Francine Tracey

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Latest Lending Rates

Since our rates change daily, we have chosen not to post a rate sheet. Please inquire directly for a quote on your mortgage.

A mortgage is so much more than rate !

Many mortgages today have hidden penalty clauses or limited prepayment provisions, or lack the flexibility that you need to get the greatest lifetime savings out of your mortgage. If you want to compare apples to apples, you really need to consult with a mortgage professional. For a rate quote please contact us.


Should I refinance my existing high rate mortgage?

With rates being historically low, many people are in mortgages that are at a higher rate of interest than today’s rates. The problem is that it is difficult for the average consumer to calculate whether paying a prepayment penalty would be beneficial. We can certainly help you with that if you can provide us with the information required to accurately perform a cost benefit analysis for you (there is no charge for this service).

It is a good idea for you to give us the information about your other debts in case that a consolidation would be of benefit to you. It is entirely possible that you could consolidate your debts and actually pay your mortgage off faster by applying all of the payments to a low interest rate mortgage. Otherwise you may find it better to lower your payment so that you can afford to breath again.


For a complete analysis of your financial situation please contact us.



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