KEEP YOUR SAVINGS ...

What do you want to do with your money? IT ADDS UP! You might not be aware that just a half of a percent savings on an average loan amount of $250,000 over a typical 25 year period saves you approximately $25,000. Keep your money!

MORTGAGES

We will secure your very best mortgage available every time. Relax, feel confident and save your time shopping around. It's that easy.


Fixed rate vs. Variable rate...

A variable rate mortgage fluctuates with the market. A fixed rate mortgage allows you to budget precisely for whatever term you select

Closed vs. open mortgages ...

Open mortgages let you pay off as much as you want, any time, without penalty. Closed mortgages usually offer lower interest.


Short term vs. long term ...

Long term mortgages are a good choice if you feel current rates are reasonable and you want the security of budgeting for the future. Short term mortgages are appropriate if you believe interest rates will be lower at your renewal time

Conventional vs. high-ratio mortgages ...

A high-ratio mortgage is usually for more than 75% of the appraised value or purchase price. It is mandatory under the provisions of the National Housing Act that, by law, these mortgages be insured for which the borrower pays the insurance premium as well as application, legal and property appraisal fees. A conventional mortgage equals no more than 75% of the acceptable lending value of the property.