The following text may have been generated by Optical Character Recognition, with varying degrees of accuracy. Reader beware!

16 economist sunlstouffville tribune saturday june 8 2002 susan dunn mortgage consultant the mortgage centre no cost mortgage shopping made easy im looking out for your best interest telephone 9058872648 email sdunnmcrogerscom why use a mortgage consultant the drapery den specializing in service custom furniture custom interiors custom upholstery custom bedding blinds shutters free inhome consultation 6284 main st stouffville 9056421222 upholsteryreupholstery trust markham furniture with all your upholstery needs 1020 denison street unit 115 markham 9059479575 wwwmarkhamfamiturecom more and more canadian consumers are choosing services provided by mortgage brokers 25 up from 14 just two years ago cmhccimbl survey so far the trend shows that first time home buyers choose a mortgage broker more often than people who are renewing a mortgage 38 of first time home buyers only 9 of renewers this means over 90 of renewers just relied on their current lender in fact usually accepting their current lenders first offer a mortgage consultant could probably have found them a better rate and terms so many borrowers dont realize they have the option of changing lenders when their current term is up predictions are that the trend by consumers to use mortgage brokers will continue 50 market share predicted in the next few years independent impartial mortgage consultants working with brokers are impartial and independent were not employed by the banks or other lending institutions so our advice is unbiased and is based solely on your needs lower rates for consumers we do all the shopping for you we have access to most banks and major mortgage lenders well look at what all of these lenders are offering and decide with you which package of rate and services fits your budget and lifestyle there is no need for you to haggle with anyone we do it all for you professional confidential relaxed service mortgage broker consultants are registered with the financial services commission and have received specific education in mortgages we will come to your home or office or you can come to ours at your convenience applications usually take an hour or so to complete then its our job to get your approval asap protect your credit if you shop around at five different banks for a mortgage your credit report could be run five times this could have an unfavourable effect on your rating we need only one credit check to use with any or all of the lenders we submit your application to we save you time your time is valuable by going to a mortgage consultant youre assigning an expert to take the time to find the best deal in the marketplace to fit your needs the mortgage consultant has access to all lending institutions products available to the broker options there are numerous types of mortgage products some people are comfortable with variable rate mortgages which currently offer the lowest rates but have slightly more risk others prefer the security of knowing their payments will remain the same for 3571015 or even 25 years some people want more generous repayment privileges or to increase their mortgage payments your mortgage consultant helps find the lender that suits you best no cost there is no cost to the borrower for our services mortgage consultants are paid broker fees directly by whichever lender you choose this payment is not passed on to you the borrower if youre looking for a mortgage now or in the near future give me a call we can prequalify you so youll know how much you can spend shop around for the best renewal rate for you get you a capped rate for up to 18 months if you want to buy a new home under construction arrange open closed or variable rate mortgages with terms ranging from 6 months to 25 years you owe it to yourself to find out what your options are susan dunn the mortgage centre 9058872648 sandys auto ft vic let the doctor help you stay cool behind the wheel with his air conditioning purge recharge your system parts extra 5995 i j176 bullock dr 8 markham9052943868 1 i not to be used in conjunction with any other special a pst gst oxtra offer expires june 24 2002 j spring special ft buy now pay fail 2002 i no money down payments interest for 6 months call about our selfcleaning windows encore jwt markhams leading window company 450 alden rd unit 7 markham 9q5 47qq75q wwwencorewindowscom ass certified state farm is big on business insurance the company more people trust to insure their cars and homes can also help protect your business state farm insures more than 250 types of busi how about yours joanne freeman agent 9275 markham road suite 207 at 16 ave markham ont 905 2947415 lyikc a good neighbour state farm is there state farm fire and casualty company canadian head office scarborough ont sandys auto service ltd the home of the doctor quality is not expensive its priceless modern vehicles today are equipped with numerous sensors and onboard computers to enhance safety and operating efficiency poor driveability and performance are often the result of a computer sensor that has become faulty over time and distance travelled diagnosing problems in modern vehicles has become more challenging as many problems are intermittent making them difficult to pinpoint this is where the experienced and knowledgeable technicians at sandys auto service make use of the latest diagnostic tools and on going training sandy is certified by the national institute for automotive service excellence ase owner sandy devitt and the staff can troubleshoot and correct problems on your specific model they can also provide routine inspections and maintenance to help your vehicle last longer since 1975 all of their work at sandys auto service has been done as necessary each repair is evaluated as to the nature and extent of damage you will be presented with as many options as possible to resolve any problem that you may have sandys auto service uses quality parts that meet or exceed your vehicles original performance specifications whether its domestic or import sandys auto service can provide tuneups and diagnostics with computer printout when requested some of the many other expert services offered include 4 wheel disc and abs brake repair fuel injection shocksstruts exhaust front end lube-oil- filter and mot safety inspections they also service and repair engines transmissions clutches and differentials sandys auto service is an accredited ontario drive clean test repair facility should your vehicle not meet the required emissions standards they will be happy to provide honest reliable advice their goal is to help get you on the road as quickly and cost effectively as possible call for your appointment ask for the doctor sandy or the boss sharon his wife sandys auto service ltd is located at 176 bullock drive unit 8 in markham they can be reached at 905 2943868 check out many more specials at wwwtorontocomsandysautoserv herlase i clinic specializing in advanced skin treatments laser hair removal vein treatments facial resurfacing restylane injections botox treatments 383 main street n unit 7 markham ontario tel 905 2018005 v r since 1947 reroofing eavessiding vinyl windows entrancepatio doors 905 4720276 free inhome estimates kate s garden your garden decor store 5221 hwy 7 mccowan rd 905 4757674 paris in the spring cafe monet dining set 48 round pedestal table 899 sale 799 with 112 leaf extends to 60 chair 225 sale 199 featured in the new angus glen executive model home queens rantry 176 main street unionville 4774625 queensbridge mill 416019th avenue markham 8871127 website wwwqueensbridgecom 9f c7 mfee pc tf0 luc home cleaning service serving markham unionville stoufrville 905 4774089 to advertise in focus on business call yoiir sales representative at 9052942200 tjmiwrwi irffpvrf