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referral 416 3810813 905 6422016 focus on business commercial the help and friendly staff at the mortgage factory are sylvia mainguy paul chatham glenn campbell hylton mullings and sylvia jules the time has come run dont walk all indications are that interest rates are on the rise the dollar is getting killed and it appears that the us are going to raise interest rates over the next month what this means is that the time has come if you want to take advan tage of the low rate market to get that new mortgage or consolidate those numerous debts into a low rate manageable payment plan a proper consolidation can cut your interest rates to a quarter of what you are presently being charged and your monthly payment will be cut signifi cantly the average monthly savings for our clients is in the range of 500 to 800 a month with some clients saving in excess of 1200 a month a major contradiction in the market place is that there is a surplus of money around and lenders are very aggressive for your business although there is some truth to these statements they are far from being factual yes there is a sur plus of money available in the marketplace and yes lenders are aggressively looking for business but only if you can walk on water one major lender that six months ago would give almost any one a 50000 loan or line of credit even with a credit history of collections and judgements now the computer declines an application if an account shows one payment past due within the past two years talk about going from one extreme to another the only chance that could keep rates at or close to the present levels is that this is an election year we all realize that increasing rates to any major level would be political suicide but dont count on it shop till you drop although this was the situation in the past now it is one of the worst things you can do in attempting to obtain credit in the past it was common to get a commit ment from one lender and then go across the street to the next one and have them try and better the rate on the first deal and so on and so on in todays market this is financial suicide most lenders today are using some sort of scoring system this takes into account employment history credit history very stringent you must have enough revolving credit to show you are good little boys and girls but not too much because then you become over extended and number of inquiries on your credit bureau if you have over two or three depending on the lender during the past six months you loose points which can make the difference as to getting an approval or not it kind of makes you feel like you are back in school under the teachers eye when you talk to a lender give the basic information and make sure this is some thing they will entertain before making a formal application have them run the numbers and all other pertinent data and leave the credit bureau to last in conclusion act now and get your finances in order our mortgage rates are always a mini mum of 12 per cent below posted market rates second mortgages start at 475 per cent and consolidations are our specialty with terms and conditions to serve your needs not a lenders quirks till next time duct cleaning chimney sweep hookup 3995 500 per vent includes all hook ups no hidden extras per standard home work guaranteed free airside furnace cleaning chimney sweeping only 5995 residential 416 2823292 snake nethod used 200 psi mr green thumb lawn care maintenance our guarantee has always been a healthy darker shade of green 4724973 me treat your home like our0wx home cleaning service est iwi bonded insured specializing in general cleaning professionally trained staff k guarantied qualityreliable service vacuum cleaning supplies provided a perfect christmas gift idea 0 emect moricagf tackikyl 5yrs65 6 m0s 43 1st mtges to 95 2nd 3rd mtges rental properties cottages refinancing debt consolidation rural properties self employed credit rroblems vil9yvjh0oitie with equity prime deals 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