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  • Items tagged with debt consolidation | Jim Thornton - RMA | 1.866.257.0158
    as fast as 24 hours X About Us Jim Thornton RMA Call Today 1 866 257 0158 Buying Pre Approvals First Time Buyers Repeat Buyers Purchase Plus Improvements Self Employed Buyers No Money Down Gifted Down Payment Jumbo Mortgages Million Plus Refinancing Debt Consolidation Equity Take Out Lower Rate Lower Payment Renewals Rentals Single Family Homes Duplex 2 units Multi unit 3 4 or 5 units Mixed use Multi unit Residential Rentals 5 units Blog About What is Moneytime ca About Jim Thornton Posts Tagged debt consolidation Debt consolidation strategies that will save you thousands of dollars The cost of everything seems to be going up these days with no relief in sight People have utility bills house payments the cost of transportation food and various other expenditures every month and many have additional loan payments They may have charged things on credit cards when their economic situations were better and are finding it difficult to make even the minimum monthly payments now Read below and find out how you can save literally thousands of dollars by implementing a few simple strategies Read more Refinance to consolidate debt In today s tight economy one of the most stressful problems consumers face is how to handle the various debts they have acquired Over the past few years many consumer racked up debt due to outside factors such as minimal to no salary increases or even worse unemployment However what most people do not realize is that they have an easy way to consolidate debt by refinancing Mortgage brokerages like Real Mortgage Associates provide agents and brokers that can help by negotiating with banks and lenders on your behalf getting you a low interest rate Read more Debt Consolidation We re all creatures of habit for some of us the habit is

    Original URL path: http://www.moneytime.ca/debt-consolidation (2014-10-22)
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  • Items tagged with refinancing | Jim Thornton - RMA | 1.866.257.0158
    Make Are you planning to do some major home renovations You can increase the sales price of your home by thousands of dollars by making some significant changes to the design and construction On the other hand making repairs may be more cost efficient and practical instead of moving to a new home As you begin sorting out the details you may end up paying a lot more for renovation financing and renovation loans Here are 4 costly renovation financing mistakes no one can afford to make Read more Refinance to consolidate debt In today s tight economy one of the most stressful problems consumers face is how to handle the various debts they have acquired Over the past few years many consumer racked up debt due to outside factors such as minimal to no salary increases or even worse unemployment However what most people do not realize is that they have an easy way to consolidate debt by refinancing Mortgage brokerages like Real Mortgage Associates provide agents and brokers that can help by negotiating with banks and lenders on your behalf getting you a low interest rate Read more Refinance for home renovations One of the easiest ways to make your old home seem new again is with a major or sometimes minor home renovation While the benefits of a home renovation may be substantial the cost involved in the process is often extremely high and is often put on high interest department store cards With the economy still struggling to recover from difficult times obtaining an unsecured loan to renovate your home may not be easy to do especially with all the additional consumer debt that has been accumulated in recent years One of the easiest way to obtain a loan to renovate your home is Read more

    Original URL path: http://www.moneytime.ca/refinancing (2014-10-22)
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  • Debt consolidation strategies that will save you thousands of dollars | Archive | Blog | 1.866.257.0158
    to be going up these days with no relief in sight People have utility bills house payments the cost of transportation food and various other expenditures every month and many have additional loan payments They may have charged things on credit cards when their economic situations were better and are finding it difficult to make even the minimum monthly payments now Read below and find out how you can save literally thousands of dollars by implementing a few simple strategies If your debts are becoming hard to manage and you are looking for a way of reducing monthly payments consider debt consolidation There are several methods of consolidating debt but perhaps the best one is to use the equity in your home The value of your home is likely to be higher now than it was when you bought it so there should be some equity built up for you to use The monthly payments you have been making have also been reducing the principal balance of your mortgage and increasing the amount of the available equity in your home If you get a home equity loan you can use the money for consolidating debt and paying off your credit cards as well as any other loans that you have The interest rates you are paying on credit card loans and other unsecured loans are probably higher than the rate you could get for a home equity loan When you get a home equity loan for debt consolidation and pay off your other bills you will be reducing monthly payments because the interest rate will be lower and you will have only one payment to make instead of several That one payment will be considerably lower than the sum of all the payments you were making You will save time

    Original URL path: http://www.moneytime.ca/blog/archive/debt-consolidation-strategies-that-will-save-you-thousands-of-dollars (2014-10-22)
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  • 4 Costly Renovation Mistakes No One Can Afford To Make | Archive | Blog | 1.866.257.0158
    Rentals 5 units Blog About What is Moneytime ca About Jim Thornton 4 Costly Renovation Mistakes No One Can Afford To Make Are you planning to do some major home renovations You can increase the sales price of your home by thousands of dollars by making some significant changes to the design and construction On the other hand making repairs may be more cost efficient and practical instead of moving to a new home As you begin sorting out the details you may end up paying a lot more for renovation financing and renovation loans Here are 4 costly renovation financing mistakes no one can afford to make 1 Not Making A Budget Before you seek renovation financing you should know exactly what you need to spend Start by make a dream list of what you want changed in order of most desired to least desired Then ask two contractors and two architects to review your plans for home renovations and provide you with cost estimates Often they will do this for free to earn your trust After you have all four estimates carefully look them over Find an acceptable compromise between what you want done and the quality required within your budget 2 Paying With Credit Cards Some people might hand their credit card over to the the contractor to pay for their home renovations But how much is the convenience worth The high interest rates add so much more to the cost that you would probably have to cut back on your home renovations Besides you may get a discount if you pay by cash or check because it saves the contractor s credit card processing fees 3 Using A Line Of Credit Homeowner s can typically get a home equity line of credit Equity is the difference

    Original URL path: http://www.moneytime.ca/blog/archive/4-costly-renovation-mistakes-no-one-can-afford-to-make (2014-10-22)
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  • Blog | Page 3 | 1.866.257.0158
    Plus Refinancing Debt Consolidation Equity Take Out Lower Rate Lower Payment Renewals Rentals Single Family Homes Duplex 2 units Multi unit 3 4 or 5 units Mixed use Multi unit Residential Rentals 5 units Blog About What is Moneytime ca About Jim Thornton Purchase a home with 20 or more down When someone is purchasing a home there are a couple of choices they have with regards to the down payment they put towards the purchase The down payment is basically the amount of equity or money that the buyer is willing to put towards the purchase of a home When you purchase a home the Bank of Canada states that banks trust companies and other lenders are not allowed to lend on a property if Read more 4 reasons to use a mortgage broker when purchasing a home When it comes to purchasing a home there are many ways to get the job done For a first time home buyer using a mortgage broker is an excellent idea for a host of different reasons Purchasing a home is a difficult process but it doesn t have to be completely overwhelming There are people out there who can help you make the process as seamless and as painless as possible so you d be smart to use those resources when making your purchase A mortgage broken can be one of those individuals so as a first time home buyer you should be looking for the best possible one Here are reasons to use a mortgage broker when purchasing a home Read more Purchase a home with no money down When the credit crunch hit one of the things the Canadian governement did to mitigate the damage to the economy is set a policy that no longer allowed CMHC Genworth or

    Original URL path: http://www.moneytime.ca/blog/Page-3 (2014-10-22)
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  • Items tagged with mortgage brokers | Jim Thornton - RMA | 1.866.257.0158
    2Y6 Click here to Apply Online Get approved in as fast as 24 hours X About Us Jim Thornton RMA Call Today 1 866 257 0158 Buying Pre Approvals First Time Buyers Repeat Buyers Purchase Plus Improvements Self Employed Buyers No Money Down Gifted Down Payment Jumbo Mortgages Million Plus Refinancing Debt Consolidation Equity Take Out Lower Rate Lower Payment Renewals Rentals Single Family Homes Duplex 2 units Multi unit 3 4 or 5 units Mixed use Multi unit Residential Rentals 5 units Blog About What is Moneytime ca About Jim Thornton Posts Tagged mortgage brokers The ultimate advantages of working with a mortgage broker in Canada In Ontario and throughout Canada working with a mortgage brokerage rather than dealing with a bank has many advantages One of Canada s largest and fastest growing mortgage brokerages is RMA We have grown our brokerage by providing a wider and more attractive range of mortgage products superior convenience and expert advice As a mortgage broker in Canada we can help you secure the best home loan available Most importantly because your broker serves as your advocate your interests will be protected Read more The top 10 secrets that banks don t want you to know Though many people have been trained throughout time to trust their banks and their bankers you should know that there are many things banks just don t want you to know It s in their best interests to keep you in the dark because that will ultimately allow them to make more money off of your transactions What are these secrets Here are the top ten Read more 4 reasons to use a mortgage broker when purchasing a home When it comes to purchasing a home there are many ways to get the job done For a

    Original URL path: http://www.moneytime.ca/mortgage-brokers (2014-10-22)
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  • Take advantage of a lower rate on your mortgage by refinancing | Archive | Blog | 1.866.257.0158
    new borrowers are getting such good rates when there are those of us that signed a year or two ago at a higher mortgage rate than is available now As a result these consumers often feel like kicking themselves or feeling sorry for themselves but there are options available to consumers that can not only help them save money on their mortgage but also add more cash to their pockets at the end of every month By using a mortgage broker at RMA you can not only discuss the steps you need to take to get a lower mortgage rate you can also rest assured that our mortgage brokers and agents are fully qualified to get you the best mortgage possible When the economy is suffering one of the main steps governments and financial institutions take to encourage spending is to offer a lower interest rate to consumers interested in refinancing their mortgage By reducing the interest rate by 1 00 or more which is a very realistic reduction a home owner with a mortgage of 200 000 can save about 10 000 over a 5 year period of time By refinancing to lower interest rates consumers are not only able to reduce their monthly payments they are also able to decrease the total amount of interest they will be paying over the life of their mortgage usually 25 years This lower mortgage rate not only frees up cash flow for current financial needs it also saves a significant amount of money over time A reputable mortgage broker or agent like the ones at Real Mortgage Associates can explain all of the various refinancing options available to you If you have equity built up in your home you may be able to access those funds as well to be used

    Original URL path: http://www.moneytime.ca/blog/archive/refinance-for-a-lower-interest-rate (2014-10-22)
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  • Purchase a home with 5% down and still get fully discounted rates (OAC) | Archive | Blog | 1.866.257.0158
    rates OAC Buying a home can be a dream for some while others it is a dream come true The Canadian goverment has stipulated that when purchasing a home the buyers need to put a minimum of 5 down based off the purchase price of the home This first 5 is always the toughest to save because it seems like it is a never ending task as the goal gets closer and closer the prices of house usually go up and up This means that as you are saving for that dream house you have to save more and more because the purchase price by the time you go to buy the house is higher than when you started saving First time home buyers especially find it difficult because they have never experienced the housing market before and because of this they don t know what to expect It s not all bad news though It is possible for first time home buyers and repeat buyers alike to get the very best inerest rates available even though they are only putting 5 down People that are buying a home for the second or third time are not usually as shocked at how the market moves Many times they are putting more than 5 down because they end up using the equity in their current homes Many repeat buyers think that the 5 down payment option is for first time home buyers only this is not the case The 5 option is available to anyone buying a home in Canada so if you would prefer to use some of the equity to pay off debt rather than putting it all into your next home by all means you can do that In fact this may allow you to qualify for more

    Original URL path: http://www.moneytime.ca/blog/archive/purchase-a-home-with-5-down-and-still-get-fully-discounted-rates-oac (2014-10-22)
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