Fun Story!

Meet Chelsea Roff. A average waitress who raised her sister alone from a very young age, suffered from a eating disorder (weighing only 58 pounds at one point of time) and runs a non profit yoga clinic to help people suffering from the from the former. Her friends and colleges step in to trap her in this amazing April fools prank.

Introducing the Canadian Home Renovation Plan!

CHRP Logo Dream Home A new plan for Canadians to maximize their home buying experience! Have you looked to buy a new home and had a tough time finding everything “just right” the way you want it?

Your Home Your Way!

Your Home Your Way!

Many times purchasers will find a home that almost meets what they want, but needs just that little bit extra, from paint & carpet, to finishing a basement, to adding a suite, to modernizing a kitchen or bathroom…we’ve all seen it!  The problem is that with most Canadians having put all or most of their money into the down payment for that house, they can’t afford to make those changes.  At the very least they may have to wait to save up to make them.  We have come up with a solution for this very situation…The Canadian Home Renovation Plan or CHRP! We are able to have your additions/upgrades/changes added to the mortgage so that you can make the changes you want now, and have it included at the same low rate as the mortgage, keeping your cash flow low and your new home satisfaction high!  You won’t need an expensive unsecured Line of credit, credit card or loan…this money will be financed with your mortgage.  Approved by CMHC, Genworth & Canada Guaranty, Canada’s three Mortgage Insurers to the Banks and lenders, this is a real program you can take advantage of now.

Check out a sample report from one of our Pre-approved homes: click here We work with a select group of Realtors and Mortgage Brokers across Canada to bring this to all Canadians. For more information please fill this in:

The Future of the Vancouver Skyline…

The Trump Tower

 

First Flight!

Great catalog of old British Columbia pictures…

Amazing array of pictures from BC’s past…wow!

Click the pic for more…

Roger's Pass 1962

Cool version of Coldplay’s Paradise…

Today’s Fun Video

Watch this video with a message…at the end.

Are your Credit Card Bills Arriving?

Holiday bills looming in the mail?
The holidays can really start to add up; vacations, dinner, gifts, that new PlayStation 4, that Spa day.  It happens!  So why pay up to 29% interest on your debts, when you could pay your credit card debts off with the lowest rate possible by refinancing your mortgage!

Refinancing your mortgage opens up the possibilities to:

Here are 3 tips to make it happen:

1.  Repair your credit – Follow our 6 Simple Secrets to Better Credit check list, and make sure you are still on track to refinance!  Low-income borrowers aren’t the only ones who can run into credit problems.  Someone with a higher score who misses a payment could take a bigger hit than someone with a lower score, because there’s further to fall when they stumble.

2.  Shorten the overall mortgage amortization – You can maximize your savings by opting for a new mortgage with a shorter amortization. Shift to a 15 or 20 year amortization from a 25 year and you will save thousands over your previous debt structure while likely paying out the same amount of payment per month.

3.  Build a good relationship with your mortgage professional – With new regulations, banks remain cautious about mortgage lending, but some show more flexibility to their better customers.  This is why having a good relationship with your mortgage professional is an asset. They can fight to get the best deal for you for the long run.

Ready to Refinance?

Contact Michael & his team now and discuss the options available to you. They can check to see if you would have a penalty to close your old mortgage early, how much it would be, and whether a refinance makes sense now or not based on running the numbers.  Regardless of the outcome, they can build a plan to help you with your budget and get you back on track for 2014!

the Michael Anthony Lloyd Mortgage team                            Ph. 604-341-8775  Email mikesteam@cmexp.com

www.homehappy.ca 

Ready to Hallucinate?

No strange mushrooms required…

Spectacular video from the International Space Station…

Another inspiring video, this one showing what man can do and just how small the earth really is…enjoy!

Set to the Original HD version for the best quality.

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