MUST get preapproved right away if you plan on taking a fixed rate for your mortgage. As 5 year mortgage rates have moved to around

January 19, 2022 @ 12:49 PM
Posted by Craig Nickerson, B. Comm

Save the date

One week today, the Bank of Canada is widely forecase to #increase the prime rate of interest by between 0.25% and 0.50% off the historic low levels it has sat at since the start of the pandemic.If yo

January 18, 2022 @ 3:26 AM
Posted by Craig Nickerson, B. Comm

There's no day like a snow day!

Despite the weather, we're still available to help! Call (613)394-5810 or send us a message today!

January 3, 2022 @ 7:09 PM
Posted by Craig Nickerson, B. Comm

Groundhog Day

January 3rd. Groundhog Day in Ontario.Doing the same thing over and over again and expecting different results simply doesn’t work.So why are you doing the same thing with your finances, which i

January 2, 2022 @ 2:03 PM
Posted by Craig Nickerson, B. Comm

Start 2022 off on the right foot!

Debt is debt. The ultimate goal is to finance it at the best available rates and pay it off as quickly as possible. Sounds simple enough.If you’ve owned a home for at least 2 years, why are you

December 31, 2021 @ 2:59 PM
Posted by Craig Nickerson, B. Comm

We do self build construction mortgages

Given the insane bidding wars in the local real estate market over the last 2 years, building a home can be the smart way to get solid value. You've made an incredibly savvy decision if th

May 15, 2021 @ 9:51 AM
Posted by Craig Nickerson, B. Comm

All mortgages are not created equal

All Mortgages are not created equally! Before signing with a lender, you need to ask these basic questions:* Is the mortgage portable?* What are my prepayment options* How are the penalties calculated

March 26, 2021 @ 4:04 PM
Posted by Craig Nickerson, B. Comm

Out hunting for a house this weekend?

Your bank may be closed until Monday, but we're available to help you arrange your financing even on the weekend? Call (613)394-5810 or send us a message

January 19, 2021 @ 3:27 PM
Posted by Craig Nickerson, B. Comm

5 year fixed rates (CMHC insured) - 1.44%!

This is not a misprint, nor is it one of those no-frills mortgages that is fully closed for the term. It is a full featured mortgage with good pre-payment options and reasonable penalty cl

January 6, 2021 @ 2:40 PM
Posted by Craig Nickerson, B. Comm

Posted in 2021?

Click here to learn more!

January 4, 2021 @ 11:29 PM
Posted by Craig Nickerson, B. Comm

Record low rates!

Purchasing, renewing or refinancing? There has literally never been a better time EVER go lock down a terrific fixed rate. And when I say terrific, I mean it. One call could end up helping yo

May 31, 2020 @ 11:38 AM
Posted by Craig Nickerson, B. Comm

Emergency loans up to $40000!

Cash flow crunch due to a reduction in your income? If you own a home and have some equity, we have a great solution to help get you through this. Loans of up to $40,000 available that re

May 8, 2020 @ 12:17 PM
Posted by Craig Nickerson, B. Comm

We specialize in military relocations!

Posted this APS? We specialize in #DNDRelocations!With 25 years of experience, we’ve helped hundreds of families just like yours make successful moves back and forth across the country w

May 1, 2020 @ 11:07 AM
Posted by Craig Nickerson, B. Comm

Interest Free for 3 months!

In partnership with our friends at Merix Financial/Lendwise, we are thrilled to bring you the 'Interest 3 for Free!' promotion, were we will pay the interest for you for the first 90 days of your new

April 21, 2020 @ 12:32 PM
Posted by Craig Nickerson, B. Comm

Can I use Canada Child Benefit to help qualify for a mortgage?

Many banks say no, but we have several 'A' lenders that will allow you to use the income towards qualification as long as the children are 12 years of age are younger. If you had one over

April 16, 2020 @ 12:48 PM
Posted by Craig Nickerson, B. Comm

Emergency loans available!

Cash flow crunch as a result of the recent events? If you own a home and have some equity, we have a great solution to help get you through this. Loans of up to $40,000 available that have

March 28, 2020 @ 6:40 PM
Posted by Craig Nickerson, B. Comm

Another Prime Rate Cut!

Another prime rate cut! With the latest Bank of Canada rate cut on Friday, the prime rate has dropped an incredible 1.50% in the last 2 weeks. At the same time, fixed rates have been aggressively incr

March 17, 2020 @ 12:26 AM
Posted by Craig Nickerson, B. Comm

Rates are moving up!

Rates are moving upwards!We are now in the middle of a liquidity crisis. The incredibly low fixed and variable rate offerings that are available today will likely be a distant memory come the end of t

March 13, 2020 @ 6:03 PM
Posted by Craig Nickerson, B. Comm

5 year CMHC insured mortgages for 2.19! WOW!

This is not a misprint! This is a full feature mortgage with good prepayment options, fully portable and has reasonable penalty clauses, and would be suitable for a DND member.Act fast before sanity r

March 7, 2020 @ 11:44 AM
Posted by Craig Nickerson, B. Comm

Unsure whether to go fixed or variable after the recent prime rate cut?

After the recent Bank of Canada prime rate cut to 3.45%, I've been getting a ton of inquiries whether it is time to lock into a fixed rate term, or continue to go with variable rates? As wishy-w

March 3, 2020 @ 4:39 PM
Posted by Craig Nickerson, B. Comm

Variable rate mortgage sale!!!

If you are purchasing a home closing in the next 60 days, we now have CMHC insured 5 year variable rate mortgages at Prime - 1.2%!!! This is the lowest margin vs prime I have personally wi

January 18, 2020 @ 6:13 PM
Posted by Craig Nickerson, B. Comm

Put down that shovel!

There's no day like a snow day to tackle your debt situation! Struggling with post holiday credit card bills? If you have owned your home for at least 2 years, we have some credit options to help incr

January 9, 2020 @ 1:05 PM
Posted by Craig Nickerson, B. Comm

A new rate special for a new year!

Purcsshing in the next 60 days? We have one lender currently offering a full feature 5 year mortgage at 2.69%, a rate that is far below the market. Interested in finding out more? Call (613)39

November 13, 2019 @ 3:14 PM
Posted by Craig Nickerson, B. Comm

Don't let credit problems sneak up on you!

Sometimes things can sneak up on you. Last weekend I was working in the yard and today I wake up to this. Don’t let this happen to your finances! If you own a home and are struggling with credi

November 12, 2019 @ 12:19 PM
Posted by Craig Nickerson, B. Comm

Ready to make money investing in real estate?

Looking to become a landlord? We specialize in helping people just like you build wealth through succesful real estate investing! Call (613)394-5810 or send us a message today,

November 11, 2019 @ 1:21 PM
Posted by Craig Nickerson, B. Comm

There's snow way you should be paying credit card interest rates!

If you have owned your home for at least 2 years and you are carrying credit card or higher interest loan debt, give your head a shake! Then pick up the phone and give us a call at (613)394-5810

October 21, 2019 @ 4:12 PM
Posted by Craig Nickerson, B. Comm

Monday to do list

1. Vote. 2. Call Craig to review your mortgage. We may vote in federal elections every 4 years (thank goodness!), but there is no excuse to wait until just prior to renewal to rev

October 12, 2019 @ 11:03 AM
Posted by Craig Nickerson, B. Comm

House hunting this weekend?

Out shopping for a house this weekend? Your bank might be closed until Tuesday, but we're open to talk mortgages when it's convenient for you! Call (613)394-5810 or send us a m

October 10, 2019 @ 5:04 PM
Posted by Craig Nickerson, B. Comm

What are you doing at 6:50 am?

You might have been in bed, but we were already on the road to meet our first client of the day! Is your bank or broker working this hard for you? If the answer is no, please g

October 5, 2019 @ 6:22 AM
Posted by Craig Nickerson, B. Comm

Fall in love with a great house this weekend?

We’re open to talk mortgages when it is convenient for you! Why risk losing out on a great property just because your bank is closed until Monday? Feel free to call, text or email w

October 3, 2019 @ 8:19 AM
Posted by Craig Nickerson, B. Comm

We're here to help over the long term!

This is a message from an actual client: Hi Craig I’m so happy to find you.I was your client many years ago when you were with _________I need help and would love to meet with you at your conv

October 1, 2019 @ 6:41 AM
Posted by Craig Nickerson, B. Comm

Can I used CCB to help qualify for a mortgage?

Many banks say no, but we have several 'A' lenders that will allow you to use the income towards qualification as long as the children are 12 years of age are younger. If you had one over

September 29, 2019 @ 6:31 AM
Posted by Craig Nickerson, B. Comm

Sitting in bed thinking about mortgages?

Even on a beautiful Sunday morning, we are still available to help answer your questions to help you. Remember the only stupid question is the one you don't ask, so please feel free to cal

September 17, 2019 @ 10:17 AM
Posted by Craig Nickerson, B. Comm

Save your house!

Are your finances at the tipping point? If you are behind on your mortgage/taxes and are on the verge of bankruptcy or foreclosure, we still might have options to help you! We have a

September 13, 2019 @ 1:45 PM
Posted by Craig Nickerson, B. Comm

Rate increase alert!

Based on movements in the long term bond yields, many of our best lenders are raising their fixed mortgage rates on Monday. If you are looking to lock in a great deal for a purchase or a r

June 11, 2019 @ 7:44 PM
Posted by Craig Nickerson, B. Comm

Drop Drop Drop

How low can you go? We now have 5 year fixed rates (CMHC insured) for as low as 2.74% on purchases. Limited time offer. Call (613)394-5810 today!

April 21, 2019 @ 10:29 AM
Posted by Craig Nickerson, B. Comm

Tired of waiting for your approval?

Tired of sitting around waiting for your bank to approve your mortgage? Let us put a smile on your face! Give us a call today for a quick approval (at a great rate!) Call (613)394-58

April 19, 2019 @ 11:12 AM
Posted by Craig Nickerson, B. Comm

Out shopping for a house on the long weekend?

We're available to talk mortgages (even on holidays!). Why risk losing out on a great house just because your bank isn't avaiable to help you? Call (613)394-5810 or send us a message.&nbs

April 17, 2019 @ 12:04 PM
Posted by Craig Nickerson, B. Comm

Less than 3% for 5 year variable AND fixed rate mortgages

Looking for less than 3% on a 5 year fixed rate mortgage? Your search has ended. We have some terrific offerings (both fixed and variable) at less than 3% for clients with strong credit. The

April 13, 2019 @ 7:02 AM
Posted by Craig Nickerson, B. Comm

Find a great house this weekend?

Find a great house this weekend? We're available to help you find a great mortgage as well! With rates having dropped significantly over the last few weeks, we can get you a lower rate than

April 10, 2019 @ 6:18 AM
Posted by Craig Nickerson, B. Comm

Don't be fooled!

Don't be fooled by misleading offers from your bank, as despite what BMO says (for example), there is nothing SMART about a mortgage that is fully closed for the term!What does this mean? Last night I

March 26, 2019 @ 11:06 AM
Posted by Craig Nickerson, B. Comm

Rates are dropping!

Spring is here, and so are lower rates! Right now our best lenders are beating each other up to offer some terrific fixed rate deals. Even if you already have something approved with a

January 21, 2019 @ 3:06 PM
Posted by Craig Nickerson, B. Comm

Buying out your ex!

Did you know that in the case of a marital split, you can buy your partner off title using up to 95% of the equity in the home?In order to qualify, both parties must be on the title of the property pr

January 18, 2019 @ 10:08 AM
Posted by Craig Nickerson, B. Comm

Stop foreclosure!

On the verge of foreclosure? We have an extensive network of private lenders that might be able to help! Call (613)394-5810 or send us a message!

October 19, 2018 @ 10:00 AM
Posted by Craig Nickerson, B. Comm

We did it again!

We did it again! I am extremely proud to be named Trenton's favourite mortgage broker (for the 9th consecutive year) by readers of the Trentonian. A heartfelt thanks to all my amazing client

October 8, 2018 @ 7:00 AM
Posted by Craig Nickerson, B. Comm

We are open!

Jump for joy! If you want to talk mortgages even on Thanksgiving we’re available for phone consultations. Happy Thanksgiving!

May 3, 2018 @ 6:05 AM
Posted by Craig Nickerson, B. Comm

Posted this APS?

With interest rates trending upwards, it’s never too early you get a mortgage preapproval. Call (613)394-5810 or send us a message. #militarymortgageprogram #veric

April 15, 2018 @ 10:55 AM
Posted by Craig Nickerson, B. Comm

Fixed interest rates are going up!

Rates are on the way up! Many of our top lenders have raised fixed rates in the last few days, but a few are still holding out. If you are buying this spring/summer and you don't have your in

March 28, 2018 @ 9:11 AM
Posted by Craig Nickerson, B. Comm

Expanding your comfort zone

In a rapidly rising real estate market, families looking to purchase a house are often pushed to the edge of their comfort zone. Situations like these are where great advice matters.

February 5, 2018 @ 3:31 PM
Posted by Craig Nickerson, B. Comm

January 2018 Quinte MLS Statistics

Yet another month that can only be described as a seller's market. Average residential sales price for January was $305,180, up an incredible 19.3% year over year, while the total number

January 17, 2018 @ 1:19 PM
Posted by Craig Nickerson, B. Comm

Simpligo joins the Verico Network!

We are proud to announce that Simpligo Inc. is the newest member of the Verico Network! Look for some amazing new innovations coming soon in 2018!

November 18, 2017 @ 7:53 AM
Posted by Craig Nickerson, B. Comm

There is no such thing as a stupid question

Informed borrowers make smart decisions. My primary job is to make you an informed borrower. How can I do that? By educating you about exactly what to expect at every stage of the

November 10, 2017 @ 2:35 PM
Posted by Craig Nickerson, B. Comm

A great success story!

Another huge win to end the week.Received a call on October 29th at 8pm from one of my realtor partners. His client had purchased a home that was set to close on November 1st but there was an issue wi

October 27, 2017 @ 11:29 AM
Posted by Craig Nickerson, B. Comm

Upcoming qualifying rate change!

Effective the week of October 30, 2017, the Bank of Canada is changing it's 5 year benchmark qualifying rate to 4.99%. Not a huge change, but it will reduce the puchasing power of high rat

October 13, 2017 @ 3:18 PM
Posted by Craig Nickerson, B. Comm

A big thank you to all my customers!

For the 8th consecutive year I am humbled to have been voted Quinte West's favourite mortgage broker by readers of the Trentonian. However, I am more thrilled with being named Quinte West'

October 2, 2017 @ 9:03 AM
Posted by Craig Nickerson, B. Comm

Bank of Canada Qualifying Rate Change

Effective the week of October 2, 2017, the Bank of Canada qualiying rate has increased by 5bps to 4.89%. The 5-year benchmark qualifying rate published by the BoC was put into le

September 29, 2017 @ 9:28 AM
Posted by Craig Nickerson, B. Comm

Modernizing the relocation services model!

Some long overdue changes in the relocation program that helps address some of the concerns I have heard from many families over the years. Please follow the link to read more.

September 12, 2017 @ 1:22 PM
Posted by Craig Nickerson, B. Comm

There is more to a mortgage than just rate

When scanning through the myriad of mortgage advertisements online, it can be quite a daunting task to figure out who to call to discuss mortgages. Most brokers or agents all seem to promise th

August 30, 2017 @ 9:16 AM
Posted by Craig Nickerson, B. Comm

Today is a great day to save money on a mortgage

Flash sale: 5 year fixed rate mortgages 2.79%. Valid for high-ratio insured purchases only closing prior to October 31st. Call (613)394-5810 before these great rates disappear

April 6, 2017 @ 9:31 AM
Posted by Craig Nickerson, B. Comm

March 2017 Quinte MLS statistics

If these latest stats don't point to a bubble, I really don't know what else would: Average Residential Sold for March 2017 $308,324 Average Residential Sol

March 29, 2017 @ 1:39 PM
Posted by Craig Nickerson, B. Comm

Increase your cash flow!

Looking to refinance to pay credit card bills, complete home renovations or pay your income taxes? With the recent run up in property values locally, you may have more options than you think.This week

March 1, 2017 @ 10:11 AM
Posted by Craig Nickerson, B. Comm

A tip to help you during hot real estate market

The madness of the GTA real estate market has finally hit the Quinte area (Belleville/Trenton). Buyers, having been priced out of the outer rings of the GTA (Oshawa, Clarington, Cobourg) buyers

January 13, 2017 @ 9:33 AM
Posted by Craig Nickerson, B. Comm

Quinte MLS statistics December 2016

On the residential side, number of listings are down and prices are up. For properties at the lower end of the market (under $250K), there has been competing offers on almost every new listing

January 9, 2017 @ 12:03 PM
Posted by Craig Nickerson, B. Comm

Private money available!

Behind on your property or income taxes? Short term credit blemish due to divorce or job loss? Verifiable income too low for institutional lenders? We have LOTS of local (private

October 6, 2016 @ 10:05 AM
Posted by Craig Nickerson, B. Comm

An easy to read summary of the mortgage rule changes

The Department of Finance threw a major wrench in the gears on October 3rd by making huge material changes to the way that many borrowers get qualified. Here's a summary of an easy to read rund

October 5, 2016 @ 11:17 AM
Posted by Craig Nickerson, B. Comm

Thank you Quinte West!

For the 7th consecutive year, I am humbled to have been named Trenton's favourite mortgage by readers of the Trentonian. A far greater honour, however, is being named Trenton's favourite

October 5, 2016 @ 10:55 AM
Posted by Craig Nickerson, B. Comm

Big changes in Canadian Mortgage Regulations

This is important news for all members of the military and is well worth reading the entire article. http://www.verico.ca/michael_campbell_insuredmortgages/ Currently all lenders in Canada are allow

August 24, 2016 @ 10:36 AM
Posted by Craig Nickerson, B. Comm

Reverse mortgages

We do reverse mortgages! Compared to when they first hit the market years ago, the product offerings are now extremely competitve and would make a reasonable addition to your retirement income s

August 22, 2016 @ 4:07 PM
Posted by Craig Nickerson, B. Comm

5 year fixed rate mortgages - 2.34%

5 year fixed rate mortgages at 2.34% for new deals closing before the end of September. This is a full feature mortgage with good prepayment and portability options. Wow! #lowratemortga

December 1, 2015 @ 9:49 AM
Posted by Craig Nickerson, B. Comm

Thank you Trenton!

For 2015, I am happy to announce that I have been named Trenton's favourite financial planner and Trenton's favourite mortgage broker in the Reader's Choice awards sponsored by the local newspaper. &n

October 19, 2015 @ 12:20 PM
Posted by Craig Nickerson, B. Comm

September 2015 Quinte MLS Statistics

With year over year prices up nearly 10%, September was another strong month for the local real estate market. With temperatures dropping quickly, however, expect the usual seasonal slowdown to

June 30, 2015 @ 9:37 AM
Posted by Craig Nickerson, B. Comm

May 2015 Quinte MLS statistics

The real estate market in the Quinte region has enjoyed a very strong spring so far. Prices are up, and good homes in the Trenton market have been selling shortly after the sign has hit the law

February 12, 2015 @ 8:49 AM
Posted by Craig Nickerson, B. Comm

January 2015 Quinte MLS statistics

Once again in January the lower priced homes seem to be moving well, likely as a result of recent interest rate drops. In speaking with many Realtor colleagues in the Trenton area, there

February 9, 2015 @ 9:55 AM
Posted by Craig Nickerson, B. Comm

December 2014 Real Estate Statistics from Quinte MLS Board

December_2014_Quinte_MLS_statistics.pdf Stats are a little deceptive, as the increase in the price of new homes seems to continue to distort the average a little bit. With the real esta

January 21, 2015 @ 1:34 PM
Posted by Craig Nickerson, B. Comm

Proud supporter of the Trenton Military Family Resource Centre

#trentonmfrc #trentonmortgages

January 21, 2015 @ 12:47 PM
Posted by Craig Nickerson, B. Comm

Prime rate drop!

In a bit of a surprise move, the Bank of Canada dropped the prime rate by 0.25% to 0.75% today. When combined with some aggressive variable rate pricing now available in the marketplace,

April 2, 2014 @ 8:11 AM
Posted by Craig Nickerson, B. Comm

Re-licensing time!

The rites of spring - snow finally melting, the birds returning, and renewing your license to trade in mortgages through FSCO, the Financial Services Commission in Ontario.. Required every 2 years, m

February 28, 2014 @ 10:16 AM
Posted by Craig Nickerson, B. Comm

CMHC Increases Mortgage Premiums

http://www.cmhc.ca/en/corp/nero/nere/2014/2014-02-28-1100.cfm The news release really speaks for itself. Pretty tough to justify a premium increase as anything other than another form of taxat

June 11, 2013 @ 3:14 PM
Posted by Craig Nickerson, B. Comm

Last chance for less than 3% on a 5 year fixed rate

Rates are going up again. If you are looking to buy, refinance or renew in the next 120 days, June 11th might be your last chance to lock in a 5 year interest rate of less than 3%.

December 21, 2012 @ 9:44 AM
Posted by Craig Nickerson, B. Comm

Thank you Trenton

Thanks again to all of my clients, colleagues and business partners for a tremendous 2012. I truly value your business, and look forward to working with many of you again in the new year. I am

January 24, 2012 @ 11:43 AM
Posted by Roar Admin

Welcome

Welcome to my new Website. I hope you find the information interesting. Should you have any questions, please feel free to contact me.

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