Chad Moore Calgary Mortgage Broker

I have a mission of “discovery and perspective” for you …

Ask your parents if they ever thought fixed interest rates would be below 3%.

For those of you reading, under the age of about 35, you may not realize this …fixed Mortgage interest rates use to be north of 15%.  Fixed Mortgage interest rates use to be north of 15% (repeat for effect).

So, go ahead …

Ask your parents if they ever thought they would see the day Mortgage rates fell below 3%?

When I ask this question, I hear answers of, “no way”.  “Not in a million years”.  “That wouldn’t happen”.  *Slow silent head shake left to right*.

Fast forward to today … Now, I am asking myself …do I think fixed interest rates will ever be 15% or higher again?

I think, no way …that would be crazy …things would be out of whack …not in a million years.  Things are different now.  There is no way fixed interest rates could go that high (again?).

Do I honestly believe, there is absolutely NO chance of fixed Mortgage interest rates going that high again?

I think the truth is, I don’t know where rates will go over the long-term.  Just like the long term prediction of oil price futures is hard to peg down.

I would rather proactively PLAN for increasing interest rates, over the long-term vs reacting to high rates if/when they happen.

How To Protect Yourself:

1. Acknowledge there is a threat of increasing interest rates.  If my head is in the sand and I refuse to even consider the concept of increasing interest rates, I think there is no sense in planning for them.
2. Calculate my “future payment shock” of a worst case scenario at my future Mortgage renewal date.  Figure out what your Mortgage payment would be at a much higher interest rate in the future.  Once I have this  number, I work the differency backwards and add it into my Mortgage payment over the term of my Mortgage.
3. Slowly absorb your future payment shock into your Mortgage payments.  As the Mortgage market changes, make adjustments to your Mortgage accordingly.

This idea is fine-and-dandy …but what about executing it?  Who is following up to manage everything?  How am I staying up to date of changes in the Mortgage market place?  Who is helping me save money AFTER my Mortgage funds?  Is the Bank branch doing this for me?

I think these are great questions to be asking when deciding WHO to place my Mortgage with!

Your Opportunity:

As one of my clients I detail a complete Mortgage strategy for you.  This involves my client care follow up system BEFORE and AFTER your Mortgage funds. You’ll benefit from my BOSS Mortgage Strategy with the following:

• Money saving ideas to help you save THOUSANDS of dollars in interest (where the Banks actually make less …they don’t like me for this :-))
• 100% confidence you are kept up to date with ANY opportunity to save money, as our economy and market change in the future.
• Build equity in your home FASTER so IF you decide to sell, you may pay Real Estate fees, closing costs and use your money for a down payment on your second home.  You have options.

I do all of this for you – free of charge – so I earn your business, future referrals and testimonials.

Everything is 100% no obligation and 100% risk free.

I just need your email address and contact details to get started.  Click here ==> How Much Can You Afford? <==

Talk soon,

Chad Moore

P.S

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Thank you in advance.