Timothy
Beautiful Townhome Located at 7 Devine Crescent

Beautiful Townhome Located at 7 Devine Crescent

UPDATE: This property has been sold! Please use our online complimentary St. Catharines Ontario real estate search to find similar available listings. Priced at $180,000 Down payment only $9,000.00 First Time Buyers or Investors!! Close to Brock University and Pen...

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Current Mortgate Rates

Current Mortgate Rates

Rate Term 5-Year Fixed 5.49% 6-Year VRM 2.50% / 4.375% Quote of the Week "Most of the important things in the world have been accomplished by people who have kept on trying when there seemed to be no hope at all." Dale Carnegie Have a great week! Paul Croteau Mortgage...

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Mother’s Day

Hey Bloggers, Happy Mother’s Day!! Bring your mom to the Market Square in Downtown St. Catharines and receive a special gift!! Do Something Different This Mother’s Day...   Mother’s Day   In the Market Square   Free Flower   to Every Mother,...

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Bank Mortgage Insurance

Bank Mortgage Insurance

Hey Bloggers, Like always, be very careful what you’re signing and ask the professionals about extra costs etc. Does anyone have a story about any family members who has had any issues with Mortgage Insurance, etc.? T. Timothy Salisbury Broker The Salisbury Team Royal...

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New energy initiatives for homeowners

Grants are available for homeowners going green. Both the provincial and federal governments have programs designed to encourage energy reduction. By staying up-to-date on the latest programs, you can offer clients valuable information that could save them money....

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Current Mortgate Rates

Current Mortgate Rates

Rate Term 5-Year Fixed 5.49% 6-Year VRM 3% / 4.875% Quote of the Week "Nothing will work unless you do." Maya Angelou Have a great week! Paul Croteau Mortgage Specialist BMO Bank of Montreal ph: (905) 321-3230 fx: (905) 641-7854...

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Property Assessment Freeze Lifted

The end of the three-year assessment freeze could mean homeowners in some parts of the province may face double-digit hikes in property taxes.  The provincial assessment freeze ended on January 1st.  However, the Ontario government says it plans to spread out any...

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Current Mortgage Rates

Current Mortgage Rates

Rate Term 5-Year Fixed 5.49% 6-Year VRM 3% / 4.875% Quote of the Week "It's not that I'm so smart, it's just that I stay with problems longer." Albert Einstein Have a great week! Paul Croteau Mortgage Specialist BMO Bank of Montreal ph: (905) 321-3230 fx: (905)...

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We’re Champions!!

We’re Champions!!

It’s as simple as that! In case you don’t know bloggers, I play in a hockey league on Friday nights here in St. Catharines at the 4 pad, short for The Seymour-Hannah Sports and Entertainment Center. We were a team that finished 7th in the standings. Then the playoffs...

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Current Mortgage Rates

Current Mortgage Rates

Rate Term 5-Year Fixed 5.69% 6-Year VRM 3% / 4.875% Quote of the Week "Success is simple. Do what's right, the right way, at the right time." Arnold H. Glasgow Have a great week! Paul Croteau Mortgage Specialist BMO Bank of Montreal ph: (905) 321-3230 fx: (905)...

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Smoke Alarms are Mandatory – It’s the Law!

Smoke Alarms are Mandatory – It’s the Law!

The following information about smoke alarms comes from Paul, The Fire Guy. Thanks Paul! The Independent Fire Code Specialist - Protecting Your Interests The 1997 edition of the Ontario Fire Code contains changes making Smoke Alarms mandatory in every dwelling unit....

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Current Mortgage Rates

Current Mortgage Rates

Rate Term 5-Year Fixed 5.69% 6-Year VRM 3% / 4.875% Quote of the Week "People talk of killing time, while time quietly kills them." Dion Boucicault Focus - A Weekly Financial Digest (focus080320.pdf) Have a great week! Paul Croteau Mortgage Specialist BMO Bank of...

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Interest rate cuts appear likely in April

This article was posted in St. Catharines Standard. It appears the Bank of Canada has a green light to lower its key interest rates aggressively next month if it wants to stimulate the economy, following another flat inflation report and the dramatic cut announced...

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Current Mortgage Rates

Current Mortgage Rates

Rate Term 5-Year Fixed 5.79% 6-Year VRM 3.00 / 4.875% Quote of the Week "A promise made should be a promise kept." Steve Forbes Have a great week! Paul Croteau Mortgage Specialist BMO Bank of Montreal ph: (905) 321-3230 fx: (905) 641-7854...

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A Very Special Little Girl

A Very Special Little Girl

This event is dedicated to a very special 7 year old girl, Anastasia Krowchuk. She was recently diagnosed with Transverse Myelitis which is a neurological condition resulting from inflammation of the spinal cord. How much she will recover is unknown. Anastasia...

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Market Conditions

Pay attention to market conditions – they will have a definite impact on your position as a buyer. The table below lists the influences that different conditions may have on you. Impact and expenses may vary, depending on your area. Market conditions Characteristics...

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Types of Home Ownership

What type of home ownership is right for me? There are three broad categories of home ownership: 1. Freehold The owner owns the house and the grounds. Freehold homes offer the most privacy and freedom of choice of any type of home. Homeowners are free to decorate and...

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Current Mortgage Rates

Current Mortgage Rates

Rate Term 5-Year Fixed 5.79% 6-Year VRM 3.00 / 4.875% Quote of the Week "Fortune befriends the bold." Emily Dickinson Have a great week! Paul Croteau Mortgage Specialist BMO Bank of Montreal ph: (905) 321-3230 fx: (905) 641-7854...

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When we change our clocks

When we change our clocks

Beginning in 2007, most of the United States begins Daylight Saving Time at 2:00 a.m. on the second Sunday in March and reverts to standard time on the first Sunday in November. In the U.S., each time zone switches at a different time. In the European Union, Summer...

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Tips for Preparing Your Home for Sale

Detach your emotions Remember, you are about to sell this house and the goal is to create a space in which as many people as possible will be able to envision as their potential home.  To properly prepare your home for sale you will have to pack away many of your...

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Current Mortgage Rates

Rate Term 5-Year Fixed 5.79% 6-Year VRM 3.50 / 5.375% Quote of the Week "Failure is success if we learn from it." Malcolm Forbes Focus - A Weekly Financial Digest (focus080229.pdf) Have a great week! Paul Croteau Mortgage Specialist BMO Bank of Montreal ph: (905)...

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From OREA Realtor Edge January 2008

Hey Bloggers This email says it all but good news for First Time Buyers and the Land Transfer Tax Refund Program recently expanded to include resale homes. T. Timothy Salisbury Broker Royal LePage Niagara Real Estate Centre Inc., Brokerage www.timothysalisbury.com...

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