Current Mortgage Rates

TERM                  RATE

5 Year Fixed        2.89%

5 Year VRM         2.40% Prime minus 0.60%

 

QUOTE OF THE WEEK

“Find a purpose in life so big it will challenge every capacity to be at your best.”

– David Mckay

Mortgage Expertise at your doorstep 24/7

Paul Croteau, AMP Mortgage Specialist BMO Bank of Montreal
Phone: (905) 321-3230 Fax: (905) 641-7854 Paul.croteau@bmo.com

The Super Bowl Game!

The Super Bowl Game is happening on Sunday, February 1st at the University of Phoenix, Arizona Stadium with kick off time at 6:30 PM.  The Seattle Seahawks play the New England Patriots.  We invite you to enter the Salisbury Team Super Bowl Contest and you could WIN a Dinner Gift Certificate to a local restaurant!

enter-buttonJust click on Timothy’s Blog and tell us which team you think will win the Super Bowl and why.

But wait!  There’s a second prize for our non-football fans!  Leave a funny comment or statement on Timothy’s Blog and be eligible to win a prize!    

You have to play to WIN!  Join the community and enjoy the Game!

If there is more than one winner, a draw will be held. Winners will be announced in the next newsletter.

Don’t delay – Deadline for entry is Sunday, February 1st at 6:30 PM !

Good Luck!

Timothy

 

Past Contests

Superbowl ’48 Contest

Super Bowl 46′ Contest

Salisbury ‘Super Bowl 45′ Giveaway of the Year

Super Bowl XLIV (44)

Current Mortgage Rates

TERM                  RATE

5 Year Fixed        2.89%

5 Year VRM         2.40% Prime minus 0.60%

 

QUOTE OF THE WEEK

“Every strike brings me closer to the next home run.”

– Babe Ruth

Mortgage Expertise at your doorstep 24/7

Paul Croteau, AMP Mortgage Specialist BMO Bank of Montreal
Phone: (905) 321-3230 Fax: (905) 641-7854 Paul.croteau@bmo.com

Current Mortgage Rates

TERM                  RATE

5 Year Fixed        2.99%

5 Year VRM         2.40% Prime minus 0.60%

 

QUOTE OF THE WEEK

“The best and most beautiful things in the world cannot be seen or even touched. They must be felt with the heart. Wishing you happiness.”

– Helen Keller

Mortgage Expertise at your doorstep 24/7

Paul Croteau, AMP Mortgage Specialist BMO Bank of Montreal
Phone: (905) 321-3230 Fax: (905) 641-7854 Paul.croteau@bmo.com

Christmas Time!

It’s that time of year again when friends and family think about the Christmases past and plan for the upcoming holiday. As we reflect on this festive holiday, we remember that Christmas is not just any holiday, but may be the most important one of the year for some.  It’s a time for remembering, a time to share the goodness of your heart with others, and for expressing with words and gifts what someone means to you.  It’s a chance to make wishes come true for old and young alike.

I sincerely hope you will have an ideal Christmas, one that is celebrated as a reflection of your values, desires and traditions.

The History of the Christmas Tree

christmas-1In the Northern hemisphere, the shortest day and longest night of the year falls on December 21 or December 22 and is called the winter solstice. Many ancient people believed that the sun was a god and that winter came every year because the sun god had become sick and weak. They celebrated the solstice because it meant that, at last, the sun god would begin to get well. Evergreen boughs reminded them of all the green plants that would grow again when the sun god was strong and summer would return.

At the solstice, the ancient Egyptians filled their homes with green palm rushes which symbolized the triumph of life over death. Early Romans marked the solstice with a feast in honor of Saturn, the god of agriculture. To mark the occasion, they decorated their homes and temples with evergreen boughs. In Northern Europe the mysterious Druids, the priests of the ancient Celts, also decorated their temples with evergreen boughs as a symbol of everlasting life.

christmas-2Germany is credited with starting the Christmas tree tradition in the 16th century when devout Christians brought decorated trees into their homes. The Pennsylvania German settlements had community trees as early as 1747. But, as late as the 1840’s, Christmas trees were seen as pagan symbols and not accepted by most Americans.

It is not surprising that, like many other festive Christmas customs, the tree was adopted so late in America. To the New England Puritans, Christmas was sacred and any joyful expression that desecrated “that sacred event”  was a “penal offense”.

christmas-3In 1846, the popular royals, Queen Victoria and her German Prince, Albert, were sketched in the News standing with their children around a Christmas tree, and the Christmas tree was made popular!  By the 1890’s Christmas ornaments were arriving from Germany and Christmas tree popularity was on the rise. It was noted that Europeans used small trees about four feet in height, while North Americans liked their Christmas trees to reach from floor to ceiling.

Electricity brought about Christmas lights, making it possible for Christmas trees to glow for days on end. With this, Christmas trees began to appear in town squares across the country and having a Christmas tree in the home became a North American tradition!

Current Mortgage Rates

TERM                  RATE

5 Year Fixed        2.99%

5 Year VRM         2.40% Prime minus 0.60%

 

QUOTE OF THE WEEK

“Life is 10% what happens to me and 90% of how I react to it.” 

– Charles Swindoll

Mortgage Expertise at your doorstep 24/7

Paul Croteau, AMP Mortgage Specialist BMO Bank of Montreal
Phone: (905) 321-3230 Fax: (905) 641-7854 Paul.croteau@bmo.com

Current Mortgage Rates

TERM                  RATE

5 Year Fixed        2.99%

5 Year VRM         2.40% Prime minus 0.60%

 

QUOTE OF THE WEEK

“The mind is everything. What you think you become.” 

– Buddha

Mortgage Expertise at your doorstep 24/7

Paul Croteau, AMP Mortgage Specialist BMO Bank of Montreal
Phone: (905) 321-3230 Fax: (905) 641-7854 Paul.croteau@bmo.com