Todd Fryer Sales Representative CENTURY 21 Aberwin Realty Inc. 130-905 Rymal Road East Hamilton, ON L8W 3M2 Main: 905-525-9990 Toll Free: 1-866-396-0946 Cell: 905-869-3473 todd.fryer@century21.ca www.toddfryer.com
Bad Weather? Build Above Code Canada's Top 10 Weather Stories for 2009 have been released by Environment Canada, and some of the ground-breaking news would make you think twice about where you choose to buy a home or, at the least, about the types of renovations you're doing. Some scary weather highlights from the year just passed: • For the first time in nine years, multiple deaths from tornadoes occurred in Canada • Hamilton, Ontario saw more than 100 mm of rain fall in 90 minutes! • Property damage from weather extremes cost Canadian insurers millions of dollars – one of the most expensive years ever • An Alberta hail storm was likely the second or third most expensive weather event in Canadian history • Major ice-jam flooding in Manitoba along the Red River, and in New Brunswick along the Saint John River While there's nothing you can do to prevent the howling winds and precipitation that wrack our nation, you might consider going beyond the building code when you are having renovations done to your home. Despite the additional cost involved in reinforcing your foundation, walls, windows and roof, that investment is your best protection (aside from insurance) from the potential risks of intense precipitation, erratic winter temperatures, drought, flooding and even hurricanes and tornadoes. Advanced materials, building techniques are all worth investigating - whether it's a brand new home or older home you purchase.
Should you ever pay a Mortgage Broker? Did you know that it should never cost you to have a mortgage broker looking out for your best interests? Mortgage professionals are well compensated for arranging mortgage financing on your behalf, but in most cases, their fee is paid by the lender.* In order to attract your business, lending institutions must allocate a portion of their income to marketing and sales, but representatives working for these institutions have only one financial product to sell – their own. Lenders know you won’t do business with them unless you have had ample opportunity to shop and compare. Therefore, it is in their best interest to compensate mortgage brokers for helping you do exactly that. Mortgage brokers have access to the latest information from a multitude of mortgage lending institutions. The above information was provided by Centum Financial Group Inc. *Situations exist where specific clients or properties do not meet conventional lender expectations. In these cases, a mortgage broker may attempt to find suitable financing through alternate sources. A fee, agreed upon in advance, may be charged directly to the client by a mortgage broker.
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