Rates are rising and you probably need to review your financial picture. Perhaps you need
to clear up your holiday bills or credit cards, are planning a vacation getaway, or looking ahead to a renovation project for the year.

Carefully structured – and with a timely tune-up at today’s great rates – your mortgage can be apowerful financial tool.

The time to talk is now, especially if any of the following apply:

1 You feel your mortgage rate is much higher than current rates and you could benefit by paying less interest or having a lower monthly payment. I can analyze your situation and show you the possibilities;

2 You may have to deal with a downturn in income sometime this year or you have a large expense looming;

3 You’re considering a renovation project (see reverse side about how the budget can help). Or you’re wondering if lower values and rates mean that you can afford another property (vacation or investment);

4 You’re carrying some credit card or other high-interest debt that is eating away at your monthly cash flow; or,

5 You’re worried about your retirement savings, and you’ve heard there’s a way to use a tax-deductible mortgage to build your investments.

With rising rates, it’s particularly important to give your mortgage a winter tune-up this year.

If we haven’t reviewed your situation in the last year, it’s a great idea to talk. Call or send an email at anytime!