1. DON'T LOCK-IN (3 YEARS OR LONGER) 
2. DON'T TAKE A SPLIT LEVEL MORTGAGE 
3. DON'T EARLY RENEW AND BLEND THE RATES 
4. DON'T JUST GO TO YOUR CURRENT FINANCIAL INSTITUTION 
5. DON'T TAKE A FIRST AND SECOND JUST TO AVOID THE CMHC FEE 
6. DON'T "TEST MARKET" BY APPLYING AT SEVERAL LENDERS
   (FOR ALL THESE DON'TS - CALL ME TO FIND OUT WHY)
7. DO HAVE A STRATEGY FOR PAYING OFF YOUR MORTGAGE
8. DO REVIEW YOUR MORTGAGE IF YOU ARE CLOSE TO THE 3RD  ANNIVERSARY
9. DO ENSURE YOU UNDERSTAND ALL OF THE AVAILABLE CHOICES & OPTIONS   
   (FOR ALL THESE DO'S - CALL ME FOR INDEPENDENT, OBJECTIVE  ADVICE)
10. MAKE A STANDARD MORTGAGE PAYMENT (25 YEAR TERM AT THE  5-YEAR RATE),  AND CUT YOUR INTEREST COSTS ALMOST IN HALF.

SOUNDS IMPOSSIBLE? CALL ME TO FIND OUT HOW.

REMEMBER:  IN MOST CIRCUMSTANCES, MY ADVICE AND SERVICES ARE AT NO COST TO YOU.  ON MOST MORTGAGE TRANSACTIONS WE ARE PAID BY THE LENDER WHO GETS YOUR BUSINESS.

ALAN WATKINS, Alpha House Mortgage Corporation
9040 Leslie Street, Suite 217 Richmond Hill, On  L4B 3M4 Phone: (416) 518-7580