Dropping Rates

New rate just in:

3.25% is available with 40 year amortization feature. Must have 20% down and close by end of Feb.



While the interest rates are on the rise, some Lenders have specials on until the end of
February.

The clients that can get these rates are clients buying homes or clients switching Lenders to get a better rate.

For a free consulation, contact me. I can tell you what rate you would get, how much you would save over the course of your mortgage and how you can shorten the length (in years) of your mortgage.

This service is free and without obligation. oac.


Thank you

Angela Kroemer, AMP
Mortgage Professional
1.250.650.4182
1.888.679.0190
akroemer@mortgagegroup.com
www.ComoxValleyMortgagesToday.com
TMG The Mortgage Group Canada Inc.

Interest Rates Dropping?

2011 has certainly been a silly year for Interest Rates.

Before it was the normal to get a varible rate now it is the normal to get a fixed rate.

Just when you think Bank of Canada will raise their rate , it stays the same.

And now, when everyone says the rates will be rising, I get a email to say, stay tuned because the rates will be dropping.

Will everyone drop their rates? I am not sure but I do have a Lender that says they will be dropping their rates.

So for now , it would be very beneficial for you to get on my contact list, so I can send you the Interest Rate updates.

Why pay more for your mortgage when you do not have to.

Email me or phone me to get on my interest rate contact list.
You can always go to my website and sign up there.
http://www.ComoxValleyMortgagesToday.com


Thank you
Angela Kroemer, AMP
Mortgage Professional
1.888.679.0190
akroemer@mortgagegroup.com
www.ComoxValleyMortgagesToday.com
TMG The Mortgage Group Canada Inc.

Busy Time of Year-- You Still Need to Switch Over Your Mortgage

Some say it is the busiest time of the year, getting ready for Christmas. Not too much time to do anything else.

Also, if you are like many with a mortgage either fixed or varible you have been reading that there are great sales on interest rates. You have been meaning to look into these rates but just have not had the time.

OR

You just saw your dream house and now is the time to buy.

Good news is here.

Phone up a mortgage broker. Also known as mortgage professonal and mortgage consultant.

Why?

A mortgage broker does all the work. They work with your schedule. The first consultation takes about 1 hour. Can be done over the phone, or you can ask the mortgage broker to email you an application and you can fill it out and send it back.

The next phase is any questions the mortgage broker has about your application. Probably 15 minutes.

The mortgage broker will let you know which documents that they will need and can pick up at your place of work,home, or you can fax or email them. 15 mins

Next, the mortgage broker sends in your application and documents. Gets back to you about any other documents the lenders are requesting. Probably another 15 mins.

You send your paperwork to the mortgage broker or the mortgage broker drops by your place of work or home and picks up paperwork. Maybe 15 mins for that transaction.

Mortgage broker sends in the paperwork. If all looks great, the mortgage broker will email or call you and let you know it is time to make an appointment with a Lawyer or Notary Public.

You make an appointment with a Lawyer or Notary Public to sign the final paperwork. That would be about 15-30 mins for that appointment.

You are done. All the work has been done for you and you have a mortgage with great rates. The time it takes you is less than 3 hours to save money on your mortgage.


Thank you
Angela Kroemer, AMP
Mortgage Professional
1.250.650.4182
1.888.679.0190
akroemer@mortgagegroup.com
www.ComoxValleyMortgagesToday.com
TMG The Mortgage Group Canada Inc.

More Storage Ideas For Your Home

Weather you are thinking about up sizing, down sizing or just staying put, new storage ideas are always welcome and needed. They have a few more inventions at our local Building stores that can make any house organized.
This article has some great ideas on how your home can be made clutterfree.

Your home has a place for everything; you just need to find it

Calgary HeraldNovember 17, 2011

BY JACQUELINE LOUIE, FOR HOME RENOS

Whether it’s under the deck or above the garage, companies are finding unique ways to help homeowners store their stuff.

“Good organization is the best use of space,” says Don Fetherstonhaugh, president of The Garage Store, a company that focuses “every inch of space inside a garage, to make it more useful and more attractive.”

He says in a normal household, the garage is usually the largest space. “But it is also usually the most under utilized space in the house,” says Fetherstonhaugh.

Typically, garages become an overgrown closet for junk, he says.

Because of people’s busy day-to-day lives, the first thing they see in the morning when heading off to work, is usually the garage. It is also the first thing they see when they return from a hard day’s work.

An unorganized garage sets the whole day in motion, says Fetherstonhaugh.

By spending time sorting through storage solutions, homeowners can be shown how to double or triple the storage space by properly utilizing wall and ceiling air space, he adds.


WALL SPACE

Manufacturers have introduced a series of flat PVC polymer wall storage systems that come with hundreds of different accessories to hang items such as golf bags, fishing rods, bicycles, rakes, hoses, electrical cords and miscellaneous tools.


UPPER AIR SPACE

“We take a look at the ceiling and try to adapt a storage system to the individual ceiling space,” Fetherstonhaugh says.

“That storage can be massive. For example, you can have a large unit that will hold 40 or more large rubber plastic containers for a nice, neat storage nook.”

There are also motorized storage devices that will allow you to lift items up to a storage platform.

The latest gadget, is a four-by-eight storage system called a motorized rack. You press a button and the entire rack comes down to the floor; you load it up with your things, and motorize it back up into place again.

Bicycles are one of the more difficult things to store in a garage, because when stored “they are gangly devices.”

However, motorized storage devices can take bikes two at a time and lay them flat onto the ceiling of the garage, says Fetherstonhaugh.


TRUSSES

Homeowners can also utilize the expertise of a contractor or renovation company to custom build storage solutions and make the most of any living area.

Using custom designs and fabricated specialty truss systems, Star Building Materials is able to include storage space in the truss when building a garage, giving the homeowner immediate bonus storage space.

“They are eight-foot two-inches wide and three-feet high and allow you to utilize all the space up top,” says Star Building Materials sales manager Lorrie Wood. “It uses a space in the garage which would otherwise be useless.

“You’re able to store all kinds of things like Christmas trees, empty boxes, seasonal items and other household items.”


UNDER DECK

While most homeowners find the space under their decks are catch-alls for stray balls, dog toys and grass clippings, it can also be used to store seasonal items.

In fact, Star Building Materials under-deck storage kit featuring a two-by-four foot drawer that can be used to store such things as toys and seasonal items.

“It puts it in a nice neat box — like a children’s toy box,” Wood says.


JUST ASK

The bottom line is if you can’t think of where to store your stuff, just ask. Home building stores and renovation companies have numerous ideas when it comes to storage options, whether it is closet organizers, storage under the stairs or in the rafters.

© Copyright (c) The Calgary Herald



Thank you
Angela Kroemer, AMP
Mortgage Professional
1.888.679.0190
akroemer@mortgagegroup.com
www.ComoxValleyMortgagesToday.com
TMG The Mortgage Group Canada Inc.