It’s the last week before Christmas! Looking for something fun to do this weekend with the family? Check out this years Skate with Santa at the Olympic Oval, at the University of Calgary. Head on down to the Christmas Skate and enjoy a fun-filled afternoon with Santa himself! Gather the family and come listen to all of your favourite Christmas songs as you skate along. Cost is $2 plus a non-perishable food item.
Down Payment – How Much Do You Need?⠀
Gone are the days when anyone could buy a home with just a promise and signature. No documentation loans allowed virtually anyone to buy a house with no money down with just a simple credit check. After the mortgage meltdown, this all changed. Lenders tightened guidelines and down payments were back.⠀
But how much do you actually need? Must you always find 20% down? The answer might surprise you; there are many ways to buy a home with less than 20% down payment.⠀
0% Down – There are still two loan programs which allow one to buy a home for no⠀
down payment; the VA loan and the USDA loan. The VA loan requires the borrower to⠀
be a qualified service person or veteran and the USDA loan is for certain areas under the Department of Agriculture.⠀
5% Down – Conventional loans with loan limits can allow one to buy a home with as⠀
little as 5% down. These loans do have PMI (Private mortgage insurance) which can be⠀
eliminated when the loan amount falls below the 20% threshold.⠀
3 ½ % Down – FHA offers first time home buyers a good home loan for only 3.5% down payment. Again these loans have loan limits and PMI but offer a faster entry into the housing market.⠀
Buying a home doesn’t always mean 20% loan. If you’re considering buying a new home, talk to your lender about your options. ⠀
Alone we can do so little but together we can do so much, Lets start your journey in whether selling or buying your home⠀
“The True Australian Spirit” 🇦🇺 Meet the Murrell family. Phil, father and Director has been the leading figure in this family's Crane & Truck Hire business for 40 years in Bundaberg. Handing the business over to his sons, Adam and Phillip 8 years ago, he instilled a lasting legacy within his sons - that is, having the "community spirit" at heart.
Adam & Phillip approached CO Finance Director, Cathy with a dream to give back to their father and family. Loyalty, mateship and an overall selflessness were the words to describe these humbled men.
Aligning with Cathy’s beliefs, working on construction projects & also embarking on their positive financial endeavors, it has given the CO Finance Team a sense of pride and drive to help carry on Phil’s legacy. “Every man and his dog will have their day!” 👷♂🐕
To find out more of their wonderful journey, click onto this link: #finance#mortgagebroker#mortgage#construction#development#homeloans#refinance#consolidation#commercial#business#carloan#brisbane#forestlake#jindalee#bundaberg#chaseoscarfinance
1 413 minutes ago
116 Georgia St | Laredo
Stunning home featuring 4 bedrooms, 2.5 baths, carport attached with four spaces available. Swimming pool, outside shower, & much more! It’s a must see!
FOR MORE INFORMATION, PLEASE CONTACT
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A fixed rate loan is when you lock in a particular interest rate for a certain period of time. A variable rate will move up or down depending on market interest rates.
Fixed rates can be beneficial to assist you with budgeting your repayments but they can have restrictions on additional repayments, the ability to offset the loan and will incur a break cost should you wish to refinance or make changes before the end of the fixed term.
Variable rates allow more flexibility but should rates increase you can find yourself in a place of mortgage stress.
I have my own home loan split so its a mixture of both fixed and variable. The intention is to pay out the variable balance before the fixed rate expires. This works in my personal situation, and every lending arrangement is different.
Feel free to contact me if you are interested in learning more.
Are you or someone you know thinking about purchasing a new home or refinancing your existing home?? I’m hearing “after the new year” or “maybe in the spring” way to often lately.... and while I totally understand the stress of the holidays, the weather, money may be tight...If it’s feasible for you- Do not miss out, take advantage of these discounts. Get ahold of me to discuss your options! ⛄️❄️