Brian Gentles - Canada Mortgage Direct

2440 Kensington Road NW, Calgary Alberta, Canada, T2N 3S1

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	Mortgage Consultant Vice President Calgary: 403.521.6366 Toll Free: 1.866.273.6192
info@briangentles.com
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FIXED RATE, CLOSED MORTGAGES Please call to discuss current rates.
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FIXED RATE, OPEN MORTGAGES
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VARIABLE RATE and CLOSED MORTGAGES based on current Prime at 6.25%
Lender	Term	at
Bridewater	5 years, closed	Prime minus
FirstLine	5 years	Prime minus
FirstLine	5 years open	Prime
First National	3 closed / 2 open	Prime minus
Scotia	5 years	Prime minus
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(Rates effective OAC)

Welcome

Brian Gentles is a Mortgage Associate licensed by the Real Estate Council of Alberta (RECA). He is an active member of the Alberta Mortgage Brokers Association (AMBA) and the Canadian Associate of Accredited Mortgage Professionals (CAAMP).

Brian is one of the initial group of Canadian Mortgage Associates to be granted the designation Accredited Mortgage Professional (AMP). This certification is a recent evolution in the mortgage industry with a goal of further enhancing the level of professionalism and consumer confidence in the industry.

To be granted this designation, a Mortgage Associate must have successfully completed a qualifying examination, a course and examination on Ethics, have a minimum number of years experience in the mortgage industry and must commit to both a Standard of Ethical Practice and continuing education.

This designation is granted by the Canadian Association of Accredited Mortgage Professionals. The AMP designation sets a single national proficiency standard for Canada 's mortgage professionals. CAAMP has over 11,500 members from across Canada ; representing over 90% of Canada 's mortgage activity.

Trends

A mortgage that matures on November 1, 2012, coincident with a US Presidential election. Even Canadian mortgage interest rates are historically low in the US Presidential election years.

A Home Equity Line of Credit (HELOC) to access lower interest funds to pay down higher interest debt, pay for children's education, buy a second property for vacation or revenue, invest for your retirement or a multitude of other options.

New mortgage products for recreational property are now available.

Do you want to pay off your mortgage faster? Virtually all mortgages have provisions to do this - without penalty. Call to discuss and we'll help you achieve your goals.

About Mortgages

Cash back for Down Payment and true zero down - 100% financing . . .
- - - - - for new purchases where the buyers do not have a down payment. Call to discuss..

30 and 35 year amortization. CMHC, Genworth Financial AIG have estended financing programs. Reduce your payments or qualify for a higher mortgage with the same income.

Note:

A few lenders are still honouring 100% financing (no down payment needed) and 40 year amortization mortgages until October 14, 2008. If you, or someone you know, thinks this may be something of interest, let's get started on that application to pre-qualify for the purchase of your next home, and lock in a great rate now.

A variety of mortgage products can be used to unlock the equity in your home - anywhere up to 90% of the current appraised value. This equity can be used to pay down higher interest debt, for investment purposes, for home renovations, or a multitude of other goals.

With rates still at a 40 year low, why not check into the possibility.

No cost, no obligation . . . Your Home is Worth It!

Why use a mortgage broker?

	SAVE MONEY - lenders lend money through mortgage brokers at "discounted rates" -- no need to attempt to negotiate with your bank.
	MORE CHOICE - mortgage brokers have access to 30+ lenders - including the chartered banks and many lenders who do not have "retail" offices.
	FLEXIBLE QUALIFICATION - many of the 30+ lenders have qualification criteria outside of the usual "bank" requirements -- including: non-verifiable income for self-employed individuals, past credit issues where there is good credit management today, zero down payment, recent immigrants where there is good credit history from their home country.
	SAVE TIME AND PRESERVE YOUR CREDIT "SCORE" - one application, one credit check, and multiple options for you to choose from.

Why Brian Gentles, AMP?

	SERVICE - Brian is available to meet or discuss with you at a time and place of your choosing.
	CONNECTED - Brian is electronically connected to the lenders and Equifax; he can submit the application from your home or office.
	QUALIFIED - Brian is licensed by the Real Estate Council of Alberta and a member of the Mortgage Brokers Association of Alberta and the Canadian Association of Accredited Mortgage Professionals. Brian is active in the industry, full time, and continues his professional education, ensuring that he is up to date on all programs and issues.