Category Archives: FamilyLending.ca

Home Security Checklist

 

We don’t wish to “alarm” you, but we thought you’d be interested in this Home Security Checklist that we put together. It gives you a basis for periodically inspecting your home to make sure you’re doing all you can to protect your valuables against “uninvited visitors.”  We hope all is well and that you’re enjoying your home. If we can help you, your family or your friends with any mortgage needs, please don’t hesitate to call or email us here at FamilyLending.ca. 

Do you have a security system? 
Do you have motion-detector lights around the property?
Do you keep your garage locked?
Did you change the locks when you moved in?

Do you have strong locks on all doors and windows?

Have you kept your keys guarded against unauthorized duplication?

Do you always use the peephole before answering the door?

Do you have automatic timers controlling your lights when you are away?

Are your possessions insured and do you have a complete inventory of them?

Are extremely precious items secured away from home, in a safety deposit box?

 

 

 

Beating Your Heating Bill

 

Wouldn’t it be nice if your home came without heating bills attached? Unfortunately it does not but… fortunately, there are tips out there that can help you lower your monthly costs dramatically.Domestic wizards over the years have come up with lots of money saving home remedies and quick fixes to help you lower your home heating bills.  From washing machine tips to conquering your thermostat, we’ve compiled some of these pearls of wisdom into a handy list for you!More extensive projects and fixes may require the service of a professional. We’ve come across some excellent resources and would love to share them with you if you’re in need of a referral.Here’s hoping these tips will save you big bucks and keep your wallet happy!

5 Ways To Beat Your Heating Bill
  1. Turn down your thermostat when you are sleeping or not at home.

For every degree you turn your thermostat down, you will save money. Installing a programmable thermostat can help raise the temperature of your home just before you wake up in the mornings so you are always comfortable.

2. Install ceiling fans or reverse the spin direction of your existing fan.

Reversing the direction of the blades on your ceiling fans pushes warm air down into the room. Fans should spin clockwise in the summer and counter clockwise in the winter.

3. Close off fireplaces when not in use.

When you are not using your fireplace, the dampers should always be closed. Having glass doors to close it off also helps, as fireplaces let more heat escape then they can generate. Consider this: Fireplaces are the same as having a giant hole in your wall.

4. Wash your clothes in cold water.

About 90 percent of the energy used in washing your clothes comes from heating the water – this accounts for about 16% of the average household energy bill. Moving your temperature setting from hot to cold can almost eliminate this expense.

5. Check and repair your caulking and weather stripping.

Try your best to reduce drafts in your home.  If you can pass a sheet of paper through the door jamb while it is closed, you need to replace your weather stripping. Fix up holes or deteriorating caulking that can allow drafts.
Contact FamilyLending.ca  for more information.

Future Buying Plans

 

Thanks for letting us represent you with your mortgage requirements. We hope you’re happy for years to come…Once we get a client, we want to have them for LIFE! We want to be the people you’ll always think of when you think of Mortgage needs. So whenever you think you might be ready to buy an investment property, do a home renovation or go on that much needed vacation, just call or email an agent and we’d be happy to help.Our promise to you is that when we can help, we’ll show you all the options, and if we can’t, we’ll explain why and work with you to accomplish the goal or connect you to someone who can.  So if you hear that any family or friends are looking for mortgage products please recommend us and let us know about their plans. We promise to provide them with the same high-quality service we gave you.

Thanks again for your support, and I hope the years ahead reinforce the confidence in the decisions you’ve made.

Contact FamilyLending.ca  for more information.

Consolidate Your Debt and Save!

 

Looking for a simple way to pay off credit card debt quicker? The key to getting rid of debt is to commit to fixed, not declining, monthly payments and finding a better interest rate.

Here is an example.

Lets say your credit card has an interest rate of 19.75%. If you were to attempt to pay off a debt of $30,000 with fixed payments of $600 per month, that debt would be paid off in just under 9 years. Your total interest cost would be approximately $34,356.

Take out a loan with an interest rate of say 6% and that same debt would be paid off in just under 5 years, almost 4 years sooner than the same debt you’ve accumulated with the credit card. Best of all your interest cost will be reduced from $34,365 to $4,634, that’s almost a $30,000 savings.

In the real world, of course, your debt may not reside on one, but multiple credit cards. The practice of transferring all of your debt to a single loan is called debt consolidation.

 

Here’s how it works:

1. Add up all your credit card debt.

2. Take out a single loan for the total amount.

3. Use the proceeds of the loan to pay off all your credit cards in full.

4. Pay off the loan in single monthly payments, the interest rate will be considerably less than what you would pay on a typical credit card.

The key here is to pay off debts, if you just get new cards or rack up the balances again this can very quickly spiral and eat up the equity you have built in your home, so discipline is the key to success.
Contact FamilyLending.ca for more information.

Building Your Next Home?

Build your next Home?

Imagine moving into a brand new home. No old pasta shell boxes on the top shelf. No locks filled with old WD-40, not one nail hole above the toilet surrounded by an outline of an ugly knick-knack! Just gleaming kitchen sinks, that new carpet smell, roomy bedroom closets, sparkling windows, and the fresh smell of paint.

 

You can own a new home! With the financing packages we have negotiated with some developers and mortgage lenders you may be able to even pay less for a sparkling new home than for one with that “lived in” look.

 

While we’re best known for helping buyers obtain the best mortgage product available, we have also developed several unique partnerships with the area’s leading builders and most innovative lenders to enable you to receive low-market financing and pay small percentages down for a new home in many of this region’s most popular new communities.

 

Choose a brand new home from $300,000 to $1,250,000 in range, and we can make it as financially comparable — and even sometimes more reasonable —than buying a “used” home.

 

WHEN ARE YOU READY TO MOVE?

Because our builder partners appreciate the success we have had in getting their buyers financing, they have worked with us to create some exclusive packages that may be the perfect fit for you.  

 

Let’s start working on a new home for you! Call FamilyLending.ca today at 1-866-941-6678 for a no-obligation consultation about how we can help you achieve your next goal.  We are at your disposal for all your new-home needs!