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lalkabou h~g- dolar wha youqualfy fr an exo4 ho muc if 'Ii ou yu b ou -iN. theaer -ond Ot 1. p Asera. Asa r.ult,1m.fi"a dt.<t Jina~..,.nnrn~ sk.~ Vas lE nn ~ ~,,**,t* r$~ h~~4 fr, ~ a aj~wva mdw on nff,,e ank njoiha aucm iu IoarM u y.h$0ia e S.aching for th. e ect home - fe place whort mony of *abigges dreoRwi of yow liewuil unWod - is not exoctly like b;rwsîg tor la new pair of shoes IIls a ouch l>gger pufckase. for sioers, and petný o and .naacke eile *0ill rïin on th. choice you moke Giv.n afl ihot, î's su¶rprising hat some peope who go house-shopping ove 'no char idea of wfhoi they con alford lt's alen a rectpe for heorérea - when M1hous hey've fohn in lovl e is NOT a bous tfiy con ofotd Thres noi gmor disheorbinq n mih n e a dienrs drsomn dissolve wlm o she s turned down for a morae bon- On Mh odhe hand, many omebuyers set Soiîr segts '00 Iow, too, makWg a consetvaNive quess on wfiat they con offord, dme spending time ord thousands of dollas on «mOving up* purchases thef Ihey might have specêked finte pefiod. typicoily 90 to 120 doys Sa, whal exoctly is învoived in the pro-opprovol procels anyway? You should expecrt t provîde your mortgoge pionner wit information on your emlo a/nom ssets nd Iîobiletties, nd downpomn Mii poner wïgli alo o" in a reprt on your c redit hisory Th =sdilient oaysis of your info<moîîon is exactly whot underpins the strengilofaio morgoge pre-oppfoval Your informaotion will thorî b. submîtted to th betinder orflenders thot con mee& your needs Most lenders wilI qvickly prepare your preopprovalý which esffltiolly is a condiional morigoge approvol * ta*$sots hMor ge oMount, terni, intetre*,t expiation date and required documents Of course, itfs important to be oworo thot you'il eventually need Io substantic* e. iniforembton you provided for the preopprovol whim you go backa tc the lender for 1h. octuol morigage. Thaï's why if's important to provide wili have 10 meelwà th le lending înitifio's oppovol guidelinez bo. Voul neud ta provide "h necessory information such Os lb. op*t la porchose. MIS listntond ony gibet documents requîrd by lb. leader so, 0"eycon assois properly Once aIl oflb14 ende's requirements Nove be.n met, t4. lencler wiil wbmit Mit documents bo your 5014CdS0, Whso will set up on oppointreent wîlb you prior Io closing 'o you con sign ohai l t documents und revew ypur closing costs. Th.i yourfe done; you've gone froni pre-opprovol to gettmg reody ta move. Don't get a pre-appovol confuseti wilb apre-quamikouion -Amtge 0e-qq"ifcaiaio modi morie inlorulpooeiwe uMW fLprkhumafs,-nt rm numbi xo dy Now mndlr wilI h. ekm. A proafflo a syou know proeisely Now oiuchoy the. lendet s wiflîng ta Let you occess, and you'I recarve prooF f M li offer in writhng, skip.d.OCCUfcoe nformotton ee ore iowsing for a home 1hWI. chedoleo vmit wiIh o Whis you want ta do is tb go Nos.shoWpng wilh a tuH walleîwith Evei if you have a pr.<>provol, ifs stili reconm.end.d hot you rnclude pu* rÀ*e ommo<yl .plomnnta bSe cr opmprv on octul proppmoval fom a lender This way, you wift know - Io the in your offer a 'subrect Io finonci< clause, A pre-oppro'.ol qulibet W wl kM ht O (a e oogitA90 ute m" o John Cmmnig.onApproWdMortaqM avfmmr w',rh Mortgage Arduoects. Morrgg« jqteffiovu and conccrms am be diccted t r oJo1 Cî n .ffcgýloautlat 14 Martin St., Milton. John So e n mdbj pESw.t 905878-7213 or by timüi: ohn.cawnmtgarc.co. John Cavan k websîte u www*rcssfvwmm ~,eca. Contact John todaii about gour swfe mortq. oppm wtn Be fire-prevention smart this winter (NC)- Wherever you live in Canad, thw wnter months arc tsomc of the nmsidangenius limes for resi- denual ires. île resuit uof meLare- less action can test a tamèily iliou- %alMis somefmeesimillitxns of dollars in dam a bms. The experts at IXesardinç &eneral Insurmner sug- gesi ihat youts an pmrîrt vour homey and loedons vjus' tollowing îhsmzple lips: eEqusp yuur home wnth sIftke detecitors. Il rhty arc wil Io,. ated asnd mamntarned, thry cari save your Ide Clean them regular-ly and replacei tht battent-,îwce a vear.îypicallv in1 March and Novrmher when clcksi are rrset Also consider equipping1 your home wuth a lire alarm system î.unnectrd to a rrmoie muntnng center - Pla-ce ne or more tire extin- guisýhe.rinltk thtlA ai nlv memix-nrs an acct sNs 'ilyandi be sure you knowv how to use thecm proper'y *Maînt.îîn sour turrîax and] hot water heatcr on a regular hasts t-hi-s %hould aLÀ n mnudt' rtplacing ',our turntii iter eerýý 90days This cnsutr optimal operation, but aiso prcvcnts tarhon monoxide irom ente ring pour home Sr~ bs>,"i colourless and] udourless. makc -,tre to in"-al1 a carbon monoxide alann., 9 (" Jean ypur furnacc anti/or tirc- plaie i inev rgu-l%,ivt, preý eîu Li c3 arefui when using cokîzng ou[ Altwavs coxo irk ien c trein a deep Iryer equipped i vith i thcrrmo,- stat ratdier than In astà ea Remeniber tdi a a ep trver ot lesthani the deductible ycn would havci, opav in the eveni of a cdaim - Kcep L wuking surfaýces. al. -beand range htxxi l ean as ges depo-suîs can catch fire easilv - hi jàtîîd elecincal tires, tare- lit> inspeect surg protectors, exien- ion. :ord. .lamps and ether eleci- cal deviwe% An>ihing thai rattL-es. looks f rayrd or wom shouls] be thircln out - Keep an eve ons caridies It«% ver easy 10 kruxKk evcr candies and votive lîghts So kerp these er.wered Or %eure d on igh tableCs am;ax tromn children and net,, Il vou do hâve a fire thîs vanter. keepr. n mid hat von nias flot rçcive full market saluc foi yeur home il t's destiroyetiThe vsalue ot home insurance pohicies is ivpically bâmed on the cc« oas buuld th house. not tc, seil nt on the markiet- place. Rt pIace m w ~i dcude the mat enal tlumher. irofing s1un- gles. sidtng m-atenal. carpet, diywall. etc), the labour cous, àrchtecturaI services and se on. h us important if YOUa do any rnatems or additions t0 yosir hote, that you let vour insurance eompany lknew. &s thLs could change the replacement cost et-> vour humew hi karn more abo-ut ire preven- tion i Vstt the Desiardins beneral insurance*Grtiup webute. www-des- lardinsgeneralms>urancecom- &ww nwscanadaeïms - A bs.r t.4 yoi dom i 2n88%*I 2n8r9 i 88"i - ~ 14 Mathla St.MM .O