What are paste ups ???

If you are owner of realty in Saskatoon, Ave I please contact me cv975@yahoo.com

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But that was in the past before i came into the picture. well we have been together for 3 years and want to buy a bigger home, but the banks basically tell us to go fuck ourselves. we have a large down payment (85,000) and want a house that cost about 320,000. so we aren't hurtin for the down payment. does anyone have any advice to give us, is there any other way to get a mortgage...like maybe a broker? we live in alberta. also...has anyone ever gone to a broker and actually gotten a mortgage or whatever. how much did it cost you?

Try to get the house in your name only. If you cannot qualify for the payment by yourself, but you have good credit, you will need compare the rate with both of you vs. the rate for you alone on a "no income verification" loan. 20% is a great down payment. More than that usually does not give significant benefits, but may depending on the loan type. There are a lot of mortgage brokers in Canada. Tell them what your scores are, and what you want to do. They should be able to give you information without pulling your credit so you can compare rates and fees.

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Here's my situation. i'm in first semester of grade 12. i live in windsor, ontario, canada. i get good grades when i apply myself, but i don't really see any point to school, therefore i rarely apply myself. i have a loving family and will probably live at home for another 4-6 years. having said that, that gives me 4-6 years to prepare financially for living on my own. if i work out at the oil rigs in alberta for say 2-3 years and make over 100k, i could put that money in a savings account for a few years. let's say i'm 22 and have 100k in a savings account. if i leave that money in there and let the interest build for a few years say at 4% annual compound interest i would have about 112k in the bank. this doesn't even account for the money i could save working from ages 22-25. anyways so i'm 25 and have about 120k in the bank (save 8000 at least from ages 22-25 from part-time job). i buy a $100,000 home with 5% down payment for 20 years. the trick is i wouldn't have to pay for any of my down payment bills because i'd have 120k in the bank and the 5k interest i'd be making a year in my savings account would suffice for the 5k down payment bills a year for my house. so that would leave with insurance bills, electricity bills, gas bills, food bills, telephone bills, etc. but not house bills. christian horizons is a great place for people with no college or university education to make a living. starting pay is 16$/hour once you're 18. if i managed to work 30 hours a week (and that's not even that much) by age 22 i'd be making 25k a year. plus you get raises over the years (my mom makes 20.5$ an hour). i'm sure 25k a year would be enough to live a comfortable frugal lifestyle. if i worked 40 hours a week at 16$/hour i'd make over 33k a year which would be even better. when i've worked there for around 15-20 years i'd be making 20$/hour therefore if i worked 40 hours/week = 41.6k a year. this is good money for no post-secondary education! i'm not really into having a super fancy house or car. i just want enough so that i can live comfortably and be debt free without wasting years of my life in college or university. does this sound like a good plan? even if i did have a family, my wife could have a part time job to make ends meet. i like educating myself for real life use. other than that, it's just a number on a paper for me. which begs the question, what do you think of post-secondary education? would you advise me to go based on what i just told you? *note: age 22-25 after working in the oil rigs would provide even more income which could be saved into my bank account so i could buy even better than a $100,000 home.

If you can earn 100k a year then you should do that for as long as you can and live on as little as possible. If you earn 100k a year for 5 years that's 1/2 million dollars. If you buy a 200,000 dollar home and put the rest of that money in some good growth stock mutual funds earning between 8-12% interest when you get ready to retire you will be a multi-millionaire. The math is very sound. And college is not for everyone. I can tell you that having a college degree will open doors for you that otherwise wouldn't be opened, it is not necessary to be successful financially I know lots of broke doctors, and lots of rich farmers. A degree does not equal success. It seems as though you have a good level head and you will be successful at what you do.