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	<title>www.torontorealtyblog.com &#187; Mortgage</title>
	<link>http://www.torontorealtyblog.com</link>
	<description></description>
	<pubDate>Tue, 09 Mar 2010 12:02:01 +0000</pubDate>
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			<item>
		<title>Get A Mortgate Pre-Approval!</title>
		<link>http://www.torontorealtyblog.com/2010/03/05/get-a-mortgate-pre-approval/</link>
		<comments>http://www.torontorealtyblog.com/2010/03/05/get-a-mortgate-pre-approval/#comments</comments>
		<pubDate>Fri, 05 Mar 2010 12:00:31 +0000</pubDate>
		<dc:creator>David Fleming</dc:creator>
		
		<category><![CDATA[Mortgage]]></category>

		<guid isPermaLink="false">http://www.torontorealtyblog.com/2010/03/05/get-a-mortgate-pre-approval/</guid>
		<description><![CDATA[This past Tuesday, the Bank of Canada announced that the prime lending rate would not be changed, although they hinted at an increase in July.
It&#8217;s not like the government would ever lie, right?
Change or no change, I have to stress: get a mortgage pre-approval!

]]></description>
		<wfw:commentRss>http://www.torontorealtyblog.com/2010/03/05/get-a-mortgate-pre-approval/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Variable or Fixed?  Both Options Have Merit!</title>
		<link>http://www.torontorealtyblog.com/2010/02/02/variable-or-fixed-both-options-have-merit/</link>
		<comments>http://www.torontorealtyblog.com/2010/02/02/variable-or-fixed-both-options-have-merit/#comments</comments>
		<pubDate>Tue, 02 Feb 2010 12:00:59 +0000</pubDate>
		<dc:creator>David Fleming</dc:creator>
		
		<category><![CDATA[Mortgage]]></category>

		<guid isPermaLink="false">http://www.torontorealtyblog.com/2010/02/02/variable-or-fixed-both-options-have-merit/</guid>
		<description><![CDATA[The debate about variable versus fixed rate mortgages is raging now more than ever.
I could explain it myself, OR, I could just re-post this article that appeared in Friday&#8217;s Globe Investor&#8230;

]]></description>
		<wfw:commentRss>http://www.torontorealtyblog.com/2010/02/02/variable-or-fixed-both-options-have-merit/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Buying With 5% Down</title>
		<link>http://www.torontorealtyblog.com/2010/01/12/buying-with-5-down/</link>
		<comments>http://www.torontorealtyblog.com/2010/01/12/buying-with-5-down/#comments</comments>
		<pubDate>Tue, 12 Jan 2010 12:00:15 +0000</pubDate>
		<dc:creator>David Fleming</dc:creator>
		
		<category><![CDATA[Mortgage]]></category>

		<category><![CDATA[Opinion]]></category>

		<guid isPermaLink="false">http://www.torontorealtyblog.com/2010/01/12/buying-with-5-down/</guid>
		<description><![CDATA[During the last six years, I&#8217;ve had clients buy with as much as 100% down and as little as 0% down.
In actual fact, I&#8217;ve had clients buy with negative downpayments when &#8220;107% financing&#8221; was still available.
Buying with 5% down is very common, but should it be? 

]]></description>
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		</item>
		<item>
		<title>&#8220;Mortgage Plus Improvements&#8221;</title>
		<link>http://www.torontorealtyblog.com/2009/02/03/mortgage-plus-improvements/</link>
		<comments>http://www.torontorealtyblog.com/2009/02/03/mortgage-plus-improvements/#comments</comments>
		<pubDate>Tue, 03 Feb 2009 14:00:16 +0000</pubDate>
		<dc:creator>David Fleming</dc:creator>
		
		<category><![CDATA[Development]]></category>

		<category><![CDATA[Mortgage]]></category>

		<category><![CDATA[Business]]></category>

		<guid isPermaLink="false">http://www.torontorealtyblog.com/2009/02/03/mortgage-plus-improvements/</guid>
		<description><![CDATA[There is a new mortgage product on the market called Mortgage Plus Improvements.
It&#8217;s actually a new spin on an old idea, but it&#8217;s quite innovative and should open doors for a lot of buyers.
However, where there are pros, there are also cons&#8230;

]]></description>
		<wfw:commentRss>http://www.torontorealtyblog.com/2009/02/03/mortgage-plus-improvements/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Referral Fees</title>
		<link>http://www.torontorealtyblog.com/2008/12/05/referral-fees/</link>
		<comments>http://www.torontorealtyblog.com/2008/12/05/referral-fees/#comments</comments>
		<pubDate>Fri, 05 Dec 2008 14:00:59 +0000</pubDate>
		<dc:creator>David Fleming</dc:creator>
		
		<category><![CDATA[Mortgage]]></category>

		<category><![CDATA[Opinion]]></category>

		<category><![CDATA[Business]]></category>

		<guid isPermaLink="false">http://www.torontorealtyblog.com/2008/12/05/referral-fees/</guid>
		<description><![CDATA[Referral&#8217;s are a part of any business, as they should be.
One hand washes the other!
Or how about, &#8220;you scratch my back, I&#8217;ll scratch yours!&#8221;
There are, however, rules and regulations in the Real Estate industry that all of us must follow&#8230;

]]></description>
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		</item>
		<item>
		<title>Mortgage Mishaps</title>
		<link>http://www.torontorealtyblog.com/2008/12/03/mortgage-mishaps/</link>
		<comments>http://www.torontorealtyblog.com/2008/12/03/mortgage-mishaps/#comments</comments>
		<pubDate>Wed, 03 Dec 2008 16:49:25 +0000</pubDate>
		<dc:creator>David Fleming</dc:creator>
		
		<category><![CDATA[Mortgage]]></category>

		<category><![CDATA[Opinion]]></category>

		<category><![CDATA[Business]]></category>

		<guid isPermaLink="false">http://www.torontorealtyblog.com/2008/12/03/mortgage-mishaps/</guid>
		<description><![CDATA[I always tout the use of a mortgage broker over that of mortgage specialist from your corner-store bank, but lately I&#8217;ve run into a couple of issues with both varieties.
Perhaps like any other industry, these people are in it to make money.  And if you&#8217;re not careful, they just might sell you down the river [...]]]></description>
		<wfw:commentRss>http://www.torontorealtyblog.com/2008/12/03/mortgage-mishaps/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Isn&#8217;t This How It All Started?</title>
		<link>http://www.torontorealtyblog.com/2008/12/01/isnt-this-how-it-all-started/</link>
		<comments>http://www.torontorealtyblog.com/2008/12/01/isnt-this-how-it-all-started/#comments</comments>
		<pubDate>Mon, 01 Dec 2008 14:00:40 +0000</pubDate>
		<dc:creator>David Fleming</dc:creator>
		
		<category><![CDATA[Mortgage]]></category>

		<category><![CDATA[Opinion]]></category>

		<category><![CDATA[Business]]></category>

		<guid isPermaLink="false">http://www.torontorealtyblog.com/2008/12/01/isnt-this-how-it-all-started/</guid>
		<description><![CDATA[My father always told me, &#8220;Don&#8217;t make the same mistake twice.&#8221;
If only our economy worked that way.
I saw a flyer today for a new mortgage company that scared the pants off me.  They&#8217;re offering the very same products that put the North American economy in it&#8217;s current predicament.  And now, I&#8217;m going to rip into them [...]]]></description>
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		</item>
		<item>
		<title>The Ill-Fated, Free Raptors T-Shirt&#8230;</title>
		<link>http://www.torontorealtyblog.com/2008/09/11/the-ill-fated-free-raptors-t-shirt/</link>
		<comments>http://www.torontorealtyblog.com/2008/09/11/the-ill-fated-free-raptors-t-shirt/#comments</comments>
		<pubDate>Thu, 11 Sep 2008 14:15:41 +0000</pubDate>
		<dc:creator>David Fleming</dc:creator>
		
		<category><![CDATA[Mortgage]]></category>

		<category><![CDATA[Opinion]]></category>

		<category><![CDATA[Business]]></category>

		<category><![CDATA[Condos]]></category>

		<guid isPermaLink="false">http://www.torontorealtyblog.com/2008/09/11/the-ill-fated-free-raptors-t-shirt/</guid>
		<description><![CDATA[The following is a story of how a &#8220;free&#8221; Toronto Raptors t-shirt almost cost my client his condo.
Some of you might already have your suspicions about how this story starts and finishes.
But for the rest of you, let this be a lesson in the basics of your credit score&#8230;

]]></description>
		<wfw:commentRss>http://www.torontorealtyblog.com/2008/09/11/the-ill-fated-free-raptors-t-shirt/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Mortgage Industry Changes (Part II)</title>
		<link>http://www.torontorealtyblog.com/2008/07/15/mortgage-industry-changes-part-ii/</link>
		<comments>http://www.torontorealtyblog.com/2008/07/15/mortgage-industry-changes-part-ii/#comments</comments>
		<pubDate>Tue, 15 Jul 2008 14:15:12 +0000</pubDate>
		<dc:creator>David Fleming</dc:creator>
		
		<category><![CDATA[Mortgage]]></category>

		<category><![CDATA[Business]]></category>

		<guid isPermaLink="false">http://www.torontorealtyblog.com/2008/07/15/mortgage-industry-changes-part-ii/</guid>
		<description><![CDATA[After almost a week, most stories would be considered &#8220;old news.&#8221;
But the debates, discussion, and analysis continues and will probably do so for some time.
Today, I&#8217;d like to continue where we left off yesterday and look at the cause and subsequent effect&#8230;

]]></description>
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		</item>
		<item>
		<title>Changes to The Canadian Mortgage Industry</title>
		<link>http://www.torontorealtyblog.com/2008/07/14/changes-to-the-canadian-mortgage-industry/</link>
		<comments>http://www.torontorealtyblog.com/2008/07/14/changes-to-the-canadian-mortgage-industry/#comments</comments>
		<pubDate>Mon, 14 Jul 2008 13:54:14 +0000</pubDate>
		<dc:creator>David Fleming</dc:creator>
		
		<category><![CDATA[Mortgage]]></category>

		<category><![CDATA[Business]]></category>

		<guid isPermaLink="false">http://www.torontorealtyblog.com/2008/07/14/changes-to-the-canadian-mortgage-industry/</guid>
		<description><![CDATA[If you haven&#8217;t heard already, you&#8217;re going to need to read this.
Last week, changes were enacted by the Canadian Finance Department that will revamp Canada&#8217;s mortgage industry.
Of all the decisions and changes our Canadian government makes, this is the best one I&#8217;ve seen in a long time&#8230;

]]></description>
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