Archive for August, 2009

In our previous article we wrote about what a mortgage agent can do for you, we spoke about the role of a mortgage agent vs. The Bank.

However with literally 100’s of mortgage agents in the Ontario marketplace we feel its necessary now to let you know what BestRateGuys.com can do for you.

The role of a mortgage agent is quite typical, we all do pretty much the same core activities:

• First time homebuyer mortgage financing
•  2^nd mortgage financing /equity take out
•  Renewals or switched mortgage financing
•  Mortgage protection insurance

How ever it is the quality of service that sets us apart form the others, after all you just don’t want anyone handling your financial affairs.

At BestRateguys.com it is our continuing mandate to ensure our clients are satisfied with our service. We follow one basic principal:

” if your not satisfied, we are not satisfied”.

In a business where reputation is everything, we relay on our clients past and present, to feel good about our services and pass along their experience With others, that’s how we achieve nearly 90% of our new clientele.

           Our commitment to excellent includes:

• Understanding any obstacles you have - after all we are all human, sometimes obstacles are an inevitable part of life.
• Educating you on the mortgage process - not everyone knows the ins and outs of mortgage financing.
• Being patient - this is a big decision, we know that! Take your time, we are hear to help when you are ready.
• Answer all questions- no question is too big or too small, ask away… we love to answer questions!
• Creating confidence - we will only recommend you for a mortgage if we feel confident in you! if mortgage financing is right for you, feed off of our confidence.
• Confidentiality - All you information is secure with us, as is the entire process. We are bound by ethics and the Financial commission of Ontario to protect your information!
• Not aggressive - if you do not qualify for a mortgage, or want sometime to think about it, we understand. We will not push you into anything you are not 100% sure on.

Besides all these wonderful attributes, we also pride ourselves on “constant contact” even after you mortgage financing is approved and closed. From time to time we will let you know about

Rate changes in the market place and possible ways to save money, after all you have better things to do then watch out for market changes. And of course, we are always here to answer any questions that may come to mind… 1,2, 3 years down the road.

After all, the BestRateGuys.com team is constantly keeping up to date on market changes and we are educated not only academically but also with experience.

In addition we offer other programs that other Agents may not.

• We have access to over 52 lenders and several private lenders. - so we actually “shop around” for the best mortgage rate, and don’t just settle.
• Our best rate guarantee - check it out!
• Secured Visa - our secured visa program makes it easy for you to obtain a credit card, even when the bank says no.
• Monthly promotions that could be beneficial to you.
• Exclusive lender relationships - over the past while we have developed a terrific relationship with some of our lenders, in tern , they have offered us some exclusive rates, for our clientele base.

     These are only a few points of what BestRateGuys.com has to offer you. When you use BestRateGuys.com you using your best choice in the mortgage market!

                To learn more about our service,  contact us today!

It's about a choice The BestRateGuys.com provides Canadian homeowners with access to the hundreds of mortgage products available through Canada's many banks, trusts, credit unions and Mortgage Companies. Typically our services are free of charge, AND YOU, our customers can select from the best mortgages, at the best rates, available in the marketplace! You should insist on expert advice AND professional service. A typical Financial Institution will provide you with information on the mortgage products THEY sell; while we will help you decide which Financial Institution, and which mortgage OFFER, is the best one for you.

It's about making the right decision More and more Canadians are discovering that the best mortgage decision they can make is to choose to work with us.

Take the next step now and contact us to ensure you receive expert and unbiased advice - and the professional service you deserve.

Start now. Apply online, in person or by phone @ 1.866.RATE.033 and let us help get you into the home of your dreams.

The BestRateGuys.com lowest rate guarantee is our commitment to find you the lowest possible Canadian fixed mortgage rate in terms of your situation. If we can't at least match an offer made another financial institution we will give you a $50.00 gift card just for giving us a try. Really, what have you got to loose? Call us today to discuss your mortgage options. See terms and details of $50.00 give away offer. Interested in learning more about mortgages? Subscribe to our news and articles blog on our website. This will give you up to date mortgage information brought directly to your email inbox.

Check Us Out on Social Networking Sites

Or Click to Call Us

Sincerest Regards,

Paul Smith

Mortgage Agent

VERICO Designer Mortgages

www.BestRateGuys.com

FSCO Licence M09000027

Are you paying too much for your mortgage?  Currently the BestRateGuys.com Team are offering mortgages rates as low as 2.75%.  Check out our rates page for full details.  We guarantee to find you the lowest rate or we will give you a $50.00 gift card just for letting us try.  Show us what your financial institution is offering you and if we can beat it, you get $50.00.  See terms and details.

Want more info about mortgages?  Visit us on other social media sites:

www.Facebook.com/Paul3647

www.Twitter.com/Paul3647

www.MySpace.com/BestRateGuys

www.YouTube.com/BestRateGuys

Did you know that the Ontario Government is offering property tax credits of as much as $625.00?  For individuals that are under the age of 65 may be eligible for credits up to $250.00 and individuals over 65 may be eligible for a credit of up to $625.00.  This credit is designed to help people in Ontario with low to moderate incomes that pay property tax and is administered through the federal income tax system.

Who Can Qualify?

• Must be a resident of Ontario on December 31
• You or someone else paid property tax on a principal residence in Ontario
• You were 16 years of age or older on December 31

*NOTE If you were 19 and you lived with someone who received a Canada Child Tax Benefit in the year you would not be eligible for the Property Tax Credit.

How Do You Apply?

Great question!  Complete a Form ON479, Ontario Credits.  Once you have completed the form submit to Canada Revenue Agency.

Thank you for taking the time to read BestRateGuys.com blog.  We appreciate your feedback, so please leave your comments below or click the “comment” link at the top of this article.  For your mortgage needs contact us today @ 1-866-978-9768.  You can also complete a secure application form to see how much you can be approved for.

Some terrific news from the Canadian Real Estate Association. A recent announcement by the association yesterday is forecasting:

Home resale’s are now expected to total 432,600 units this year, the association says, only 0.4 per cent less than 2008.
Previously, the expectation was that sales would plunge 14.7 per cent this year.

As well, the average sale price of homes is expected to increase 1.5 per cent this year.

The  province of Ontario is expected to top last year, with a 0.5 per cent increase.

This is some more positive news for the buyers and sellers of Ontario, and Canada as a whole.

It is the job of the Canadian Real Estate Association to present factual information and actuate forecasting in relation to the Canadian Market. For more information from the Canadian Real Estate Association keep checking back for further information and news.

If you would like to know current mortgage rates or updated mortgage news contact us today!

It's about a choice The BestRateGuys.com provides Canadian homeowners with access to the hundreds of mortgage products available through Canada's many banks, trusts, credit unions and Mortgage Companies. Typically our services are free of charge, AND YOU, our customers can select from the best mortgages, at the best rates, available in the marketplace! You should insist on expert advice AND professional service. A typical Financial Institution will provide you with information on the mortgage products THEY sell; while we will help you decide which Financial Institution, and which mortgage OFFER, is the best one for you.

It's about making the right decision More and more Canadians are discovering that the best mortgage decision they can make is to choose to work with us.

Take the next step now and contact us to ensure you receive expert and unbiased advice - and the professional service you deserve.

Start now. Apply online, in person or by phone @ 1.866.RATE.033 and let us help get you into the home of your dreams.

The BestRateGuys.com lowest rate guarantee is our commitment to find you the lowest possible Canadian fixed mortgage rate in terms of your situation. If we can't at least match an offer made another financial institution we will give you a $50.00 gift card just for giving us a try. Really, what have you got to loose? Call us today to discuss your mortgage options. See terms and details of $50.00 give away offer. Interested in learning more about mortgages? Subscribe to our news and articles blog on our website. This will give you up to date mortgage information brought directly to your email inbox.

Check Us Out on Social Networking Sites

Or Click to Call Us

Sincerest Regards,

Paul Smith

Mortgage Agent

VERICO Designer Mortgages

www.BestRateGuys.com

FSCO Licence M09000027

Where to Buy Your Home, Location is Everything

When considering your purchase there are a few things that you should keep in mind regarding the location.  How far are commuting to and from work.  Do you have any children?  How far the is the closet school and are their plenty of recreational facilities near by?  Is there access to shopping, local transit, libraries, churches and hospitals?  It would also be a good idea to check into the crime rate of that neighborhood.  Sometimes there are development plans too that you may not be aware of.  We recommend that you do all the research that you can in advance, this will avoid surprises down the road.

For all of your mortgage questions please contact us @ 1-866-978-9768.  Speak to a professional and learn everything there is to know about buying your first home.  It will be the biggest purchase of you life, make sure you know every thing there is to know.

Comments: please leave them below or click the comment link at the top of the article.  We love your feedback.

Want more info about mortgages?  Visit us on other social media sites:

www.Facebook.com/Paul3647

www.Twitter.com/Paul3647

www.MySpace.com/BestRateGuys

www.YouTube.com/BestRateGuys

Much like most Ontarians you probably have some type of Central Air Unit in your home, or at the vary least have a portable window air conditioner which is humming away through the hot days of August.

What do you do with it when the weather no longer requires you to operate one? Most home owners simply switch it off and are done with it until next season. However here are some basic tips to help protect your unit :

If you have a Central Air conditioning unit, be sure to switch off the unit at the thermostat when you no longer need it. Then make the extra effort to go outside and cover your unit. If you don’t already have one, Air Conditioner covers for central air units can be purchased at most hardware stores, for a  reasonable price ( be sure to measure your unit first). Putting a cover over your central air unit while the winters furry approaches ,will ensure your unit stays free when it is no longer in operation from such things as:  the leaves of fall - they go through the grates of your outside unit and can clog the operation next summer. heavy snow fall and Ice - although this seems innocent enough, heavy snow and Ice can build up on the fan blades of the unit and eventually can cause damage. With a central air conditioner cover, you can use this durable cover year after year to ensure your central air conditioning unit is working when you desperately need to  switch it on next season.

If you have a portable window air conditioner, be sure to remove it from the window  when you no longer need it.

Some people are just to lazy to move it back into storage, however unless it is properly sealed (even then), will cause the cold winds of winter to leak through and cost you money on your heating bills. Not only that, but melting snow can cause damage to the unit itself, as well as possible leaks from your window frame.

If you would like to know tips around the house or ways to better protect your investment from a financial point of view, contact us today!

It's about a choice The BestRateGuys.com provides Canadian homeowners with access to the hundreds of mortgage products available through Canada's many banks, trusts, credit unions and Mortgage Companies. Typically our services are free of charge, AND YOU, our customers can select from the best mortgages, at the best rates, available in the marketplace! You should insist on expert advice AND professional service. A typical Financial Institution will provide you with information on the mortgage products THEY sell; while we will help you decide which Financial Institution, and which mortgage OFFER, is the best one for you.

It's about making the right decision More and more Canadians are discovering that the best mortgage decision they can make is to choose to work with us.

Take the next step now and contact us to ensure you receive expert and unbiased advice - and the professional service you deserve.

Start now. Apply online, in person or by phone @ 1.866.RATE.033 and let us help get you into the home of your dreams.

The BestRateGuys.com lowest rate guarantee is our commitment to find you the lowest possible Canadian fixed mortgage rate in terms of your situation. If we can't at least match an offer made another financial institution we will give you a $50.00 gift card just for giving us a try. Really, what have you got to loose? Call us today to discuss your mortgage options. See terms and details of $50.00 give away offer. Interested in learning more about mortgages? Subscribe to our news and articles blog on our website. This will give you up to date mortgage information brought directly to your email inbox.

Check Us Out on Social Networking Sites

Or Click to Call Us

Sincerest Regards,

Paul Smith

Mortgage Agent

VERICO Designer Mortgages

www.BestRateGuys.com

FSCO Licence M09000027

When you buy your first house, this is a really exciting time…. most people who are leaving apartment life, to go into their new house are often faced with the exciting reality of needing to buy furniture and appliances. Although some houses already come pre paired with appliances, some don’t. Sometimes the furnishings from a 1 bedroom apartment seem inadequate to furnish a entire house.

Start slow- Although BestRateGuys.com will go over a proactive budgeting plan for you, prior to moving into your home…which sets out an approximate budget of how much you will need to spend on utilities, the mortgage, your lifestyle debts and the basic necessities; don’t be so edger to burn through your extra money.

We suggest you start off with the basics. Get a feeling of exactly how much your utilities, mortgage and upkeep will cost each month for at least the first 3-4 months before going on your home shopping spree.  This will protect your wallet if you should come across house related bill that you weren’t expecting. Balancing your new home and your credit debt together will ensure you are a successful home owner.

Lack of furniture?  Here are a few simple ways to fill your house will some low cost ideas.

• Go to the second hand store - often these stores have a furniture section with some quality stuff that others give away for various reasons. Most of which is offered with an extremely low price tag. Remember this is just a starters solution - when your ready you can buy new stuff - and toss the old stuff.
• Throw a house warming party! A prefect way to show off your house to your friends, you may even get a few gifts.
• Major Appliances. I need of some appliances? You can always go to a local used appliance store to get the basics, if your house doesn’t already come equip with them. Besides that look for deals in the paper. Often stores will negotiate package deals with customers who are looking to buy a few items at a time. Don’t be afraid to haggle with them, they will most likely offer a deal, or price match from another stores flyer or internet add.

Remember, as in all situations in life, budgeting is key. After you move into your new home, wait a bit before planning a vacation. Use your vacation time the first year of homeownership to enjoy your new home. a week or two’s vacation from work can give you the much needed time to get better acquainted with your home. you can use this time to paint, plant a garden, do some yard work or throw a dinner party or BBQ for your friends and family. This will allow you not to over extend your wallet in your first year and will give you the much needed uninterrupted time to enjoy your new purchase.

At BestRateGuys.com it is our objective to ensure that you become a successful homeowner. Budgeting in your first year of ownership will give you the foundation of what you need to spend vs. The free money you have to “play” with. Take it from a former first time homebuyer who went from a one bedroom apartment into a 3 bedroom house. Although some rooms stayed empty for the first three months, most of my then furniture came from a second hand store - and what a terrific deal! 7 years later most of my “used furniture” has been replaced with new stuff, but I still keep a few pieces around as a memory of my first year in my home.

In conclusion, take your time - its not a race. At BestRateGuys.com we will go over a comprehensive budgeting plan to offer you advice on your future obligations to your home based of off your current income vs. Liabilities and together with you, we can formulate a plan to assist you in understanding what type of spending range you are left over with.  This is only one of the many services we offer free of charge to better equip you for home ownership.  

If you would like to learn more about our products and services contact us today!

It's about a choice The BestRateGuys.com provides Canadian homeowners with access to the hundreds of mortgage products available through Canada's many banks, trusts, credit unions and Mortgage Companies. Typically our services are free of charge, AND YOU, our customers can select from the best mortgages, at the best rates, available in the marketplace! You should insist on expert advice AND professional service. A typical Financial Institution will provide you with information on the mortgage products THEY sell; while we will help you decide which Financial Institution, and which mortgage OFFER, is the best one for you.

It's about making the right decision More and more Canadians are discovering that the best mortgage decision they can make is to choose to work with us.

Take the next step now and contact us to ensure you receive expert and unbiased advice - and the professional service you deserve.

Start now. Apply online, in person or by phone @ 1.866.RATE.033 and let us help get you into the home of your dreams.

The BestRateGuys.com lowest rate guarantee is our commitment to find you the lowest possible Canadian fixed mortgage rate in terms of your situation. If we can't at least match an offer made another financial institution we will give you a $50.00 gift card just for giving us a try. Really, what have you got to loose? Call us today to discuss your mortgage options. See terms and details of $50.00 give away offer. Interested in learning more about mortgages? Subscribe to our news and articles blog on our website. This will give you up to date mortgage information brought directly to your email inbox.

Check Us Out on Social Networking Sites

Or Click to Call Us

Sincerest Regards,

Paul Smith

Mortgage Agent

VERICO Designer Mortgages

www.BestRateGuys.com

FSCO Licence M09000027

All lenders will thoroughly analyze your credit report regardless of the reason you are applying for credit.  You can be looking for credit to buy something as large as a home or a car, even a credit card, all lenders will fully examine your credit history.

Before lending you money, creditors want to determine how much of a risk you are-in other words, how likely you are to repay the money they loan you. Credit scores help them do that, and the higher your score, the less risk they feel you’ll be.  They are certain practices that you can follow to maintain a high credit score.

Most increases to your credit scores take place over time and require an ongoing effort from you. The only true credit score quick-fixes are to pay down debt and to successfully dispute negative information on a credit report.  It is advisable to obtain a credit report from Equifax on a yearly basis so you can see where you stand, also confirm there are no errors on the report.

Credit scoring software looks at five areas of your credit reports:

• Your Payment History
• Amounts You Owe
• Length of Your Credit History
• Types of Credit Used
• Your New Credit

You can improve your credit scores by taking a close look at your credit reports and charting a plan of action to improve them.

For any questions that you may have about credit or mortgages please feel free to contact us @ 1-866-978-9768 or leave us a comment.  Our name is our commitment to you BestRateGuys.com, if you find a better rate, we will match it or give you a $50.00 gift card just for letting us try.  That’s our best rate guarantee!

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