mortgage broker dawna

Current Rate Specials*

as of February 8, 2011

3.89% 2.30%5 year fixed 5 year variable

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Market Trends

The Average Cost of Rent has Nearly Doubled

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First-Time Buyers

Tired of Making Your Landlord Rich?

$0 Money Down- - - - - - or - - - - - -

Cashback (5-8% Available)

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Our Lenders

• Quick Preapprovals• Home Warranty• Cash Back• On Line Access to Your Mortgage• Free Appraisals• Free Legals• Flexible Payment Options • 85% Refinancing to consolidate debt• Portable

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Looking to build a Custom Home?

Get preapproved

Signed and accepted copy of building contract, builders construction specifications, (blueprints) of house to be built, plan showing legal description dimensions of property, proposed location

1st Progress Draw-basement is ready to backfill2nd Progress Draw-Interior ready for drywall3rd Progress Draw-Drywall installed & taped4th Progress Draw-House Completed

Your mortgage is advanced in stages much like the purchase plus improvement mortgage

An inspection is completed prior to funds being advanced.

Only a home builder that is a member of the Alberta Home Warranty Program is eligible

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Purchase Plus Improvements

Found Your Dream Home…but can’t afford to fix it? Think again!

Take advantage of “Purchase Plus Improvements” financing the renovations needed for upgrades using

Purchase Plus Improvements Financing

Purchase Price $200,000Proposed Improvements $20,000 Less 5% Downpayment $11,000Plus 2.75% CMHC Premium $ 5,747 Total Mortgage $21,4747

Mortgage payment at 4% $260.35/weekly

Traditional Financing

Purchase Price: $200,000 Less 5% Downpayment $10,000Plus 2.75% CMHC/GE premium $5,225Total Mortgage $19,5225

Mortgage payment at 4% $236.68/weekly

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Want a Second Opinion?

Great RatesThat may include• Home Warranty

• Online Access to Your Mortgage• Free Legal Fees and Appraisals

• Flexible Payment Options

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Debt Consolidation

You can save on interest and improve your cash flow by using the equity in your home!

A possible current scenario:

Balance Payment

Mortgage (@5%) $200,000 $1,163Car Loan $18,000 $540 Credit Cards/PLC $15,000 $450 Penalty to break mortgage $3,000

Total $236,000 $2,153

A new mortgage with your debt load consolidated:

Balance Payment

Mortgage (@5%) $236,000 $1,241Car Loan Paid off $0Credit Cards/PLC Paid off $0 Penalty to break mortgage Paid off

Total $236,000 $1,241

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That’s a monthly savings of $1,XXX or $15,XXX annually.

Market Trends

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Renewals

Switch Now• Lenders may pay for up to $5000 towards penalty costs

• Up to $1000 in legal fees paid for by lender

• Appraisals paid for by lender

Save

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Self Employed?

Did the Bank Turn you Down?At Mortgage Intelligence we take extra pride in helping our self employed clients

to achieve homeownership.

STATED INCOME MORTGAGEThis mortgage are for those who can not use their Notice of Assessments to prove income.

•Commission sales are eligible

•6 months minimum

•Minimum Documentation

•10% Downpayment required but 5% can be gifted

Talk to me for full details on how to get the mortgage that meets your needs…

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