| Rate | Term | |
| 5-Year Fixed | 4.39% | |
| 5-Year VRM | 3.80% Prime plus 0.80% |
Quote of the Week
It’s not that I’m so smart, it’s just that I stay with problems longer.
Albert Einstein
Have a great week!

Paul Croteau
Mortgage Specialist
BMO Bank of Montreal
31 King Street
St. Catharines, ON
ph: (905) 321-3230
fx: (905) 641-7854
Paul.Croteau@bmo.com
Every February, across the country, candy, flowers, and gifts are exchanged between loved ones, all in the name of St. Valentine. But who is this mysterious saint and why do we celebrate this holiday? The history of Valentine’s Day — and its patron saint — is shrouded in mystery. But we do know that February has long been a month of romance. St. Valentine’s Day, as we know it today, contains vestiges of both Christian and ancient Roman tradition. So, who was Saint Valentine and how did he become associated with this ancient rite? Today, the Catholic Church recognizes at least three different saints named Valentine or Valentinus, all of whom were martyred.
