The following text may have been generated by Optical Character Recognition, with varying degrees of accuracy. Reader beware!

Jump in! lt's a golden market for first-time h John Cavan,~ Mortgage Agent 141:1 Ask your local If you're a lirst-t.ime homebuyer, you've found the perfect moment ta jump in to home ownership. Most Canadians face the same dilemma when they're gearing up to become a home owner. They're ail asking themselves the same kinds of questions: How much down- payment do I need to save Up? What do I need to know about getting the right mort- gage? Am I getting in over my head? Will I be able to get a low rate on my mortgage... and can I find a bouse I can love at a price I can live with? Good news. The mortgage planning experts at Mortgage Architects explain that today's first-time home- buyers have a golden opportumty right now. These planners have access ta low and even no-downpayment mort- gages - ta help first- timers get into their first home faster. Mortgage rates remain very low. And housing prices are down from their soaring values of the past few years. Its a buyers mar- ket; which makes this a golden opportunity for first-time homebuyers. The key ta buying your first home is ta knôw your options. That's why more and more Canadian first- timers are seeking out independent mort- gage brokers - instead ofjust making a tnp to the local bank. A recent study by the Canada Morigage and Housîng Corporation (CMHC) found that about 25% of ail mort- gages in Canada are now arranged through mortgage brokers. And among first-time buy- ers, that number jumps ta 44%. First-time huyers tend to seek out mort- gage planners because they are thinking bard about a big financial decision. This genera- tion of homebpyers is very savvy about seek- ~< ing out options. They tied feel like they're ta a particular bank. No one "owns" them, in their view. The fact is that inde- pendent mortgage planners - hke those at Mortgage Archiîects - have access to a huge range of tenders, and can give the homebuv- er insîght tnt>) ssh>t bas tue loss'esi rates or mebuyers! z who bas a special option or feature that 2 could be a perfect fit with the homebuyer's~ needs. Its partly about "shopping" rates, but n z its also about taking a more holistic view of> how a mortgage fits into the clients overall ~ financial picture. o If you're considering a home purchase - or wondering if you're ready ta jump in ta the markct - then your first stop should be 8. ta a mortgage planner. They can assess your~ situation to determine whether you're ready ~ to buy, and can pre-approve you before you 2 start shopping for a home. Whilc its important ta be prudent, many ~ first-time homebuyers are actually too Lau- tious about getting into the market. In fact, ~ mortgage planners ofttn shock those clients by showing them that they could have been building equity for the last few years - rather than paying someone elses mortgage with their rent money. Today first-time homebuyers have that perfect combination of Iow rates, sensible housing prices, and an excellent range of downpayment and other options. No ques- tion us the perfect lime 10 amp in John Cavan is an Approved Mort gage Pionner wuth Mortgage Att hiteets. Mort gage questions and tomeras tan be diteetcd iv John Cavan's oJJîte, lot ated w 14 Martin Si., Milton John can be reached by phone 905 878 7213 or by email john cavan@n~tgarc ca John Cavons ebsite s wwwstussfreemorîgage ta Coniati John ioday about your strtssfrce morigage opportunîties ~ RF/A4R~ ESTATE TRE Milton, ON direct 9053992217 tati free 18778226900 bus 905-822-6900 dennis belluz@royallepage ca Op feu Sut & Su24 Spectacular! Luxury finishes for the most discerning buyer. True gourmet kitcheti; double ovens, 13 foot granite stand. Master refreat wifh double-sided fireplace 6~ foot premium lot wîfh watk- ouf. Luxury at ifs tinesi. $659000 271 Forbes Terrace .6~www.dennIsb.fluz.com LJ CIiCk on Featured Properties o Each ai the foiiowing cryptograms s a ctue fa the idenftty 0f G famous couple n history. Using me hints S=R and i=E, decipher me ciues fa name ffie coupie. KEMI Ovsuwcuc OIGIVZYI Oh, how these Iwo înspîred each other in their work: j0GW u U G I ERI k. I , *QSEM VSWRXI