Client experience buying their first home

Everything is going well. We have finished the first two chapters of your book. and I checked out your website as well and printed off the budget form. We're just working onthat now. We also went ahead and paid off the rest of ***** Consolidated loan and are still discussing using my RRSP's for the rest of our debt.

Overall though, things are going well. We're trying not to be overwhelmed by anything so we're taking it all step by step and just checking off the list of things to do that are preparing us for the big step!

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Market woes

and you think you have seen everything? Good Grief! Market Woes. Well what if we consider that with gratitude we have arrived at this place and from here we can go forward with wisdom! What have we learned. Greediness is short term. Looking with broad vision helps plan for these times when we are uncertain.
From here, variable rates are looking very attractive! Prime is 5.25%. which is less than the best rate on mortgage funds. Would you not agree that at least for a short term period, it would be wise to mortgage funds with a variable rate and ride out the American election while in a variable rate mortgage? I think so! It may not be a long term but riding it out even for six months to a year is a consideration. This is not the strategy I would normally be considering but for the moment, if you are paying attention, this would be worth looking at. If interested in knowing more, contact me at kathleen@capitalmortgages.com

My newly released book From Marriages to Mortgages

Such fun! I recently launched my book and CTV and Rogers interviewed me last week.


A Channel will be interviewing me on October 19th and I will be giving away copies of the book to those in attendance. It is just a small little book but it is packed with all the ingredients you need to have a happy process in discussing finances and purchasing a home! Why did I write it? Because it was needed. So much information and who to trust. Well, if I was willing to put it in writing then I must believe it, right? You don't have to agree with what I have written but you might want to spend the $14.95 to have as a guide in your pocket while you contemplate the process. Purchase the book at www.marriagestomortgages.com

And GUYS!

Buy the book and seek to understand THEN to be understood! Listen to what your girlfriend is learning while she reads the book!

Anyone that books their mortgage with me will receive a copy of the book from me free!

Seeing is believing

Winter is upon us in Ottawa and with RRSP season over the strategy for paying income taxes begin! Secured lines of credit at prime minus 90 is attractive especially when you can go to 90% loan to value? All this sound like jibberish?? Call me! I can help you! 1-877-459-4414 ext 256

Marriages to Mortgages

On February 26 KISS FM will open their Win a Wedding Contest at www.1053kissfm.com and Kathleen Caught will be the officiant for the wedding. See www.marriagestomortgages.com
You will also be able to obtain the ebook From Marriages to Mortgages to help couples through financial aisles as well! Hope to see you there!!! Maybe it will be YOUR wedding that I support you with!

another day at the office..how about equity deals

Didn't we always think these were here??? We yes...but they weren't really...now our market place has been opening up! Especially for self employed individuals! There is a plethora of opportunity on the horizon! But not to give you rose coloured glasses...we are a paper hungry industry afterall and the lenders are plaguing us with requests for "integrity purposes", so they do ask a lot of questions to get to the same answer. Remember when it was simple??? We bent the rules to give our clients what they needed??? Well, that is not so simple anymore. We have lots and lots of legislation to "protect" the consumer. So much so that the consumer that is honest and straightforward must jump through every hoop imaginable in order to meet the Privacy Act requirements and the Terrorist Act requirements and every other act acting!!! A crazy world we live in and even the not so crazies are now crazy but association!!! So?? yes we have equity deals...but be prepared for requests to confirm that you paid your income taxes!

beginning

Hello to all, I have decided that mortgages are something EVERYONE should learn about. I like to say that we all have to live somewhere and whether you rent or buy...buying makes it an adventure...renting is a short term thing. I have spent most of my career helping renters become homeowners and watching the passion in people grow and develop. It is truly a pleasure for me to see this happen. Stay tuned and lets see if you become a homeowner! Looking forward to hearing from you and helping you bridge the transition. I work with your strategy and not just do the transaction of a mortgage. Those that are my clients know that I like to ensure that 5 or 10 years from now, they are still a homeowner and that we stay in touch with one another throughout that time to "tweek" the nuances that occur.