J. Edwards & Associates Financial
181 School St E1V 2W2 Miramichi, NB, Canada

INTEREST RATES ARE AT AN ALL TIME LOW The beginning of 2013 is now here and in Full Swing! As YOUR Mortgage Specialist, it is my job to follow the local markets and present you with money saving opportunities. $$$... Our current interest rates have the potential to lower your monthly payments, eliminate high credit card debt, complete those home renovation projects, and best of all, put money back in your pocket where it belongs. For more details give me a call, Saving Money is just a phone call away! *Current rates are as low as 2.79% 3.99% Based on term and qualifications Because it’s your money, use it wisely

2.99% 5 Year fixed 3.89% 10 Year fixed Call today for more details and book your FREE Consultation! 506-836-9001!

Tip# 11 Making no attempt to repay a mortgage is the worst thing that a borrower can do

Why use a Mortgage Broker? A mortgage broker will work for you, at no cost to you, to find the best mortgage financing that suits your individual needs. Having access to numerous lenders means that lenders will need to compete for your business. You do not have to settle for what your bank has to offer. Call today for more details and book your FREE Consultation! 506-836-9001!

Almost 27 per cent of households automatically renew their mortgages when the term is up instead of trying to find a better deal. Start shopping around for a better rate four to six months before your mortgage is up for renewal. We can do that for you with no obligation! Call today for more details and book your FREE Consultation! 506-836-9001!

Current rates are as low as 2.49% 3.79%! 3 - 10 Year Fixed Based on term and qualifications

Tip #10 Managing your credit wisely, including making at least your minimum payments on time every month, will help you build a healthy credit rating over time.

Tip #9 Remember that if you are changing mortgage lenders, the same qualifying factors may apply. You may be facing both legal and appraisal fees so investigate all associated costs before you act

Do you realize you can own your dream home for less than $700/month? Why Rent?? Call today for more details and book your FREE Consultation! 506-836-9001!

Tip #8 When purchasing a home, always remember that the price is negotiable and that you can make a counter offer

Lowest Rates! 10 year fixed 3.89%! Call today for more details and book your FREE Consultation! 506-836-9001!

Tip #7 If your mortgage is due for renewal in the next three-six months and you believe that interest rates will go up prior to that time, check to see if you can renew early. A small penalty may be charged but if interest rates to rise; the long-term savings could be substantial.

Tip #6 If the payments are about the same, you will be further ahead financially by making payments on a mortgaged home rather than paying rent on a house or apartment

Guess What? We're Moving Soon!! Which means that some lucky business can have our current office for an awesome price! Check It Out, If Interested, Give Jessie McKenna a call for more details! 506-624-7837!! Beautifully Renovated Office Setting, 4+ Offices, Lots of Parking.... Check It Out For Yourself!! http://www.homeswithjessie.com/listings/Details.aspx?l=3827

Fixed rates as low as **2.69%**!!! Call today for more details or to book your FREE consultation! 506-836-9001!

Tip #5 If interest rates have fallen when the time comes to refinance your mortgage, continue the same monthly payment schedule to pay off the principle sooner than anticipated.

Tip #4 The size of mortgage that you qualify for will be greatly affected by the level of your debt at the time of your mortgage application

Tip #3 Beware of the mortgage pre-approval trap as it might have you paying too much for your dream home. Just because you can borrow a large sum of money doesn’t mean that you should necessarily spend that much

Tip #2 If your mortgage payment is an odd amount, ask the lender to round it up. For example, paying an additional $21.92 per month on an $800 monthly mortgage payment may not seem like a lot, but it amounts to several thousand dollars over the life of the loan.

Tip #1 As a general rule, you should not spend more than 30 percent of your gross combined family income on mortgage/rent payments!!

Starting Today, We Will Be Having Daily Tips/Tricks To Help You Save Money and Get A Bigger Bang For Your Buck! Stay Tuned!!

What A Gorgeous Monday!!! Perfect Beginning to the Work Week!

Dont Forget To Follow Us On Twitter!! @JEdwardsFinance

Scan And Visit Our Website Today! www.jedwardsfinancial.ca

Always Wondered If You Would Be Better Off Paying A Mortgage Instead Of A Rent Payment? Click The Link To Bring You To A "Rent VS Buy" Calculator, Fill It Out And See For Yourself! http://calculators.dominionlending.ca/calculator-rent-vs-buy

Dont Forget, ALL Consultations Are FREE Of Charge! And No Obligation For Anything After Your Appointment! Book Today!

Make An Appointment Today For A Free Consultation With One Of Our Highly Trained Professionals!

Dont Forget To Follow Us On Twitter!! @JEdwardsFinance !!!!

Cant Beat The Heat? Come In Today And Find Out How Close You Are To Your Dream Home!! (And Pool!!!)

Stephen LeBlanc Financial Advisor LLQP Broker

Jennifer Edwards, AMP Mortgage Expert Owner/Operator, J.Edwards & Associates Financial

Come In Today For A Free Consultation With One Of Our Highly Trained Professionals!