Ok, today we are going to talk about three easy, but crucial repairs you must make before selling your home. Making your house as presentable as possible is the best way to achieve a quick and profitable sale. However, you don’t have to make expensive repairs that will force you to raise your asking price. Often, inexpensive but highly-noticeable improvements—combined with good staging—will get you the buyers and sale you want. Here are the 3 most important things to fix before listing your home. If you're looking for a top-notch mortgage professional in Toronto, call us at (866) 492-4024.

Ok, today we are going to talk about 3 things you should never do if you want a good credit score. No matter how high your credit score is, you can always benefit by helping it get higher. The trouble is some of the things people do to raise their score can actually lower it. Here are 3 major DON’Ts. If you're looking for a top-notch mortgage professional in Toronto, call us at (866) 492-4024.

Ok, today we are going to talk about some important things to consider before downsizing your home. In 1950, the average single-family home in the US was 1,000 square feet, and today it’s 2,600 square feet. The difference is even more dramatic when you consider how much larger families were in the 1950s! Some find themselves living in unnecessarily large homes, which leaves room for downsizing and saving. But before you rush in to selling and buying small, here are 5 things to consider before downsizing. If you're looking for a top-notch mortgage professional in Toronto, call us at (866) 492-4024.

Did you know that the average homeowner pays over $100,000 in unnecessary interest payments? Chances are, if you're like most homeowners, your mortgage payment is your single, biggest after-tax expense. And unfortunately, due to the way lenders charge interest, most of your payments go towards paying interest, not principle. That's why, in the rare case that someone actually does pay off their mortgage, they often end up paying 2-3 TIMES the value of their home -- with the effective interest (or total interest paid) amounting to more than their home is even worth! Sad, but true. Here's the solution. If you're looking for a top-notch mortgage professional in Toronto, call us at (866) 492-4024.

Have you checked your mailbox yet today? How many credit card offers do you think you received? Each one is a new opportunity to get farther into debt, hand over HUGE
interest payments, and never get any closer to financial security. Instead of being flattered every time you're offered a PRE-APPROVED PLATINUM card, it's time you learned the truth behind credit card offers. Discover what your credit card company doesn't want you to know. If you're looking for a top-notch mortgage professional in Toronto, call us at (866) 492-4024.

Ever notice how some people seem to have all the luck? They marry well, get promotions, have lots of friends and make lots of money. Is their good fortune the result of just pure luck or is there science behind it? Recent research reveals that our personality and behavior have a huge impact on how lucky or unlucky we are. Here are 3 keys to creating your own luck. If you're looking for a top-notch mortgage professional in Toronto, call us at (866) 492-4024.

Ok, today we are going to talk about how you can use your cell phone bill to increase your credit score. As with most credit contracts, your monthly cellphone bill can show up on your credit report. Here are 3 steps to using your cell phone bill to get a higher credit score. If you're looking for a top-notch mortgage professional in Toronto, call us at (866) 492-4024.

Robert Kiyosaki is an American multi-millionaire investor who made his fortune through something he calls the Cash Flow Quadrant. Have you ever noticed that in today’s economy, while the middle class is struggling in a tough job market, some entrepreneurs just keep getting richer? Here’s how the Cash Flow Quadrant explains that situation. If you're looking for a top-notch mortgage professional in Toronto, call us at (866) 492-4024.

OK, let’s talk about rates. Let’s face it, when it comes to getting a mortgage, everyone wants the “lowest rate”. I mean, why not save a few pennies, right? Sure, a low rate is important, but choosing your mortgage and lender based on rate alone can be a BIG mistake. With that in mind. Here are 4 factors to look for beyond a “good rate”. Tom Gasparec, Mortgage Broker, Mortgage Lender, Oakville, Ontario

Let’s face it, debt isn’t a financial problem, it’s a behavior problem. So becoming debt-free takes more than sound financial strategies, it takes a mindset shift that establishes new wealth-building habits. Here’s the fastest, easiest way to become debt free. If you're looking for a top-notch mortgage professional in Toronto, call us at (866) 492-4024.

Choosing the best mortgage from all the available lenders out there can be complicated. There are so many terms, features, restrictions and potential penalties to keep in mind. But at least mortgage rates are easy to compare—all you have to do is choose the lowest one, right? Think again! Choosing the lowest rate is only straightforward if all the rates are stated the same way and include the same things. Here are a few "insider secrets" you need to be aware of. If you're looking for a top-notch mortgage professional in Toronto, call us at (866) 492-4024.

If you've ever struggled to keep up with all those darn payments-including the credit card and car payments-you'll definitely want to tune in to this important video. Check it out. If you're looking for a top-notch mortgage professional in Toronto, call us at (866) 492-4024.

Today we’re going to talk about how to prep your home for the market. Particularly, how you can make it look bigger and better for showings. When it comes to showing your home, there are some cheap and easy ways to make your charming little home look more spacious and airy. Here are 9 ways to make your home look bigger (and sell for top dollar). If you're looking for a top-notch mortgage professional in Toronto, call us at (866) 492-4024.

Purchasing a house is a big step. Here are 7 Factors for Choosing the Right Home at the Right Price. If you're looking for a top-notch mortgage professional in Toronto, call us at (866) 492-4024.

Have you ever wondered if the way you habitually think is helping or hindering your ability to attract wealth and prosperity? Well, recent studies indicate that we can actually unwittingly sabotage our ability to achieve financial security. Here are 5 wealth-repelling attitudes to steer clear of. If you're looking for a top-notch mortgage professional in Toronto, call us at (866) 492-4024.

Ok, today we are going to talk about 5 mistakes to avoid when buying a home. Buying a home can be exciting, stressful, easy or difficult depending on the market, time of year, etc. But no matter when or where you buy, you can still encounter challenges if you’re not prepared. Here are 5 common mistakes to avoid when buying a home. If you're looking for a top-notch mortgage professional in Toronto, call us at (866) 492-4024.

OK, today we're going to talk about how to get ahead financially. With the volatility in today’s markets and the huge number of choices available in equities and mutual funds, it’s almost impossible for us to securely and profitably manage our own investments. But choosing the right financial advisor isn’t easy either. Here are 3 questions to help you make the right choice. If you're looking for a top-notch mortgage professional in Toronto, call us at (866) 492-4024.

As you know, attracting more quality listings is the fastest,
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Here’s a powerful strategy you may have overlooked…

Do you have an effective, predictable system for turning
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If not, here's how...

For more information, please call us at (615) 423-3095 or visit caliberhomeloans.com/ekelley.

OK, today we’re going to do something a little different. Regardless of what you want to accomplish in life, there is ONE critical ingredient to your success that you can’t ignore. In fact, it’s the “secret sauce” that separates the world’s GREAT ACHIEVERS from all the rest.

Here’s the critical ingredient to your success…

For more information, please call us at (615) 423-3095 or visit caliberhomeloans.com/ekelley.

I just put together a cool little video that can help you:

 Attract more referrals and repeat business
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Are you ready to see it? Here it is...

For more information, please call us at (615) 423-3095 or visit caliberhomeloans.com/ekelley.