⁣Ok, today we are going to talk about what a force majeure clause is and where or not it applies to your mortgage… “Force majeure” is French for superior force. It’s a term used in legal documents that can sometimes let a person or business get out of a contract. Here’s what you need to know and when it could apply to you… ⁣If you are looking for a top-notch mortgage agent in Kitchener call us at, 905-297-9125

⁣Ok, today we are going to talk about how to pay off your credit card so you can live a stress-free future… If you’re like most people, emergencies, illnesses, job losses or more can put a dent in your credit cards. To make matters worse, most credit cards have high interest rates that make them difficult to pay off. But paying off your cards is exactly what you need to do to achieve a secure and stress-free financial future. Here are 6 tips for paying off your credit cards… ⁣If you are looking for a top-notch mortgage agent in Kitchener call us at, 905-297-9125

⁣Ok, today we are going to talk about real estate planning and why it’s necessary… You don’t have to be wealthy to have an estate plan. No matter who you are, you probably have possessions you’d like your children to have once you’re gone. And you definitely want to have a say in who will take care of your kids if you die before your time. Here are 4 reasons why you should start thinking about estate planning today… ⁣If you are looking for a top-notch mortgage broker in Bradenton call us at, 941-809-6571

⁣Ok, today we are going to talk about when it is smart to pay off your mortgage early… Being mortgage-free sounds wonderful. But as with most financial choices, there are pros and cons. Before using an inheritance, a raise or savings to pay off your mortgage early, there are some important things to consider. Here’s 7 things to consider if you want to pay your mortgage off early… ⁣⁣⁣If you are looking for a top-notch mortgage agent in Kitchener call us at, 905-297-9125

⁣Ok, today we are going to talk about how to save money renovating your home… Renovating can add comfort, convenience and value to your home. But renovations are often pricey. Here are 5 tips for updating your home without blowing your budget… ⁣⁣⁣If you are looking for a top-notch mortgage agent in Kitchener call us at, 905-297-9125

⁣Ok, today we are going to talk about when the best time to do certain updates on your home is… Timing renovations can be tricky. The sooner you remodel, the longer you have to enjoy your beautiful new home. But if you remodel too far in advance of selling, everything’s going to look outdated by the time you list your home. Here’s a yearly schedule broken down that will help you know when to update what… ⁣If you are looking for a top-notch mortgage broker in Bradenton call us at, 941-809-6571

⁣Ok, today we are going to talk about how to rebuild your finances if you’ve suffered from financial abuse… Being in an unhealthy relationship could be emotionally, physically, or even financially damaging. And according to recent statistics, 99% of domestic violence also includes financial abuse. Here’s what to do if you’re in a financially abusive situation, or if you’re recovering from one… ⁣⁣⁣If you are looking for a top-notch mortgage agent in Kitchener call us at, 905-297-9125

⁣Ok, today we are going to talk about the expense of hiring a real estate agent and if it’s really worth it to you… When you’re selling a home, so much money is at stake, you can’t afford to make a mistake. That’s why over 90% of buyers and sellers work with a Realtor. But let’s face it, Real estate commissions are expensive. Are Realtors really worth it? Here’s what good Realtors do to earn every penny of their commissions… ⁣⁣⁣If you are looking for a top-notch mortgage agent in Kitchener call us at, 905-297-9125

⁣Ok, today we are going to review everything you need to know about second mortgages… What is a second mortgage? A second mortgage is an additional loan taken out on a property that’s already mortgaged. Second mortgages are riskier for lenders than first mortgages because they’re in second position on your property's title. As a result, the interest rate on second mortgages is higher. Here’s what you need to know about second mortgages… ⁣⁣⁣If you are looking for a top-notch mortgage agent in Kitchener call us at, 905-297-9125

⁣Ok, today we are going to talk about how to finance a new home build… If you’re looking for a home that offers the latest energy efficiencies, low maintenance costs, and every amenity and convenience your family desires, maybe you should consider building new. Just keep in mind that financing new construction is a little more complicated. Here’s what you need to know… ⁣If you are looking for a top-notch mortgage broker in Bradenton call us at, 941-809-6571

⁣Ok, today we are going to talk about when the best time to do certain updates on your home is… Timing renovations can be tricky. The sooner you remodel, the longer you have to enjoy your beautiful new home. But if you remodel too far in advance of selling, everything’s going to look outdated by the time you list your home. Here’s a yearly schedule broken down that will help you know when to update what… ⁣⁣⁣If you are looking for a top-notch mortgage agent in Kitchener call us at, 905-297-9125

⁣Today we are going to talk about how to use budget tracking apps but stay safe doing it… Budget tracking apps like Quicken and mint.com can be a great way to manage household finances. But considering all the personal financial information you enter into these apps, are they safe to use? Most experts agree the apps are generally safe; it’s the people using them who pose the greatest risk. Here are 7 tips for using a budget tracking app (while keeping your info safe)… ⁣If you are looking for a top-notch mortgage agent in Kitchener call us at, 905-297-9125

⁣Ok, today we are going to talk about how to start investing… Obviously, there are several things to take care of before you can start investing. You need to cover rent or mortgage payments, monthly bills, groceries, etc., and you also need some money set aside for emergencies. But once you’ve accomplished that, it’s time to start investing for the future. Here are 5 steps to help you start investing… ⁣⁣⁣If you are looking for a top-notch mortgage agent in Kitchener call us at, 905-297-9125

⁣Ok, today we are going to talk about how to convert a construction loan into a traditional mortgage… If you’re planning to build a house or do a major renovation, you usually can’t qualify for a traditional mortgage because there’s no existing home to use as collateral. What you need is a construction loan, which is based on the projected future value of the completed property. Generally, construction loans are interest-only while the house is being built. Then when construction is complete, you refinance into a regular mortgage. Here’s how the process works… ⁣If you are looking for a top-notch mortgage broker in Bradenton call us at, 941-809-6571

⁣Ok, today we are going to talk about real estate planning and why it’s necessary… You don’t have to be wealthy to have an estate plan. No matter who you are, you probably have possessions you’d like your children to have once you’re gone. And you definitely want to have a say in who will take care of your kids if you die before your time. Here are 4 reasons why you should start thinking about estate planning today… ⁣If you are looking for a top-notch mortgage agent in Kitchener call us at, 905-297-9125

⁣Ok, today we are going to cover 5 tips for buying a condo… Millions of people have either decided that condo living suits their budget and lifestyle better than single-family homeownership, or they purchase condos as an investment, second home, or vacation property. There are important differences between buying a home and buying a condo. So, before you make an offer… Here are 5 tips for buying a condo… ⁣If you are looking for a top-notch mortgage agent in Kitchener call us at, 905-297-9125

⁣Ok, today we are going to talk about how you can buy a home without visiting it in person… Today, more buyers are making offers on homes sight unseen. Reasons for this could include: • Being too busy for physical shopping • Living on the other side of the country • Feeling totally comfortable with online purchases • Preferring the safety of physical distance Here are 6 tips for buying a house sight unseen… ⁣⁣⁣⁣If you are looking for a top-notch mortgage agent in Kitchener call us at, 905-297-9125

⁣Ok, today we are going to talk about how to make a long-distance move stress free… Major life changes are always stressful. And moving from one city or region to another is definitely a major change. Here are 5 steps you can take to help eliminate the stress of moving… ⁣If you are looking for a top-notch mortgage agent in Kitchener call us at, 905-297-9125

⁣Ok, today we are going to talk about a decade-by-decade retirement plan… Saving for retirement is a challenging but essential goal. Government pensions likely won’t be enough to live on, so it’s up to you to provide a comfortable retirement income. Here is a retirement plan broken down for you, decade by decade… ⁣⁣⁣If you are looking for a top-notch mortgage agent in Kitchener call us at, 905-297-9125

⁣Ok, today we are going to talk about 7 ways to stay warm this winter without spending a fortune on heating… Home heating costs seem to rise every year, and this winter may be even more costly for you if you’re spending more time at home or working from home. But there are ways to reduce heating costs without shivering until spring. Here are 7 ways to stay warm without paying a huge heat bill… ⁣⁣⁣If you are looking for a top-notch mortgage agent in Kitchener call us at, 905-297-9125