Dawna Providenti Blogspot

Thursday, April 28, 2011

Mortgage renewing? Let me negotiate on your behalf

When renewing your mortgage, you are most likely in a different financial position than when you first obtained the loan. As our financial and life circumstances change, so does the mortgage that is optimal for our needs and goals. At renewal time, I can offer expert advice on a customized mortgage strategy to ensure you are taking full advantage of the many mortgage options on the market in

Canada

. I will also negotiate with lenders on your behalf to make certain that you get an extremely competitive interest rate.

For those who are thinking of switching their current mortgage to another lender to get a better interest rate, most lenders now offer "no cost or low cost switches." This can be a smart way to reduce your interest costs. As a mortgage broker I can take care of all the details.

Whether it’s time to renew your mortgage, or you’re wanting to switch lenders, get me working for you today.

Smart spending strategies

These days, many of us know we should be more careful with our money. However, being cash conscious doesn't mean you have to feel like you're on a tight budget.

There are some simple strategies to manage your spending, to help you reach your financial goals sooner.

Follow the money: Have a plan detailing your financial commitments and outlining your long-term goals. Knowing exactly where your money is going month by month is a key step to saving for the long term.

The 10% approach: Almost everyone can afford to take ten per cent of their regular earnings to put aside in a savings account. Take the money out just after you are paid and you won't even notice it's gone. This beats keeping an excess amount on hand, as it removes the temptation to buy non-essential items.

A weekly allowance: Consider giving yourself a weekly allowance ensuring you have enough to buy groceries, with some extra for incidental spending and other expenses.

Up your mortgage payments: Try increasing the contribution you make to your mortgage each month. The more cash you put toward your home, the faster you'll be able to pay off your mortgage or access home equity for other projects or investments.

Keep high-interest debt in check: With high interest rates on most credit cards, it’s essential not to run up your credit card balance. For larger purchases, use savings from your salary/income, or consider accessing your home’s equity.

Source:Mortgage Intelligence

Thursday, April 7, 2011

Testimonial

My most recent clients asked me to help them sell their home. They were looking to downsize from their farm. I was fortunate to be able to work with clients who followed my advise in terms of pricing and getting their property ready for sale. I am proud to say that their house sold and that they are now enjoying a new lease on life in a brand new home.

Dawna Providenti is a very accomodating agent. Her pleasing personality knowledge and business expertise is impressive. She is very considerate realtor and aware of all circumstances pertaining to making a sale. Her consistency and follow up was much appreciated.
Winston & Arlene Edwards