Archive for September, 2009

Special: Mortgage renewal or closing coming up within 30 days – 5 year fixed rate 3.84%

Call The BestRateGuys.com Team, today to find out more about how you can cash in on this amazing offer.

Flipping houses is a hot topic these days. Here are 10 tips to help you find the perfect flip from HGTV’s The Big Flip renovator’s John Stassen and Randy Mackay.

1.      Find properties that are diamonds in the rough - homes that are rundown in comparison to those around them - as these often have a low list price.

2.      Are the surrounding properties well maintained? This can add value and clinch a sale when your house goes back on the market.

3.      Scrutinize previous renovations. Poor quality workmanship can mean you have paid a premium for finishes that you will have to repair or replace yourself.

4.      Can you add bathrooms, storage or enlarge a small kitchen to meet the needs of today’s average family? If you can’t, walk away, as these features often make or break a sale.

5.      Ensure you do a thorough home inspection before purchasing properties - this could save thousands of dollars in the long run.

6.      Identify your potential buyers (i.e. young professionals or families) and design the house with their needs in mind.

7.      Find a real estate agent who understands the market. There are thousands of real estate agents; get one who is experienced and understands the business of flipping houses!

8.      Do your research and find areas that are up and coming. Neighborhoods that are in the early stages of being gentrified often contain homes that offer large returns on their investment.

9.      Be realistic with your budget and always leave room for hidden costs. Early budget optimism can mean cost cutting later on, which means sacrificing quality - and profits - in the final sale.

10.  Keep your eye out for properties with good layouts that can be easily updated with new paint and trim. You may get lucky and find a home that’s a good price and only needs finishing touches, adding tens of thousands of dollars with minimal investment.

Source: (Article by John Stassen and Randy Mackay / www.hgtv.ca)

for more information regarding this exciting investment and the type of mortgage that will best fit this type of venture, contact us today!

Thinking of building a Secondary or Garden Suite? Canada Mortgage and Housing Corporation (CMHC) offers financial assistance for the creation of a Secondary or Garden Suite for a low-income senior or adult with a disability - making it possible for them to live independently in their community, close to family and friends.

What is a Secondary Suite and a Garden Suite?

A secondary suite, sometimes called an in-law suite, is a self-contained separate unit within an existing home or an addition to a home. This means there are full kitchen and bath facilities as well as a separate entrance.

A garden suite is a separate living unit that is not attached to the principal residence, but built on the same property. Garden suites are sometimes referred to as “granny flats” because they were originally created to provide a home for an aging parent of a homeowner. Like a secondary suite, a garden suite is a self-contained unit.

Who Can Apply?

You may be eligible to receive assistance if:

• You are a homeowner or private entrepreneur owning residential property that would accommodate an affordable, self-contained rental unit for a low-income senior (65 years of age or more) or adult with a disability.
• Your property meets with the applicable zoning and building requirements.
• You consent to enter into an Operating Agreement that establishes the rent that can be charged during the term of the Agreement.
• You also agree that the household income of the occupant(s) of the newly created self-contained unit will be below a CMHC set level.

 Financial Assistance:

The assistance is in the form of a forgivable loan that does not have to be repaid provided that you, as the owner, adhere to the conditions of the program. The maximum loan available varies in accordance with the geographic zone in which the property is located.

Zone 1 - Southern areas of Canada: Max Loan/Unit is $24,000

If you would like to know more information regarding this offer or others contact us today!

(Source: Canadian Mortgage Housing Corporation/ www.cmhc.ca)

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

CMHC has added environmentally friendly features to the Mortgage Loan Insurance it offers. If you use CMHC insured financing to buy an energy-efficient home, purchase a house and make energy-saving renovations or renovate your existing home to make it more energy-efficient, a 10% refund on the Mortgage Loan Insurance premium may be available. You could also have the added flexibility of a longer amortization (the period of time required to repay your mortgage) from 25 years to a maximum of 35 years for loan-to-value ratios in excess of 80% (or 40 years for loan-to-value ratios of 80% or less), significantly reducing your monthly payments.

The Government of Canada actively promotes energy conservation and initiatives to reduce greenhouse gas emissions that contribute to climate change.

If you would like to know more about this promotion or about other offers 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

How would you like to earn $100.00 CASH? It’s easy, simply refer a friend to us and get your 100 bucks!

For each successful lead we will render $100.00. It will be the easiest money ever earned, we promise.  To refer a friend simply forward the information to us one of two ways:

call 1-866-978-9768 or visit our contact us page on the website.

People that work in the mortgage business depend on referrals from people like you. If you know of anyone that might be in the market for a mortgage just let us know, we will take it from there.  You don’t have a friend that needs a mortgage?  What about you, contact us to review all of your mortgage options.  You can also complete a quick secure application to get pre-approved for your home today!

Although we discuss First Time Home buyers frequently, we also arrange Home-Equity Loans, Renewals, Refinances and much more. To see a complete list of services that we provide visit our website.

Thank you for taking the time to read our blog. If you like what you see please subscribe to our newsletter. Also, we love feedback. Tell us what is on your mind by leaving a comment.  Contact us today for all of your mortgage needs. 1-866-978-9768

Do you like learning about mortgages?  You can subscribe to our news and articles blog to get up the date information brought direct to your email inbox.  Also, you can visit us on other social networking sites:

• www.Twitter.com/Paul3647
• www.Facebook.com/Paul3647
• www.YouTube.com/BestRateGuys
• www.MySpace.com/BestRateGuys

You can also get a free no hassle consultation about your needs for financing by contacting us toll free
@ 1 866 978 9768.

The BestRateGuys.com Team, our name is our promise to you.  We absolutely guarantee to find you the lowest possible Canadian mortgage rate by searching all across Canada for the best lender to suit your needs.  If we cannot at least match an offer that another financial instatution has offered you, we will give you a $50.00 gift card just for giving us the chance.  Really, what have you got to loose, give us a call today toll free anytime at  1-866-978-9768.  We will look forward to hearing from you.

Rules and Regulations for $100.00 give away refer a friend program:

· This offer is subject to client OAC. Subject to change / expire without notice.

· All applicants must meet our lenders individual and industry standards for mortgage financing.

· This offer is issued by the BestRateGuys.com Team. Paul Smith and Malcolm MacDonald.

· This offer is valid only to clients who reside in and are seeking financing in the province of Ontario.

· All approved referral deals must have a referral source announced prior to closing. Any reference to a referred deal after closing has occurred, will not be accepted and will not render a gift cheque.

· Approved $100.00 Gift recipients will have their cheque mailed out to the address provided to BestRateGuys.com at the time of initial contact ,after 3 weeks of closing. If possible we will self deliver the check to the recipient.

· This offer is limited to first time homebuyers, refinance /switched mortgages 2nd mortgages. Not applicable to any other products and services..

· The $100.00 gift check will have its value in Canadian funds.

· Bestrateguys.com will not be responsible for any loss or damage to the gift cheque while in the mail or thereafter.

· BestRateGuys.com reserves the right to revoke a referral relationship if we find a client has been referred to us through an inappropriate means.

· Bestrateguys.com has the right to discontinue this program at anytime without notice.

· BestRateGuys.com will only send the Gift Cheque to the address of the referral source given at the time of initial contact, and will send by regular Canada Post Mail. It is the responsibility of the recipient to collect this mail at the given address.

· This Promotion calls for a referral gift cheque in the amount of $100.00, therefore no other type of referral gift will be negotiated or rendered.

· Some deals may take longer then others to process, during which time the BestRateGuys.com Team can not suggest a time frame as to if and when the deal will close to the referral source. Any Information pertaining to the deal will be in confidence between the applicant and mortgage agents at no point will any disclosure of any type or form be given to the referral source

Some interesting facts from Statistics Canada

The BestRateGuys.com team is currently offering a 5-year fixed mortgage rate as low as 3.99%.  For more information about this unbelievable promotion please contact us @ 1 866 978 9768 or complete a secure online application.  Terms and conditions apply.  For more details on rates visit our current rates page. 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’t match it, you get $50.00.  See terms and details.

Interested in learning more about mortgages?  Call us toll free @ 1 866 978 9768, also subscribe to our news and article blog or visit us on other social networking sites:

www.Facebook.com/Paul3647

www.Twitter.com/Paul3647

www.MySpace.com/BestRateGuys

www.YouTube.com/BestRateGuys

For most Canadians, your home is your most important investment. But owning a home also comes with a great deal of responsibility. When unforeseen circumstances impact your ability to meet your mortgage payments, it’s important to take quick action and contact your lender. With early intervention, your lender can help you fund a solution to your financial difficulties.

For mortgages insured by the Canadian Mortgage and Housing Corporation (CMHC), CMHC provides lenders with the tools and the flexibility they need to achieve a solution to your unique financial situation. Depending on your circumstances, this might include:

Converting variable rates into fixed to avoid sudden rate increases
Temporary short-term payment deferral.
Extending your repayment period to lower your monthly payments
Adding any missed payments to your outstanding balance
Arranging special payments unique to your particular financial situation

CMHC is also willing to consider other alternatives proposed by the mortgage professional to resolve or avoid mortgage payment default. In every case, the options available will depend upon your individual financial circumstances.

For more information visit: CMHC or contact The BestRateGuys.com Team at 1.866.978.9768, and we can help guide you in the right direction.

What more information about mortgages?  Visit us on other social networking sites:

www.YouTube.com/BestRateGuys

www.MySpace.com/BestRateGuys

www.Facebook.com/Paul3647

www.Twitter.com/Paul3647

The BestRateGuys.com our name is our promise, we guarantee to give you the lowest possible mortgage rate. If we can at least match what your financial institution has offered you we will give you a $50.00 gift card just for letting us try! See terms and details.  For all of your mortgage questions please feel free to leave a comment on our blog or contact us toll free @ 1-866-978-9768.  You never know, we might be able to save you some money on your mortgage, call now.  We work with over 50 lenders nationwide, let us do the shopping for you!

Source: Canada Mortgage and Housing Company/Charmaine Idzerda, Verico Designer Mortgages Inc.

The BestRateGuys.com team is currently offering a 5-year mortgage rate as low as 3.99%.  For more information about this unbelievable promotion please contact us @ 1 866 978 9768 or complete a secure online application.  Terms and conditions apply.  For more details on rates visit our current rates page. 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’t match it, you get $50.00.  See terms and details.

Interested in learning more about mortgages?  Subscribe to our news and article blog or visit us on other social networking sites:

www.Facebook.com/Paul3647

www.Twitter.com/Paul3647

www.MySpace.com/BestRateGuys

www.YouTube.com/BestRateGuys