March 2, 2020. I hiked uphill through unplowed snow to see a cottage, sick one-year-old on my hip, no snowsuit, freezing floors, and put in an offer the same day.
Mike had never seen it. He trusted me anyway. We bid higher than my comfort zone.
We won.
We had built up enough equity in our home to purchase the cottage outright. No second mortgage. Just years of equity finally doing exactly what it was always capable of doing.
And then the world shut down.
Three weeks later we closed on March 27th. Because of the pandemic, we never got our final walkthrough. We couldn’t even travel up there. We had committed to a place only I had seen once, in the middle of the most uncertain moment of our lives.
I remember exactly what that felt like. The excitement. The fear we had taken on too much. That we would be house poor. That we had made a massive mistake at the worst possible moment.
Every single one of those fears is gone now.
When we pull up to Bear Lake, a wave of peace comes over us. The weight of the world lifts. Aksel runs ahead. We make our way down to the dock. And nothing else exists.
It is our happy place. It always will be.
I became a mortgage agent because I know what it feels like to be on the other side of that decision, scared, excited, second-guessing everything, hoping you are making the right call.
You might be closer than you think. The equity sitting in your home right now might already be the key.
If you are sitting with that fear about a move-up, a second property, or a next chapter, I would love to talk.
—
Lora Fenn | Mortgage Maven ✨
📞 705-881-2780
📧 lfenn@dominionlending.ca
🌐 lorafenn.ca
Mortgage Agent Level 1
Dominion Lending Centres YBM Group
Serving Barrie, Oro-Medonte, Simcoe County, Collingwood, Muskoka — and clients across Canada 🇨🇦
Leave a Reply