Dear Clients,

 Welcome to the new year and a great one it is going to be.  The mortgage market did not slow down over Christmas, nor in the first two weeks of the year. 

 Many people are listening to the advice of the government to clean up their debt outside their mortgage and the way to do that is to refinance.  As many of you know this can really change your way of life when you are no longer accumulating debt and even decreasing your debt at a very rapid rate. These people come to us from all age groups and lately we have been able to reduce their monthly payments as much as  $1,700.00! Which means they have removed about $1,200.00 in interest payments only per month. 

This is equal to $72,000 in excess interest to the banks in 5 years alone.  This can make life changing difference to a family.  If you read below the urgency of moving quickly on a debt consolidation is here.

 The other great news is we are growing again.  I wanted to inform you, our clients, we are searching for someone to become the second assistant in the office so we will be able to meet our service commitments to our clients. If you know of anyone searching for a growth position who meets the following description please feel free to pass this along. 

• Excellent organizational skills


• Excellent people skills including communication skills


• Completed courses on Microsoft Office


• Some knowledge of real estate, real property law or financing is a plus for the applicant but not a must.


• Must have strong work history and desire to succeed in a demanding and rewarding workplace.

 Above is attachment from Benjamin Tal is the news of hard times ahead.  If we thought Dubai going bankrupt was bad news out in the last 24 hours that China may be in the same position which could be exposed very soon.  Unfortunately I really can not get a handle on the repercussions of them holding trillions in US debt.  Any feed back from you on this especially with back up articles would be welcome. 

 All the best in the new year and keep those referrals coming!

 Prime is still at 2.25%

 Lock in rates

 3 yr 3.55%

4 yr 3.89%

5 yr 3.99% not recommending any lock ins at this time - just variable.

 Regards,

 Suzanne Boyce

Broker\ Owner