Tips of the day

Is problem credit, really a problem?

Well the answer to this “age old question”, is really subjective.       

 It really depends on the individuals situation.

How much of a “problem” with credit do you have?

•  Do you know you Beacon score?
•  Are there collection agency’s calling?
•  Are you bankrupt / consumer report filed?
•  Is your credit card balance over 50% of the overall limit on your card?
•  Are you struggling to make your credit / loan monthly payments?
•  Do you even have a credit file established?

These are the types of questions we will ask to determine your credit health. It you have answered yes to one of more of these questions it is still possible for financing of a mortgage to be secured. If you are unsure of these answers and have no real knowledge of your credit history, that’s ok.. we can assist you in getting those answers.

 As no two credit reports are the same, we base the Pre Approval application on each individual situation. While most traditional banks have tighter guidelines when it comes to answering yes to credit challenges in the past, we here at BestRateGuys.com work with over 52 lenders nation wide to offer products that are more realistic and flexible to today’s consumers.

 Just because credit difficulties have happened in the past, don’t count yourself out! There may be away.  If you have been declined by the bank due to blemishes in your credit history…that is expected, but it doesn’t hurt to contact us and see if there is another way to make financing happen.

 At BestRateGuys.com we will speak with you about your credit history, assess your credit report and current spending habits, upon authorization from you we will obtain a credit report which will give us a clearer picture of what we have to work with. Based on this we can tell you if we have a lender who is able to meet your needs. If not, we can suggest a “success plan” to better improve your credit score and suggest a better time frame when to re apply for a pre approval.

 Knowing whether or not if your credit history is holding you back from a purchase of a home is something you should get to know. The sooner you become educated on your credit history, the sooner you can began to fix any problematic issues.  The best way to understand this, is to contact BestRateGuys.com to get an educated analysis of your credit history and to get informed whether mortgage financing is possible right now, or if  improvements need to be made for  the future.

 These types of services, are available to you at no charge. Remember we only get paid by the lender when your deal is actually finalized.

 Instead of worrying whether or not you qualify for future financing, make the first step and  get the educated answers to these, and many more questions, 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 buying a house, there is much to consider. House hunting is a very exciting time for the homebuyer,  not only is it something new, it also gives you the scents of accomplishment and adds to the overall  value of your life. Your new home becomes a showpiece to your friends family and most of all YOU of what you are able to accomplish in this lifetime.

However it is important not to get carried away on your purchase and to seek something that will actually fit your lifestyle rather then to end up with something you thought ” would be a good fit at the time” - after all you and your purchase will be together for a while.

When choosing your new home, consider:

• The location - is this a place you are comfortable with? Maybe familiarity is key as well. Is it close to work - does that even matter?
• The house. Is there enough living space for you? is there too much living space for you? will it have enough living space for you later on down the road?
• If it’s a fixer upper. Are the repairs needed immediately? Can I afford the repairs? Does the cost of the current repairs outweigh the value of the home?
• Do you want a condo or house? Some people choose condo living, others chose to have a freehold house. Check out previous article on condo vs. House for more info.
• Heating? Is the house bigger then what I need, how much will the heating costs be? Does it have a high efficiency furnace?

On the mortgage side:

• Payments. Can I make the monthly payments on this house?
• Approval. Even though I am approved for a large amount of money, should I spend that much? Can I afford it? Should I lower my price range?
• Long term. Will I be able to sell the house ( if I wanted to) later on down the road and make a profit on it, or is this house over priced for the location?

At BestRateGuys.com we want to ensure that your home buying ventures are successful, not only at the time of application, but for the life time of your mortgage.

BestRateGuys.com promises that we will  find you the realistic financial answers you need to hear based on these and many more questions to ensure you can keep your commitment to make monthly payments on your home, and not over extend yourself or your bank account.  We will beak down your total debts / liabilities and compare them with what price range and long term commitment is right for you. listening to our clients needs is only one of the superior services we mandate, to learn more about what type of financing is available to your particular lifestyle 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

As the Hazy month of August hits its half way point, the true heat of the summer of 2009 keeps getting more and more intense, most homeowners will put their air conditioner at full speed in an effort to stay comfortable while at home. however much like our previous article about “going green around the home”, there are some useful tips to help with cooling down your home too, therefore reducing your monthly energy consumption and giving  your home the status of being environmentally friendly.

 Here are some cost effective things you can do to keep cool, and save some money:

•   Run your central Air conditioner only when you need it. Most Ontarians have already purchased a New Timer thermostat to control their central air / furnace. This timer works the same as an older version, only this one allows you to set the exact time of when to program your air conditioner to start and when to turn it off. There is no point in running your air conditioner while you are at work for 8+ hours a day. Also try to avoid the Hydro consumption “peak hours” ( typically 11am - 5pm) this is when Hydro tends to cost more as more people are home or in their office to use it, the more demand on the system - the more money the system charges . Turn you Central air on only when you are home and need it, and avoid peak hours. If you follow this routine, the savings will show.

•  Use black out drapes. If you have a room in the house that gets full sun exposure streaming through the windows every day… that is an unnecessary fault in cooling down your home. purchase “black out drapes” - these drapes come and a verity of styles and textures/ colors to fit in with any decor, and have a special backing that reflects the incoming sunlight back out the window and keeps your room nice and cool. I have purchased a set for myself, they work wonders on a room that I was having an issue with keeping cool. They are also perfect for those who work shift work, and need to sleep during the day, by keeping out the light.
•  Use an energy star floor or ceiling fan. Don’t be so quick to turn on your central air, if you need to get just a few degrees cooler, switch on an overhead ceiling fan or floor fan. These are relatively cost effective solution and do a good job of moving the stale air around the house. Opt for an energy star model - proven to use less hydro at almost the same cost for a traditional model.
•  Open a window. The simplest form of cooling down your house. Sometimes your house can be hotter inside then it is out. Open your front door and test the temperature, if it is cool enough with a good breeze, then open up some windows, and let mother nature do the cooling off for you. if possible open windows in the opposite ends of the house or room to get some well needed “cross ventilation” this will help air out your house and give a summer fresh feeling to your living environment.

In conclusion, these simple step are excellent ways to take control of not only your energy costs but as well as your responsibility to the  environment  as a homeowner.

Keeping a cool environment is key to keeping a comfortable environment during the humid days of summer.

 For more information on this or other house hold tips to reduce your spending including ways to cut down on your monthly mortgage payments 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 looking to purchase a house, in particular for a first time homebuyer, looking on MLS.Ca or going to open houses might having you feel like a kid in a candy store!

But how do you establish what house you can actually afford? What is your limit? What are the houses you should be targeting?

All in all , it comes down to what you can afford to pay back - based on this a mortgage pre approval can be made, and you can have an actual solid price range to look for.

The process is simple

• 1. Contact BestRateGuys.com, let us know you are in the market for a home. Even if its not immediate, we can still work with you so you can get an idea of what you can afford.

• 2. BestRateGuys.com will educate you on mortgage financing, interest rates and terms…..so you fully understand the process and you possible future obligations.

• 3. BestRateGuys.com will work out a payment formula with you, something that you agree will be an affordable way to make your dreams reality. Our success is your success as a homeowner, we want to make sure your monthly mortgage payments are do-able for you. we access how much you make every month, combined with your total liability and factor in your assets, also we look if you have a down payment, if not can we arrange financing without one?. We also look at your past history with credit, and offer if need be ways to improve an downfalls you may have had.

• 4. Fill out a pre approval. A pre approval is your BEST tool in discovering what it is you qualify for! This pre approval does NOT mean that you are obligated to get the financing, it does however give us both a feel of the exact financing amount you can qualify for, as well as what lender can offer you the best rate, and we hold that rate for 120 days! If you choose not to move forward with that pre approval, after 120 days you may need to re apply for another pre approval.

• 5. You start looking at homes! This is the exciting part. You work with a realtor to get a feel of what type of home you are looking for. If you don’t have a realtor, BestRateGuys.com can hook you up with an area realtor.

• 6. Find that special home! Work with your realtor to make an offer to purchase your home. Bestrateguys.com will work out the rest of the details concerning solidifying the financing, and take care of all the paper work.

Its that simple.

And remember we get paid only when the deal closes. At that point we get paid by the lender, NOT you!

There is no cost associated with doing a pre approval- so we suggest you stop wondering what it is your looking at and get a educated on what you should be looking at.

Contact us today or visit our pre approval page 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

At BestRateGuys.com it is our continuing goal to help existing and future homeowners to get the most out of their mortgage. One such way is pay down your mortgage faster, with an affordable plan that is easy to manage.

 In most cases we can arrange your mortgage to be paid off with bi-weekly payments.  This is a great option for two reasons. With the extra payments that are made, you can pay your mortgage off as much as 4 years sooner.  That is a lot of interest that you save yourself from paying.  This method of payback can be easier on you as well as most employers pay out on a weekly or bi-weekly basis.  Overall, it will make for easier budgeting by aligning your mortgage payment with the same time that you get paid.

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

GO GREEN!!

In today’s expanding society you have heard more and more from the politicians , news papers and activists about the importance of going green and being environmentally responsible for the amount of carbon we produce as well as rubbish we needlessly throw away.

 The green revolution- or so its been doubted; is an important step to keeping mother earth healthy for future generations and more immediately, our future too!  

 Now most of us will agree that making a change in our life style can sometimes be a little difficult to adjust too, sometimes wanting to see the fruits of our labours sooner then later is the vary human nature of us. One way to see these ” fruits’ is to see the savings. In fact most of these life style adjustments will prove not only healthy for the environment, it will also conform to many future provincial laws, and most of all save you money in your living expenses.

 As a homeowner, here are some simple things you can do around the house, to start the “green revolution” right at home, while saving you money… Its a win/win situation. Here’s how:

• Set your thermostat a few degrees lower in the winter and a few degrees higher in the summer to save on heating and cooling costs.
• Buy an updated thermostat that is on a timer. You can set the timer to only turn on the A/C or Heat when you are actually home… there’s no point of paying for A/C or Heat when your at work!
• Install compact florescent light bulbs (CFLs), these types of bulbs will soon replace the older less efficient bulbs, in fact the Canadian government is looking to mandate CFLs in the next few years.  
• Unplug appliances when you’re not using them. Often energy is still being used ( at a smaller %) when an appliance is turned “off’.
• Install “low flow” water heads for your showers and sinks. They do a good job at keeping you water bills cost down, and work just as well as a normal faucet head.
• Check your toilets. If  a toilet is constantly running water its not only wasting water, its also adding to your over all consumption on your bill…talk about foolishly spending your money! Opt to either replace the toilet with a low flow toilet that uses less water, or if cost is an immediate issue, go to your local hardware store to ask what is the best “fix” for a leaky toilet on a limited budget.
• Buy ” energy star’ rated appliances. These have been designed to use less hydro, in turn saving you money.
• Wash clothes in cold water more often. It does just as good of a job as hot; and costs much less!
• If possible, take advantage of the hot whether of summer use a clothesline to save the energy .
• Use homemade cleaning supplies. Your at the grocery store anyways buying them, why make a batch before you put them in the cupboard. Often Backing soda, lemon juice and vinegar - make excellent cleaning supplies, old fashion but they work! Also consider these natural  ingredients can be pet and people friendly. you can pay 99 cents for a bottle of vinegar or $5.99 for a bottle of the commercial grade chemical cleaner - you do the math!

These simple and cost effective ways will reduce your environmental damage around the house, if you make this a regular routine, it will become second nature to you and you will see the savings results.

As Canada progressively moves forward to be a world leader in the green revolution, make your mark and start today!

If you would like to know more about some other cost saving measures to make around the house including how to save more on your monthly mortgage payments 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

Rain, rain go away…………

 With the recent deluge of rain storms hitting the south and central regions of Ontario this summer, we have had a lot of questions regarding what new and existing home owners can do to prevent damage from mother natures downpours.

 Weather in a condo or a house, you roof’s health is key to making sure you investment stays safe.

 Outside: Visually inspect your roof from street level for signs of wear; missing shingles or curled shingles could be a potential threat. If you are unable to visually see your roof from the ground, its recommended you hire a qualified inspector, or roofer.

 Inside: check all your ceilings for water marks, discoloration could mean there is a water problem overhead. With water, comes mould, so you want to make sure you take care of this problem right away. Sometimes a do-it-yourself job will work, sometimes hiring a professional can be an alternate solution. It all depends on your comfort level with the issue and knowhow.

 Another place to find a potential water issue, is in your basement.

 Outside: check the perimeter in full around the outside of your house, observe any cracks. If a crack is found, this is an open door to water leakage. Second, make sure the ground slops away from your foundation, there is nothing worse then a gathering pool of water that is dammed by your foundation wall. Get some soil and fill in these dips around your home.

 Inside: again check for water spotting on your inner exterior walls, most basements are moist anyways, however the sign that actual water is present should be easy to detect. Look for cracks, or wall erosion.  If you find a crack, you may want to contact a local “leaky basement repair team” to come and take a look at the problem and determine a solution.

 In addition to these recommendations, be sure to close all windows when a storm front is moving in and if possible remove any window air conditioners that may funnel the water of a storm into your home, as well as to check the regular maintenance of your rain gutters. A clogged rain gutter could make the water over flow , and poor down on the ground below against you foundation, rather then through the pipe and away from the home.

 In any case, these are preventive measures that you can inspect for yourself. When in doubt about something, it is always good to get a second opinion. Call a local company to get a professionals point of view. Spending a few dollars now, could save a lot more in the long run.

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

To buy a house or condo is really dependant on what type of life style you see yourself leading in the future.

While a house can offer more freedoms, such as the ability to custom renovate on a large scale should the need arise, a condo also comes with the comfort of knowing certain incidentals can be covered though you condo maintenance coverage.

In reality, what it boils down to is cost. As a condo owner, you must also assess the cost of condo fees each month. These fees go above and beyond your mortgage. So In addition to factoring out a suitable mortgage payment each month for your new condo, you also need to factor in the monthly condo fees and formulate if your pocketbook can handle this.

When applying for a mortgage on the purchase of a condo, at least 50% of the condo’s fees are included in the equation to the lender. At which point the lender will issue an approved or declined response, based on the formula –against your income and credit and job. Essentially it’s another number to add into the mix.

Don’t let this scare you, condo living is becoming the norm, especially in large metropolitan areas. In fact if you are considering a move to a condo we here at BestRateGuys.com will help you assess whether this is an affordable option for you, and if your pocketbook has the strength to keep the monthly payments.

Remember at BestRateGuys.com, there is no charge to ask for advice…..we are happy to do it!

If you are pondering a future move and want an educated opinion whether a condo or house is a right choice for you, don’t hesitate to 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

A mortgage agent plays a vital role for homeowners before; during and after your mortgage financing is secure.

In the province of Ontario, Mortgage Agents like the BestRateGuys.com are licensed by the Financial Service Commission of Ontario, and are government regulated to provide ethical decisions for you the customer, privacy of information to make sure your information stays confidential, as well as educated in all aspects of the mortgage industry by a government approved and recognized institution.

As mortgage agents, the BestRateGuys .com team can offer you these exciting products and services:

•  First time homebuyer mortgage financing
•  2^nd mortgage financing /equity take out
•  Renewals or switched mortgage financing
•  Mortgage protection insurance
•  Secured visa card
•  Advice on present and future finances
• Access to our “Best Rate Guarantee”

It is our commitment at BestRateGuys.com to be with you every step of the way.

Before:  to educate you on the type of mortgage financing available to your specific needs, to walk you through the process and to make sure you understand the process.

During: we are committed to finding you the best rate possible that you qualify for, often well below the bank rate. We will seek the best rate and terms, and educate you on the product to make sure that this is the right fit for you.

After: we will keep in contact with you, to ensure your mortgage terms are still conclusive to your lifestyle, should you run into any issues - loss of job, a life altering  experience, we will work with you to over come any obstacles to ensure your home is secure. We will also make sure you know of specific rate changes in the industry that may drastically reduce your payments and save you more.

Remember, BestRateGuys.com also has many contacts with in the community, such as a financial planner,real estate agent, photographer, houseware sales, web designer - if you are looking for an industry professional, contact us; chances are we have a recommended referral that may come in use for you! or visit our Community referral site.

At BestRateGuys.com we are in the business for the long run, and are constantly furthering our education to achieve higher standards for you our clients. When it comes to mortgage financing questions  and solutions, call on the professionals, call on BestRateGuys.com.

To find out more about what BestRateGuys.com can do for you, 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

Wake up Ontario, the hot days of August are here and BestRateGuys.com found away to make it hotter!!!

For every deal you refer to us that we successfully secure and close, you get $100.00 as our gift to you.

It’s really that simple.

Here is how:

 Tell a friend or a family member even a co-worker anyone you know who may be looking for mortgage financing. Call us, or contact us via email and let us know the details of the person you are referring. Let BestRateGuys.com contact your referral and go through the mortgage process….once secured and closed you get the $100.00!

There is no limit to the amount of people you can refer, as long as we can secure and close the financing; you can get your money.

What a grate way to get some summer cash and to do a good thing for a friend or family.

There is nothing more rewarding then owning a home, to be a part of that success start referring today!!!!

As a reminder, we serve all of Ontario, near or far; bring in your referrals Now!

To learn more about this program and details regarding rules and conditions please visit our news and articles section - want to earn $100.00? learn how.

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