ON Canada, Sept 11, 2011 - Current fixed rates are at the lowest and this makes housing more affordable. Variable rates on the other hand is around 2.4% while fixed are at 3.19%. The difference between the two rates is low or $ 39 for 25 years for each 100K of loan. Having the peace of mind of equal payments vs. low and volatile rates, the fixed rate may be a better option at this point in time. It could change next month. Email me at victor_catalan@centum.ca if you need further assistance on this matter.

ON Canada - yes it would be a good exercise to do this especially if you want to get the best deal that you would want on renewal. Some clients want rates, others is pre-payment, others is the locking in to best rates when availing the variable rate mortgage. Email me if you need assistance - victor_catalan@centum.ca

LTV is Loan To Value. The maximum LTV you can do on a Purchase is 95%. On a refinance the max LTV is 85%. James Shinners. Mortgage Managers. www.mortgagemanagers.ca 1-877-996-6677

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I currently have a morgage balance of 79,558.88. we bought the house last october 06. i have until november of 2008 to get it refinanced or get a fixed rate, right now i have a arm rate. the last time i checked my credit they said my middle was 641. the go by the low and the high and told me my middle (if anybody understands that) sorry! i got approved for a walmart credit card (not the discover). my question is when november comes around and i keep good standing on my house and credit and other bills. do you think i will have enough credit to go to the local bank and get it refinanced there? i am paying countrywide right now and the bank i am looking at goes through countrywide to does that make a differnence? or any adive on what i should do. also i was gonna send extra each month and try to have about 76,000-75,000 left on the loan when i have it refinanced. should knock off a couple of thousand dollors.

did you go to optout.com that will raise you credit and everytime you check your credit or someone else checks it your credit score goes lower, only spend 40% of your credit limit and pay it off in full all the time if the house is in Virginia or Maryland my dad can help you out better then i can he owns a mortgage company email me if it is in Virginia or Maryland

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In australia since gst we have no food items under a dollar. meat is mince meat (hamburger is $8.99 to 12.99 if you buy it in the supermarkets like coles, woolworths and safeway potatoes are $3.79 a kilo in the supermarket. 500 gram pastas like san remo are $2.49 300gram butters - $3.70 bread from the supermarket - $3.80 or 2 for $6 fish - all types of fish $12.99 to $35 a kilo for pink salmon even frozen food is expensibe like $4 for 1 kilo frozen chips lamb is $8.99 grapes are cheaper at this time of year at $4 a kilo mangos - $3 1 kilo of onions - $2.90 whats your prices do you find food cheap or expensive? our petrol is $1.50 a litre and upto a $1.70 in country areas. house prices have gone from a three bed room house for $60,000.00 10 years ago to the average house is four hundred and fifty thousand dollars and the average morgage is $500.00. what is you cost of living? that is $500.00 a week in morge repayments. 89% of women work because they have to.

Pasta in America roughly $1.00 per pound Butter $2.50 per pound Plain White bread $2,00 per loaf Frozen Fries (Crisp) $2.50 for 2 pounds. Gas is currently about $3.00 per gallon Average rent for a decent home is $1.000 per month Average Mortgage is about10% of house cost.$ 200.000 home=$2000 per month mortgage payment These are prices from my area...which is in Middle Tennessee.And our cost of living is pretty good here.