28/09/2024
Thinking of buying a new car? There is a key factor that you should consider! Before you sign that loan, think about how it could impact your mortgage pre-approval! Focus on saving for your home first...
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Thinking of buying a new car? There is a key factor that you should consider! Before you sign that loan, think about how it could impact your mortgage pre-approval! Focus on saving for your home first—houses appreciate, cars don’t. . . . #ljrealties #ljaguinaga #ljimmobilier #montrealrealestate #montrealrealestateinvestment #mtlrealestate #realestateadvice #realestatetips #financialplanning #mortgagetips #financialadvice #realestategoals
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25/09/2024
If you’re buying a home in 2024, having these documents ready will make the mortgage approval process a breeze. Here’s what your lender will require: a month’s worth of paystubs, the last two years of...
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If you’re buying a home in 2024, having these documents ready will make the mortgage approval process a breeze. Here’s what your lender will require: a month’s worth of paystubs, the last two years of W-2s, and your most recent bank statements for all your assets. Having these documents ready will speed up the process and help you get that approval faster! Follow for more tips on saving time and money when buying a home. #LJAguinaga #LJRealties #MontrealRealEstate #RealEstateMarket #HomeBuyingTips #MortgageApproval #HomeBuyingTips #RealEstate2024 #FirstTimeHomebuyer #HomeLoanDocuments #MortgageProcess #LenderRequirements #HomeLoanPrep #RealEstateAdvice #GetPreApproved #HomeBuyingJourney #RealEstateCanada #RealEstateExpert #SavingTime #MoneySavingTips #MortgageHelp #BuyAHome #HomeBuyingGuide #RealEstateSimplified #PropertyPurchase
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23/09/2024
Want to know if you can comfortably afford a $450K home? I’m breaking down the numbers so you know exactly what kind of income you’ll need to make it work!
#LJAguinaga #LJRealties #MontrealRealEstate...
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Want to know if you can comfortably afford a $450K home? I’m breaking down the numbers so you know exactly what kind of income you’ll need to make it work! #LJAguinaga #LJRealties #MontrealRealEstate #RealEstateMarket #HomeBuyingTips #HomeAffordability #MortgageTips #RealEstateFinance #FirstTimeHomebuyer #RealEstateCanada #HomeBuyingAdvice #MortgageCalculations #FinancialPlanning #RealEstateMath #PersonalFinance #RealEstateMarket #SmartHomeBuying #HomePurchase #HomeLoan #MonthlyBudget #MortgageRates #PropertyInvestment #RealEstateInvesting #BudgetingForAHome #AffordingAHome
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21/09/2024
There’s a new strategy that young people are using to retire way sooner than ever thought possible! It’s all about buying a primary home with just 5% down, then turning it into a rental after one year...
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There’s a new strategy that young people are using to retire way sooner than ever thought possible! It’s all about buying a primary home with just 5% down, then turning it into a rental after one year. By repeating this process, they build a portfolio of rental properties where tenants pay down the debt, creating passive income and a huge increase in net worth over time. Want to retire early? Reach out for more information. #LJAguinaga #LJRealties #MontrealRealEstate #RealEstateMarket #HomeBuyingTips #FinancialFreedom #EarlyRetirement #RealEstateInvesting #PassiveIncome #RentalProperty #WealthBuilding #RealEstateStrategy #YoungInvestors #5PercentDown #RealEstateWealth #RetireYoung #BuyAndHold #PropertyPortfolio #FirstTimeInvestor #InvestmentTips #RealEstateGamePlan #RentalIncome #SmartInvesting #MillennialMoney #RetirementStrategy
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18/09/2024
Use the ⅓ rule as your absolute maximum mortgage payment, but don’t forget to account for taxes and deductions. Here’s why your take-home pay matters more than you think!
#LJAguinaga #LJRealties #Mon...
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Use the ⅓ rule as your absolute maximum mortgage payment, but don’t forget to account for taxes and deductions. Here’s why your take-home pay matters more than you think! #LJAguinaga #LJRealties #MontrealRealEstate #RealEstateMarket #HomeBuyingTips #RealEstateTruth #MortgageTips #HomeBuyingAdvice #RealEstateMath #FinancialPlanning #MortgageBudgeting #HomeAffordability #FirstTimeHomebuyer #RealEstateCanada #IncomeVsExpenses #MortgageQualification #SmartHomeBuying #PersonalFinance #MonthlyBudgeting #AffordingAHome #RealEstateMarket #PropertyPurchase #FinancialResponsibility #Budgeting101 #RealEstateTips #MortgageRules
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17/09/2024
Federal Government raises insured mortgage cap to $1.5M, expands 30-year amortizations.
Find out what this means for you, your investments, and the real estate market.
Have questions or need some ex...
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Federal Government raises insured mortgage cap to $1.5M, expands 30-year amortizations. Find out what this means for you, your investments, and the real estate market. Have questions or need some expert insights? Drop a comment below or reach out to me directly. I’m here to guide you through the financial updates and help you make informed decisions. Stay informed, stay ahead! 💼📈 #ljaguinaga #ljrealties #BankOfCanada #FinancialNews #ExpertInsights #RealEstateAdvisor #AskMeAnything #Inflation
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16/09/2024
🗝️ Bridge Loans 101
Navigating the gap between selling your current home and buying a new one? A bridge loan might be just what you need! This short-term loan uses your current home's equity to secur...
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🗝️ Bridge Loans 101 Navigating the gap between selling your current home and buying a new one? A bridge loan might be just what you need! This short-term loan uses your current home's equity to secure the down payment on your new property, ensuring a smooth transition. Typically lasting a few weeks to a few months, it’s paid off once your existing home is sold. A smart move for a seamless home buying experience! . . . #BridgeLoan #HomeBuying #RealEstateSolutions #SeamlessTransition #LJRealties #MortgageTips #PropertyInvestment #EquityLoan #HomeSelling #RealEstateStrategy #HousingMarket #FinancialPlanning #HomeTransition #NewHomeJourney #PropertyFinancing
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14/09/2024
Does staging your home actually impact its sale? At LJ Realties, we’re convinced it does! A thoughtfully staged home doesn’t just capture more attention—it often sells faster and at a higher price. Wa...
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Does staging your home actually impact its sale? At LJ Realties, we’re convinced it does! A thoughtfully staged home doesn’t just capture more attention—it often sells faster and at a higher price. Want to know how it works, what it costs, and why it’s worth it? Let’s dive in! #LJAguinaga #LJRealties #MontrealRealEstate #RealEstateMarket #HomeBuyingTips #RealEstateTruth #HomeStaging #LJRealties #RealEstateTips #SellSmart #MontrealRealEstate #HomeSelling #PropertyStaging #StagedToSell
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11/09/2024
Home equity has just hit an all-time record high! 📈 Wondering what this means for you?
With low inventory keeping home prices high, many homeowners are sitting on significant equity. I want to expla...
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Home equity has just hit an all-time record high! 📈 Wondering what this means for you? With low inventory keeping home prices high, many homeowners are sitting on significant equity. I want to explain how you can leverage this equity using a Home Equity Line of Credit (HELOC). A HELOC is a separate loan from your first mortgage and doesn’t affect it. Use it to pay off debt, improve your home, or as a downpayment on another property. Don’t miss out on this opportunity to maximize your home’s value! #LJAguinaga #LJRealties #MontrealRealEstate #RealEstateMarket #HomeBuyingTips #HomeEquity #HELOC #RealEstateTips #PropertyInvestment #HomeImprovement #MortgageAdvice #FinancialFreedom #HomeValue #EquityLoan #RealEstateAdvice #InvestInProperty #DebtManagement #PropertyUpgrade #HomeFinance #EquityUse #HomeOwnership #SmartInvesting #RealEstateMarket #CashOutRefinance #HomeEquityLine #InvestmentOpportunities #FinancialPlanning #PropertyWealth #HomeRenovation
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09/09/2024
It might be controversial, but most people aren’t great at their jobs—especially in real estate. Here’s why doing your research on realtors can save you time and money. 🔍
#LJAguinaga #LJRealties #Mon...
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It might be controversial, but most people aren’t great at their jobs—especially in real estate. Here’s why doing your research on realtors can save you time and money. 🔍 #LJAguinaga #LJRealties #MontrealRealEstate #RealEstateMarket #HomeBuyingTips #RealEstateTruth #FindTheBestRealtor #ClientCareMatters #RealtorTips #RealEstateAdvice #HomeBuyingTips #RealEstateExperience #ChooseWisely #RealtorRecommendations #HonestEvaluation #ClientFirst #RealEstateExperts #ProfessionalismInRealEstate #TrustworthyRealtor #RealEstateService #RealEstateIndustry #FindingTheRightAgent #QualityOverQuantity #RealEstateCanada #SmartHomeBuying
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07/09/2024
🏡 Are you thinking about buying your first home? The typical first-time buyer today has a household income of around $97,000 and a down payment of $20,000. But what does that really mean for you?
If...
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🏡 Are you thinking about buying your first home? The typical first-time buyer today has a household income of around $97,000 and a down payment of $20,000. But what does that really mean for you? If you're bringing in about $8K per month and have some savings, it might be time to start seriously considering homeownership. Even if you're unsure, it’s always worth running the numbers to see where you stand. Let’s explore your options together, reach out for more info. #LJAguinaga #LJRealties #MontrealRealEstate #RealEstateMarket #HomeBuyingTips #FirstTimeBuyer #HomeBuyingJourney #RealEstateTips #FinancialPlanning #HomeOwnership #RealEstateAdvice #MortgageTips #BudgetingForAHome #HouseHunting #PropertyInvestment #BuyYourFirstHome #HomeAffordability #IncomeAndSavings #RealEstateMarket #BuyingAHome #FirstHomePurchase #FinancialGoals #RealEstateJourney #HouseholdIncome #DownPayment
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04/09/2024
Leverage is your best friend when it comes to growing wealth.
💰 Want to know how to use leverage to grow your wealth with a small amount of money? Let's break it down!
What if you used $20K as a do...
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Leverage is your best friend when it comes to growing wealth. 💰 Want to know how to use leverage to grow your wealth with a small amount of money? Let's break it down! What if you used $20K as a downpayment on a $400,000 home? With real estate's average appreciation rate of 3% per year in Canada, that investment could grow to $506,000 in 8 years—a $106K gain! Leverage is the key to building wealth through real estate, and it’s one of the best ways to turn a small investment into something big. #LJAguinaga #LJRealties #MontrealRealEstate #RealEstateMarket #HomeBuyingTips #RealEstateWealth #LeverageYourMoney #InvestmentTips #WealthBuilding #RealEstateInvestment #FinancialGrowth #PropertyInvestment #BuildingWealth #RealEstateAppreciation #SmartInvesting #InvestInProperty #RealEstateStrategy #HomeBuyingTips #InvestmentStrategy #WealthThroughRealEstate #RealEstateCanada #PropertyWealth #GrowYourWealth #Leverage #LongTermInvestment
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02/09/2024
Not renewing your lease? Here's what you need to know: when to notify your landlord, your obligations, and how to prepare for visits. Stay informed and make the process smoother!
#LJAguinaga #LJRealt...
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Not renewing your lease? Here's what you need to know: when to notify your landlord, your obligations, and how to prepare for visits. Stay informed and make the process smoother! #LJAguinaga #LJRealties #MontrealRealEstate #TenantRights #LeaseRenewal #RealEstateTips #MontrealLiving #KnowYourRights #Landlord #ApartmentLife #TenantAdvice #MovingOut #RealEstateTips
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31/08/2024
🏠 Are you saving up for a big down payment to avoid mortgage insurance and lower your monthly payments? While that sounds like a solid plan, it might actually cost you more in the long run. As you sav...
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🏠 Are you saving up for a big down payment to avoid mortgage insurance and lower your monthly payments? While that sounds like a solid plan, it might actually cost you more in the long run. As you save, home prices could rise, and you might end up paying more or even giving up on buying a home altogether. Here’s the truth: most young homebuyers aren’t putting 20% down anymore. You can buy a home with just 5% down, and mortgage insurance isn’t as big of a deal as you might think. If you want to know what your payments would look like with a 5% downpayment, drop a comment with the estimated property price, and I'll send you the numbers! #LJAguinaga #LJRealties #MontrealRealEstate #HomeBuyingTips #FirstTimeHomebuyer #MortgageAdvice #Downpayment #RealEstate #Homebuyers #MortgageInsurance #BuyingAHome #PropertyInvestment #RealEstateAdvice #HomeFinancing #MortgageTips #HousingMarket #SaveForAHome #RealEstateInvesting #FirstHome #HomeOwnership #MillennialHomebuyer #RealEstateInvestment #HomeBuyingJourney #MortgagePlanning #FinancialPlanning #HomeAffordability #MortgageHelp
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28/08/2024
🚨 This is your one and only warning about why you should never co-sign for someone else’s debt. It might seem like a good idea to help someone out, but you’re legally responsible for that debt until i...
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🚨 This is your one and only warning about why you should never co-sign for someone else’s debt. It might seem like a good idea to help someone out, but you’re legally responsible for that debt until it’s fully paid off. If things go south, your credit and assets are at risk. And unless you can clearly document that the other person has been making payments on time for at least 12 months, that debt could count against you when you try to qualify for your own loans. #LJAguinaga #LJRealties #MontrealRealEstate #FinancialAdvice #DebtManagement #CoSigningRisks #CreditScore #LoanResponsibility #FinancialWarning #DebtAwareness #CreditRisk #ProtectYourCredit #FinancialHealth #MoneyMatters #CreditTips #LoanGuidance #FinancialMistakes #DebtResponsibility
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26/08/2024
Did you know you can buy a new home without selling your current one? This strategy is becoming more popular, and it's time you knew about it too!
Here's how it works: By using a Home Equity Line of...
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Did you know you can buy a new home without selling your current one? This strategy is becoming more popular, and it's time you knew about it too! Here's how it works: By using a Home Equity Line of Credit (HELOC), you can pull out funds from your current home to pay off debt and use as a downpayment on your next property. You can rent out your existing home to cover payments, potentially keeping your monthly outflows manageable. The best part? You now own two properties, benefiting from rising property values over time. #LJAguinaga #LJRealties #MontrealRealEstate #RealEstateHacks #HELOC #HomeBuyingTips #PropertyInvestment #WealthBuilding #HomeEquity #SecondHome #RealEstateInvestment #BuyWithoutSelling #RentalIncome #RealEstateStrategy #HomeBuyingJourney #RealEstateAdvice #MortgageTips #InvestInProperty #PassiveIncome #RealEstateWealth #PropertyOwner #FinancialFreedom #HomeOwnership #RealEstateGrowth #EquityBuilding #RentalProperty #InvestmentProperty #HouseHacking
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24/08/2024
Just because many people are upset about high home prices doesn’t mean those prices will drop. Home prices are driven by supply and demand, and even with lower demand, prices have stayed stable. How d...
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Just because many people are upset about high home prices doesn’t mean those prices will drop. Home prices are driven by supply and demand, and even with lower demand, prices have stayed stable. How do you feel about the situation? #LJAguinaga #LJRealties #MontrealRealEstate #RealEstateMarket #HomeBuyingTips #SupplyAndDemand #HousingAffordability #MarketTrends #RealEstateAdvice #HomePrices #BuyersMarket #RealEstateNews #MarketAnalysis #HomePurchaseSentiment #PropertyPrices #InvestmentTips #RealEstateInsights #HousingTrends #MarketOutlook #HomeOwnership #PropertyInvestment #RealEstateDecisions #HousingMarket #RealEstateReality #HomeBuyerSentiment #MarketConditions #PropertyValues
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21/08/2024
Quick overview of rental rules in Quebec:
Rental agreements must use the standard lease form.
Rent increases follow strict guidelines and require proper notice.
Security deposits are not allowed—only ...
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Quick overview of rental rules in Quebec: Rental agreements must use the standard lease form. Rent increases follow strict guidelines and require proper notice. Security deposits are not allowed—only first month's rent. Evictions need valid reasons and proper notice. Tenants have strong rights, including lease renewal protections. Understanding these can help you navigate the market confidently. Questions? Reach out! #LJAguinaga #LJRealties #montrealrealestateagency #QuebecRentals #TenantRights #LandlordTips #RentalAgreement #QuebecLaw #RentIncrease #SecurityDeposit #EvictionRules #RealEstateTips
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19/08/2024
Invest in your child's future early! Buy a revenue property in their first year, let it appreciate over time. By the time they reach university, you'll have enough to cover their education, living exp...
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Invest in your child's future early! Buy a revenue property in their first year, let it appreciate over time. By the time they reach university, you'll have enough to cover their education, living expenses, and more. Smart planning starts today—give them the head start they deserve! . . . #RealEstateInvesting #FinancialPlanning #SmartParenting #LJAguinaga #LJRealties #RealEstateInvesting #PropertyInvestment #RealEstateAdvice #MontrealRealEstate #RealEstateGoals #PropertyGoals #InvestInRealEstate #RealEstateStrategy #SmartInvesting #FuturePlanning #DreamHome #RealEstateLife #RealEstateExperts #RealEstateTips #FirstTimeHomeBuyer #RealEstateInvestors #RealEstateSuccess #PropertyWealth #BuildingEquity #RealEstateOpportunity
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17/08/2024
Increase your home-buying power by over $100,000 with this simple down payment strategy!
Scenario Breakdown:
- Buying a $500,000 house with a 10% down payment ($50,000).
- You have an auto loan with...
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Increase your home-buying power by over $100,000 with this simple down payment strategy! Scenario Breakdown: - Buying a $500,000 house with a 10% down payment ($50,000). - You have an auto loan with a $25,000 balance and a $700 monthly payment. - Instead of putting the full $50,000 down, use half to pay off the auto loan. This strategy frees up $716 a month, increasing your affordability for a home loan payment. At today's rates, this move can boost your home-buying power by more than $100,000! This strategy might sound crazy, but the math proves it works. Follow this tip to maximize your home-buying potential. #LJAguinaga #LJRealties #MontrealRealEstate #HomeBuyingTips #RealEstateHacks #DownPaymentStrategy #IncreaseBuyingPower #MortgageAdvice #FirstTimeHomeBuyer #HomeBuyingProcess #RealEstateTips #FinancialFreedom #DebtPayoffStrategy
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14/08/2024
Investing in home improvements? Make sure you're spending wisely to maximize your return!
I'll break down the top 4 home improvement projects that offer the best return on investment. These projects ...
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Investing in home improvements? Make sure you're spending wisely to maximize your return! I'll break down the top 4 home improvement projects that offer the best return on investment. These projects not only improve your living space but also ensure you get the best return on your investment when it's time to sell. Don't miss these tips on smart home improvements! #LJAguinaga #LJRealties #MontrealRealEstate #HomeImprovement #HomeValue #ROI #HomeRenovation #RealEstateTips #HomeUpgrade #CurbAppeal #HomeInvestments #SmartRenovations #HomeSellingTips
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12/08/2024
Ready to invest in rental properties? Here are the 4 crucial things you need to know before buying:
1. Stable Employment
2. Balanced Debt-to-Income Ratio
3. Downpayment
4. Right Property
Follow thes...
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Ready to invest in rental properties? Here are the 4 crucial things you need to know before buying: 1. Stable Employment 2. Balanced Debt-to-Income Ratio 3. Downpayment 4. Right Property Follow these steps to ensure a smooth and profitable rental property investment journey. Like, comment, and subscribe for more real estate tips and advice! #LJAguinaga #LJRealties #MontrealRealEstate #RealEstateMarket #HomePrices #HomeBuyingTips #RentalProperty #RealEstateInvestment #HouseHacking #PropertyInvestment #RentalIncome #RealEstateTips #InvestingInRealEstate #PassiveIncome #RealEstateInvestor #PropertyManagement
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10/08/2024
Avoid bad tenants with this simple 3-step checklist:
Income Verification: Ensure the applicant's total income before taxes is at least three times the monthly rent amount.
Credit Check: Verify their...
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Avoid bad tenants with this simple 3-step checklist: Income Verification: Ensure the applicant's total income before taxes is at least three times the monthly rent amount. Credit Check: Verify their credit report to ensure there are no multiple missed payments or recent collections. Gut Feeling: Trust your instincts! Did they show up on time? Was their communication respectful? How does the inside of their car look? This last step is crucial and often overlooked but can single-handedly save you from a nightmare tenant experience #LJAguinaga #LJRealties #MontrealRealEstate #LandlordTips #TenantScreening #PropertyManagement #RentalProperty #RealEstateInvesting #LandlordLife #PropertyInvestment #TenantCheck #RentalIncome #RealEstateAdvice
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07/08/2024
Thinking about switching your variable rate mortgage to a fixed rate? Here's why I believe sticking with a variable rate might be the better bet.
I've been riding the variable rate wave since Decemb...
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Thinking about switching your variable rate mortgage to a fixed rate? Here's why I believe sticking with a variable rate might be the better bet. I've been riding the variable rate wave since December 2021, and after the recent rate reductions, it’s looking promising. Sure, those 3-year and 5-year fixed rates are getting more tempting each day, but if you’ve weathered the storm this long, it might be worth holding out. What do you think is the best decision for you? #MortgageAdvice #VariableRate #FixedRate #RealEstate #FinancialPlanning #MortgageTips #LJRealties
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