(2255,2,'2014-03-21 07:45:35','2014-03-21 07:45:35','Lorem ipsum dolor sit amet, consectetur adipisici elit, sed eiusmod tempor incidunt ut labore et dolore magna aliqua. Idque Caesaris facere voluntate liceret: sese habere. Magna pars studiorum, prodita quaerimus. Magna pars studiorum, prodita quaerimus. Fabio vel iudice vincam, sunt in culpa qui officia. Vivamus sagittis lacus vel augue laoreet rutrum faucibus.\n\nNihilne te nocturnum praesidium Palati, nihil urbis vigiliae. Non equidem invideo, miror magis posuere velit aliquet. Qui ipsorum lingua Celtae, nostra Galli appellantur. Prima luce, cum quibus mons aliud consensu ab eo. Petierunt uti sibi concilium totius Galliae in diem certam indicere.\n\n[gdlr_space height=\"30px\"]\n\n[gdlr_quote align=\"center\" ]Cum sociis natoque penatus etaed pnis dis parturient montes, scettr aieo ridus mus. Etiam portaem mleyo.[/gdlr_quote]\n\n[gdlr_space height=\"30px\"]\n\nLorem ipsum dolor sit amet, consectetur adipisici elit, sed eiusmod tempor incidunt ut labore et dolore magna aliqua. Idque Caesaris facere voluntate liceret: sese habere. Magna pars studiorum, prodita quaerimus. Magna pars studiorum, prodita quaerimus. Fabio vel iudice vincam, sunt in culpa qui officia. Vivamus sagittis lacus vel augue laoreet rutrum faucibus.\n\nNihilne te nocturnum praesidium Palati, nihil urbis vigiliae. Non equidem invideo, miror magis posuere velit aliquet. Qui ipsorum lingua Celtae, nostra Galli appellantur. Prima luce, cum quibus mons aliud consensu ab eo. Petierunt uti sibi concilium totius Galliae in diem certam indicere.\n\n[gdlr_space height=\"40px\"]\n<table class=\"style-2\">\n<tbody>\n<tr>\n<th>Pharetra</th>\n<th>Malesuada</th>\n<th>Cursus</th>\n<th>Euismod</th>\n</tr>\n<tr>\n<td>Ipsum</td>\n<td>Portalion</td>\n<td>Elitesimo</td>\n<td>Aenean</td>\n</tr>\n<tr>\n<td>Ipsum</td>\n<td>Portalion</td>\n<td>Elitesimo</td>\n<td>Aenean</td>\n</tr>\n<tr>\n<td>Ipsum</td>\n<td>Portalion</td>\n<td>Elitesimo</td>\n<td>Aenean</td>\n</tr>\n<tr>\n<td>Ipsum</td>\n<td>Portalion</td>\n<td>Elitesimo</td>\n<td>Aenean</td>\n</tr>\n<tr>\n<td>Ipsum</td>\n<td>Portalion</td>\n<td>Elitesimo</td>\n<td>Aenean</td>\n</tr>\n</tbody>\n</table>\n[gdlr_space height=\"40px\"]\n\nLorem ipsum dolor sit amet, consectetur adipisici elit, sed eiusmod tempor incidunt ut labore et dolore magna aliqua. Idque Caesaris facere voluntate liceret: sese habere. Magna pars studiorum, prodita quaerimus. Magna pars studiorum, prodita quaerimus. Fabio vel iudice vincam, sunt in culpa qui officia. Vivamus sagittis lacus vel augue laoreet rutrum faucibus.\n\nNihilne te nocturnum praesidium Palati, nihil urbis vigiliae. Non equidem invideo, miror magis posuere velit aliquet. Qui ipsorum lingua Celtae, nostra Galli appellantur. Prima luce, cum quibus mons aliud consensu ab eo. Petierunt uti sibi concilium totius Galliae in diem certam indicere.','Sem Porta Mollis Parturient','','draft','open','open','','sem-porta-mollis-parturient','','','2017-04-03 17:03:18','2017-04-03 17:03:18','',0,'http://themes.goodlayers2.com/mediso/corporate/?p=2255',0,'post','',0),(5087,1,'2017-11-20 22:27:24','2017-11-20 22:27:24','<h1><span style=\"color: #e66a1e;\">Durham Mortgage Broker Serving Ontario</span></h1>\r\n<div class=\"service-slideshow-content\">\r\n\r\n<span style=\"color: #808080;\">My name is Steve White and I’m a licensed mortgage agent with Mortgage Alliance – your Durham Mortgage Broker.</span>\r\n\r\n<span style=\"color: #808080;\">I help ensure everyday Canadians have the best possible mortgage, with the best possible rates and terms. I proudly do my best to keep more money in my client’s pockets and out of the bank’s coffers.</span>\r\n\r\n<span style=\"color: #808080;\">As a <strong>Durham Mortgage Broker</strong>, I work with over 60 mortgage lenders, including your own bank. We’re able to use our credibility and experience to get the best mortgage terms and rates to suit your needs and situation</span>\r\n\r\n<span style=\"color: #808080;\"> A good mortgage broker can help plan your mortgage around your long term goals, as well as short term life events – from helping pay for your child’s college/university, catching up on retirement savings to being mortgage free sooner.</span>\r\n<span style=\"color: #808080;\"> </span>\r\n<span style=\"color: #808080;\">Mortgage agents are there to help from before you even start to house shop, through packaging your financials, finding the right lender with the best rates/terms, overseeing the appraisal values and inspections, ensuring you’re not overbidding, checking in with your Realtor and lawyer and keeping all the financials running smoothly until you receive your keys.</span>\r\n\r\n</div>\r\n<span style=\"color: #808080;\">With interest rates at an all-time low, now is the ideal time to review your current mortgage and see if there’s a better deal out there. Even if you have several years left on your existing mortgage, I can help review your options to keep more money in your pocket.</span>\r\n\r\n<span style=\"color: #808080;\">Don’t sign your mortgage renewal without seeing what other options are out there. Most often there’s a better deal out there giving you better terms or lower rates. It’s worth an hour or two of your time to potentially save yourself and your family thousands of dollars a year.</span>\r\n\r\n<span style=\"color: #808080;\">Contact me to help find a solution to mounting debts before they damage your credit for years. I can help avoid power of sale, reduce your debt payments or find temporary funds to ease the pressure.</span>\r\n\r\n<span style=\"color: #808080;\">Before you head out shopping for your dream home, let me ensure you’re in the best possible financial position to make an offer.</span>\r\n\r\n<span style=\"color: #808080;\">Apply for a mortgage here - <a href=\"https://www.mortgageboss.ca/leadgeneration/add_lead.aspx?Agent_ID=11879\" target=\"_blank\" rel=\"noopener\">Mortgage Broker Application</a></span>','Durham Mortgage Broker Serving Ajax, Pickering, Whitby, Oshawa, Bowmanville','','inherit','closed','closed','','4547-autosave-v1','','','2017-11-20 22:27:24','2017-11-20 22:27:24','',4547,'https://www.stevewhitemortgages.ca/&#039;/2017/04/03/4547-autosave-v1/&#039;',0,'revision','',0),(5088,1,'2017-04-03 14:57:24','2017-04-03 14:57:24','','b2b','','inherit','open','closed','','b2b','','','2017-04-03 14:57:24','2017-04-03 14:57:24','',4547,'https://www.stevewhitemortgages.ca/wp-content/uploads/2015/07/b2b.jpg',0,'attachment','image/jpeg',0),(5089,1,'2017-04-03 14:58:35','2017-04-03 14:58:35','','cmls','','inherit','open','closed','','cmls','','','2017-04-03 14:58:35','2017-04-03 14:58:35','',4547,'https://www.stevewhitemortgages.ca/wp-content/uploads/2015/07/cmls.jpg',0,'attachment','image/jpeg',0),(5090,1,'2017-04-03 15:01:30','2017-04-03 15:01:30','','Financial consultation','Young couple meeting financial advisor for investment','inherit','open','closed','','financial-consultation','','','2017-06-11 05:50:36','2017-06-11 05:50:36','',4547,'https://www.stevewhitemortgages.ca/wp-content/uploads/2015/07/SteveWhiteMAC.jpg',0,'attachment','image/jpeg',0),(5355,1,'2017-05-12 17:41:34','2017-05-12 17:41:34','<div class=\"gdlr-shortcode-wrapper gdlr-row-shortcode\">\r\n\r\n<div class=\"six columns\">\r\n<div class=\"gdlr-item\">\r\n<label> Your Name (required)\r\n[text* name-approval] </label>\r\n<label> Your Email (required)\r\n[email* email-approval] </label>\r\n<label> Your Phone Number (required)\r\n[text* phone-approval] </label>\r\n</div>\r\n</div>\r\n\r\n<div class=\"six columns\">\r\n<div class=\"gdlr-item\">\r\n<label class=\"hide-label\"> Your Name (required)</label>\r\n[select* menu-346 \"I\'m interested In:\" \"- Purchasing a home\" \"- Refinancing my home\" \"- Renewing my mortgage\" \"- Purchasing an investment property\" \"- Consolidate debt\"]\r\n<label class=\"hide-label\"> Your Email (required)</label>\r\n[select* menu-452 \"Employment:\" \"- Full time permanent\" \"- Part time/contract\" \"- Self employed \" \"- Retired\"]\r\n<label class=\"hide-label\"> Your Phone Number (required)</label>\r\n[select menu-127 \"Credit Score:\" \"- Excellent (700+)\" \"- Good (640+)\" \"- Bruised (580+)\" \"- Other (Not sure)\"]\r\n</div>\r\n</div>\r\n\r\n\r\n<div class=\"twelve columns\" id=\"wpcf7-from\">[submit \"Send\"]</div>\r\n\r\n<div class=\"clear\"></div>\r\n\r\n</div>\n1\nOnline Inquiry - Quick Approval\n[name-approval] <approval@stevewhitemortgages.ca>\nswhite@mortgagealliance.com\nFrom: [name-approval] <[email-approval]>\r\nSubject: [Online Inquiry - Quick Approval]\r\n\r\nMessage Body:\r\nPhone Number: [phone-approval]\r\nI\'m interested In: [menu-346]\r\nEmployment: [menu-452]\r\nCredit Score: [menu-127]\r\n\r\n--\r\nThis e-mail was sent from your website\nReply-To: [email-approval]\n\n\n\n\n[your-subject]\nFinanza <wordpress@demo.goodlayers.com>\n[your-email]\nMessage Body:\r\n[your-message]\r\n\r\n--\r\nThis e-mail was sent from a contact form on Finanza (http://demo.goodlayers.com/finanza)\nReply-To: ss@ss.dd\n\n\n\nYour information was sent sussessfully, I\'ll be in touch very soon. - Steve\nFailed to send your message. Please try again or contact me directly - 905.903.4799\nValidation errors occurred. Please confirm the fields and submit it again.\nFailed to send your message. Please try later or contact the administrator by another method.\nPlease accept the terms to proceed.\nPlease fill in the required field.\nThis input is too long.\nThis input is too short.\nDate format seems invalid.\nThis date is too early.\nThis date is too late.\nFailed to upload file.\nThis file type is not allowed.\nThis file is too large.\nFailed to upload file. Error occurred.\nNumber format seems invalid.\nThis number is too small.\nThis number is too large.\nYour answer is not correct.\nYour entered code is incorrect.\nEmail address seems invalid.\nURL seems invalid.\nTelephone number seems invalid.','Quick Approval','','publish','closed','closed','','contact-form-1_copy','','','2017-05-15 14:43:20','2017-05-15 14:43:20','',0,'https://www.stevewhitemortgages.ca/?post_type=wpcf7_contact_form&#038;p=5355',0,'wpcf7_contact_form','',0),(5092,1,'2017-04-03 15:18:08','2017-04-03 15:18:08','','favicon','','inherit','open','closed','','favicon','','','2017-04-03 15:18:08','2017-04-03 15:18:08','',0,'https://www.stevewhitemortgages.ca/wp-content/uploads/2017/04/favicon.jpg',0,'attachment','image/jpeg',0),(5093,1,'2017-04-03 15:18:12','2017-04-03 15:18:12','https://www.stevewhitemortgages.ca/wp-content/uploads/2017/04/cropped-favicon.jpg','cropped-favicon.jpg','','inherit','open','closed','','cropped-favicon-jpg','','','2017-04-03 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14:46:55','',0,'https://www.stevewhitemortgages.ca/wp-content/uploads/2017/04/SteveWhiteLogo.jpg',0,'attachment','image/jpeg',0),(5097,1,'2017-04-03 15:30:09','2017-04-03 15:30:09','','SteveWhiteLogo','','inherit','open','closed','','stevewhitelogo-2','','','2017-06-08 14:46:42','2017-06-08 14:46:42','',0,'https://www.stevewhitemortgages.ca/wp-content/uploads/2017/04/SteveWhiteLogo.png',0,'attachment','image/png',0),(5098,1,'2017-04-03 15:50:32','2017-04-03 15:50:32','','SteveWhiteLogo2','','inherit','open','closed','','stevewhitelogo2','','','2017-06-08 14:45:28','2017-06-08 14:45:28','',0,'https://www.stevewhitemortgages.ca/wp-content/uploads/2017/04/SteveWhiteLogo2.jpg',0,'attachment','image/jpeg',0),(5099,1,'2017-04-03 16:23:26','2017-04-03 16:23:26','','Portrait of happy young family buying new house','Portrait of happy young family buying new house','inherit','open','closed','','portrait-of-happy-young-family-buying-new-house','','','2017-06-11 05:50:07','2017-06-11 05:50:07','',4547,'https://www.stevewhitemortgages.ca/wp-content/uploads/2015/07/firsttimebuyers.jpg',0,'attachment','image/jpeg',0),(5100,1,'2017-04-03 16:26:54','2017-04-03 16:26:54','','Portrait of happy young family buying new house','Portrait of happy young family buying new house','inherit','open','closed','','portrait-of-happy-young-family-buying-new-house-2','','','2017-06-11 05:50:02','2017-06-11 05:50:02','',4547,'https://www.stevewhitemortgages.ca/wp-content/uploads/2015/07/firsttimebuyerslight.jpg',0,'attachment','image/jpeg',0),(5101,1,'2017-04-03 16:34:36','2017-04-03 16:34:36','','Man meeting with financial advisor in living room','Man meeting with financial advisor in living room','inherit','open','closed','','man-meeting-with-financial-advisor-in-living-room','','','2017-06-11 05:49:35','2017-06-11 05:49:35','',4547,'https://www.stevewhitemortgages.ca/wp-content/uploads/2015/07/advice.jpg',0,'attachment','image/jpeg',0),(5102,1,'2017-04-03 16:34:59','2017-04-03 16:34:59','','Man meeting with financial advisor in living room','Man meeting with financial advisor in living room','inherit','open','closed','','man-meeting-with-financial-advisor-in-living-room-2','','','2017-06-11 05:49:26','2017-06-11 05:49:26','',4547,'https://www.stevewhitemortgages.ca/wp-content/uploads/2015/07/advicelight.jpg',0,'attachment','image/jpeg',0),(5103,1,'2017-04-03 16:38:19','2017-04-03 16:38:19','','Toronto Waterfront','A view of the Toronto Canada waterfront with some of the many condominiums that line  the waters edge.','inherit','open','closed','','toronto-waterfront','','','2017-06-11 05:49:08','2017-06-11 05:49:08','',4547,'https://www.stevewhitemortgages.ca/wp-content/uploads/2015/07/invest.jpg',0,'attachment','image/jpeg',0),(5104,1,'2017-04-03 16:38:36','2017-04-03 16:38:36','','Toronto Waterfront','A view of the Toronto Canada waterfront with some of the many condominiums that line  the waters edge.','inherit','open','closed','','toronto-waterfront-2','','','2017-04-03 16:38:36','2017-04-03 16:38:36','',4547,'https://www.stevewhitemortgages.ca/wp-content/uploads/2015/07/investlight.jpg',0,'attachment','image/jpeg',0),(5107,1,'2017-04-03 17:00:39','2017-04-03 17:00:39','Lorem ipsum dolor sit amet, consectetur adipisici elit, sed eiusmod tempor incidunt ut labore et dolore magna aliqua. Idque Caesaris facere voluntate liceret: sese habere. Magna pars studiorum, prodita quaerimus. Magna pars studiorum, prodita quaerimus. Fabio vel iudice vincam, sunt in culpa qui officia. Vivamus sagittis lacus vel augue laoreet rutrum faucibus.\r\n\r\nNihilne te nocturnum praesidium Palati, nihil urbis vigiliae. Non equidem invideo, miror magis posuere velit aliquet. Qui ipsorum lingua Celtae, nostra Galli appellantur. Prima luce, cum quibus mons aliud consensu ab eo. Petierunt uti sibi concilium totius Galliae in diem certam indicere.\r\n\r\n[gdlr_space height=\"30px\"]\r\n\r\n[gdlr_quote align=\"center\" ]Cum sociis natoque penatus etaed pnis dis parturient montes, scettr aieo ridus mus. Etiam portaem mleyo.[/gdlr_quote]\r\n\r\n[gdlr_space height=\"30px\"]\r\n\r\nLorem ipsum dolor sit amet, consectetur adipisici elit, sed eiusmod tempor incidunt ut labore et dolore magna aliqua. Idque Caesaris facere voluntate liceret: sese habere. Magna pars studiorum, prodita quaerimus. Magna pars studiorum, prodita quaerimus. Fabio vel iudice vincam, sunt in culpa qui officia. Vivamus sagittis lacus vel augue laoreet rutrum faucibus.\r\n\r\nNihilne te nocturnum praesidium Palati, nihil urbis vigiliae. Non equidem invideo, miror magis posuere velit aliquet. Qui ipsorum lingua Celtae, nostra Galli appellantur. Prima luce, cum quibus mons aliud consensu ab eo. Petierunt uti sibi concilium totius Galliae in diem certam indicere.\r\n\r\n[gdlr_space height=\"40px\"]\r\n<table class=\"style-2\">\r\n<tbody>\r\n<tr>\r\n<th>Pharetra</th>\r\n<th>Malesuada</th>\r\n<th>Cursus</th>\r\n<th>Euismod</th>\r\n</tr>\r\n<tr>\r\n<td>Ipsum</td>\r\n<td>Portalion</td>\r\n<td>Elitesimo</td>\r\n<td>Aenean</td>\r\n</tr>\r\n<tr>\r\n<td>Ipsum</td>\r\n<td>Portalion</td>\r\n<td>Elitesimo</td>\r\n<td>Aenean</td>\r\n</tr>\r\n<tr>\r\n<td>Ipsum</td>\r\n<td>Portalion</td>\r\n<td>Elitesimo</td>\r\n<td>Aenean</td>\r\n</tr>\r\n<tr>\r\n<td>Ipsum</td>\r\n<td>Portalion</td>\r\n<td>Elitesimo</td>\r\n<td>Aenean</td>\r\n</tr>\r\n<tr>\r\n<td>Ipsum</td>\r\n<td>Portalion</td>\r\n<td>Elitesimo</td>\r\n<td>Aenean</td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n[gdlr_space height=\"40px\"]\r\n\r\nLorem ipsum dolor sit amet, consectetur adipisici elit, sed eiusmod tempor incidunt ut labore et dolore magna aliqua. Idque Caesaris facere voluntate liceret: sese habere. Magna pars studiorum, prodita quaerimus. Magna pars studiorum, prodita quaerimus. Fabio vel iudice vincam, sunt in culpa qui officia. Vivamus sagittis lacus vel augue laoreet rutrum faucibus.\r\n\r\nNihilne te nocturnum praesidium Palati, nihil urbis vigiliae. Non equidem invideo, miror magis posuere velit aliquet. Qui ipsorum lingua Celtae, nostra Galli appellantur. Prima luce, cum quibus mons aliud consensu ab eo. Petierunt uti sibi concilium totius Galliae in diem certam indicere.','Nibh Sem Sit Ullamcorper','','inherit','closed','closed','','2249-autosave-v1','','','2017-04-03 17:00:39','2017-04-03 17:00:39','',2249,'https://www.stevewhitemortgages.ca/\'/2017/04/03/2249-autosave-v1/\'',0,'revision','',0),(5108,1,'2017-04-03 17:03:18','2017-04-03 17:03:18','Lorem ipsum dolor sit amet, consectetur adipisici elit, sed eiusmod tempor incidunt ut labore et dolore magna aliqua. Idque Caesaris facere voluntate liceret: sese habere. Magna pars studiorum, prodita quaerimus. Magna pars studiorum, prodita quaerimus. Fabio vel iudice vincam, sunt in culpa qui officia. Vivamus sagittis lacus vel augue laoreet rutrum faucibus.\n\nNihilne te nocturnum praesidium Palati, nihil urbis vigiliae. Non equidem invideo, miror magis posuere velit aliquet. Qui ipsorum lingua Celtae, nostra Galli appellantur. Prima luce, cum quibus mons aliud consensu ab eo. Petierunt uti sibi concilium totius Galliae in diem certam indicere.\n\n[gdlr_space height=\"30px\"]\n\n[gdlr_quote align=\"center\" ]Cum sociis natoque penatus etaed pnis dis parturient montes, scettr aieo ridus mus. Etiam portaem mleyo.[/gdlr_quote]\n\n[gdlr_space height=\"30px\"]\n\nLorem ipsum dolor sit amet, consectetur adipisici elit, sed eiusmod tempor incidunt ut labore et dolore magna aliqua. Idque Caesaris facere voluntate liceret: sese habere. Magna pars studiorum, prodita quaerimus. Magna pars studiorum, prodita quaerimus. Fabio vel iudice vincam, sunt in culpa qui officia. Vivamus sagittis lacus vel augue laoreet rutrum faucibus.\n\nNihilne te nocturnum praesidium Palati, nihil urbis vigiliae. Non equidem invideo, miror magis posuere velit aliquet. Qui ipsorum lingua Celtae, nostra Galli appellantur. Prima luce, cum quibus mons aliud consensu ab eo. Petierunt uti sibi concilium totius Galliae in diem certam indicere.\n\n[gdlr_space height=\"40px\"]\n<table class=\"style-2\">\n<tbody>\n<tr>\n<th>Pharetra</th>\n<th>Malesuada</th>\n<th>Cursus</th>\n<th>Euismod</th>\n</tr>\n<tr>\n<td>Ipsum</td>\n<td>Portalion</td>\n<td>Elitesimo</td>\n<td>Aenean</td>\n</tr>\n<tr>\n<td>Ipsum</td>\n<td>Portalion</td>\n<td>Elitesimo</td>\n<td>Aenean</td>\n</tr>\n<tr>\n<td>Ipsum</td>\n<td>Portalion</td>\n<td>Elitesimo</td>\n<td>Aenean</td>\n</tr>\n<tr>\n<td>Ipsum</td>\n<td>Portalion</td>\n<td>Elitesimo</td>\n<td>Aenean</td>\n</tr>\n<tr>\n<td>Ipsum</td>\n<td>Portalion</td>\n<td>Elitesimo</td>\n<td>Aenean</td>\n</tr>\n</tbody>\n</table>\n[gdlr_space height=\"40px\"]\n\nLorem ipsum dolor sit amet, consectetur adipisici elit, sed eiusmod tempor incidunt ut labore et dolore magna aliqua. Idque Caesaris facere voluntate liceret: sese habere. Magna pars studiorum, prodita quaerimus. Magna pars studiorum, prodita quaerimus. Fabio vel iudice vincam, sunt in culpa qui officia. Vivamus sagittis lacus vel augue laoreet rutrum faucibus.\n\nNihilne te nocturnum praesidium Palati, nihil urbis vigiliae. Non equidem invideo, miror magis posuere velit aliquet. Qui ipsorum lingua Celtae, nostra Galli appellantur. Prima luce, cum quibus mons aliud consensu ab eo. Petierunt uti sibi concilium totius Galliae in diem certam indicere.','Sem Porta Mollis Parturient','','inherit','closed','closed','','2255-revision-v1','','','2017-04-03 17:03:18','2017-04-03 17:03:18','',2255,'https://www.stevewhitemortgages.ca/\'/2017/04/03/2255-revision-v1/\'',0,'revision','',0),(5109,1,'2017-04-03 17:03:28','2017-04-03 17:03:28','Lorem ipsum dolor sit amet, consectetur adipisici elit, sed eiusmod tempor incidunt ut labore et dolore magna aliqua. Idque Caesaris facere voluntate liceret: sese habere. Magna pars studiorum, prodita quaerimus. Magna pars studiorum, prodita quaerimus. Fabio vel iudice vincam, sunt in culpa qui officia. Vivamus sagittis lacus vel augue laoreet rutrum faucibus.\n\nNihilne te nocturnum praesidium Palati, nihil urbis vigiliae. Non equidem invideo, miror magis posuere velit aliquet. Qui ipsorum lingua Celtae, nostra Galli appellantur. Prima luce, cum quibus mons aliud consensu ab eo. Petierunt uti sibi concilium totius Galliae in diem certam indicere.\n\n[gdlr_space height=\"30px\"]\n\n[gdlr_quote align=\"center\" ]Cum sociis natoque penatus etaed pnis dis parturient montes, scettr aieo ridus mus. Etiam portaem mleyo.[/gdlr_quote]\n\n[gdlr_space height=\"30px\"]\n\nLorem ipsum dolor sit amet, consectetur adipisici elit, sed eiusmod tempor incidunt ut labore et dolore magna aliqua. Idque Caesaris facere voluntate liceret: sese habere. Magna pars studiorum, prodita quaerimus. Magna pars studiorum, prodita quaerimus. Fabio vel iudice vincam, sunt in culpa qui officia. Vivamus sagittis lacus vel augue laoreet rutrum faucibus.\n\nNihilne te nocturnum praesidium Palati, nihil urbis vigiliae. Non equidem invideo, miror magis posuere velit aliquet. Qui ipsorum lingua Celtae, nostra Galli appellantur. Prima luce, cum quibus mons aliud consensu ab eo. Petierunt uti sibi concilium totius Galliae in diem certam indicere.\n\n[gdlr_space height=\"40px\"]\n<table class=\"style-2\">\n<tbody>\n<tr>\n<th>Pharetra</th>\n<th>Malesuada</th>\n<th>Cursus</th>\n<th>Euismod</th>\n</tr>\n<tr>\n<td>Ipsum</td>\n<td>Portalion</td>\n<td>Elitesimo</td>\n<td>Aenean</td>\n</tr>\n<tr>\n<td>Ipsum</td>\n<td>Portalion</td>\n<td>Elitesimo</td>\n<td>Aenean</td>\n</tr>\n<tr>\n<td>Ipsum</td>\n<td>Portalion</td>\n<td>Elitesimo</td>\n<td>Aenean</td>\n</tr>\n<tr>\n<td>Ipsum</td>\n<td>Portalion</td>\n<td>Elitesimo</td>\n<td>Aenean</td>\n</tr>\n<tr>\n<td>Ipsum</td>\n<td>Portalion</td>\n<td>Elitesimo</td>\n<td>Aenean</td>\n</tr>\n</tbody>\n</table>\n[gdlr_space height=\"40px\"]\n\nLorem ipsum dolor sit amet, consectetur adipisici elit, sed eiusmod tempor incidunt ut labore et dolore magna aliqua. Idque Caesaris facere voluntate liceret: sese habere. Magna pars studiorum, prodita quaerimus. Magna pars studiorum, prodita quaerimus. Fabio vel iudice vincam, sunt in culpa qui officia. Vivamus sagittis lacus vel augue laoreet rutrum faucibus.\n\nNihilne te nocturnum praesidium Palati, nihil urbis vigiliae. Non equidem invideo, miror magis posuere velit aliquet. Qui ipsorum lingua Celtae, nostra Galli appellantur. Prima luce, cum quibus mons aliud consensu ab eo. Petierunt uti sibi concilium totius Galliae in diem certam indicere.','Nullam Lorem Mattis Purus','','inherit','closed','closed','','2254-revision-v1','','','2017-04-03 17:03:28','2017-04-03 17:03:28','',2254,'https://www.stevewhitemortgages.ca/\'/2017/04/03/2254-revision-v1/\'',0,'revision','',0),(5110,1,'2017-04-03 17:04:12','2017-04-03 17:04:12','Lorem ipsum dolor sit amet, consectetur adipisici elit, sed eiusmod tempor incidunt ut labore et dolore magna aliqua. Idque Caesaris facere voluntate liceret: sese habere. Magna pars studiorum, prodita quaerimus. Magna pars studiorum, prodita quaerimus. Fabio vel iudice vincam, sunt in culpa qui officia. Vivamus sagittis lacus vel augue laoreet rutrum faucibus.\n\nNihilne te nocturnum praesidium Palati, nihil urbis vigiliae. Non equidem invideo, miror magis posuere velit aliquet. Qui ipsorum lingua Celtae, nostra Galli appellantur. Prima luce, cum quibus mons aliud consensu ab eo. Petierunt uti sibi concilium totius Galliae in diem certam indicere.\n\n[gdlr_space height=\"30px\"]\n\n[gdlr_quote align=\"center\" ]Cum sociis natoque penatus etaed pnis dis parturient montes, scettr aieo ridus mus. Etiam portaem mleyo.[/gdlr_quote]\n\n[gdlr_space height=\"30px\"]\n\nLorem ipsum dolor sit amet, consectetur adipisici elit, sed eiusmod tempor incidunt ut labore et dolore magna aliqua. Idque Caesaris facere voluntate liceret: sese habere. Magna pars studiorum, prodita quaerimus. Magna pars studiorum, prodita quaerimus. Fabio vel iudice vincam, sunt in culpa qui officia. Vivamus sagittis lacus vel augue laoreet rutrum faucibus.\n\nNihilne te nocturnum praesidium Palati, nihil urbis vigiliae. Non equidem invideo, miror magis posuere velit aliquet. Qui ipsorum lingua Celtae, nostra Galli appellantur. Prima luce, cum quibus mons aliud consensu ab eo. Petierunt uti sibi concilium totius Galliae in diem certam indicere.\n\n[gdlr_space height=\"40px\"]\n<table class=\"style-2\">\n<tbody>\n<tr>\n<th>Pharetra</th>\n<th>Malesuada</th>\n<th>Cursus</th>\n<th>Euismod</th>\n</tr>\n<tr>\n<td>Ipsum</td>\n<td>Portalion</td>\n<td>Elitesimo</td>\n<td>Aenean</td>\n</tr>\n<tr>\n<td>Ipsum</td>\n<td>Portalion</td>\n<td>Elitesimo</td>\n<td>Aenean</td>\n</tr>\n<tr>\n<td>Ipsum</td>\n<td>Portalion</td>\n<td>Elitesimo</td>\n<td>Aenean</td>\n</tr>\n<tr>\n<td>Ipsum</td>\n<td>Portalion</td>\n<td>Elitesimo</td>\n<td>Aenean</td>\n</tr>\n<tr>\n<td>Ipsum</td>\n<td>Portalion</td>\n<td>Elitesimo</td>\n<td>Aenean</td>\n</tr>\n</tbody>\n</table>\n[gdlr_space height=\"40px\"]\n\nLorem ipsum dolor sit amet, consectetur adipisici elit, sed eiusmod tempor incidunt ut labore et dolore magna aliqua. Idque Caesaris facere voluntate liceret: sese habere. Magna pars studiorum, prodita quaerimus. Magna pars studiorum, prodita quaerimus. Fabio vel iudice vincam, sunt in culpa qui officia. Vivamus sagittis lacus vel augue laoreet rutrum faucibus.\n\nNihilne te nocturnum praesidium Palati, nihil urbis vigiliae. Non equidem invideo, miror magis posuere velit aliquet. Qui ipsorum lingua Celtae, nostra Galli appellantur. Prima luce, cum quibus mons aliud consensu ab eo. Petierunt uti sibi concilium totius Galliae in diem certam indicere.','Nibh Sem Sit Ullamcorper','','inherit','closed','closed','','2249-revision-v1','','','2017-04-03 17:04:12','2017-04-03 17:04:12','',2249,'https://www.stevewhitemortgages.ca/\'/2017/04/03/2249-revision-v1/\'',0,'revision','',0),(5111,1,'2017-04-03 17:04:22','2017-04-03 17:04:22','<p>Lorem ipsum dolor sit amet, consectetur adipisici elit, sed eiusmod tempor incidunt ut labore et dolore magna aliqua. Idque Caesaris facere voluntate liceret: sese habere. Magna pars studiorum, prodita quaerimus. Magna pars studiorum, prodita quaerimus. Fabio vel iudice vincam, sunt in culpa qui officia. Vivamus sagittis lacus vel augue laoreet rutrum faucibus.</p><p>Nihilne te nocturnum praesidium Palati, nihil urbis vigiliae. Non equidem invideo, miror magis posuere velit aliquet. Qui ipsorum lingua Celtae, nostra Galli appellantur. Prima luce, cum quibus mons aliud consensu ab eo. Petierunt uti sibi concilium totius Galliae in diem certam indicere.</p><p>[gdlr_space height=\"30px\"]</p><p>[gdlr_quote align=\"center\" ]Cum sociis natoque penatus etaed pnis dis parturient montes, scettr aieo ridus mus. Etiam portaem mleyo.[/gdlr_quote]</p><p>[gdlr_space height=\"30px\"]</p><p>Lorem ipsum dolor sit amet, consectetur adipisici elit, sed eiusmod tempor incidunt ut labore et dolore magna aliqua. Idque Caesaris facere voluntate liceret: sese habere. Magna pars studiorum, prodita quaerimus. Magna pars studiorum, prodita quaerimus. Fabio vel iudice vincam, sunt in culpa qui officia. Vivamus sagittis lacus vel augue laoreet rutrum faucibus.</p><p>Nihilne te nocturnum praesidium Palati, nihil urbis vigiliae. Non equidem invideo, miror magis posuere velit aliquet. Qui ipsorum lingua Celtae, nostra Galli appellantur. Prima luce, cum quibus mons aliud consensu ab eo. Petierunt uti sibi concilium totius Galliae in diem certam indicere.</p><p>[gdlr_space height=\"40px\"]</p><table class=\"style-2\"><tbody><tr><th>Pharetra</th><th>Malesuada</th><th>Cursus</th><th>Euismod</th></tr><tr><td>Ipsum</td><td>Portalion</td><td>Elitesimo</td><td>Aenean</td></tr><tr><td>Ipsum</td><td>Portalion</td><td>Elitesimo</td><td>Aenean</td></tr><tr><td>Ipsum</td><td>Portalion</td><td>Elitesimo</td><td>Aenean</td></tr><tr><td>Ipsum</td><td>Portalion</td><td>Elitesimo</td><td>Aenean</td></tr><tr><td>Ipsum</td><td>Portalion</td><td>Elitesimo</td><td>Aenean</td></tr></tbody></table><p>[gdlr_space height=\"40px\"]</p><p>Lorem ipsum dolor sit amet, consectetur adipisici elit, sed eiusmod tempor incidunt ut labore et dolore magna aliqua. Idque Caesaris facere voluntate liceret: sese habere. Magna pars studiorum, prodita quaerimus. Magna pars studiorum, prodita quaerimus. Fabio vel iudice vincam, sunt in culpa qui officia. Vivamus sagittis lacus vel augue laoreet rutrum faucibus.</p><p>Nihilne te nocturnum praesidium Palati, nihil urbis vigiliae. Non equidem invideo, miror magis posuere velit aliquet. Qui ipsorum lingua Celtae, nostra Galli appellantur. Prima luce, cum quibus mons aliud consensu ab eo. Petierunt uti sibi concilium totius Galliae in diem certam indicere.</p>','Donec luctus imperdiet','','inherit','closed','closed','','852-revision-v1','','','2017-04-03 17:04:22','2017-04-03 17:04:22','',852,'https://www.stevewhitemortgages.ca/\'/2017/04/03/852-revision-v1/\'',0,'revision','',0),(5122,1,'2017-04-03 17:13:16','2017-04-03 17:13:16','','Home','','publish','closed','closed','','home-2','','','2018-01-17 20:02:42','2018-01-17 20:02:42','',0,'https://www.stevewhitemortgages.ca/?p=5122',1,'nav_menu_item','',0),(5123,1,'2017-04-03 17:13:16','2017-04-03 17:13:16','','Contact Me','','publish','closed','closed','','contact-me-2','','','2018-01-17 20:02:42','2018-01-17 20:02:42','',0,'https://www.stevewhitemortgages.ca/?p=5123',4,'nav_menu_item','',0),(5124,1,'2017-04-03 17:26:40','2017-04-03 17:26:40','','cmhc','','inherit','open','closed','','cmhc','','','2017-04-03 17:26:40','2017-04-03 17:26:40','',4547,'https://www.stevewhitemortgages.ca/wp-content/uploads/2015/07/cmhc.jpg',0,'attachment','image/jpeg',0),(5125,1,'2017-04-03 17:26:42','2017-04-03 17:26:42','','caamp','','inherit','open','closed','','caamp','','','2017-04-03 17:26:42','2017-04-03 17:26:42','',4547,'https://www.stevewhitemortgages.ca/wp-content/uploads/2015/07/caamp.jpg',0,'attachment','image/jpeg',0),(5126,1,'2017-04-03 17:26:43','2017-04-03 17:26:43','','MPC','','inherit','open','closed','','mpc','','','2017-04-03 17:26:43','2017-04-03 17:26:43','',4547,'https://www.stevewhitemortgages.ca/wp-content/uploads/2015/07/MPC.jpg',0,'attachment','image/jpeg',0),(5127,1,'2017-04-03 17:26:44','2017-04-03 17:26:44','','cmba','','inherit','open','closed','','cmba','','','2017-04-03 17:26:44','2017-04-03 17:26:44','',4547,'https://www.stevewhitemortgages.ca/wp-content/uploads/2015/07/cmba.jpg',0,'attachment','image/jpeg',0),(5128,1,'2017-04-03 17:26:45','2017-04-03 17:26:45','','FSCO','','inherit','open','closed','','fsco','','','2017-04-03 17:26:45','2017-04-03 17:26:45','',4547,'https://www.stevewhitemortgages.ca/wp-content/uploads/2015/07/FSCO.jpg',0,'attachment','image/jpeg',0),(5499,1,'2017-11-20 22:10:55','2017-11-20 22:10:55','','Cupped hands','Cupped hands of a man hopefully held up. Cupped hands asking for something.','inherit','closed','closed','','cupped-hands-5','','','2017-11-20 22:10:55','2017-11-20 22:10:55','',4547,'https://www.stevewhitemortgages.ca/wp-content/uploads/2017/11/front5.jpg',0,'attachment','image/jpeg',0),(5502,1,'2017-11-20 22:24:02','2017-11-20 22:24:02','','front6 copy','','inherit','closed','closed','','front6-copy','','','2017-11-20 22:24:02','2017-11-20 22:24:02','',4547,'https://www.stevewhitemortgages.ca/wp-content/uploads/2017/11/front6-copy.jpg',0,'attachment','image/jpeg',0),(5131,1,'2017-04-03 17:43:07','2017-04-03 17:43:07','','Bank interior set with visitors and workers.','Bank interior set with visitors and workers. 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05:48:14','',4547,'https://www.stevewhitemortgages.ca/wp-content/uploads/2015/07/negotiate.jpg',0,'attachment','image/jpeg',0),(5361,1,'2017-05-12 18:21:51','2017-05-12 18:21:51','','homepage','','inherit','closed','closed','','4547-revision-v1','','','2017-05-12 18:21:51','2017-05-12 18:21:51','',4547,'https://www.stevewhitemortgages.ca/2017/05/4547-revision-v1/',0,'revision','',0),(5136,1,'2017-04-03 17:55:34','2017-04-03 17:55:34','','legwork','','inherit','open','closed','','legwork','','','2017-06-11 05:48:00','2017-06-11 05:48:00','',4547,'https://www.stevewhitemortgages.ca/wp-content/uploads/2015/07/legwork.jpg',0,'attachment','image/jpeg',0),(5137,1,'2017-04-03 17:55:53','2017-04-03 17:55:53','','govnt','','inherit','open','closed','','govnt','','','2017-06-11 05:47:48','2017-06-11 05:47:48','',4547,'https://www.stevewhitemortgages.ca/wp-content/uploads/2015/07/govnt.jpg',0,'attachment','image/jpeg',0),(5138,1,'2017-04-03 18:03:01','2017-04-03 18:03:01','','free','','inherit','open','closed','','free','','','2017-06-11 05:47:37','2017-06-11 05:47:37','',4547,'https://www.stevewhitemortgages.ca/wp-content/uploads/2015/07/free.jpg',0,'attachment','image/jpeg',0),(5362,1,'2017-05-12 18:27:42','2017-05-12 18:27:42','','homepage','','inherit','closed','closed','','4547-revision-v1','','','2017-05-12 18:27:42','2017-05-12 18:27:42','',4547,'https://www.stevewhitemortgages.ca/2017/05/4547-revision-v1/',0,'revision','',0),(5140,1,'2017-04-03 19:41:06','2017-04-03 19:41:06','','Suburban homes','Suburban residential street with red brick houses','inherit','open','closed','','suburban-homes','','','2017-06-11 05:47:02','2017-06-11 05:47:02','',4547,'https://www.stevewhitemortgages.ca/wp-content/uploads/2015/07/cover.jpg',0,'attachment','image/jpeg',0),(5141,1,'2017-04-03 19:52:04','2017-04-03 19:52:04','','Family At Home Eating Breakfast In Kitchen Together','Family At Home Eating Breakfast In Kitchen 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20:02:28','',4547,'https://www.stevewhitemortgages.ca/wp-content/uploads/2015/07/front4blight.jpg',0,'attachment','image/jpeg',0),(5363,1,'2017-05-12 18:30:27','2017-05-12 18:30:27','','homepage','','inherit','closed','closed','','4547-revision-v1','','','2017-05-12 18:30:27','2017-05-12 18:30:27','',4547,'https://www.stevewhitemortgages.ca/2017/05/4547-revision-v1/',0,'revision','',0),(5147,1,'2017-04-03 23:40:43','2017-04-03 23:40:43','<p class=\"p1\"><span class=\"s1\">Steve White Mortgages Privacy Policy</span></p>\r\n<p class=\"p1\"><span class=\"s1\">This Privacy Policy governs the manner in which Steve White Mortgages collects, uses, maintains and discloses information collected from users (each, a “User”) of the Steve White Mortgages website (“Site.”) By viewing, accessing, using or browsing the Website, or by registering as a member of the Service (as defined herein), you agree to this privacy policy and the Terms of Service of said web property as a binding legal agreement between you and Steve White Mortgages, without limitation or qualification.</span></p>\r\n<p class=\"p1\"><span class=\"s1\">Personal identification information</span></p>\r\n<p class=\"p1\"><span class=\"s1\">Steve White Mortgages keeps track of non-personally identifiable information such as the IP address of the User’s computer, time of access, browser type and files downloaded to gather usage statistics for its web site. IP addresses are not associated with other information about a user, but only indicate general visitor navigation patterns. Steve White Mortgages website has embedded tags that allow some third party entities such as Quantcast, Google Analytics, and/or similar services to collect non-personally identifiable usage statistics.</span></p>\r\n<p class=\"p1\"><span class=\"s1\">Submission and Processing of Information</span></p>\r\n<p class=\"p1\"><span class=\"s1\">When you subscribe or sign up to the Website, Steve White Mortgages may ask you for certain personally identifiable information. This personally identifiable information may include information that can be used to identify or contact you, such as your name and email address. You must agree to the Terms of Service of this website before making any comments or leaving any reviews on any posting.</span></p>\r\n<p class=\"p1\"><span class=\"s1\">User Postings</span></p>\r\n<p class=\"p1\"><span class=\"s1\">Except as otherwise expressly described in this Privacy Policy, this policy only addresses the use and disclosure of Personal Information and other information we collect from you. In the course of your use of the Website, including when you create a profile on the Website, you may elect to post or otherwise disclose information about yourself and others, which may include Personal Information or other personally identifiable information. You may also elect to communicate with others or upload content such as photographs. Such postings are governed by our Terms of Service. Whenever you voluntarily disclose personal information on publicly-viewable web pages, that information will be publicly available and can be collected or used by others. Such postings may also appear on other websites or when searches are executed on the subject of your posting.</span></p>\r\n<p class=\"p1\"><span class=\"s1\">Furthermore, although Steve White Mortgages restricts access to portions of the Website to members of the Service, since the Service is offered through and accessible through a number of other websites in addition to the Website, any information that you post to the Website for access by members of the Website may be searchable and available to users of the Service who access it via different websites from the Website. You may also receive unsolicited messages from other parties as a result of such disclosure. Such activities are beyond the control of Steve White Mortgages and this Privacy Policy. You should therefore exercise discretion and extreme caution when disclosing any Personal Information or other information when using the Website or the Service.</span></p>\r\n<p class=\"p1\"><span class=\"s1\">Third Party Websites</span></p>\r\n<p class=\"p1\"><span class=\"s1\">The Website may contain links to other websites. Steve White Mortgages is not responsible for the privacy practices of such websites. It is the User’s responsibility to review the privacy policies at those websites to confirm that they are acceptable prior to use. A link does not constitute an endorsement of the content, viewpoint or accuracy of such websites.</span></p>\r\n<p class=\"p1\"><span class=\"s1\">Marketing Communications</span></p>\r\n<p class=\"p1\"><span class=\"s1\">If you have used the Website before, it is possible that Steve White Mortgages has data about you already and it is being used to contact you about offers, events, items or related activities. If you are an existing customer, Steve White Mortgages will continue to keep you informed unless you revoke your consent via the procedures set forth below.</span></p>\r\n<p class=\"p1\"><span class=\"s1\">If you are a new user, Steve White Mortgages will give you the choice (for example, once you have subscribed or signed up) whether or not you want to receive emails regarding future offers, events and new services or related activities. Steve White Mortgages will not bombard you with emails, but Steve White Mortgages, with your consent, would like to keep you informed of any developments on the Website.</span></p>\r\n<p class=\"p1\"><span class=\"s1\">If you have consented to receive such information, you may always revoke that consent at any time by deleting your account.</span></p>\r\n<p class=\"p1\"><span class=\"s1\">Confidentiality and Security of Personal Information</span></p>\r\n<p class=\"p1\"><span class=\"s1\">Transmission of data and information via the Website is not a secure or encrypted transmission method for sending your Personal Information, unless otherwise indicated on the Website. Accordingly, your attention is drawn to the fact that any information and personal data carried over the Internet is not secure. Personal Information may be intercepted, lost, redirected, corrupted, changed and accessed by other people.</span></p>\r\n<p class=\"p1\"><span class=\"s1\">Nevertheless, Steve White Mortgages is committed to using all reasonable efforts to protect Personal Information collected through the Website against unauthorized access, use or disclosure. Consequently, we limit employees’ access to Personal Information collected through the Website to only those employees who need access to the information in the performance of their official duties.</span></p>\r\n<p class=\"p1\"><span class=\"s1\">In addition, we set strict security standards to prevent any unauthorized access to your Personal Information once we have received it and wherever possible we will use adequate security software and working procedures to ensure the security of your personal data. To prevent unauthorized access, maintain accuracy, and ensure proper use of Personal Information, we have employed physical, electronic, and managerial processes to safeguard and secure the Personal Information we collect online. These measures include limiting the number of people who have physical access to Steve White Mortgages database servers, as well as electronic security systems and password protections which guard against unauthorized access.</span></p>\r\n<p class=\"p1\"><span class=\"s1\">Data in our Logs. When you use Steve White Mortgages or go to a webpage or use an app that has Steve White Mortgages features (like our “Share It” button), our system automatically records that information (“data in our logs”) including information that your internet browser sends whenever you search a website or your mobile application sends when you’re using it going to and from different applications. The data in our logs may also include your IP address, the address of the most recent web pages you’ve visited that had Steve White Mortgages features, browser type and settings, the date and time of your request, how you used Steve White Mortgages, and cookie data.</span></p>\r\n<p class=\"p1\"><span class=\"s1\">Disclosure of Personal Information</span></p>\r\n<p class=\"p1\"><span class=\"s1\">We may disclose your Personal Information to any member of our group, which means our subsidiaries and our ultimate holding company and its subsidiaries. We may disclose your Personal Information to third parties if you have consented to such disclosure. In addition, we may disclose or provide access to your Personal Information to third parties without your consent:</span></p>\r\n<p class=\"p1\"><span class=\"s1\">if we sell or buy any business or assets, in which case we may disclose your Personal Information to the prospective seller or buyer of such business or assets;</span></p>\r\n<p class=\"p1\"><span class=\"s1\">if Steve White Mortgages or substantially all of its assets are acquired by a third party, in which case Personal Information held by it about its customers will, in most instances, be one of the transferred assets;</span></p>\r\n<p class=\"p1\"><span class=\"s1\">if we ask a third party to carry out data analysis, cleansing and/or market research on our behalf;</span></p>\r\n<p class=\"p1\"><span class=\"s1\">for the purpose of validating the identity of the user and/or conducting background checks; or</span></p>\r\n<p class=\"p1\"><span class=\"s1\">if we have a good faith belief that we are under a duty to disclose or share your personal data in order to comply with any legal obligation (such as in connection with a law enforcement request, judicial proceeding, court order or legal process), or in order to enforce or apply our policy or to protect the rights, property, or safety of Steve White Mortgages, our customers, or others. This includes exchanging information with other companies and organizations for the purposes of fraud protection and credit risk reduction.</span></p>\r\n<p class=\"p1\"><span class=\"s1\">Children’s Online Privacy</span></p>\r\n<p class=\"p1\"><span class=\"s1\">It is important to Steve White Mortgages that parents and guardians have control over what information is collected from their children online and how such information is or may be used. The Children’s Online Privacy Protection Act of 1998 (“COPPA”) imposes restrictions on commercial websites, including ours. It is our policy to be compliant with the requirements of COPPA and not to solicit or collect information about or from children age 13 and under.</span></p>\r\n<p class=\"p1\"><span class=\"s1\">Beyond the requirements of COPPA, we require that individuals be age 18 or over to register as a member of the Service and thus it is our policy not to solicit or collect information about or from anyone under the age of 18. Users are cautioned, however, that absent a clear indication an online communication has been submitted by a person under age 18, the collection of Personal Information submitted to the Website will be treated as though it was submitted by an adult, and may, unless exempted from access by federal or state law, be subject to public access.</span></p>\r\n<p class=\"p1\"><span class=\"s1\">In the event that Steve White Mortgages receives an online communication clearly indicating that it has been submitted by a person under the age of 18, under no circumstances will any Personal Information be published on the Website, be used for a purpose not intended by its sender or shared with third parties.</span></p>\r\n<p class=\"p1\"><span class=\"s1\">Changes to this Privacy Policy and Transfers of Ownership</span></p>\r\n<p class=\"p1\"><span class=\"s1\">You agree that if we transfer ownership or management of the Website or Steve White Mortgages to a third party we may also transfer your Personal Information and any other data or information you have provided to us to such third party, provided such third party agrees to observe this Privacy Policy. Steve White Mortgages may change this Privacy Policy from time to time to accurately reflect how we gather and manage User information.</span></p>\r\n<p class=\"p1\"><span class=\"s1\">We will post any changes to this Privacy Policy on the Website and, where appropriate and practicable, notify you by e-mail. All changes to the Privacy Policy will be effective upon posting to the Website. Please be sure to regularly check our Privacy Policy before using the Website. Continued use of the Website shall indicate your acceptance of any changes to this Privacy Policy.</span></p>\r\n<p class=\"p1\"><span class=\"s1\">Disclaimer</span></p>\r\n<p class=\"p1\"><span class=\"s1\">The information provided in this Privacy Policy should not be construed as giving business, legal or other advice, or warranting as fail proof the integrity and security of information provided through this Website. While all reasonable attempts are made to provide accurate, current and reliable information, Steve White Mortgages recognizes the possibility of human and/or mechanical error and the possibility that Users of the Site and other third parties may provide and/or publish information, graphics and images on the Site that are false, misleading, or inaccurate.</span></p>\r\n<p class=\"p1\"><span class=\"s1\">Therefore, Steve White Mortgages makes no representations as to the accuracy, completeness, currency or suitability of the information provided on this Website, and denies any expressed or implied warranty as to the same. For further disclaimers and limitations of liability of Steve White Mortgages regarding your use of the Website and Service, see its Terms of Service.</span></p>\r\n<p class=\"p1\"><span class=\"s1\">Non-personal identification information</span></p>\r\n<p class=\"p1\"><span class=\"s1\">We may collect non-personal identification information about Users whenever they interact with our Site. Non-personal identification information may include the browser name, the type of computer and technical information about Users means of connection to our Site, such as the operating system and the Internet service provider’s utilized and other similar information.</span></p>\r\n<p class=\"p1\"><span class=\"s1\">Web browser cookies</span></p>\r\n<p class=\"p1\"><span class=\"s1\">Our Site may use “cookies” to enhance User experience. User’s web browser places cookies on their hard drive for record-keeping purposes and sometimes to track information about them. User may choose to set their web browser to refuse cookies, or to alert you when cookies are being sent. If they do so, note that some parts of the Site may not function properly.</span></p>\r\n<p class=\"p1\"><span class=\"s1\">Sharing your personal information</span></p>\r\n<p class=\"p1\"><span class=\"s1\">We do not sell, trade, or rent Users personal identification information to others. We may share generic aggregated demographic information not linked to any personal identification information regarding visitors and users with our business partners, trusted affiliates and advertisers for the purposes outlined above.</span></p>\r\n<p class=\"p1\"><span class=\"s1\">We may use third party service providers to help us operate our business and the Site or administer activities on our behalf, such as sending out newsletters or surveys. We may share your information with these third parties for those limited purposes provided that you have given us your permission.</span></p>\r\n<p class=\"p1\"><span class=\"s1\">Third party websites</span></p>\r\n<p class=\"p1\"><span class=\"s1\">Users may find advertising or other content on our Site that link to the sites and services of our partners, suppliers, advertisers, sponsors, licensors and other third parties. We do not control the content or links that appear on these sites and are not responsible for the practices employed by websites linked to or from our Site. In addition, these sites or services, including their content and links, may be constantly changing.</span></p>\r\n<p class=\"p1\"><span class=\"s1\">These sites and services may have their own privacy policies and customer service policies. Browsing and interaction on any other website, including websites which have a link to our Site, is subject to that website’s own terms and policies.</span></p>\r\n<p class=\"p1\"><span class=\"s1\">Use of Location Based-Services</span></p>\r\n<p class=\"p1\"><span class=\"s1\">Steve White Mortgages and its partners and licensors may provide certain features or services through the Service that rely upon device-based location information. To provide such features or services, where available, Steve White Mortgages and its partners and licensors may collect, use, transmit, process and maintain your location data, including the real-time geographic location of your device, and you hereby agree and consent to Steve White Mortgages’s and its partners’ and licensors’ collection, use, transmission, processing and maintenance of such location data to provide such services. In addition, by enabling and/or using any location-based services or features within the Service, you agree and consent to Steve White Mortgages collecting, using, processing and maintaining information related to your account, and any devices registered thereunder, for purposes of providing such location-based service or feature to you. Such information may include, but is not limited to, your device ID and name, device type and real-time geographic location of your device at time of your request. You may withdraw this consent at any time by not using the location-based features on your device. When using third party services that use or provide location data as part of the Service, you are subject to and should review such third party’s terms and privacy policy on use of location data by such third party services. Any location data provided by the Service is not intended to be relied upon in situations where precise location information is needed or where erroneous, inaccurate, time-delayed or incomplete location data may lead to death, personal injury, property or environmental damage. Neither Steve White Mortgages nor any of its content providers guarantees the availability, accuracy, completeness, reliability, or timeliness of location data or any other data displayed by the Service.</span></p>\r\n<p class=\"p1\"><span class=\"s1\">Advertising</span></p>\r\n<p class=\"p1\"><span class=\"s1\">Ads appearing on our site may be delivered to Users by advertising partners, who may set cookies. These cookies allow the ad server to recognize your computer each time they send you an online advertisement to compile non personal identification information about you or others who use your computer.</span></p>\r\n<p class=\"p1\"><span class=\"s1\">This information allows ad networks to, among other things, deliver targeted advertisements that they believe will be of most interest to you. This privacy policy does not cover the use of cookies by any advertisers. Since this is an informational blog, humor blog, parody website you have the opportunity to place ads or advertisements with us, please contact our support team for more information.</span></p>\r\n<p class=\"p1\"><span class=\"s1\">Choice/Opt-out</span></p>\r\n<p class=\"p1\"><span class=\"s1\">If we ever send you information by email concerning new products, services or information that you did not expressly request, we will provide you with an email address by which you may request no further notices.</span></p>\r\n<p class=\"p1\"><span class=\"s1\">Compliance with children’s online privacy protection act</span></p>\r\n<p class=\"p1\"><span class=\"s1\">Steve White Mortgages understands Google along with all other web browsers must adhere to any and all laws, of any and all States and abroad when anyone under the age of 18 years old is involved. Steve White Mortgages is law compliant. Steve White Mortgages does not hire children to perform any work on this web property or for the company itself. Children are not allowed to peruse, join, read, write or co-join this website.</span></p>\r\n<p class=\"p1\"><span class=\"s1\">Children is defined as a person under the age of 18 years age, no matter if they are emancipated or not, or they are the ward of court jurisdictions. Children are not allowed to contract, therefore, may not purchase services and or products from Steve White Mortgages.</span></p>\r\n<p class=\"p1\"><span class=\"s1\">CAN SPAM Act</span></p>\r\n<p class=\"p1\"><span class=\"s1\">The CAN-SPAM Act is a law that sets the rules for commercial email, establishes requirements for commercial messages, gives recipients the right to have emails stopped from being sent to them, and spells out tough penalties for violations.</span></p>\r\n<p class=\"p1\"><span class=\"s1\">We collect your email address in order to:</span></p>\r\n<p class=\"p1\"><span class=\"s1\">• Send information; respond to inquiries, and/or other requests or questions.</span></p>\r\n<p class=\"p1\"><span class=\"s1\">• Process orders and to send information and updates pertaining to orders</span></p>\r\n<p class=\"p1\"><span class=\"s1\">• We may also send you additional information related to your product and/or service.</span></p>\r\n<p class=\"p1\"><span class=\"s1\">• Market to our mailing list or continue to send emails to our clients after the original transaction has occurred</span></p>\r\n<p class=\"p1\"><span class=\"s1\">To be in accordance with CANSPAM we agree to the following:</span></p>\r\n<p class=\"p1\"><span class=\"s1\">• NOT use false or misleading subjects or email addresses</span></p>\r\n<p class=\"p1\"><span class=\"s1\">• Identify the message as an advertisement in some reasonable way</span></p>\r\n<p class=\"p1\"><span class=\"s1\">• Include the physical address of our business or site headquarters</span></p>\r\n<p class=\"p1\"><span class=\"s1\">• Monitor third party email marketing services for compliance, if one is used.</span></p>\r\n<p class=\"p1\"><span class=\"s1\">• Honour opt-out/unsubscribe requests quickly</span></p>\r\n<p class=\"p1\"><span class=\"s1\">• Allow users to unsubscribe by using the link at the bottom of each email</span></p>\r\n<p class=\"p1\"><span class=\"s1\">Fair Information Practices</span></p>\r\n<p class=\"p1\"><span class=\"s1\">The Fair Information Practices Principles form the backbone of privacy law and the concepts they include have played a significant role in the development of data protection laws around the globe. Understanding the Fair Information Practice Principles and how they should be implemented is critical to comply with the various privacy laws that protect personal information.</span></p>\r\n<p class=\"p1\"><span class=\"s1\">In order to be in line with Fair Information Practices we will take the following responsive action, should a data breach occur:</span></p>\r\n<p class=\"p1\"><span class=\"s1\">We will notify the users via email</span></p>\r\n<p class=\"p1\"><span class=\"s1\">• Within 7 business days</span></p>\r\n<p class=\"p1\"><span class=\"s1\">We will notify the users via in site notification</span></p>\r\n<p class=\"p1\"><span class=\"s1\">• Within 7 business days</span></p>\r\n<p class=\"p1\"><span class=\"s1\">We also agree to the individual redress principle, which requires that individuals have a right to pursue legally enforceable rights against data collectors and processors who fail to adhere to the law. This principle requires not only those individuals have enforceable rights against data users, but also that individuals have recourse to courts or a government agency to investigate and/or prosecute non-compliance by data processors.</span></p>\r\n<p class=\"p1\"><span class=\"s1\">Changes to this privacy policy</span></p>\r\n<p class=\"p1\"><span class=\"s1\">Steve White Mortgages has the discretion to update this privacy policy at any time. When we do, we will revise the updated date at the bottom of this page. We encourage Users to frequently check this page for any changes to stay informed about how we are helping to protect the personal information we collect.</span></p>\r\n<p class=\"p1\"><span class=\"s1\">You acknowledge and agree that it is your responsibility to review this privacy policy periodically and become aware of modifications.</span></p>\r\n<p class=\"p1\"><span class=\"s1\">Your acceptance of these terms</span></p>\r\n<p class=\"p1\"><span class=\"s1\">By using this Site, you signify your acceptance of this policy and Terms of Service. If you do not agree to this policy, please do not use our Site. Your continued use of the Site following the posting of changes to this policy will be deemed your acceptance of those changes.</span></p>\r\n<p class=\"p1\"><span class=\"s1\">Contact us</span></p>\r\n<p class=\"p1\"><span class=\"s1\">Steve White Mortgages welcomes your questions or comments regarding this Statement of Privacy. If you believe that Steve White Mortgages has not adhered to this Statement, please contact us at:</span></p>\r\n<p class=\"p1\"><span class=\"s1\">Steve White Mortgages</span></p>\r\n<p class=\"p1\"><span class=\"s1\">Phone: 905.903.4799</span></p>\r\n<p class=\"p1\"><span class=\"s1\">Effective as of January 17, 2017</span></p>','Privacy','','publish','closed','closed','','privacy','','','2017-04-03 23:40:43','2017-04-03 23:40:43','',0,'https://www.stevewhitemortgages.ca/?page_id=5147',0,'page','',0),(5149,1,'2017-04-03 23:42:22','2017-04-03 23:42:22','<p class=\"p1\"><span class=\"s1\">Steve White Mortgages Terms of Service (“Agreement”)</span></p>\r\n<p class=\"p1\"><span class=\"s1\">Please read these Terms of Service (“Agreement”, “Terms of Service”) carefully before using Steve White Mortgages (“the Site”) operated by Steve White Mortgages (“us”, “we”, or “our”). This Agreement sets forth the legally binding Terms of Service for your use of the Site at Steve White Mortgages</span></p>\r\n<p class=\"p1\"><span class=\"s1\">By accessing or using the Site in any manner, including, but not limited to, visiting or browsing the Site or contributing content or other materials to the Site, you agree to be bound by these Terms of Service. Capitalized terms are defined in this Agreement.</span></p>\r\n<p class=\"p1\"><span class=\"s1\">These Terms, and any rights and licenses granted hereunder, may not be transferred or assigned by you, but may be assigned by Steve White Mortgages without restriction. Any attempted transfer or assignment in violation hereof shall be null and void.</span></p>\r\n<p class=\"p1\"><span class=\"s1\">Acceptance of Terms of Service and Amendments</span></p>\r\n<p class=\"p1\"><span class=\"s1\">Each time you use or cause access to this web site, you agree to be bound by these Terms of Service, and as amended from time to time with or without notice to you. In addition, if you are using a particular service on or through this web site, you will be subject to any rules or guidelines applicable to those services and they shall be incorporated by reference into these Terms of Service. Please see our Privacy Policy, which is incorporated into these Terms of Service by reference.</span></p>\r\n<p class=\"p1\"><span class=\"s1\">Our Service</span></p>\r\n<p class=\"p1\"><span class=\"s1\">Our web site and services provided to you on and through our web site on an “AS IS” basis. You agree that the owners of this web site exclusively reserve the right and may, at any time and without notice and any liability to you, modify or discontinue this web site and its services or delete the data you provide, whether temporarily or permanently. We shall have no responsibility or liability for the timeliness, deletion, failure to store, inaccuracy, or improper delivery of any data or information.</span></p>\r\n<p class=\"p1\"><span class=\"s1\">Your Responsibilities and Registration Obligations</span></p>\r\n<p class=\"p1\"><span class=\"s1\">In order to use this web site, you must register on our site, agree to provide truthful information when requested, and be at least the age of thirteen (13) or older. When registering, you explicitly agree to our Terms of Service and as may be modified by us from time to time and available here.</span></p>\r\n<p class=\"p1\"><span class=\"s1\">Privacy Policy</span></p>\r\n<p class=\"p1\"><span class=\"s1\">Registration data and other personally identifiable information that we may collect is subject to the terms of our Privacy Policy.</span></p>\r\n<p class=\"p1\"><span class=\"s1\">Registration and Password</span></p>\r\n<p class=\"p1\"><span class=\"s1\">You are responsible to maintain the confidentiality of your password and shall be responsible for all uses via your registration and/or login, whether authorized or unauthorized by you. You agree to immediately notify us of any unauthorized use or your registration, user account or password.</span></p>\r\n<p class=\"p1\"><span class=\"s1\">Your Conduct</span></p>\r\n<p class=\"p1\"><span class=\"s1\">You agree that all information or data of any kind, whether text, software, code, music or sound, photographs or graphics, video or other materials (“Content”), publicly or privately provided, shall be the sole responsibility of the person providing the Content or the person whose user account is used. You agree that our web site may expose you to Content that may be objectionable or offensive. We shall not be responsible to you in any way for the Content that appears on this web site nor for any error or omission.</span></p>\r\n<p class=\"p1\"><span class=\"s1\">You explicitly agree, in using this web site or any service provided, that you shall not:</span></p>\r\n<p class=\"p1\"><span class=\"s1\">(a) provide any Content or perform any conduct that may be unlawful, illegal, threatening, harmful, abusive, harassing, stalking, tortuous, defamatory, libelous, vulgar, obscene, offensive, objectionable, pornographic, designed to or does interfere or interrupt this web site or any service provided, infected with a virus or other destructive or deleterious programming routine, give rise to civil or criminal liability, or which may violate an applicable local, national or international law;</span></p>\r\n<p class=\"p1\"><span class=\"s1\">(b) impersonate or misrepresent your association with any person or entity, or forge or otherwise seek to conceal or misrepresent the origin of any Content provided by you;</span></p>\r\n<p class=\"p1\"><span class=\"s1\">(c) collect or harvest any data about other users;</span></p>\r\n<p class=\"p1\"><span class=\"s1\">(d) provide or use this web site and any Content or service in any commercial manner or in any manner that would involve junk mail, spam, chain letters, pyramid schemes, or any other form of unauthorized advertising without our prior written consent;</span></p>\r\n<p class=\"p1\"><span class=\"s1\">(e) provide any Content that may give rise to our civil or criminal liability or which may constitute or be considered a violation of any local, national or international law, including but not limited to laws relating to copyright, trademark, patent, or trade secrets.</span></p>\r\n<p class=\"p1\"><span class=\"s1\">Submission of Content on this Site</span></p>\r\n<p class=\"p1\"><span class=\"s1\">By providing any Content to our web site you agree to all of the following statements listed below:</span></p>\r\n<p class=\"p1\"><span class=\"s1\">(a) you agree to grant to us a worldwide, royalty-free, perpetual, non-exclusive right and license (including any moral rights or other necessary rights) to use, display, reproduce, modify, adapt, publish, distribute, perform, promote, archive, translate, and to create derivative works and compilations, in whole or in part. Such license will apply with respect to any form, media, technology known or later developed;</span></p>\r\n<p class=\"p1\"><span class=\"s1\">(b) you warrant and represent that you have all legal, moral, and other rights that may be necessary to grant us with the license set forth in this Section 7;</span></p>\r\n<p class=\"p1\"><span class=\"s1\">(c) you acknowledge and agree that we shall have the right (but not obligation), in our sole discretion, to refuse to publish or to remove or block access to any Content you provide at any time and for any reason, with or without notice.</span></p>\r\n<p class=\"p1\"><span class=\"s1\">Third Party Services</span></p>\r\n<p class=\"p1\"><span class=\"s1\">Goods and services of third parties may be advertised and/or made available on or through this web site. Representations made regarding products and services provided by third parties are governed by the policies and representations made by these third parties. We shall not be liable for or responsible in any manner for any of your dealings or interaction with third parties.</span></p>\r\n<p class=\"p1\"><span class=\"s1\">Indemnification</span></p>\r\n<p class=\"p1\"><span class=\"s1\">You agree to indemnify and hold us harmless, our subsidiaries, affiliates, related parties, officers, directors, employees, agents, independent contractors, advertisers, partners, and co- branders from any claim or demand, including reasonable attorney’s fees, that may be made by any third party, that is due to or arising out of your conduct or connection with this web site or service, your provision of Content, your violation of this Terms of Service or any other violation of the rights of another person or party.</span></p>\r\n<p class=\"p1\"><span class=\"s1\">DISCLAIMER OF WARRANTIES</span></p>\r\n<p class=\"p1\"><span class=\"s1\">YOU UNDERSTAND AND AGREE THAT YOUR USE OF THIS WEB SITE AND ANY SERVICES OR CONTENT PROVIDED (THE “SERVICE”) IS MADE AVAILABLE AND PROVIDED TO YOU AT YOUR OWN RISK. IT IS PROVIDED TO YOU “AS IS” AND WE EXPRESSLY DISCLAIM ALL WARRANTIES</span></p>\r\n<p class=\"p1\"><span class=\"s1\">OF ANY KIND, IMPLIED OR EXPRESS, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.</span></p>\r\n<p class=\"p1\"><span class=\"s1\">WE MAKE NO WARRANTY, IMPLIED OR EXPRESS, THAT ANY PART OF THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, VIRUS-FREE, TIMELY, SECURE, ACCURATE, RELIABLE, OF ANY QUALITY, NOR THAT ANY CONTENT IS SAFE IN ANY MANNER FOR DOWNLOAD. YOU UNDERSTAND AND AGREE THAT NEITHER US NOR ANY PARTICIPANT IN THE SERVICE PROVIDES PROFESSIONAL ADVICE OF ANY KIND AND THAT USE OF SUCH ADVICE OR ANY OTHER INFORMATION IS SOLELY AT YOUR OWN RISK AND WITHOUT OUR LIABILITY OF ANY KIND.</span></p>\r\n<p class=\"p1\"><span class=\"s1\">Some jurisdictions may not allow disclaimers of implied warranties and the above disclaimer may not apply to you only as it relates to implied warranties.</span></p>\r\n<p class=\"p1\"><span class=\"s1\">LIMITATION OF LIABILITY</span></p>\r\n<p class=\"p1\"><span class=\"s1\">YOU EXPRESSLY UNDERSTAND AND AGREE THAT WE SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSS (EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES), RESULTING FROM OR ARISING OUT OF (I) THE USE OF OR THE INABILITY TO USE THE SERVICE, (II) THE COST TO OBTAIN SUBSTITUTE GOODS AND/OR SERVICES RESULTING FROM ANY TRANSACTION ENTERED INTO ON THROUGH THE SERVICE, (III) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR DATA TRANSMISSIONS, (IV) STATEMENTS OR CONDUCT OF ANY THIRD PARTY ON THE SERVICE, OR (V) ANY OTHER MATTER RELATING TO THE SERVICE.</span></p>\r\n<p class=\"p1\"><span class=\"s1\">In some jurisdictions, it is not permitted to limit liability and therefore such limitations may not apply to you.</span></p>\r\n<p class=\"p1\"><span class=\"s1\">Regards to Communication</span></p>\r\n<p class=\"p1\"><span class=\"s1\">We do not make any representations or warranties as to the truth or accuracy of any statement made or materials posted on or through our site, forum, bulletin board, chat room, or any other user interactive area of our site. You agree and acknowledge that you assume the risk of any actions you take in reliance upon the information that may be contained in our site, forum, bulletin board, chat room, or any other user interactive area of our site.</span></p>\r\n<p class=\"p1\"><span class=\"s1\">We do not endorse or lend any credence for any statements that are made by any participant in our forum, bulletin board, chat room, or any other user interactive area of our site. Any opinions or views expressed by our site, forum, bulletin board, chat room, or any other user interactive area of our site participants are their own. We do not endorse or support or otherwise give any credence or reason for reliance on any such statements or opinions.</span></p>\r\n<p class=\"p1\"><span class=\"s1\">You are fully responsible for your own statements and materials that you post in our site, forum, bulletin board, chat room, or any other user interactive area of our site and any consequences, whether or not foreseen, to any party who may rely upon these statements. You agree that you will not take any action directed towards attempting to hold us responsible for any such materials or statements.</span></p>\r\n<p class=\"p1\"><span class=\"s1\">As a participant in our site, forum, bulletin board, chat room, or any other user interactive area of our site, you agree that we may remove any materials from our site, forum, bulletin board, chat room, or any other user interactive area of our site for any reason, in our sole discretion, or for no reason at all. This includes material which is disruptive, abusive, offensive, illegal, vulgar, pornographic, or any other material. You hold us harmless from and against any damage you or others may suffer as a result of our removal of any content from our forum, bulletin board, chat room, or any other user interactive area of our site or from the discontinuance of our forum, bulletin board, chat room, or any other user interactive area of our site at any time.</span></p>\r\n<p class=\"p1\"><span class=\"s1\">Important Communication Note: When opting to do shares through our sites social accounts we own based on the service you have subscribed to when you placed an order for your campaign may be shared through third party accounts. Moreover, please note since when shares are conducted through a 3rd party service we will not have the ability to access the amount of friends/followers one may have.</span></p>\r\n<p class=\"p1\"><span class=\"s1\">Arbitration</span></p>\r\n<p class=\"p1\"><span class=\"s1\">For any disputes or discrepancies you may have with Steve White Mortgages, you agree to first contact us and attempt to resolve the dispute with us informally. Any controversies or disputes arising out of or relating to this Agreement shall be resolved by binding arbitration in accordance with the then-current Commercial Arbitration Rules of the Canadian Arbitration Association. The parties shall select a mutually acceptable arbitrator knowledgeable about issues relating to the subject matter of this Agreement. In the event the parties are unable to agree to such a selection, each party will select an arbitrator and the two arbitrators in turn shall select a third arbitrator, all three of whom shall preside jointly over the matter. The arbitrator shall take place at a location that is reasonably centrally located between the parties, or otherwise mutually agreed upon by the parties.</span></p>\r\n<p class=\"p1\"><span class=\"s1\">All documents, materials, and information in the possession of each party that are in any way relevant to the dispute shall be made available to the other party for review and copy no later than 30 days after the notice of arbitration is served.</span></p>\r\n<p class=\"p1\"><span class=\"s1\">The arbitrator(s) shall not have the authority to modify any provision of this Agreement or to award punitive damages. The arbitrator(s) shall have the power to issue mandatory orders and restraint orders in connection with the arbitration. The decision rendered by the arbitrator(s) shall be final and binding on the parties, and judgment may be entered in conformity with the decision in any court having jurisdiction. The agreement to arbitration shall be specifically enforceable under the prevailing arbitration law. During the continuance of any arbitration proceeding, the parties shall continue to perform their respective obligations under this Agreement.</span></p>\r\n<p class=\"p1\"><span class=\"s1\">Reservation of Rights</span></p>\r\n<p class=\"p1\"><span class=\"s1\">We reserve all of our rights, including but not limited to any and all copyrights, trademarks, patents, trade secrets, and any other proprietary right that we may have in our web site, its content, and the goods and services that may be provided. The use of our rights and property requires our prior written consent. We are not providing you with any implied or express licenses or rights by making services available to you and you will have no rights to make any commercial uses of our web site or service without our prior written consent.</span></p>\r\n<p class=\"p1\"><span class=\"s1\">Notification of Copyright Infringement</span></p>\r\n<p class=\"p1\"><span class=\"s1\">If you believe that your property has been used in any way that would be considered copyright infringement or a violation of your intellectual property rights, our copyright agent may be contacted at the following address:</span></p>\r\n<p class=\"p1\"><span class=\"s1\">Steve White Mortgages</span></p>\r\n<p class=\"p1\"><span class=\"s1\">Steve White Mortgages SPECIFICALLY DISCLAIMS ANY AND ALL WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT, AND ANY WARRANTIES ARISING OUT OF COURSE OF DEALING OR USAGE OF TRADE.</span></p>\r\n<p class=\"p1\"><span class=\"s1\">Steve White Mortgages takes no responsibility and assumes no liability for any User Content that you or any other user or third party posts or transmits using our images, products or services. You understand and agree that you may be exposed to User Content that is inaccurate, objectionable, inappropriate for children, or otherwise unsuited to your purpose.</span></p>\r\n<p class=\"p1\"><span class=\"s1\">Applicable Law</span></p>\r\n<p class=\"p1\"><span class=\"s1\">You agree that this Terms of Service and any dispute arising out of your use of this web site or our products or services shall be governed by and construed in accordance with local laws where the headquarters of the owner of this web site is located, without regard to its conflict of law provisions. By registering or using this web site and service you consent and submit to the exclusive jurisdiction and venue of the county or city where the headquarters of the owner of this web site is located.</span></p>\r\n<p class=\"p1\"><span class=\"s1\">Miscellaneous Information</span></p>\r\n<p class=\"p1\"><span class=\"s1\">(i) In the event that this Terms of Service conflicts with any law under which any provision may be held invalid by a court with jurisdiction over the parties, such provision will be interpreted to reflect the original intentions of the parties in accordance with applicable law, and the remainder of this Terms of Service will remain valid and intact;</span></p>\r\n<p class=\"p1\"><span class=\"s1\">(ii) The failure of either party to assert any right under this Terms of Service shall not be considered a waiver of any that party’s right and that right will remain in full force and effect;</span></p>\r\n<p class=\"p1\"><span class=\"s1\">(iii) You agree that without regard to any statue or contrary law that any claim or cause arising out of this web site or its services must be filed within one (1) year after such claim or cause arose or the claim shall be forever barred; (iv) We may assign our rights and obligations under this Terms of Service and we shall be relieved of any further obligation.</span></p>\r\n<p class=\"p1\"><span class=\"s1\">This Agreement was last modified on June 17, 2016</span></p>','Terms','','publish','closed','closed','','terms','','','2017-04-04 00:00:21','2017-04-04 00:00:21','',0,'https://www.stevewhitemortgages.ca/?page_id=5149',0,'page','',0),(5150,1,'2017-04-03 23:42:22','2017-04-03 23:42:22','<p class=\"p1\"><span class=\"s1\">Steve White Mortgages Terms of Service (“Agreement”)</span></p>\r\n<p class=\"p1\"><span class=\"s1\">Please read these Terms of Service (“Agreement”, “Terms of Service”) carefully before using Steve White Mortgages (“the Site”) operated by Steve White Mortgages (“us”, “we”, or “our”). This Agreement sets forth the legally binding Terms of Service for your use of the Site at Steve White Mortgages</span></p>\r\n<p class=\"p1\"><span class=\"s1\">By accessing or using the Site in any manner, including, but not limited to, visiting or browsing the Site or contributing content or other materials to the Site, you agree to be bound by these Terms of Service. Capitalized terms are defined in this Agreement.</span></p>\r\n<p class=\"p1\"><span class=\"s1\">These Terms, and any rights and licenses granted hereunder, may not be transferred or assigned by you, but may be assigned by Steve White Mortgages without restriction. Any attempted transfer or assignment in violation hereof shall be null and void.</span></p>\r\n<p class=\"p1\"><span class=\"s1\">Acceptance of Terms of Service and Amendments</span></p>\r\n<p class=\"p1\"><span class=\"s1\">Each time you use or cause access to this web site, you agree to be bound by these Terms of Service, and as amended from time to time with or without notice to you. In addition, if you are using a particular service on or through this web site, you will be subject to any rules or guidelines applicable to those services and they shall be incorporated by reference into these Terms of Service. Please see our Privacy Policy, which is incorporated into these Terms of Service by reference.</span></p>\r\n<p class=\"p1\"><span class=\"s1\">Our Service</span></p>\r\n<p class=\"p1\"><span class=\"s1\">Our web site and services provided to you on and through our web site on an “AS IS” basis. You agree that the owners of this web site exclusively reserve the right and may, at any time and without notice and any liability to you, modify or discontinue this web site and its services or delete the data you provide, whether temporarily or permanently. We shall have no responsibility or liability for the timeliness, deletion, failure to store, inaccuracy, or improper delivery of any data or information.</span></p>\r\n<p class=\"p1\"><span class=\"s1\">Your Responsibilities and Registration Obligations</span></p>\r\n<p class=\"p1\"><span class=\"s1\">In order to use this web site, you must register on our site, agree to provide truthful information when requested, and be at least the age of thirteen (13) or older. When registering, you explicitly agree to our Terms of Service and as may be modified by us from time to time and available here.</span></p>\r\n<p class=\"p1\"><span class=\"s1\">Privacy Policy</span></p>\r\n<p class=\"p1\"><span class=\"s1\">Registration data and other personally identifiable information that we may collect is subject to the terms of our Privacy Policy.</span></p>\r\n<p class=\"p1\"><span class=\"s1\">Registration and Password</span></p>\r\n<p class=\"p1\"><span class=\"s1\">You are responsible to maintain the confidentiality of your password and shall be responsible for all uses via your registration and/or login, whether authorized or unauthorized by you. You agree to immediately notify us of any unauthorized use or your registration, user account or password.</span></p>\r\n<p class=\"p1\"><span class=\"s1\">Your Conduct</span></p>\r\n<p class=\"p1\"><span class=\"s1\">You agree that all information or data of any kind, whether text, software, code, music or sound, photographs or graphics, video or other materials (“Content”), publicly or privately provided, shall be the sole responsibility of the person providing the Content or the person whose user account is used. You agree that our web site may expose you to Content that may be objectionable or offensive. We shall not be responsible to you in any way for the Content that appears on this web site nor for any error or omission.</span></p>\r\n<p class=\"p1\"><span class=\"s1\">You explicitly agree, in using this web site or any service provided, that you shall not:</span></p>\r\n<p class=\"p1\"><span class=\"s1\">(a) provide any Content or perform any conduct that may be unlawful, illegal, threatening, harmful, abusive, harassing, stalking, tortuous, defamatory, libelous, vulgar, obscene, offensive, objectionable, pornographic, designed to or does interfere or interrupt this web site or any service provided, infected with a virus or other destructive or deleterious programming routine, give rise to civil or criminal liability, or which may violate an applicable local, national or international law;</span></p>\r\n<p class=\"p1\"><span class=\"s1\">(b) impersonate or misrepresent your association with any person or entity, or forge or otherwise seek to conceal or misrepresent the origin of any Content provided by you;</span></p>\r\n<p class=\"p1\"><span class=\"s1\">(c) collect or harvest any data about other users;</span></p>\r\n<p class=\"p1\"><span class=\"s1\">(d) provide or use this web site and any Content or service in any commercial manner or in any manner that would involve junk mail, spam, chain letters, pyramid schemes, or any other form of unauthorized advertising without our prior written consent;</span></p>\r\n<p class=\"p1\"><span class=\"s1\">(e) provide any Content that may give rise to our civil or criminal liability or which may constitute or be considered a violation of any local, national or international law, including but not limited to laws relating to copyright, trademark, patent, or trade secrets.</span></p>\r\n<p class=\"p1\"><span class=\"s1\">Submission of Content on this Site</span></p>\r\n<p class=\"p1\"><span class=\"s1\">By providing any Content to our web site you agree to all of the following statements listed below:</span></p>\r\n<p class=\"p1\"><span class=\"s1\">(a) you agree to grant to us a worldwide, royalty-free, perpetual, non-exclusive right and license (including any moral rights or other necessary rights) to use, display, reproduce, modify, adapt, publish, distribute, perform, promote, archive, translate, and to create derivative works and compilations, in whole or in part. Such license will apply with respect to any form, media, technology known or later developed;</span></p>\r\n<p class=\"p1\"><span class=\"s1\">(b) you warrant and represent that you have all legal, moral, and other rights that may be necessary to grant us with the license set forth in this Section 7;</span></p>\r\n<p class=\"p1\"><span class=\"s1\">(c) you acknowledge and agree that we shall have the right (but not obligation), in our sole discretion, to refuse to publish or to remove or block access to any Content you provide at any time and for any reason, with or without notice.</span></p>\r\n<p class=\"p1\"><span class=\"s1\">Third Party Services</span></p>\r\n<p class=\"p1\"><span class=\"s1\">Goods and services of third parties may be advertised and/or made available on or through this web site. Representations made regarding products and services provided by third parties are governed by the policies and representations made by these third parties. We shall not be liable for or responsible in any manner for any of your dealings or interaction with third parties.</span></p>\r\n<p class=\"p1\"><span class=\"s1\">Indemnification</span></p>\r\n<p class=\"p1\"><span class=\"s1\">You agree to indemnify and hold us harmless, our subsidiaries, affiliates, related parties, officers, directors, employees, agents, independent contractors, advertisers, partners, and co- branders from any claim or demand, including reasonable attorney’s fees, that may be made by any third party, that is due to or arising out of your conduct or connection with this web site or service, your provision of Content, your violation of this Terms of Service or any other violation of the rights of another person or party.</span></p>\r\n<p class=\"p1\"><span class=\"s1\">DISCLAIMER OF WARRANTIES</span></p>\r\n<p class=\"p1\"><span class=\"s1\">YOU UNDERSTAND AND AGREE THAT YOUR USE OF THIS WEB SITE AND ANY SERVICES OR CONTENT PROVIDED (THE “SERVICE”) IS MADE AVAILABLE AND PROVIDED TO YOU AT YOUR OWN RISK. IT IS PROVIDED TO YOU “AS IS” AND WE EXPRESSLY DISCLAIM ALL WARRANTIES</span></p>\r\n<p class=\"p1\"><span class=\"s1\">OF ANY KIND, IMPLIED OR EXPRESS, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.</span></p>\r\n<p class=\"p1\"><span class=\"s1\">WE MAKE NO WARRANTY, IMPLIED OR EXPRESS, THAT ANY PART OF THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, VIRUS-FREE, TIMELY, SECURE, ACCURATE, RELIABLE, OF ANY QUALITY, NOR THAT ANY CONTENT IS SAFE IN ANY MANNER FOR DOWNLOAD. YOU UNDERSTAND AND AGREE THAT NEITHER US NOR ANY PARTICIPANT IN THE SERVICE PROVIDES PROFESSIONAL ADVICE OF ANY KIND AND THAT USE OF SUCH ADVICE OR ANY OTHER INFORMATION IS SOLELY AT YOUR OWN RISK AND WITHOUT OUR LIABILITY OF ANY KIND.</span></p>\r\n<p class=\"p1\"><span class=\"s1\">Some jurisdictions may not allow disclaimers of implied warranties and the above disclaimer may not apply to you only as it relates to implied warranties.</span></p>\r\n<p class=\"p1\"><span class=\"s1\">LIMITATION OF LIABILITY</span></p>\r\n<p class=\"p1\"><span class=\"s1\">YOU EXPRESSLY UNDERSTAND AND AGREE THAT WE SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSS (EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES), RESULTING FROM OR ARISING OUT OF (I) THE USE OF OR THE INABILITY TO USE THE SERVICE, (II) THE COST TO OBTAIN SUBSTITUTE GOODS AND/OR SERVICES RESULTING FROM ANY TRANSACTION ENTERED INTO ON THROUGH THE SERVICE, (III) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR DATA TRANSMISSIONS, (IV) STATEMENTS OR CONDUCT OF ANY THIRD PARTY ON THE SERVICE, OR (V) ANY OTHER MATTER RELATING TO THE SERVICE.</span></p>\r\n<p class=\"p1\"><span class=\"s1\">In some jurisdictions, it is not permitted to limit liability and therefore such limitations may not apply to you.</span></p>\r\n<p class=\"p1\"><span class=\"s1\">Regards to Communication</span></p>\r\n<p class=\"p1\"><span class=\"s1\">We do not make any representations or warranties as to the truth or accuracy of any statement made or materials posted on or through our site, forum, bulletin board, chat room, or any other user interactive area of our site. You agree and acknowledge that you assume the risk of any actions you take in reliance upon the information that may be contained in our site, forum, bulletin board, chat room, or any other user interactive area of our site.</span></p>\r\n<p class=\"p1\"><span class=\"s1\">We do not endorse or lend any credence for any statements that are made by any participant in our forum, bulletin board, chat room, or any other user interactive area of our site. Any opinions or views expressed by our site, forum, bulletin board, chat room, or any other user interactive area of our site participants are their own. We do not endorse or support or otherwise give any credence or reason for reliance on any such statements or opinions.</span></p>\r\n<p class=\"p1\"><span class=\"s1\">You are fully responsible for your own statements and materials that you post in our site, forum, bulletin board, chat room, or any other user interactive area of our site and any consequences, whether or not foreseen, to any party who may rely upon these statements. You agree that you will not take any action directed towards attempting to hold us responsible for any such materials or statements.</span></p>\r\n<p class=\"p1\"><span class=\"s1\">As a participant in our site, forum, bulletin board, chat room, or any other user interactive area of our site, you agree that we may remove any materials from our site, forum, bulletin board, chat room, or any other user interactive area of our site for any reason, in our sole discretion, or for no reason at all. This includes material which is disruptive, abusive, offensive, illegal, vulgar, pornographic, or any other material. You hold us harmless from and against any damage you or others may suffer as a result of our removal of any content from our forum, bulletin board, chat room, or any other user interactive area of our site or from the discontinuance of our forum, bulletin board, chat room, or any other user interactive area of our site at any time.</span></p>\r\n<p class=\"p1\"><span class=\"s1\">Important Communication Note: When opting to do shares through our sites social accounts we own based on the service you have subscribed to when you placed an order for your campaign may be shared through third party accounts. Moreover, please note since when shares are conducted through a 3rd party service we will not have the ability to access the amount of friends/followers one may have.</span></p>\r\n<p class=\"p1\"><span class=\"s1\">Arbitration</span></p>\r\n<p class=\"p1\"><span class=\"s1\">For any disputes or discrepancies you may have with Steve White Mortgages, you agree to first contact us and attempt to resolve the dispute with us informally. Any controversies or disputes arising out of or relating to this Agreement shall be resolved by binding arbitration in accordance with the then-current Commercial Arbitration Rules of the Canadian Arbitration Association. The parties shall select a mutually acceptable arbitrator knowledgeable about issues relating to the subject matter of this Agreement. In the event the parties are unable to agree to such a selection, each party will select an arbitrator and the two arbitrators in turn shall select a third arbitrator, all three of whom shall preside jointly over the matter. The arbitrator shall take place at a location that is reasonably centrally located between the parties, or otherwise mutually agreed upon by the parties.</span></p>\r\n<p class=\"p1\"><span class=\"s1\">All documents, materials, and information in the possession of each party that are in any way relevant to the dispute shall be made available to the other party for review and copy no later than 30 days after the notice of arbitration is served.</span></p>\r\n<p class=\"p1\"><span class=\"s1\">The arbitrator(s) shall not have the authority to modify any provision of this Agreement or to award punitive damages. The arbitrator(s) shall have the power to issue mandatory orders and restraint orders in connection with the arbitration. The decision rendered by the arbitrator(s) shall be final and binding on the parties, and judgment may be entered in conformity with the decision in any court having jurisdiction. The agreement to arbitration shall be specifically enforceable under the prevailing arbitration law. During the continuance of any arbitration proceeding, the parties shall continue to perform their respective obligations under this Agreement.</span></p>\r\n<p class=\"p1\"><span class=\"s1\">Reservation of Rights</span></p>\r\n<p class=\"p1\"><span class=\"s1\">We reserve all of our rights, including but not limited to any and all copyrights, trademarks, patents, trade secrets, and any other proprietary right that we may have in our web site, its content, and the goods and services that may be provided. The use of our rights and property requires our prior written consent. We are not providing you with any implied or express licenses or rights by making services available to you and you will have no rights to make any commercial uses of our web site or service without our prior written consent.</span></p>\r\n<p class=\"p1\"><span class=\"s1\">Notification of Copyright Infringement</span></p>\r\n<p class=\"p1\"><span class=\"s1\">If you believe that your property has been used in any way that would be considered copyright infringement or a violation of your intellectual property rights, our copyright agent may be contacted at the following address:</span></p>\r\n<p class=\"p1\"><span class=\"s1\">Steve White Mortgages</span></p>\r\n<p class=\"p1\"><span class=\"s1\">Steve White Mortgages SPECIFICALLY DISCLAIMS ANY AND ALL WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT, AND ANY WARRANTIES ARISING OUT OF COURSE OF DEALING OR USAGE OF TRADE.</span></p>\r\n<p class=\"p1\"><span class=\"s1\">Steve White Mortgages takes no responsibility and assumes no liability for any User Content that you or any other user or third party posts or transmits using our images, products or services. You understand and agree that you may be exposed to User Content that is inaccurate, objectionable, inappropriate for children, or otherwise unsuited to your purpose.</span></p>\r\n<p class=\"p1\"><span class=\"s1\">Applicable Law</span></p>\r\n<p class=\"p1\"><span class=\"s1\">You agree that this Terms of Service and any dispute arising out of your use of this web site or our products or services shall be governed by and construed in accordance with local laws where the headquarters of the owner of this web site is located, without regard to its conflict of law provisions. By registering or using this web site and service you consent and submit to the exclusive jurisdiction and venue of the county or city where the headquarters of the owner of this web site is located.</span></p>\r\n<p class=\"p1\"><span class=\"s1\">Miscellaneous Information</span></p>\r\n<p class=\"p1\"><span class=\"s1\">(i) In the event that this Terms of Service conflicts with any law under which any provision may be held invalid by a court with jurisdiction over the parties, such provision will be interpreted to reflect the original intentions of the parties in accordance with applicable law, and the remainder of this Terms of Service will remain valid and intact;</span></p>\r\n<p class=\"p1\"><span class=\"s1\">(ii) The failure of either party to assert any right under this Terms of Service shall not be considered a waiver of any that party’s right and that right will remain in full force and effect;</span></p>\r\n<p class=\"p1\"><span class=\"s1\">(iii) You agree that without regard to any statue or contrary law that any claim or cause arising out of this web site or its services must be filed within one (1) year after such claim or cause arose or the claim shall be forever barred; (iv) We may assign our rights and obligations under this Terms of Service and we shall be relieved of any further obligation.</span></p>\r\n<p class=\"p1\"><span class=\"s1\">This Agreement was last modified on June 17, 2016</span></p>','Terms','','inherit','closed','closed','','5149-revision-v1','','','2017-04-03 23:42:22','2017-04-03 23:42:22','',5149,'https://www.stevewhitemortgages.ca/\'/2017/04/03/5149-revision-v1/\'',0,'revision','',0),(5151,1,'2017-04-03 23:58:22','2017-04-03 23:58:22','','Contact Page','','inherit','closed','closed','','1629-revision-v1','','','2017-04-03 23:58:22','2017-04-03 23:58:22','',1629,'https://www.stevewhitemortgages.ca/\'/2017/04/03/1629-revision-v1/\'',0,'revision','',0),(5152,1,'2017-04-03 23:59:05','2017-04-03 23:59:05','','Contact Page','','inherit','closed','closed','','1629-revision-v1','','','2017-04-03 23:59:05','2017-04-03 23:59:05','',1629,'https://www.stevewhitemortgages.ca/\'/2017/04/03/1629-revision-v1/\'',0,'revision','',0),(5153,1,'2017-04-03 23:59:47','2017-04-03 23:59:47','','Contact Page','','inherit','closed','closed','','1629-revision-v1','','','2017-04-03 23:59:47','2017-04-03 23:59:47','',1629,'https://www.stevewhitemortgages.ca/\'/2017/04/03/1629-revision-v1/\'',0,'revision','',0),(5154,1,'2017-04-04 00:01:06','2017-04-04 00:01:06','','Contact Page','','inherit','closed','closed','','1629-revision-v1','','','2017-04-04 00:01:06','2017-04-04 00:01:06','',1629,'https://www.stevewhitemortgages.ca/\'/2017/04/04/1629-revision-v1/\'',0,'revision','',0),(5155,1,'2017-04-04 00:19:18','2017-04-04 00:19:18','<h2 class=\"title text-normal-black padding_top24\" style=\"text-align: center;\">An app like no other!</h2>\r\n<h3 class=\"text-medium\">Find out what your property is worth &amp; get your updated credit score every month for FREE with MOPOLO’s PropertyTracker™ and CreditTracker™</h3>\r\n<p class=\"text-normal text-normal-black\">Register for MOPOLO\'s free CreditTracker™ and receive your credit score instantly, every month! The best part - it won\'t affect your credit rating.</p>\r\n<p class=\"text-normal text-normal-black\">With MOPOLO\'s PropertyTracker™ you receive a free property evaluation every month! Recently upgraded or thinking about it? Let the app know and see the value adjust.</p>\r\n<p class=\"text-normal text-normal-black\">MOPOLO also comes with a Personal Inventory Tracker™ which lets you keep track of your belongings at your fingertips. Access live rates anytime, apply for a mortgage, personal loan or credit card with just a few clicks. This truly is an app like no other!</p>\r\n&nbsp;\r\n\r\n[embed]https://www.youtube.com/watch?v=R4btuWFug5w&t=2s[/embed]\r\n<div id=\"skills\" class=\"text-center _mPS2id-t mPS2id-target mPS2id-target-first mPS2id-target-last\">\r\n<div class=\"container\">\r\n<div class=\"row\">\r\n<div class=\"col-md-8\">\r\n<h2 class=\"title-size47 text-normal-white\" style=\"text-align: center;\">Mortgage Calculators<span class=\"line-break\"> On The Go!</span></h2>\r\n<p class=\"apply-mortgage title-size24 line-height37 padding35 text-normal-white padding-bottom0\">MOPOLO comes equipped with an affordability Calculator and a Payment Calculator that you can use anywhere. Enter the details to see how much you can afford or what your payment will be. Looking at multiple options? You can email the results of each calculation.</p>\r\n\r\n<div class=\"container button-section\"></div>\r\n<h2 class=\"title-size47 text-normal-white\" style=\"text-align: center;\">Download MOPOLO:</h2>\r\n<h2 class=\"title-size47 text-normal-white\" style=\"text-align: center;\"><img class=\"img-responsive center icons\" title=\"Get MOPOLO\" src=\"http://mopolo.ca/img/icons.png\" /></h2>\r\n<p style=\"text-align: center;\">[gdlr_button href=\"https://itunes.apple.com/ca/app/mopolo/id964888705?mt=8\" target=\"_self\" size=\"medium\" background=\"#000000\" color=\"#ffffff\"]iPhone[/gdlr_button]</p>\r\n<p style=\"text-align: center;\">[gdlr_button href=\"https://play.google.com/store/apps/details?id=com.mortgagealliance.TMACC\" target=\"_self\" size=\"medium\" background=\"#000000\" color=\"#ffffff\"]Android[/gdlr_button]</p>\r\n<p style=\"text-align: center;\">[gdlr_button href=\"https://www.amazon.com/Mortgage-Alliance-MOPOLO/dp/B015TA2WOW\" target=\"_self\" size=\"medium\" background=\"#000000\" color=\"#ffffff\"]Blackberry[/gdlr_button]</p>\r\n\r\n</div>\r\n</div>\r\n</div>\r\n</div>','Our new Mortgage App is ready!','','publish','open','open','','our-new-mortgage-app-is-ready','','','2017-05-12 13:05:16','2017-05-12 13:05:16','',0,'https://www.stevewhitemortgages.ca/?p=5155',0,'post','',0),(5159,1,'2017-04-04 00:09:16','2017-04-04 00:09:16','[embed]https://www.youtube.com/watch?v=R4btuWFug5w&t=2s[/embed]','','','inherit','closed','closed','','5155-revision-v1','','','2017-04-04 00:09:16','2017-04-04 00:09:16','',5155,'https://www.stevewhitemortgages.ca/\'/2017/04/04/5155-revision-v1/\'',0,'revision','',0),(5156,1,'2017-04-04 00:06:57','2017-04-04 00:06:57','&lt;iframe width=\"560\" height=\"315\" src=\"https://www.youtube.com/embed/R4btuWFug5w\" frameborder=\"0\" allowfullscreen&gt;&lt;/iframe&gt;','','','inherit','closed','closed','','5155-revision-v1','','','2017-04-04 00:06:57','2017-04-04 00:06:57','',5155,'https://www.stevewhitemortgages.ca/\'/2017/04/04/5155-revision-v1/\'',0,'revision','',0),(5157,1,'2017-04-04 00:07:53','2017-04-04 00:07:53','[gdlr_video url=\"<a href=\"https://www.youtube.com/watch?v=R4btuWFug5w&amp;t=2s\">YOUR_YOUTUBE/VIMEO_URL</a>\" ]','','','inherit','closed','closed','','5155-revision-v1','','','2017-04-04 00:07:53','2017-04-04 00:07:53','',5155,'https://www.stevewhitemortgages.ca/\'/2017/04/04/5155-revision-v1/\'',0,'revision','',0),(5158,1,'2017-04-04 00:08:13','2017-04-04 00:08:13','[gdlr_video url=\"<a href=\"https://www.youtube.com/watch?v=R4btuWFug5w&amp;t=2s\">YOUR_YOUTUBE/VIMEO_URL</a>\" ]\r\n\r\n&nbsp;','','','inherit','closed','closed','','5155-revision-v1','','','2017-04-04 00:08:13','2017-04-04 00:08:13','',5155,'https://www.stevewhitemortgages.ca/\'/2017/04/04/5155-revision-v1/\'',0,'revision','',0),(5160,1,'2017-04-04 00:10:55','2017-04-04 00:10:55','[embed]https://www.youtube.com/watch?v=R4btuWFug5w&t=2s[/embed]\r\n<div id=\"skills\" class=\"text-center _mPS2id-t mPS2id-target mPS2id-target-first mPS2id-target-last\">\r\n<div class=\"container\">\r\n<div class=\"row\">\r\n<div class=\"col-md-8\">\r\n<h2 class=\"title text-normal-black padding_top24\">An app like no other!</h2>\r\n<h3 class=\"text-medium\">Find out what your property is worth &amp; get your updated credit score every month for FREE with MOPOLO’s PropertyTracker™ and CreditTracker™</h3>\r\n<p class=\"text-normal text-normal-black\">Register for MOPOLO\'s free CreditTracker™ and receive your credit score instantly, every month! The best part - it won\'t affect your credit rating.</p>\r\n<p class=\"text-normal text-normal-black\">With MOPOLO\'s PropertyTracker™ you receive a free property evaluation every month! Recently upgraded or thinking about it? Let the app know and see the value adjust.</p>\r\n<p class=\"text-normal text-normal-black\">MOPOLO also comes with a Personal Inventory Tracker™ which lets you keep track of your belongings at your fingertips. Access live rates anytime, apply for a mortgage, personal loan or credit card with just a few clicks. This truly is an app like no other!</p>\r\n\r\n</div>\r\n</div>\r\n</div>\r\n</div>','','','inherit','closed','closed','','5155-revision-v1','','','2017-04-04 00:10:55','2017-04-04 00:10:55','',5155,'https://www.stevewhitemortgages.ca/\'/2017/04/04/5155-revision-v1/\'',0,'revision','',0),(5161,1,'2017-04-04 00:12:57','2017-04-04 00:12:57','<h2 class=\"title text-normal-black padding_top24\">An app like no other!</h2>\r\n<h3 class=\"text-medium\">Find out what your property is worth &amp; get your updated credit score every month for FREE with MOPOLO’s PropertyTracker™ and CreditTracker™</h3>\r\n<p class=\"text-normal text-normal-black\">Register for MOPOLO\'s free CreditTracker™ and receive your credit score instantly, every month! The best part - it won\'t affect your credit rating.</p>\r\n<p class=\"text-normal text-normal-black\">With MOPOLO\'s PropertyTracker™ you receive a free property evaluation every month! Recently upgraded or thinking about it? Let the app know and see the value adjust.</p>\r\n<p class=\"text-normal text-normal-black\">MOPOLO also comes with a Personal Inventory Tracker™ which lets you keep track of your belongings at your fingertips. Access live rates anytime, apply for a mortgage, personal loan or credit card with just a few clicks. This truly is an app like no other!</p>\r\n&nbsp;\r\n\r\n[embed]https://www.youtube.com/watch?v=R4btuWFug5w&t=2s[/embed]\r\n<div id=\"skills\" class=\"text-center _mPS2id-t mPS2id-target mPS2id-target-first mPS2id-target-last\">\r\n<div class=\"container\">\r\n<div class=\"row\">\r\n<div class=\"col-md-8\">\r\n<h2 class=\"title-size47 text-normal-white\">Mortgage Calculators<span class=\"line-break\"> On The Go!</span></h2>\r\n<h3 class=\"apply-mortgage title-size24 line-height37 padding35 text-normal-white padding-bottom0\">MOPOLO comes equipped with an affordability Calculator and a Payment Calculator that you can use anywhere. Enter the details to see how much you can afford or what your payment will be. Looking at multiple options? You can email the results of each calculation.</h3>\r\n<div class=\"container button-section\"></div>\r\n<h2 class=\"title-size47 text-normal-white\">Download MOPOLO:</h2>\r\n<h2 class=\"title-size47 text-normal-white\"><img class=\"img-responsive center icons\" title=\"Get MOPOLO\" src=\"http://mopolo.ca/img/icons.png\" /></h2>\r\n[gdlr_button href=\"http://www.goodlayers.com\" target=\"_self\" size=\"medium\" background=\"#000000\" color=\"#ffffff\"]Click Me[/gdlr_button]\r\n[gdlr_button href=\"http://www.goodlayers.com\" target=\"_self\" size=\"medium\" background=\"#000000\" color=\"#ffffff\" border_color=\"#999999\"]Click Me[/gdlr_button]\r\n\r\n</div>\r\n</div>\r\n</div>\r\n</div>','','','inherit','closed','closed','','5155-revision-v1','','','2017-04-04 00:12:57','2017-04-04 00:12:57','',5155,'https://www.stevewhitemortgages.ca/\'/2017/04/04/5155-revision-v1/\'',0,'revision','',0),(5162,1,'2017-04-04 00:13:48','2017-04-04 00:13:48','<h2 class=\"title text-normal-black padding_top24\">An app like no other!</h2>\r\n<h3 class=\"text-medium\">Find out what your property is worth &amp; get your updated credit score every month for FREE with MOPOLO’s PropertyTracker™ and CreditTracker™</h3>\r\n<p class=\"text-normal text-normal-black\">Register for MOPOLO\'s free CreditTracker™ and receive your credit score instantly, every month! The best part - it won\'t affect your credit rating.</p>\r\n<p class=\"text-normal text-normal-black\">With MOPOLO\'s PropertyTracker™ you receive a free property evaluation every month! Recently upgraded or thinking about it? Let the app know and see the value adjust.</p>\r\n<p class=\"text-normal text-normal-black\">MOPOLO also comes with a Personal Inventory Tracker™ which lets you keep track of your belongings at your fingertips. Access live rates anytime, apply for a mortgage, personal loan or credit card with just a few clicks. This truly is an app like no other!</p>\r\n&nbsp;\r\n\r\n[embed]https://www.youtube.com/watch?v=R4btuWFug5w&t=2s[/embed]\r\n<div id=\"skills\" class=\"text-center _mPS2id-t mPS2id-target mPS2id-target-first mPS2id-target-last\">\r\n<div class=\"container\">\r\n<div class=\"row\">\r\n<div class=\"col-md-8\">\r\n<h2 class=\"title-size47 text-normal-white\">Mortgage Calculators<span class=\"line-break\"> On The Go!</span></h2>\r\n<h3 class=\"apply-mortgage title-size24 line-height37 padding35 text-normal-white padding-bottom0\">MOPOLO comes equipped with an affordability Calculator and a Payment Calculator that you can use anywhere. Enter the details to see how much you can afford or what your payment will be. Looking at multiple options? You can email the results of each calculation.</h3>\r\n<div class=\"container button-section\"></div>\r\n<h2 class=\"title-size47 text-normal-white\">Download MOPOLO:</h2>\r\n<h2 class=\"title-size47 text-normal-white\"><img class=\"img-responsive center icons\" title=\"Get MOPOLO\" src=\"http://mopolo.ca/img/icons.png\" /></h2>\r\n[gdlr_button href=\"https://itunes.apple.com/ca/app/mopolo/id964888705?mt=8\" target=\"_self\" size=\"medium\" background=\"#000000\" color=\"#ffffff\"]iPhone[/gdlr_button]\r\n\r\n[gdlr_button href=\"https://itunes.apple.com/ca/app/mopolo/id964888705?mt=8\" target=\"_self\" size=\"medium\" background=\"#000000\" color=\"#ffffff\"]iPhone[/gdlr_button]\r\n\r\n[gdlr_button href=\"https://itunes.apple.com/ca/app/mopolo/id964888705?mt=8\" target=\"_self\" size=\"medium\" background=\"#000000\" color=\"#ffffff\"]iPhone[/gdlr_button]\r\n\r\n</div>\r\n</div>\r\n</div>\r\n</div>','','','inherit','closed','closed','','5155-revision-v1','','','2017-04-04 00:13:48','2017-04-04 00:13:48','',5155,'https://www.stevewhitemortgages.ca/\'/2017/04/04/5155-revision-v1/\'',0,'revision','',0),(5163,1,'2017-04-04 00:15:11','2017-04-04 00:15:11','<h2 class=\"title text-normal-black padding_top24\">An app like no other!</h2>\r\n<h3 class=\"text-medium\">Find out what your property is worth &amp; get your updated credit score every month for FREE with MOPOLO’s PropertyTracker™ and CreditTracker™</h3>\r\n<p class=\"text-normal text-normal-black\">Register for MOPOLO\'s free CreditTracker™ and receive your credit score instantly, every month! The best part - it won\'t affect your credit rating.</p>\r\n<p class=\"text-normal text-normal-black\">With MOPOLO\'s PropertyTracker™ you receive a free property evaluation every month! Recently upgraded or thinking about it? Let the app know and see the value adjust.</p>\r\n<p class=\"text-normal text-normal-black\">MOPOLO also comes with a Personal Inventory Tracker™ which lets you keep track of your belongings at your fingertips. Access live rates anytime, apply for a mortgage, personal loan or credit card with just a few clicks. This truly is an app like no other!</p>\r\n&nbsp;\r\n\r\n[embed]https://www.youtube.com/watch?v=R4btuWFug5w&t=2s[/embed]\r\n<div id=\"skills\" class=\"text-center _mPS2id-t mPS2id-target mPS2id-target-first mPS2id-target-last\">\r\n<div class=\"container\">\r\n<div class=\"row\">\r\n<div class=\"col-md-8\">\r\n<h2 class=\"title-size47 text-normal-white\">Mortgage Calculators<span class=\"line-break\"> On The Go!</span></h2>\r\n<h4 class=\"apply-mortgage title-size24 line-height37 padding35 text-normal-white padding-bottom0\">MOPOLO comes equipped with an affordability Calculator and a Payment Calculator that you can use anywhere. Enter the details to see how much you can afford or what your payment will be. Looking at multiple options? You can email the results of each calculation.</h4>\r\n<div class=\"container button-section\"></div>\r\n<h2 class=\"title-size47 text-normal-white\" style=\"text-align: center;\">Download MOPOLO:</h2>\r\n<h2 class=\"title-size47 text-normal-white\" style=\"text-align: center;\"><img class=\"img-responsive center icons\" title=\"Get MOPOLO\" src=\"http://mopolo.ca/img/icons.png\" /></h2>\r\n<p style=\"text-align: center;\">[gdlr_button href=\"https://itunes.apple.com/ca/app/mopolo/id964888705?mt=8\" target=\"_self\" size=\"medium\" background=\"#000000\" color=\"#ffffff\"]iPhone[/gdlr_button]</p>\r\n<p style=\"text-align: center;\">[gdlr_button href=\"https://play.google.com/store/apps/details?id=com.mortgagealliance.TMACC\" target=\"_self\" size=\"medium\" background=\"#000000\" color=\"#ffffff\"]Android[/gdlr_button]</p>\r\n<p style=\"text-align: center;\">[gdlr_button href=\"https://www.amazon.com/Mortgage-Alliance-MOPOLO/dp/B015TA2WOW\" target=\"_self\" size=\"medium\" background=\"#000000\" color=\"#ffffff\"]Blackberry[/gdlr_button]</p>\r\n\r\n</div>\r\n</div>\r\n</div>\r\n</div>','','','inherit','closed','closed','','5155-revision-v1','','','2017-04-04 00:15:11','2017-04-04 00:15:11','',5155,'https://www.stevewhitemortgages.ca/\'/2017/04/04/5155-revision-v1/\'',0,'revision','',0),(5164,1,'2017-04-04 00:17:22','2017-04-04 00:17:22','<h2 class=\"title text-normal-black padding_top24\" style=\"text-align: center;\">An app like no other!</h2>\r\n<h3 class=\"text-medium\">Find out what your property is worth &amp; get your updated credit score every month for FREE with MOPOLO’s PropertyTracker™ and CreditTracker™</h3>\r\n<p class=\"text-normal text-normal-black\">Register for MOPOLO\'s free CreditTracker™ and receive your credit score instantly, every month! The best part - it won\'t affect your credit rating.</p>\r\n<p class=\"text-normal text-normal-black\">With MOPOLO\'s PropertyTracker™ you receive a free property evaluation every month! Recently upgraded or thinking about it? Let the app know and see the value adjust.</p>\r\n<p class=\"text-normal text-normal-black\">MOPOLO also comes with a Personal Inventory Tracker™ which lets you keep track of your belongings at your fingertips. Access live rates anytime, apply for a mortgage, personal loan or credit card with just a few clicks. This truly is an app like no other!</p>\r\n&nbsp;\r\n\r\n[embed]https://www.youtube.com/watch?v=R4btuWFug5w&t=2s[/embed]\r\n<div id=\"skills\" class=\"text-center _mPS2id-t mPS2id-target mPS2id-target-first mPS2id-target-last\">\r\n<div class=\"container\">\r\n<div class=\"row\">\r\n<div class=\"col-md-8\">\r\n<h2 class=\"title-size47 text-normal-white\" style=\"text-align: center;\">Mortgage Calculators<span class=\"line-break\"> On The Go!</span></h2>\r\n<p class=\"apply-mortgage title-size24 line-height37 padding35 text-normal-white padding-bottom0\">MOPOLO comes equipped with an affordability Calculator and a Payment Calculator that you can use anywhere. Enter the details to see how much you can afford or what your payment will be. Looking at multiple options? You can email the results of each calculation.</p>\r\n\r\n<div class=\"container button-section\"></div>\r\n<h2 class=\"title-size47 text-normal-white\" style=\"text-align: center;\">Download MOPOLO:</h2>\r\n<h2 class=\"title-size47 text-normal-white\" style=\"text-align: center;\"><img class=\"img-responsive center icons\" title=\"Get MOPOLO\" src=\"http://mopolo.ca/img/icons.png\" /></h2>\r\n<p style=\"text-align: center;\">[gdlr_button href=\"https://itunes.apple.com/ca/app/mopolo/id964888705?mt=8\" target=\"_self\" size=\"medium\" background=\"#000000\" color=\"#ffffff\"]iPhone[/gdlr_button]</p>\r\n<p style=\"text-align: center;\">[gdlr_button href=\"https://play.google.com/store/apps/details?id=com.mortgagealliance.TMACC\" target=\"_self\" size=\"medium\" background=\"#000000\" color=\"#ffffff\"]Android[/gdlr_button]</p>\r\n<p style=\"text-align: center;\">[gdlr_button href=\"https://www.amazon.com/Mortgage-Alliance-MOPOLO/dp/B015TA2WOW\" target=\"_self\" size=\"medium\" background=\"#000000\" color=\"#ffffff\"]Blackberry[/gdlr_button]</p>\r\n\r\n</div>\r\n</div>\r\n</div>\r\n</div>','Our new Mortgage App is ready!','','inherit','closed','closed','','5155-revision-v1','','','2017-04-04 00:17:22','2017-04-04 00:17:22','',5155,'https://www.stevewhitemortgages.ca/\'/2017/04/04/5155-revision-v1/\'',0,'revision','',0),(5165,1,'2017-04-04 00:18:46','2017-04-04 00:18:46','','mopolo-phone-image','','inherit','open','closed','','mopolo-phone-image','','','2017-04-04 00:18:46','2017-04-04 00:18:46','',5155,'https://www.stevewhitemortgages.ca/wp-content/uploads/2017/04/mopolo-phone-image.png',0,'attachment','image/png',0),(5174,1,'2017-04-04 00:25:13','2017-04-04 00:25:13','','Blog 3 Columns','','inherit','closed','closed','','878-autosave-v1','','','2017-04-04 00:25:13','2017-04-04 00:25:13','',878,'https://www.stevewhitemortgages.ca/2017/04/878-autosave-v1/',0,'revision','',0),(5175,1,'2017-04-04 00:28:16','2017-04-04 00:28:16','','Blog 4 Columns - 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Cupped hands asking for something.','inherit','closed','closed','','cupped-hands-3','','','2017-05-11 16:39:29','2017-05-11 16:39:29','',0,'https://www.stevewhitemortgages.ca/wp-content/uploads/2017/05/charityslider.jpg',0,'attachment','image/jpeg',0),(5248,1,'2017-05-11 16:45:22','2017-05-11 16:45:22','','charity','mortgage application charity','inherit','closed','closed','','cupped-hands-4','','','2017-06-08 14:13:15','2017-06-08 14:13:15','',0,'https://www.stevewhitemortgages.ca/wp-content/uploads/2017/05/charityslider-1.jpg',0,'attachment','image/jpeg',0),(5249,1,'2017-05-11 16:56:21','2017-05-11 16:56:21','','mopoloslider2','','inherit','closed','closed','','mopoloslider2','','','2017-06-08 14:13:03','2017-06-08 14:13:03','',0,'https://www.stevewhitemortgages.ca/wp-content/uploads/2017/05/mopoloslider2.jpg',0,'attachment','image/jpeg',0),(5250,1,'2017-05-12 01:34:35','2017-05-12 01:34:35','{\n    \"site_icon\": {\n        \"value\": 5252,\n        \"type\": \"option\",\n        \"user_id\": 1\n    }\n}','','','publish','closed','closed','','effce20c-b2b5-476e-bdb8-85ac0a597f4f','','','2017-05-12 01:34:35','2017-05-12 01:34:35','',0,'https://www.stevewhitemortgages.ca/?p=5250',0,'customize_changeset','',0),(5251,1,'2017-05-12 01:34:05','2017-05-12 01:34:05','mortgage alliance logo','allianceavitar','mortgage alliance logo','inherit','closed','closed','','allianceavitar','','','2017-05-12 01:34:27','2017-05-12 01:34:27','',0,'https://www.stevewhitemortgages.ca/wp-content/uploads/2017/05/allianceavitar.jpg',0,'attachment','image/jpeg',0),(5252,1,'2017-05-12 01:34:30','2017-05-12 01:34:30','https://www.stevewhitemortgages.ca/wp-content/uploads/2017/05/cropped-allianceavitar.jpg','cropped-allianceavitar.jpg','','inherit','closed','closed','','cropped-allianceavitar-jpg','','','2017-06-08 14:10:43','2017-06-08 14:10:43','',0,'https://www.stevewhitemortgages.ca/wp-content/uploads/2017/05/cropped-allianceavitar.jpg',0,'attachment','image/jpeg',0),(5253,1,'2017-05-12 01:35:11','2017-05-12 01:35:11','{\n    \"blogname\": {\n        \"value\": \"Steve White | Mortgage Alliance\",\n        \"type\": \"option\",\n        \"user_id\": 1\n    }\n}','','','publish','closed','closed','','f3d76b7c-09c9-447a-b221-1bd36730a2ca','','','2017-05-12 01:35:11','2017-05-12 01:35:11','',0,'https://www.stevewhitemortgages.ca/2017/05/f3d76b7c-09c9-447a-b221-1bd36730a2ca/',0,'customize_changeset','',0),(5254,1,'2017-05-12 01:41:19','2017-05-12 01:41:19','steve white logo mortgage alliance','SWMAClogo','Steve White mortgage agent alliance logo','inherit','closed','closed','','swmaclogo','','','2017-05-12 01:41:51','2017-05-12 01:41:51','',0,'https://www.stevewhitemortgages.ca/wp-content/uploads/2017/05/SWMAClogo.png',0,'attachment','image/png',0),(5255,1,'2017-05-12 01:47:43','2017-05-12 01:47:43','','SWMAClogo2','','inherit','closed','closed','','swmaclogo2','','','2017-06-08 14:10:26','2017-06-08 14:10:26','',0,'https://www.stevewhitemortgages.ca/wp-content/uploads/2017/05/SWMAClogo2.png',0,'attachment','image/png',0),(5256,1,'2017-05-12 01:49:03','2017-05-12 01:49:03','Steve White mortgage agent mortgage broker alliance logo','SWMAClogo3','Steve White mortgage agent mortgage broker alliance logo','inherit','closed','closed','','swmaclogo3','','','2017-05-12 01:49:19','2017-05-12 01:49:19','',0,'https://www.stevewhitemortgages.ca/wp-content/uploads/2017/05/SWMAClogo3.png',0,'attachment','image/png',0),(5257,1,'2017-05-12 01:51:44','2017-05-12 01:51:44','Steve White mortgage agent mortgage broker alliance logo','SWMAClogo4','Steve White mortgage agent mortgage broker alliance logo','inherit','closed','closed','','swmaclogo4','','','2017-05-12 01:51:49','2017-05-12 01:51:49','',0,'https://www.stevewhitemortgages.ca/wp-content/uploads/2017/05/SWMAClogo4.png',0,'attachment','image/png',0),(5258,1,'2017-05-12 02:18:48','2017-05-12 02:18:48','We\'ve seen quite a large increase in property values in most markets throughout Ontario. This has increased the net worth of many homeowners who are looking for smart ways to take advantage of this hot market.\r\n\r\nThe equity of your home is the difference between the amount left on your mortgage and the value of your house. Since your house has likely increased noticeably in value recently then you’ve probably seen a good amount of new equity in your house.\r\n\r\nSelling your house is one way to cash in on the equity, but this involves all the fees and costs of selling and moving; it is common for empty nesters to move from a house worth perhaps $1.2 million and move a couple hours away and buy a house for $300,000. This give them a considerable amount of cash on hand to live off and invest for many years.\r\n\r\nIf you\'re not interested in moving, there are other things you can do with the equity, such as getting a Home Equity Line of Credit or even refinancing your existing mortgage. Here are some other smart ways to make the most of your equity.\r\n<p style=\"padding-left: 30px;\"><strong>1. Renovating your home</strong></p>\r\nRenovating is one of the most popular reasons a home owner cashes in some equity. This is essentially a way to get your house to invest in itself. Renovating your home through equity is also a smart move because it makes the home more valuable, thus creating even more equity. A line of credit is a smart move for renovations because allows you to only take out the money you need when you need it, rather than one lump sum, which makes it easier to only borrow and pay interest on what you need.\r\n<p style=\"padding-left: 30px;\"><strong>2. Paying Debt</strong></p>\r\nUsing the equity on your home to pay off other debts is a smarter move than it sounds. Refinancing your mortgage allows you pay off an unsecured loan and potentially save you a lot of money in the long run. These unsecured loans, which aren’t tied to a particular asset, tend to have very high interest rates. The money you take out in equity can be repaid at a much fairer interest rate. The only problem is that you might find yourself taking on more unsecured debt. Paying your debts with equity should only be considered if you’ve brought your spending under control and know you won’t just find yourself in more debt.\r\n<p style=\"padding-left: 30px;\"><strong>3. Education</strong></p>\r\nUsing the equity of your home can be a good idea if you need to pay to get a professional certificate or degree and advance your career. It’s an especially good idea if you open yourself up to more potential jobs and a higher earning potential after getting your degree. Even if you\'re not looking to go back to school yourself, paying for a child\'s education with equity is one of the cheapest ways to cover college or university if you haven\'t been saving in an RESP since they were young.\r\n<p style=\"padding-left: 30px;\"><strong>4. Buy an Investment Property</strong></p>\r\nPlenty of regular people get their start in property investing by investing in another property using the equity of their existing home. With a solid plan to buy a nice property nearby, rent to nice, but carefully screened tenants, and ensure your rents cover you expenses you can significantly build your wealth with minimal effort. It\'s best to avoid using equity for higher risk investments such as time shares or land investments unless you really know what you\'re doing.\r\n\r\nDon\'t make it too complicated - buying one other income property and managing it well will add hundreds of thousands of dollars to your retirement and quickly pay back the equity on your own home.\r\n<p style=\"padding-left: 30px;\"><strong>5. Buy an Recreation Property</strong></p>\r\nShifting some of the equity from your home into a cottage or recreation property can be a great investment. You\'ll need to ensure that you can cover the new costs of owning a second property, but after years of great family vacations and making mortgage payments you\'ll have built up good equity in this property as well.\r\n\r\nNo matter how you choose to invest your equity, it’s important to remember that it isn’t some kind of free money. This is a loan that will need to be paid back. It should only be used for improvements and appreciating assets like additional property or education. Taking equity on your home and using it for a vacation, a boat or to enjoy more day-to-day expenses is just asking for trouble.\r\n\r\n&nbsp;\r\n\r\n<em>If you\'d like to discuss more about smart ways to use your equity, please reach out by phone or email - <strong>905.903.4799</strong> and <strong>SWhite@MortgageAlliance.com</strong></em>','How to Be Smart With Your Home Equity','','publish','closed','open','','how-to-be-smart-with-your-home-equity','','','2017-05-12 20:17:01','2017-05-12 20:17:01','',0,'https://www.stevewhitemortgages.ca/?p=5258',0,'post','',0),(5259,1,'2017-05-12 02:06:59','2017-05-12 02:06:59','We\'ve seen quite a large increase in property values in most markets throughout Ontario. This has increased the net worth of many homeowners who are looking for smart ways to take advantage of this hot market.\r\n\r\nThe equity of your home is the difference between the amount left on your mortgage and the value of your house. Since your house has likely increased noticeably in value recently then you’ve probably seen a good amount of new equity in your house.\r\n\r\nSelling your house is one way to cash in on the equity, but this involves all the fees and costs of selling and moving; it is common for empty nesters to move from a house worth perhaps $1.2 million and move a couple hours away and buy a house for $300,000. This give them a considerable amount of cash on hand to live off and invest for many years.\r\n\r\nIf you\'re not interested in moving, there are other things you can do with the equity, such as getting a Home Equity Line of Credit or even refinancing your existing mortgage. Here are some other smart ways to make the most of your equity.\r\n\r\nRenovating your home\r\n\r\nRenovating is one of the most popular reasons a home owner cashes in some equity. This is essentially a way to get your house to invest in itself. Renovating your home through equity is also a smart move because it makes the home more valuable, thus creating even more equity. A line of credit is a smart move for renovations because allows you to only take out the money you need when you need it, rather than one lump sum, which makes it easier to only borrow and pay interest on what you need.\r\n\r\nPaying Debt\r\n\r\nUsing the equity on your home to pay off other debts is a smarter move than it sounds. Refinancing your mortgage allows you pay off an unsecured loan and potentially save you a lot of money in the long run. These unsecured loans, which aren’t tied to a particular asset, tend to have very high interest rates. The money you take out in equity can be repaid at a much fairer interest rate. The only problem is that you might find yourself taking on more unsecured debt. Paying your debts with equity should only be considered if you’ve brought your spending under control and know you won’t just find yourself in more debt.\r\n\r\nEducation\r\n\r\nUsing the equity of your home can be a good idea if you need to pay to get a professional certificate or degree and advance your career. It’s an especially good idea if you open yourself up to more potential jobs and a higher earning potential after getting your degree. Even if you\'re not looking to go back to school yourself, paying for a child\'s education with equity is one of the cheapest ways to cover college or university if you haven\'t been saving in an RESP since they were young.\r\n\r\nBuy an Investment Property\r\n\r\nPlenty of regular people get their start in property investing by investing in another property using the equity of their existing home. With a solid plan to buy a rental property nearby and hire property management to handle any issues and screen tenants, you can significantly build your wealth with little effort. It\'s best to avoid using equity for higher risk investments such as time shares or land investments unless you really know what you\'re doing.\r\n\r\nDon\'t make it too complicated - buying one other income property and managing it well will add hundreds of thousands of dollars to your retirement and quickly pay back the equity on your own home.\r\n\r\nBuy an Investment Property\r\n\r\n&nbsp;\r\n\r\n&nbsp;\r\n\r\nNo matter how you choose to invest your equity, it’s important to remember that it isn’t some kind of free money. This is money that will need to be paid back. It should only be used for things that will be of benefit in the long run. You can even lose your home if you take out a loan on it and then don’t make the repayments in time. It’s also important to avoid drawing too much equity. It should be considered a safety net you can use to protect yourself from downturns in the value of your property or in case of an emergency. It can be great if you use it properly, so just ensure you come up with a solid plan to pay it back. Taking equity on your home and using it for a vacation or to take care of the day-to-day expenses is just asking for trouble.','How to Be Smart With Your Home Equity','','inherit','closed','closed','','5258-revision-v1','','','2017-05-12 02:06:59','2017-05-12 02:06:59','',5258,'https://www.stevewhitemortgages.ca/2017/05/5258-revision-v1/',0,'revision','',0),(5260,1,'2017-05-12 02:15:56','2017-05-12 02:15:56','home equity mortgage refinance home equity loan','home equity mortgage','use your home equity to build your wealth and retirement','inherit','closed','closed','','senior-couple-next-to-the-window','','','2017-05-12 02:16:56','2017-05-12 02:16:56','',5258,'https://www.stevewhitemortgages.ca/wp-content/uploads/2017/05/GettyImages-478529326.jpg',0,'attachment','image/jpeg',0),(5261,1,'2017-05-12 02:17:02','2017-05-12 02:17:02','We\'ve seen quite a large increase in property values in most markets throughout Ontario. This has increased the net worth of many homeowners who are looking for smart ways to take advantage of this hot market.\r\n\r\nThe equity of your home is the difference between the amount left on your mortgage and the value of your house. Since your house has likely increased noticeably in value recently then you’ve probably seen a good amount of new equity in your house.\r\n\r\nSelling your house is one way to cash in on the equity, but this involves all the fees and costs of selling and moving; it is common for empty nesters to move from a house worth perhaps $1.2 million and move a couple hours away and buy a house for $300,000. This give them a considerable amount of cash on hand to live off and invest for many years.\r\n\r\nIf you\'re not interested in moving, there are other things you can do with the equity, such as getting a Home Equity Line of Credit or even refinancing your existing mortgage. Here are some other smart ways to make the most of your equity.\r\n<p style=\"padding-left: 30px;\">1. Renovating your home</p>\r\nRenovating is one of the most popular reasons a home owner cashes in some equity. This is essentially a way to get your house to invest in itself. Renovating your home through equity is also a smart move because it makes the home more valuable, thus creating even more equity. A line of credit is a smart move for renovations because allows you to only take out the money you need when you need it, rather than one lump sum, which makes it easier to only borrow and pay interest on what you need.\r\n<p style=\"padding-left: 30px;\">2. Paying Debt</p>\r\nUsing the equity on your home to pay off other debts is a smarter move than it sounds. Refinancing your mortgage allows you pay off an unsecured loan and potentially save you a lot of money in the long run. These unsecured loans, which aren’t tied to a particular asset, tend to have very high interest rates. The money you take out in equity can be repaid at a much fairer interest rate. The only problem is that you might find yourself taking on more unsecured debt. Paying your debts with equity should only be considered if you’ve brought your spending under control and know you won’t just find yourself in more debt.\r\n<p style=\"padding-left: 30px;\">3. Education</p>\r\nUsing the equity of your home can be a good idea if you need to pay to get a professional certificate or degree and advance your career. It’s an especially good idea if you open yourself up to more potential jobs and a higher earning potential after getting your degree. Even if you\'re not looking to go back to school yourself, paying for a child\'s education with equity is one of the cheapest ways to cover college or university if you haven\'t been saving in an RESP since they were young.\r\n<p style=\"padding-left: 30px;\">4. Buy an Investment Property</p>\r\nPlenty of regular people get their start in property investing by investing in another property using the equity of their existing home. With a solid plan to buy a nice property nearby, rent to nice, but carefully screened tenants, and ensure your rents cover you expenses you can significantly build your wealth with minimal effort. It\'s best to avoid using equity for higher risk investments such as time shares or land investments unless you really know what you\'re doing.\r\n\r\nDon\'t make it too complicated - buying one other income property and managing it well will add hundreds of thousands of dollars to your retirement and quickly pay back the equity on your own home.\r\n\r\n5. Buy an Recreation Property\r\n\r\nShifting some of the equity from your home into a cottage or recreation property can be a great investment. You\'ll need to ensure that you can cover the new costs of owning a second property, but after years of great family vacations and making mortgage payments you\'ll have built up good equity in this property as well.\r\n\r\nNo matter how you choose to invest your equity, it’s important to remember that it isn’t some kind of free money. This is a loan that will need to be paid back. It should only be used for improvements and appreciating assets like additional property or education. Taking equity on your home and using it for a vacation, a boat or to enjoy more day-to-day expenses is just asking for trouble.\r\n\r\nIf you\'d like to discuss more about smart ways to use your equity, please reach out by phone or email - 905.903.4799 and SWhite@MortgageAlliance.com','How to Be Smart With Your Home Equity','','inherit','closed','closed','','5258-revision-v1','','','2017-05-12 02:17:02','2017-05-12 02:17:02','',5258,'https://www.stevewhitemortgages.ca/2017/05/5258-revision-v1/',0,'revision','',0),(5262,1,'2017-05-12 02:18:16','2017-05-12 02:18:16','We\'ve seen quite a large increase in property values in most markets throughout Ontario. This has increased the net worth of many homeowners who are looking for smart ways to take advantage of this hot market.\r\n\r\nThe equity of your home is the difference between the amount left on your mortgage and the value of your house. Since your house has likely increased noticeably in value recently then you’ve probably seen a good amount of new equity in your house.\r\n\r\nSelling your house is one way to cash in on the equity, but this involves all the fees and costs of selling and moving; it is common for empty nesters to move from a house worth perhaps $1.2 million and move a couple hours away and buy a house for $300,000. This give them a considerable amount of cash on hand to live off and invest for many years.\r\n\r\nIf you\'re not interested in moving, there are other things you can do with the equity, such as getting a Home Equity Line of Credit or even refinancing your existing mortgage. Here are some other smart ways to make the most of your equity.\r\n<p style=\"padding-left: 30px;\"><strong>1. Renovating your home</strong></p>\r\nRenovating is one of the most popular reasons a home owner cashes in some equity. This is essentially a way to get your house to invest in itself. Renovating your home through equity is also a smart move because it makes the home more valuable, thus creating even more equity. A line of credit is a smart move for renovations because allows you to only take out the money you need when you need it, rather than one lump sum, which makes it easier to only borrow and pay interest on what you need.\r\n<p style=\"padding-left: 30px;\"><strong>2. Paying Debt</strong></p>\r\nUsing the equity on your home to pay off other debts is a smarter move than it sounds. Refinancing your mortgage allows you pay off an unsecured loan and potentially save you a lot of money in the long run. These unsecured loans, which aren’t tied to a particular asset, tend to have very high interest rates. The money you take out in equity can be repaid at a much fairer interest rate. The only problem is that you might find yourself taking on more unsecured debt. Paying your debts with equity should only be considered if you’ve brought your spending under control and know you won’t just find yourself in more debt.\r\n<p style=\"padding-left: 30px;\"><strong>3. Education</strong></p>\r\nUsing the equity of your home can be a good idea if you need to pay to get a professional certificate or degree and advance your career. It’s an especially good idea if you open yourself up to more potential jobs and a higher earning potential after getting your degree. Even if you\'re not looking to go back to school yourself, paying for a child\'s education with equity is one of the cheapest ways to cover college or university if you haven\'t been saving in an RESP since they were young.\r\n<p style=\"padding-left: 30px;\"><strong>4. Buy an Investment Property</strong></p>\r\nPlenty of regular people get their start in property investing by investing in another property using the equity of their existing home. With a solid plan to buy a nice property nearby, rent to nice, but carefully screened tenants, and ensure your rents cover you expenses you can significantly build your wealth with minimal effort. It\'s best to avoid using equity for higher risk investments such as time shares or land investments unless you really know what you\'re doing.\r\n\r\nDon\'t make it too complicated - buying one other income property and managing it well will add hundreds of thousands of dollars to your retirement and quickly pay back the equity on your own home.\r\n<p style=\"padding-left: 30px;\"><strong>5. Buy an Recreation Property</strong></p>\r\nShifting some of the equity from your home into a cottage or recreation property can be a great investment. You\'ll need to ensure that you can cover the new costs of owning a second property, but after years of great family vacations and making mortgage payments you\'ll have built up good equity in this property as well.\r\n\r\nNo matter how you choose to invest your equity, it’s important to remember that it isn’t some kind of free money. This is a loan that will need to be paid back. It should only be used for improvements and appreciating assets like additional property or education. Taking equity on your home and using it for a vacation, a boat or to enjoy more day-to-day expenses is just asking for trouble.\r\n\r\n&nbsp;\r\n\r\n<em>If you\'d like to discuss more about smart ways to use your equity, please reach out by phone or email - <strong>905.903.4799</strong> and <strong>SWhite@MortgageAlliance.com</strong></em>','How to Be Smart With Your Home Equity','','inherit','closed','closed','','5258-revision-v1','','','2017-05-12 02:18:16','2017-05-12 02:18:16','',5258,'https://www.stevewhitemortgages.ca/2017/05/5258-revision-v1/',0,'revision','',0),(5263,1,'2017-05-12 02:21:36','2017-05-12 02:21:36','<h2 class=\"title text-normal-black padding_top24\" style=\"text-align: center;\">An app like no other!</h2>\r\n<h3 class=\"text-medium\">Find out what your property is worth &amp; get your updated credit score every month for FREE with MOPOLO’s PropertyTracker™ and CreditTracker™</h3>\r\n<p class=\"text-normal text-normal-black\">Register for MOPOLO\'s free CreditTracker™ and receive your credit score instantly, every month! The best part - it won\'t affect your credit rating.</p>\r\n<p class=\"text-normal text-normal-black\">With MOPOLO\'s PropertyTracker™ you receive a free property evaluation every month! Recently upgraded or thinking about it? Let the app know and see the value adjust.</p>\r\n<p class=\"text-normal text-normal-black\">MOPOLO also comes with a Personal Inventory Tracker™ which lets you keep track of your belongings at your fingertips. Access live rates anytime, apply for a mortgage, personal loan or credit card with just a few clicks. This truly is an app like no other!</p>\r\n&nbsp;\r\n\r\n[embed]https://www.youtube.com/watch?v=R4btuWFug5w&t=2s[/embed]\r\n<div id=\"skills\" class=\"text-center _mPS2id-t mPS2id-target mPS2id-target-first mPS2id-target-last\">\r\n<div class=\"container\">\r\n<div class=\"row\">\r\n<div class=\"col-md-8\">\r\n<h2 class=\"title-size47 text-normal-white\" style=\"text-align: center;\">Mortgage Calculators<span class=\"line-break\"> On The Go!</span></h2>\r\n<p class=\"apply-mortgage title-size24 line-height37 padding35 text-normal-white padding-bottom0\">MOPOLO comes equipped with an affordability Calculator and a Payment Calculator that you can use anywhere. Enter the details to see how much you can afford or what your payment will be. Looking at multiple options? You can email the results of each calculation.</p>\r\n\r\n<div class=\"container button-section\"></div>\r\n<h2 class=\"title-size47 text-normal-white\" style=\"text-align: center;\">Download MOPOLO:</h2>\r\n<h2 class=\"title-size47 text-normal-white\" style=\"text-align: center;\"><img class=\"img-responsive center icons\" title=\"Get MOPOLO\" src=\"http://mopolo.ca/img/icons.png\" /></h2>\r\n<p style=\"text-align: center;\">[gdlr_button href=\"https://itunes.apple.com/ca/app/mopolo/id964888705?mt=8\" target=\"_self\" size=\"medium\" background=\"#000000\" color=\"#ffffff\"]iPhone[/gdlr_button]</p>\r\n<p style=\"text-align: center;\">[gdlr_button href=\"https://play.google.com/store/apps/details?id=com.mortgagealliance.TMACC\" target=\"_self\" size=\"medium\" background=\"#000000\" color=\"#ffffff\"]Android[/gdlr_button]</p>\r\n<p style=\"text-align: center;\">[gdlr_button href=\"https://www.amazon.com/Mortgage-Alliance-MOPOLO/dp/B015TA2WOW\" target=\"_self\" size=\"medium\" background=\"#000000\" color=\"#ffffff\"]Blackberry[/gdlr_button]</p>\r\n\r\n</div>\r\n</div>\r\n</div>\r\n</div>','Our new Mortgage App is ready!','','inherit','closed','closed','','5155-autosave-v1','','','2017-05-12 02:21:36','2017-05-12 02:21:36','',5155,'https://www.stevewhitemortgages.ca/2017/05/5155-autosave-v1/',0,'revision','',0),(5264,1,'2017-05-12 02:21:07','2017-05-12 02:21:07','mopolo mortgage credit check app','mopolo mortgage credit check app','mopolo mortgage credit check app','inherit','closed','closed','','mopolo-webimage-01','','','2017-05-12 02:21:32','2017-05-12 02:21:32','',5155,'https://www.stevewhitemortgages.ca/wp-content/uploads/2017/04/MOPOLO-WebImage-01.jpg',0,'attachment','image/jpeg',0),(5265,1,'2017-05-12 03:26:02','2017-05-12 03:26:02','&nbsp;\r\n\r\n<section class=\"main\">\r\n<div id=\"financial-tools\">\r\n<div id=\"aboutUs\"><section id=\"tools-overview-title-section\">\r\n<h5>Use this mortgage calculator Ontario to calculate what your monthly mortgage payments will be and generate an amortization schedule. You can also quickly see how much interest you will pay, and your principal balances.</h5>\r\n</section><section id=\"amortization-calculator-input\">\r\n<div class=\"calculatorGrayBox\" data-fh-impression=\"{&quot;section&quot;:&quot;AmortizationCalculatorInput&quot;,&quot;renderId&quot;:1930696002}\"><header>\r\n<h2>Mortgage Calculator</h2>\r\n</header><form>\r\n<div class=\"row-2 clearfix formList\">\r\n<div class=\"col-1-2\">\r\n\r\n&nbsp;\r\n<div class=\"inputType\"><b>1</b> Mortgage Amount</div>\r\n&nbsp;\r\n\r\n</div>\r\n<div class=\"col-1-2\">\r\n<div>\r\n<div>\r\n\r\n<input id=\"loanVal\" class=\"reg-input validatePositiveNumber pre-populated\" name=\"loanVal\" size=\"10\" type=\"text\" value=\"\" /><span class=\"postInput\">$</span>\r\n<div id=\"advice-loanVal\" class=\"validation-advice validation-failed\"></div>\r\n</div>\r\n</div>\r\n</div>\r\n</div>\r\n<div class=\"row-2 clearfix formList\">\r\n<div class=\"col-1-2\">\r\n\r\n<label for=\"rateVal\"><b>2</b> </label>\r\n<div class=\"inputType\">Interest Rate</div>\r\n&nbsp;\r\n\r\n</div>\r\n<div class=\"col-1-2\">\r\n<div>\r\n<div>\r\n\r\n<input id=\"rateVal\" class=\"reg-input validatePositiveNumber pre-populated\" name=\"rateVal\" size=\"10\" type=\"text\" value=\"\" /><span class=\"postInput\">%</span>\r\n<div id=\"advice-rateVal\" class=\"validation-advice validation-failed\"></div>\r\n</div>\r\n</div>\r\n</div>\r\n</div>\r\n<div class=\"row-2 clearfix formList\">\r\n<div class=\"col-1-2\">\r\n\r\n<label for=\"yearVal\"><b>3</b> </label>\r\n<div class=\"inputType\">Mortgage Length (25 and 30 years are most common)</div>\r\n&nbsp;\r\n\r\n</div>\r\n<div class=\"col-1-2\">\r\n<div>\r\n<div>\r\n\r\n<input id=\"yearVal\" class=\"reg-input validatePositiveNumber pre-populated\" name=\"yearVal\" size=\"10\" type=\"text\" value=\"\" />\r\n<div id=\"advice-yearVal\" class=\"validation-advice validation-failed\"></div>\r\n</div>\r\n</div>\r\n</div>\r\n</div>\r\n</form></div>\r\n</section><section class=\"calculatorSection\">\r\n<div id=\"amortization-calculator-output\" class=\"calculatorDetailBox\" data-fh-impression=\"{&quot;section&quot;:&quot;BaseCalculations&quot;,&quot;renderId&quot;:1984345888}\">\r\n<h2>Your Amortization Summary</h2>\r\n<h3>Base Calculations</h3>\r\n<div class=\"calculationsTable\">\r\n<table>\r\n<thead>\r\n<tr>\r\n<th style=\"color: #1774ad; font-weight: bold;\">Monthly\r\nPrincipal &amp; Interest</th>\r\n<th>Number of Payments</th>\r\n<th>Total Payments</th>\r\n<th class=\"monthlyPayments\">Original Mortgage</th>\r\n</tr>\r\n</thead>\r\n<tbody>\r\n<tr>\r\n<td id=\"colAmountBox\" data-label=\"Monthly Principal &amp; Interest\">—</td>\r\n<td id=\"colInterestBox\" data-label=\"Number of Payments\">—</td>\r\n<td id=\"colYearsBox\" data-label=\"Total Payments\">—</td>\r\n<td id=\"payVal\" class=\"monthlyPayments\" data-label=\"Original Mortgage Amount\">—</td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</div>\r\n</div>\r\n<div id=\"amortization-calculator-charts\" class=\"calculatorDetailBox\" data-fh-impression=\"{&quot;section&quot;:&quot;AdditionalAmortizationInformation&quot;,&quot;renderId&quot;:453871434}\">\r\n<h3>Additional amortization information</h3>\r\n<div class=\"toolsChart firstToolsChart\">\r\n<div id=\"amortizationChart\"><img src=\"https://www.stevewhitemortgages.ca/wp-content/themes/finanza/images/amortization.jpg\" alt=\"Amortization Chart\" />This chart illustrates how balances decrease over time for\r\na fixed rate mortgage.</div>\r\n</div>\r\n<div class=\"toolsChart secondToolsChart\">\r\n<div id=\"principalChart\"><img src=\"https://www.stevewhitemortgages.ca/wp-content/themes/finanza/images/principal.jpg\" alt=\"Principal Inactive Chart\" />This chart shows how payments are split between principal\r\nand interest payments over time.</div>\r\n</div>\r\n</div>\r\n</section><section id=\"amortization-calculator-details\" class=\"calculator-details \" data-fh-impression=\"{&quot;section&quot;:&quot;YourFullAmortizationSchedule&quot;,&quot;renderId&quot;:1211233021}\"><header>\r\n<h2>Your Full Amortization Schedule</h2>\r\n</header>\r\n<table class=\"loanOutputTable\">\r\n<tbody>\r\n<tr>\r\n<th>Month/Year</th>\r\n<th>Payment Amount</th>\r\n<th>Interest Paid</th>\r\n<th>Principal Paid</th>\r\n<th class=\"monthlyPayments\">Mortgage Balance</th>\r\n</tr>\r\n</tbody>\r\n</table>\r\n<div id=\"fullTableContainer\"></div>\r\n</section><section class=\"disclaimer\">The calculations presented in this mortgage calculator Ontario are approximate and for information purposes only. Actual payment amounts may differ and will be determined at the time of your application. Please do not rely solely on this information or result when making financial decisions; please speak with me directly to review your mortgage options.To make this calculation, a fixed interest rate over the entire amortization period is used. In reality I will renegotiate at the end of each mortgage term on your behalf; depending on the state of the economy and Bank of Canada lending rates, your mortgage rate will likely change.A minimum 5% down payment is required for a purchase price of $500,000 or less. For a purchase price between $500,000 and $1 million, the minimum down payment is 5% on the first $500,000 and 10% on the balance. Default insurance costs will apply. A home purchase price of greater than $1 million dollars is not eligible for mortgage default insurance and requires a minimum down payment of 20%.</section></div>\r\n<div class=\"clear\"></div>\r\n</div>\r\n</section>&nbsp;','Mortgage Calculator For Ontario with amortization schedule','','publish','closed','closed','','mortgage-calculator-ontario','','','2017-06-12 19:35:45','2017-06-12 19:35:45','',0,'https://www.stevewhitemortgages.ca/?page_id=5265',0,'page','',0),(5382,1,'2017-06-11 04:00:35','2017-06-11 04:00:35','&nbsp;\r\n\r\n<section class=\"main\">\r\n<div id=\"financial-tools\">\r\n<div id=\"aboutUs\"><section id=\"tools-overview-title-section\">\r\n<h5>Use this calculator to calculate what your monthly mortgage payments will be and generate an amortization schedule. You can also quickly see how much interest you will pay, and your principal balances.</h5>\r\n</section><section id=\"amortization-calculator-input\">\r\n<div class=\"calculatorGrayBox\" data-fh-impression=\"{&quot;section&quot;:&quot;AmortizationCalculatorInput&quot;,&quot;renderId&quot;:1930696002}\"><header>\r\n<h2>Mortgage Calculator</h2>\r\n</header><form>\r\n<div class=\"row-2 clearfix formList\">\r\n<div class=\"col-1-2\">\r\n\r\n&nbsp;\r\n<div class=\"inputType\"><b>1</b> Mortgage Amount</div>\r\n&nbsp;\r\n\r\n</div>\r\n<div class=\"col-1-2\">\r\n<div>\r\n<div>\r\n\r\n<input id=\"loanVal\" class=\"reg-input validatePositiveNumber pre-populated\" name=\"loanVal\" size=\"10\" type=\"text\" value=\"\" /><span class=\"postInput\">$</span>\r\n<div id=\"advice-loanVal\" class=\"validation-advice validation-failed\"></div>\r\n</div>\r\n</div>\r\n</div>\r\n</div>\r\n<div class=\"row-2 clearfix formList\">\r\n<div class=\"col-1-2\">\r\n\r\n<label for=\"rateVal\"><b>2</b> </label>\r\n<div class=\"inputType\">Interest Rate</div>\r\n&nbsp;\r\n\r\n</div>\r\n<div class=\"col-1-2\">\r\n<div>\r\n<div><input id=\"rateVal\" class=\"reg-input validatePositiveNumber pre-populated\" name=\"rateVal\" size=\"10\" type=\"text\" value=\"\" /><span class=\"postInput\">%</span>\r\n<div id=\"advice-rateVal\" class=\"validation-advice validation-failed\"></div>\r\n</div>\r\n</div>\r\n</div>\r\n</div>\r\n<div class=\"row-2 clearfix formList\">\r\n<div class=\"col-1-2\">\r\n\r\n<label for=\"yearVal\"><b>3</b> </label>\r\n<div class=\"inputType\">Mortgage Length (25 and 30 years are most common)</div>\r\n&nbsp;\r\n\r\n</div>\r\n<div class=\"col-1-2\">\r\n<div>\r\n<div>\r\n\r\n<input id=\"yearVal\" class=\"reg-input validatePositiveNumber pre-populated\" name=\"yearVal\" size=\"10\" type=\"text\" value=\"\" />\r\n<div id=\"advice-yearVal\" class=\"validation-advice validation-failed\"></div>\r\n</div>\r\n</div>\r\n</div>\r\n</div>\r\n</form></div>\r\n</section><section class=\"calculatorSection\">\r\n<div id=\"amortization-calculator-output\" class=\"calculatorDetailBox\" data-fh-impression=\"{&quot;section&quot;:&quot;BaseCalculations&quot;,&quot;renderId&quot;:1984345888}\">\r\n<h2>Your Amortization Summary</h2>\r\n<h3>Base Calculations</h3>\r\n<div class=\"calculationsTable\">\r\n<table>\r\n<thead>\r\n<tr>\r\n<th style=\"color: #1774ad; font-weight: bold;\">Monthly\r\nPrincipal &amp; Interest</th>\r\n<th>Number of Payments</th>\r\n<th>Total Payments</th>\r\n<th class=\"monthlyPayments\">Original Mortgage</th>\r\n</tr>\r\n</thead>\r\n<tbody>\r\n<tr>\r\n<td id=\"colAmountBox\" data-label=\"Monthly Principal &amp; Interest\">—</td>\r\n<td id=\"colInterestBox\" data-label=\"Number of Payments\">—</td>\r\n<td id=\"colYearsBox\" data-label=\"Total Payments\">—</td>\r\n<td id=\"payVal\" class=\"monthlyPayments\" data-label=\"Original Mortgage Amount\">—</td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</div>\r\n</div>\r\n<div id=\"amortization-calculator-charts\" class=\"calculatorDetailBox\" data-fh-impression=\"{&quot;section&quot;:&quot;AdditionalAmortizationInformation&quot;,&quot;renderId&quot;:453871434}\">\r\n<h3>Additional amortization information</h3>\r\n<div class=\"toolsChart firstToolsChart\">\r\n<div id=\"amortizationChart\"><img src=\"https://www.stevewhitemortgages.ca/wp-content/themes/finanza/images/amortization.jpg\" alt=\"Amortization Chart\" />This chart illustrates how balances decrease over time for\r\na fixed rate mortgage.\r\n\r\n</div>\r\n</div>\r\n<div class=\"toolsChart secondToolsChart\">\r\n<div id=\"principalChart\"><img src=\"https://www.stevewhitemortgages.ca/wp-content/themes/finanza/images/principal.jpg\" alt=\"Principal Inactive Chart\" />This chart shows how payments are split between principal\r\nand interest payments over time.\r\n\r\n</div>\r\n</div>\r\n</div>\r\n</section><section id=\"amortization-calculator-details\" class=\"calculator-details \" data-fh-impression=\"{&quot;section&quot;:&quot;YourFullAmortizationSchedule&quot;,&quot;renderId&quot;:1211233021}\"><header>\r\n<h2>Your Full Amortization Schedule</h2>\r\n</header>\r\n<table class=\"loanOutputTable\">\r\n<tbody>\r\n<tr>\r\n<th>Month/Year</th>\r\n<th>Payment Amount</th>\r\n<th>Interest Paid</th>\r\n<th>Principal Paid</th>\r\n<th class=\"monthlyPayments\">Mortgage Balance</th>\r\n</tr>\r\n</tbody>\r\n</table>\r\n<div id=\"fullTableContainer\"></div>\r\n</section><section class=\"disclaimer\">These calculations are approximate and for information purposes only. Actual payment amounts may differ and will be determined at the time of your application. Please do not rely solely on this information or result when making financial decisions; please speak with me directly to review your mortgage options.\r\n\r\nTo make this calculation, a fixed interest rate over the entire amortization period is used. In reality I will renegotiate at the end of each mortgage term on your behalf; depending on the state of the economy and Bank of Canada lending rates, your mortgage rate will likely change.\r\n\r\nA minimum 5% down payment is required for a purchase price of $500,000 or less. For a purchase price between $500,000 and $1 million, the minimum down payment is 5% on the first $500,000 and 10% on the balance. Default insurance costs will apply. A home purchase price of greater than $1 million dollars is not eligible for mortgage default insurance and requires a minimum down payment of 20%.\r\n\r\n</section></div>\r\n<div class=\"clear\"></div>\r\n</div>\r\n</section>&nbsp;','Mortgages Calculator','','inherit','closed','closed','','5265-revision-v1','','','2017-06-11 04:00:35','2017-06-11 04:00:35','',5265,'https://www.stevewhitemortgages.ca/2017/06/5265-revision-v1/',0,'revision','',0),(5348,1,'2017-05-12 17:30:35','2017-05-12 17:30:35','<div>\r\n<h3>Looking for the Best Rates?\r\nOurs can be as low as *1.89% <span class=\"editorsmalltext\">(some conditions apply)</span></h3>\r\n<h4>We’ll find you the best mortgage rate for your situation, FOR FREE</h4>\r\n</div>\r\n[gdlr_heading tag=\"h3\" size=\"32px\" color=\"#ffffff\" background=\"#8ed345\" font_weight=\"bold\"]Heading With Background[/gdlr_heading]\r\n\r\n[gdlr_space height=\"20px\"]\r\n\r\n[gdlr_price_table columns=\"6\" ]\r\n[gdlr_tab title=\"\" price=\"Mortgage Term   &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\" ]\r\n<ul>\r\n<li>Variable</li>\r\n<li>1 yr</li>\r\n<li>2 yr</li>\r\n<li>3 yr</li>\r\n<li>4 yr</li>\r\n<li>5 yr</li>\r\n<li>6 yr</li>\r\n<li>7 yr</li>\r\n<li>10 yr</li>\r\n</ul>\r\n[/gdlr_tab]\r\n[gdlr_tab title=\"\" price=\"Our (APR)   &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\" ]\r\n<ul>\r\n<li>2.30%</li>\r\n<li>2.44%</li>\r\n<li>2.34%</li>\r\n<li>2.44%</li>\r\n<li>2.69%</li>\r\n<li>2.64%</li>\r\n<li>3.09%</li>\r\n<li>3.19%</li>\r\n<li>3.84%</li>\r\n</ul>\r\n[/gdlr_tab]\r\n[gdlr_tab title=\"\" price=\"Banks Posted Rates\" ]\r\n<ul>\r\n<li>N/A</li>\r\n<li>3.10%</li>\r\n<li>3.35%</li>\r\n<li>3.85%</li>\r\n<li>4.64%</li>\r\n<li>4.79%</li>\r\n<li>6.35%</li>\r\n<li>6.35%</li>\r\n<li>6.75%</li>\r\n</ul>\r\n[/gdlr_tab]\r\n\r\n[gdlr_tab title=\"\" price=\"Difference   &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\" ]\r\n<ul>\r\n<li>1</li>\r\n<li>2 Email Accounts</li>\r\n<li>30 GB Bandwidth</li>\r\n<li>4ive Chat Support</li>\r\n<li>5nchanced SSL Security</li>\r\n<li>60 GB</li>\r\n<li>72 Email Accounts</li>\r\n<li>80 GB Bandwidth</li>\r\n<li>9ive Chat Support</li>\r\n</ul>\r\n[/gdlr_tab]\r\n[gdlr_tab title=\"\" price=\"Interest You Save Per Term*\" ]\r\n<ul>\r\n<li>1</li>\r\n<li>2 Email Accounts</li>\r\n<li>30 GB Bandwidth</li>\r\n<li>4ive Chat Support</li>\r\n<li>5nchanced SSL Security</li>\r\n<li>60 GB</li>\r\n<li>72 Email Accounts</li>\r\n<li>80 GB Bandwidth</li>\r\n<li>9ive Chat Support</li>\r\n</ul>\r\n[/gdlr_tab]\r\n[gdlr_tab title=\"\" price=\"Interest You Save Per Year*\" ]\r\n<ul>\r\n<li>1</li>\r\n<li>2 Email Accounts</li>\r\n<li>30 GB Bandwidth</li>\r\n<li>4ive Chat Support</li>\r\n<li>5nchanced SSL Security</li>\r\n<li>60 GB</li>\r\n<li>72 Email Accounts</li>\r\n<li>80 GB Bandwidth</li>\r\n<li>9ive Chat Support</li>\r\n</ul>\r\n[/gdlr_tab]\r\n\r\n\r\n[/gdlr_price_table]\r\n\r\n[gdlr_space height=\"20px\"]','Mortgage Rates','','inherit','closed','closed','','5312-revision-v1','','','2017-05-12 17:30:35','2017-05-12 17:30:35','',5312,'https://www.stevewhitemortgages.ca/2017/05/5312-revision-v1/',0,'revision','',0),(5347,1,'2017-05-12 17:29:02','2017-05-12 17:29:02','<div>\r\n<h3>Looking for the Best Rates?\r\nOurs can be as low as *1.89% <span class=\"editorsmalltext\">(some conditions apply)</span></h3>\r\n<h4>We’ll find you the best mortgage rate for your situation, FOR FREE</h4>\r\n</div>\r\n[gdlr_heading tag=\"h3\" size=\"32px\" color=\"#ffffff\" background=\"#8ed345\" font_weight=\"bold\"]Heading With Background[/gdlr_heading]\r\n\r\n[gdlr_space height=\"20px\"]\r\n\r\n[gdlr_price_table columns=\"6\" ]\r\n[gdlr_tab title=\"\" price=\"Mortgage Term   &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\" ]\r\n<ul>\r\n<li>Variable</li>\r\n<li>1 yr</li>\r\n<li>2 yr</li>\r\n<li>3 yr</li>\r\n<li>4 yr</li>\r\n<li>5 yr</li>\r\n<li>6 yr</li>\r\n<li>7 yr</li>\r\n<li>10 yr</li>\r\n</ul>\r\n[/gdlr_tab]\r\n[gdlr_tab title=\"\" price=\"Our (APR)   &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\" ]\r\n<ul>\r\n<li>2.30%</li>\r\n<li>2.44%</li>\r\n<li>2.34%</li>\r\n<li>2.44%</li>\r\n<li>2.69%</li>\r\n<li>2.64%</li>\r\n<li>3.09%</li>\r\n<li>3.19%</li>\r\n<li>3.84%</li>\r\n</ul>\r\n[/gdlr_tab]\r\n[gdlr_tab title=\"\" price=\"Banks Posted Rates\" ]\r\n<ul>\r\n<li>N/A</li>\r\n<li>2 Email Accounts</li>\r\n<li>30 GB Bandwidth</li>\r\n<li>4ive Chat Support</li>\r\n<li>5nchanced SSL Security</li>\r\n<li>60 GB</li>\r\n<li>72 Email Accounts</li>\r\n<li>80 GB Bandwidth</li>\r\n<li>9ive Chat Support</li>\r\n</ul>\r\n[/gdlr_tab]\r\n\r\n[gdlr_tab title=\"\" price=\"Difference   &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\" ]\r\n<ul>\r\n<li>1</li>\r\n<li>2 Email Accounts</li>\r\n<li>30 GB Bandwidth</li>\r\n<li>4ive Chat Support</li>\r\n<li>5nchanced SSL Security</li>\r\n<li>60 GB</li>\r\n<li>72 Email Accounts</li>\r\n<li>80 GB Bandwidth</li>\r\n<li>9ive Chat Support</li>\r\n</ul>\r\n[/gdlr_tab]\r\n[gdlr_tab title=\"\" price=\"Interest You Save Per Term*\" ]\r\n<ul>\r\n<li>1</li>\r\n<li>2 Email Accounts</li>\r\n<li>30 GB Bandwidth</li>\r\n<li>4ive Chat Support</li>\r\n<li>5nchanced SSL Security</li>\r\n<li>60 GB</li>\r\n<li>72 Email Accounts</li>\r\n<li>80 GB Bandwidth</li>\r\n<li>9ive Chat Support</li>\r\n</ul>\r\n[/gdlr_tab]\r\n[gdlr_tab title=\"\" price=\"Interest You Save Per Year*\" ]\r\n<ul>\r\n<li>1</li>\r\n<li>2 Email Accounts</li>\r\n<li>30 GB Bandwidth</li>\r\n<li>4ive Chat Support</li>\r\n<li>5nchanced SSL Security</li>\r\n<li>60 GB</li>\r\n<li>72 Email Accounts</li>\r\n<li>80 GB Bandwidth</li>\r\n<li>9ive Chat Support</li>\r\n</ul>\r\n[/gdlr_tab]\r\n\r\n\r\n[/gdlr_price_table]\r\n\r\n[gdlr_space height=\"20px\"]','Mortgage Rates','','inherit','closed','closed','','5312-revision-v1','','','2017-05-12 17:29:02','2017-05-12 17:29:02','',5312,'https://www.stevewhitemortgages.ca/2017/05/5312-revision-v1/',0,'revision','',0),(5344,1,'2017-05-12 17:28:20','2017-05-12 17:28:20','<div>\r\n<h3>Looking for the Best Rates?\r\nOurs can be as low as *1.89% <span class=\"editorsmalltext\">(some conditions apply)</span></h3>\r\n<h4>We’ll find you the best mortgage rate for your situation, FOR FREE</h4>\r\n</div>\r\n[gdlr_heading tag=\"h3\" size=\"32px\" color=\"#ffffff\" background=\"#8ed345\" font_weight=\"bold\"]Heading With Background[/gdlr_heading]\r\n\r\n[gdlr_space height=\"20px\"]\r\n\r\n[gdlr_price_table columns=\"6\" ]\r\n[gdlr_tab title=\"\" price=\"Mortgage Term   &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\" ]\r\n<ul>\r\n<li>Variable</li>\r\n<li>1 yr</li>\r\n<li>2 yr</li>\r\n<li>3 yr</li>\r\n<li>4 yr</li>\r\n<li>5 yr</li>\r\n<li>6 yr</li>\r\n<li>7 yr</li>\r\n<li>10 yr</li>\r\n</ul>\r\n[/gdlr_tab]\r\n[gdlr_tab title=\"\" price=\"Our (APR)   &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\" ]\r\n<ul>\r\n<li>2.44%</li>\r\n<li>2.34%</li>\r\n<li>2.44%</li>\r\n<li>2.69%</li>\r\n<li>2.64%</li>\r\n<li>3.09%</li>\r\n<li>3.19%</li>\r\n<li>3.84%</li>\r\n</ul>\r\n[/gdlr_tab]\r\n[gdlr_tab title=\"\" price=\"Banks Posted Rates\" ]\r\n<ul>\r\n<li>1</li>\r\n<li>2 Email Accounts</li>\r\n<li>30 GB Bandwidth</li>\r\n<li>4ive Chat Support</li>\r\n<li>5nchanced SSL Security</li>\r\n<li>60 GB</li>\r\n<li>72 Email Accounts</li>\r\n<li>80 GB Bandwidth</li>\r\n<li>9ive Chat Support</li>\r\n</ul>\r\n[/gdlr_tab]\r\n\r\n[gdlr_tab title=\"\" price=\"Difference   &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\" ]\r\n<ul>\r\n<li>1</li>\r\n<li>2 Email Accounts</li>\r\n<li>30 GB Bandwidth</li>\r\n<li>4ive Chat Support</li>\r\n<li>5nchanced SSL Security</li>\r\n<li>60 GB</li>\r\n<li>72 Email Accounts</li>\r\n<li>80 GB Bandwidth</li>\r\n<li>9ive Chat Support</li>\r\n</ul>\r\n[/gdlr_tab]\r\n[gdlr_tab title=\"\" price=\"Interest You Save Per Term*\" ]\r\n<ul>\r\n<li>1</li>\r\n<li>2 Email Accounts</li>\r\n<li>30 GB Bandwidth</li>\r\n<li>4ive Chat Support</li>\r\n<li>5nchanced SSL Security</li>\r\n<li>60 GB</li>\r\n<li>72 Email Accounts</li>\r\n<li>80 GB Bandwidth</li>\r\n<li>9ive Chat Support</li>\r\n</ul>\r\n[/gdlr_tab]\r\n[gdlr_tab title=\"\" price=\"Interest You Save Per Year*\" ]\r\n<ul>\r\n<li>1</li>\r\n<li>2 Email Accounts</li>\r\n<li>30 GB Bandwidth</li>\r\n<li>4ive Chat Support</li>\r\n<li>5nchanced SSL Security</li>\r\n<li>60 GB</li>\r\n<li>72 Email Accounts</li>\r\n<li>80 GB Bandwidth</li>\r\n<li>9ive Chat Support</li>\r\n</ul>\r\n[/gdlr_tab]\r\n\r\n\r\n[/gdlr_price_table]\r\n\r\n[gdlr_space height=\"20px\"]','Mortgage Rates','','inherit','closed','closed','','5312-revision-v1','','','2017-05-12 17:28:20','2017-05-12 17:28:20','',5312,'https://www.stevewhitemortgages.ca/2017/05/5312-revision-v1/',0,'revision','',0),(5268,1,'2017-06-12 16:39:54','2017-06-12 16:39:54','&nbsp;\n\n<section class=\"main\">\n<div id=\"financial-tools\">\n<div id=\"aboutUs\"><section id=\"tools-overview-title-section\">\n<h5>Use this calculator to calculate what your monthly mortgage payments will be and generate an amortization schedule. You can also quickly see how much interest you will pay, and your principal balances.</h5>\n</section><section id=\"amortization-calculator-input\">\n<div class=\"calculatorGrayBox\" data-fh-impression=\"{&quot;section&quot;:&quot;AmortizationCalculatorInput&quot;,&quot;renderId&quot;:1930696002}\"><header>\n<h2>Mortgage Calculator</h2>\n</header><form>\n<div class=\"row-2 clearfix formList\">\n<div class=\"col-1-2\">\n\n&nbsp;\n<div class=\"inputType\"><b>1</b> Mortgage Amount</div>\n&nbsp;\n\n</div>\n<div class=\"col-1-2\">\n<div>\n<div>\n\n<input id=\"loanVal\" class=\"reg-input validatePositiveNumber pre-populated\" name=\"loanVal\" size=\"10\" type=\"text\" value=\"\" /><span class=\"postInput\">$</span>\n<div id=\"advice-loanVal\" class=\"validation-advice validation-failed\"></div>\n</div>\n</div>\n</div>\n</div>\n<div class=\"row-2 clearfix formList\">\n<div class=\"col-1-2\">\n\n<label for=\"rateVal\"><b>2</b> </label>\n<div class=\"inputType\">Interest Rate</div>\n&nbsp;\n\n</div>\n<div class=\"col-1-2\">\n<div>\n<div>\n\n<input id=\"rateVal\" class=\"reg-input validatePositiveNumber pre-populated\" name=\"rateVal\" size=\"10\" type=\"text\" value=\"\" /><span class=\"postInput\">%</span>\n<div id=\"advice-rateVal\" class=\"validation-advice validation-failed\"></div>\n</div>\n</div>\n</div>\n</div>\n<div class=\"row-2 clearfix formList\">\n<div class=\"col-1-2\">\n\n<label for=\"yearVal\"><b>3</b> </label>\n<div class=\"inputType\">Mortgage Length (25 and 30 years are most common)</div>\n&nbsp;\n\n</div>\n<div class=\"col-1-2\">\n<div>\n<div>\n\n<input id=\"yearVal\" class=\"reg-input validatePositiveNumber pre-populated\" name=\"yearVal\" size=\"10\" type=\"text\" value=\"\" />\n<div id=\"advice-yearVal\" class=\"validation-advice validation-failed\"></div>\n</div>\n</div>\n</div>\n</div>\n</form></div>\n</section><section class=\"calculatorSection\">\n<div id=\"amortization-calculator-output\" class=\"calculatorDetailBox\" data-fh-impression=\"{&quot;section&quot;:&quot;BaseCalculations&quot;,&quot;renderId&quot;:1984345888}\">\n<h2>Your Amortization Summary</h2>\n<h3>Base Calculations</h3>\n<div class=\"calculationsTable\">\n<table>\n<thead>\n<tr>\n<th style=\"color: #1774ad; font-weight: bold;\">Monthly\nPrincipal &amp; Interest</th>\n<th>Number of Payments</th>\n<th>Total Payments</th>\n<th class=\"monthlyPayments\">Original Mortgage</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td id=\"colAmountBox\" data-label=\"Monthly Principal &amp; Interest\">—</td>\n<td id=\"colInterestBox\" data-label=\"Number of Payments\">—</td>\n<td id=\"colYearsBox\" data-label=\"Total Payments\">—</td>\n<td id=\"payVal\" class=\"monthlyPayments\" data-label=\"Original Mortgage Amount\">—</td>\n</tr>\n</tbody>\n</table>\n</div>\n</div>\n<div id=\"amortization-calculator-charts\" class=\"calculatorDetailBox\" data-fh-impression=\"{&quot;section&quot;:&quot;AdditionalAmortizationInformation&quot;,&quot;renderId&quot;:453871434}\">\n<h3>Additional amortization information</h3>\n<div class=\"toolsChart firstToolsChart\">\n<div id=\"amortizationChart\"><img src=\"https://www.stevewhitemortgages.ca/wp-content/themes/finanza/images/amortization.jpg\" alt=\"Amortization Chart\" />This chart illustrates how balances decrease over time for\na fixed rate mortgage.</div>\n</div>\n<div class=\"toolsChart secondToolsChart\">\n<div id=\"principalChart\"><img src=\"https://www.stevewhitemortgages.ca/wp-content/themes/finanza/images/principal.jpg\" alt=\"Principal Inactive Chart\" />This chart shows how payments are split between principal\nand interest payments over time.</div>\n</div>\n</div>\n</section><section id=\"amortization-calculator-details\" class=\"calculator-details \" data-fh-impression=\"{&quot;section&quot;:&quot;YourFullAmortizationSchedule&quot;,&quot;renderId&quot;:1211233021}\"><header>\n<h2>Your Full Amortization Schedule</h2>\n</header>\n<table class=\"loanOutputTable\">\n<tbody>\n<tr>\n<th>Month/Year</th>\n<th>Payment Amount</th>\n<th>Interest Paid</th>\n<th>Principal Paid</th>\n<th class=\"monthlyPayments\">Mortgage Balance</th>\n</tr>\n</tbody>\n</table>\n<div id=\"fullTableContainer\"></div>\n</section><section class=\"disclaimer\">These calculations are approximate and for information purposes only. Actual payment amounts may differ and will be determined at the time of your application. Please do not rely solely on this information or result when making financial decisions; please speak with me directly to review your mortgage options.To make this calculation, a fixed interest rate over the entire amortization period is used. In reality I will renegotiate at the end of each mortgage term on your behalf; depending on the state of the economy and Bank of Canada lending rates, your mortgage rate will likely change.A minimum 5% down payment is required for a purchase price of $500,000 or less. For a purchase price between $500,000 and $1 million, the minimum down payment is 5% on the first $500,000 and 10% on the balance. Default insurance costs will apply. A home purchase price of greater than $1 million dollars is not eligible for mortgage default insurance and requires a minimum down payment of 20%.</section></div>\n<div class=\"clear\"></div>\n</div>\n</section>&nbsp;','Mortgages Calculator For Ontario','','inherit','closed','closed','','5265-autosave-v1','','','2017-06-12 16:39:54','2017-06-12 16:39:54','',5265,'https://www.stevewhitemortgages.ca/2017/05/5265-autosave-v1/',0,'revision','',0),(5390,1,'2017-06-12 16:42:33','2017-06-12 16:42:33','&nbsp;\r\n\r\n<section class=\"main\">\r\n<div id=\"financial-tools\">\r\n<div id=\"aboutUs\"><section id=\"tools-overview-title-section\">\r\n<h5>Use this mortgage calculator Ontario to calculate what your monthly mortgage payments will be and generate an amortization schedule. You can also quickly see how much interest you will pay, and your principal balances.</h5>\r\n</section><section id=\"amortization-calculator-input\">\r\n<div class=\"calculatorGrayBox\" data-fh-impression=\"{&quot;section&quot;:&quot;AmortizationCalculatorInput&quot;,&quot;renderId&quot;:1930696002}\"><header>\r\n<h2>Mortgage Calculator</h2>\r\n</header><form>\r\n<div class=\"row-2 clearfix formList\">\r\n<div class=\"col-1-2\">\r\n\r\n&nbsp;\r\n<div class=\"inputType\"><b>1</b> Mortgage Amount</div>\r\n&nbsp;\r\n\r\n</div>\r\n<div class=\"col-1-2\">\r\n<div>\r\n<div>\r\n\r\n<input id=\"loanVal\" class=\"reg-input validatePositiveNumber pre-populated\" name=\"loanVal\" size=\"10\" type=\"text\" value=\"\" /><span class=\"postInput\">$</span>\r\n<div id=\"advice-loanVal\" class=\"validation-advice validation-failed\"></div>\r\n</div>\r\n</div>\r\n</div>\r\n</div>\r\n<div class=\"row-2 clearfix formList\">\r\n<div class=\"col-1-2\">\r\n\r\n<label for=\"rateVal\"><b>2</b> </label>\r\n<div class=\"inputType\">Interest Rate</div>\r\n&nbsp;\r\n\r\n</div>\r\n<div class=\"col-1-2\">\r\n<div>\r\n<div>\r\n\r\n<input id=\"rateVal\" class=\"reg-input validatePositiveNumber pre-populated\" name=\"rateVal\" size=\"10\" type=\"text\" value=\"\" /><span class=\"postInput\">%</span>\r\n<div id=\"advice-rateVal\" class=\"validation-advice validation-failed\"></div>\r\n</div>\r\n</div>\r\n</div>\r\n</div>\r\n<div class=\"row-2 clearfix formList\">\r\n<div class=\"col-1-2\">\r\n\r\n<label for=\"yearVal\"><b>3</b> </label>\r\n<div class=\"inputType\">Mortgage Length (25 and 30 years are most common)</div>\r\n&nbsp;\r\n\r\n</div>\r\n<div class=\"col-1-2\">\r\n<div>\r\n<div>\r\n\r\n<input id=\"yearVal\" class=\"reg-input validatePositiveNumber pre-populated\" name=\"yearVal\" size=\"10\" type=\"text\" value=\"\" />\r\n<div id=\"advice-yearVal\" class=\"validation-advice validation-failed\"></div>\r\n</div>\r\n</div>\r\n</div>\r\n</div>\r\n</form></div>\r\n</section><section class=\"calculatorSection\">\r\n<div id=\"amortization-calculator-output\" class=\"calculatorDetailBox\" data-fh-impression=\"{&quot;section&quot;:&quot;BaseCalculations&quot;,&quot;renderId&quot;:1984345888}\">\r\n<h2>Your Amortization Summary</h2>\r\n<h3>Base Calculations</h3>\r\n<div class=\"calculationsTable\">\r\n<table>\r\n<thead>\r\n<tr>\r\n<th style=\"color: #1774ad; font-weight: bold;\">Monthly\r\nPrincipal &amp; Interest</th>\r\n<th>Number of Payments</th>\r\n<th>Total Payments</th>\r\n<th class=\"monthlyPayments\">Original Mortgage</th>\r\n</tr>\r\n</thead>\r\n<tbody>\r\n<tr>\r\n<td id=\"colAmountBox\" data-label=\"Monthly Principal &amp; Interest\">—</td>\r\n<td id=\"colInterestBox\" data-label=\"Number of Payments\">—</td>\r\n<td id=\"colYearsBox\" data-label=\"Total Payments\">—</td>\r\n<td id=\"payVal\" class=\"monthlyPayments\" data-label=\"Original Mortgage Amount\">—</td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</div>\r\n</div>\r\n<div id=\"amortization-calculator-charts\" class=\"calculatorDetailBox\" data-fh-impression=\"{&quot;section&quot;:&quot;AdditionalAmortizationInformation&quot;,&quot;renderId&quot;:453871434}\">\r\n<h3>Additional amortization information</h3>\r\n<div class=\"toolsChart firstToolsChart\">\r\n<div id=\"amortizationChart\"><img src=\"https://www.stevewhitemortgages.ca/wp-content/themes/finanza/images/amortization.jpg\" alt=\"Amortization Chart\" />This chart illustrates how balances decrease over time for\r\na fixed rate mortgage.</div>\r\n</div>\r\n<div class=\"toolsChart secondToolsChart\">\r\n<div id=\"principalChart\"><img src=\"https://www.stevewhitemortgages.ca/wp-content/themes/finanza/images/principal.jpg\" alt=\"Principal Inactive Chart\" />This chart shows how payments are split between principal\r\nand interest payments over time.</div>\r\n</div>\r\n</div>\r\n</section><section id=\"amortization-calculator-details\" class=\"calculator-details \" data-fh-impression=\"{&quot;section&quot;:&quot;YourFullAmortizationSchedule&quot;,&quot;renderId&quot;:1211233021}\"><header>\r\n<h2>Your Full Amortization Schedule</h2>\r\n</header>\r\n<table class=\"loanOutputTable\">\r\n<tbody>\r\n<tr>\r\n<th>Month/Year</th>\r\n<th>Payment Amount</th>\r\n<th>Interest Paid</th>\r\n<th>Principal Paid</th>\r\n<th class=\"monthlyPayments\">Mortgage Balance</th>\r\n</tr>\r\n</tbody>\r\n</table>\r\n<div id=\"fullTableContainer\"></div>\r\n</section><section class=\"disclaimer\">The calculations presented in this mortgage calculator Ontario are approximate and for information purposes only. Actual payment amounts may differ and will be determined at the time of your application. Please do not rely solely on this information or result when making financial decisions; please speak with me directly to review your mortgage options.To make this calculation, a fixed interest rate over the entire amortization period is used. In reality I will renegotiate at the end of each mortgage term on your behalf; depending on the state of the economy and Bank of Canada lending rates, your mortgage rate will likely change.A minimum 5% down payment is required for a purchase price of $500,000 or less. For a purchase price between $500,000 and $1 million, the minimum down payment is 5% on the first $500,000 and 10% on the balance. Default insurance costs will apply. A home purchase price of greater than $1 million dollars is not eligible for mortgage default insurance and requires a minimum down payment of 20%.</section></div>\r\n<div class=\"clear\"></div>\r\n</div>\r\n</section>&nbsp;','Mortgage Calculator For Ontario with amortization schedule','','inherit','closed','closed','','5265-revision-v1','','','2017-06-12 16:42:33','2017-06-12 16:42:33','',5265,'https://www.stevewhitemortgages.ca/2017/06/5265-revision-v1/',0,'revision','',0),(5308,1,'2017-05-12 13:08:06','2017-05-12 13:08:06','&nbsp;\r\n\r\n<section class=\"main\">\r\n<div id=\"financial-tools\">\r\n<div id=\"aboutUs\"><section id=\"tools-overview-title-section\">\r\n<h5>Use this calculator to calculate what your monthly mortgage payments will be and generate an amortization schedule. You can also quickly see how much interest you will pay, and your principal balances.</h5>\r\n</section><section id=\"amortization-calculator-input\">\r\n<div class=\"calculatorGrayBox\" data-fh-impression=\"{&quot;section&quot;:&quot;AmortizationCalculatorInput&quot;,&quot;renderId&quot;:1930696002}\"><header>\r\n<h2>Mortgage Calculator</h2>\r\n</header><form>\r\n<div class=\"row-2 clearfix formList\">\r\n<div class=\"col-1-2\">\r\n\r\n&nbsp;\r\n<div class=\"inputType\"><b>1</b> Mortgage Amount</div>\r\n&nbsp;\r\n\r\n</div>\r\n<div class=\"col-1-2\">\r\n<div>\r\n<div>\r\n\r\n<input id=\"loanVal\" class=\"reg-input validatePositiveNumber pre-populated\" name=\"loanVal\" size=\"10\" type=\"text\" value=\"\" /><span class=\"postInput\">$</span>\r\n<div id=\"advice-loanVal\" class=\"validation-advice validation-failed\"></div>\r\n</div>\r\n</div>\r\n</div>\r\n</div>\r\n<div class=\"row-2 clearfix formList\">\r\n<div class=\"col-1-2\">\r\n\r\n<label for=\"rateVal\"><b>2</b> </label>\r\n<div class=\"inputType\">Interest Rate</div>\r\n&nbsp;\r\n\r\n</div>\r\n<div class=\"col-1-2\">\r\n<div>\r\n<div><input id=\"rateVal\" class=\"reg-input validatePositiveNumber pre-populated\" name=\"rateVal\" size=\"10\" type=\"text\" value=\"\" /><span class=\"postInput\">%</span>\r\n<div id=\"advice-rateVal\" class=\"validation-advice validation-failed\"></div>\r\n</div>\r\n</div>\r\n</div>\r\n</div>\r\n<div class=\"row-2 clearfix formList\">\r\n<div class=\"col-1-2\">\r\n\r\n<label for=\"yearVal\"><b>3</b> </label>\r\n<div class=\"inputType\">Mortgage Length (25 and 30 years are most common)</div>\r\n&nbsp;\r\n\r\n</div>\r\n<div class=\"col-1-2\">\r\n<div>\r\n<div>\r\n\r\n<input id=\"yearVal\" class=\"reg-input validatePositiveNumber pre-populated\" name=\"yearVal\" size=\"10\" type=\"text\" value=\"\" />\r\n<div id=\"advice-yearVal\" class=\"validation-advice validation-failed\"></div>\r\n</div>\r\n</div>\r\n</div>\r\n</div>\r\n<div class=\"calculator-input-submit\"><input id=\"loanCalculate\" title=\"Calculate\" type=\"submit\" value=\"Calculate\" data-renderid=\"1930696002\" /></div>\r\n</form></div>\r\n</section><section class=\"calculatorSection\">\r\n<div id=\"amortization-calculator-output\" class=\"calculatorDetailBox\" data-fh-impression=\"{&quot;section&quot;:&quot;BaseCalculations&quot;,&quot;renderId&quot;:1984345888}\">\r\n<h2>Your Amortization Summary</h2>\r\n<h3>Base Calculations</h3>\r\n<div class=\"calculationsTable\">\r\n<table>\r\n<thead>\r\n<tr>\r\n<th style=\"color: #1774ad; font-weight: bold;\">Monthly\r\nPrincipal &amp; Interest</th>\r\n<th>Number of Payments</th>\r\n<th>Total Payments</th>\r\n<th class=\"monthlyPayments\">Original Mortgage</th>\r\n</tr>\r\n</thead>\r\n<tbody>\r\n<tr>\r\n<td id=\"colAmountBox\" data-label=\"Monthly Principal &amp; Interest\">—</td>\r\n<td id=\"colInterestBox\" data-label=\"Number of Payments\">—</td>\r\n<td id=\"colYearsBox\" data-label=\"Total Payments\">—</td>\r\n<td id=\"payVal\" class=\"monthlyPayments\" data-label=\"Original Mortgage Amount\">—</td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</div>\r\n</div>\r\n<div id=\"amortization-calculator-charts\" class=\"calculatorDetailBox\" data-fh-impression=\"{&quot;section&quot;:&quot;AdditionalAmortizationInformation&quot;,&quot;renderId&quot;:453871434}\">\r\n<h3>Additional amortization information</h3>\r\n<div class=\"toolsChart firstToolsChart\">\r\n<div id=\"amortizationChart\"><img src=\"https://www.stevewhitemortgages.ca/wp-content/themes/finanza/images/amortization.jpg\" alt=\"Amortization Chart\" />This chart illustrates how balances decrease over time for\r\na fixed rate mortgage.\r\n\r\n</div>\r\n</div>\r\n<div class=\"toolsChart secondToolsChart\">\r\n<div id=\"principalChart\"><img src=\"https://www.stevewhitemortgages.ca/wp-content/themes/finanza/images/principal.jpg\" alt=\"Principal Inactive Chart\" />This chart shows how payments are split between principal\r\nand interest payments over time.\r\n\r\n</div>\r\n</div>\r\n</div>\r\n</section><section id=\"amortization-calculator-details\" class=\"calculator-details \" data-fh-impression=\"{&quot;section&quot;:&quot;YourFullAmortizationSchedule&quot;,&quot;renderId&quot;:1211233021}\"><header>\r\n<h2>Your Full Amortization Schedule</h2>\r\n</header>\r\n<table class=\"loanOutputTable\">\r\n<tbody>\r\n<tr>\r\n<th>Month/Year</th>\r\n<th>Payment Amount</th>\r\n<th>Interest Paid</th>\r\n<th>Principal Paid</th>\r\n<th class=\"monthlyPayments\">Mortgage Balance</th>\r\n</tr>\r\n</tbody>\r\n</table>\r\n<div id=\"fullTableContainer\"></div>\r\n</section><section class=\"disclaimer\">These calculations are approximate and for information purposes only. Actual payment amounts may differ and will be determined at the time of your application. Please do not rely solely on this information or result when making financial decisions; please speak with me directly to review your mortgage options.\r\n\r\nTo make this calculation, a fixed interest rate over the entire amortization period is used. In reality I will renegotiate at the end of each mortgage term on your behalf; depending on the state of the economy and Bank of Canada lending rates, your mortgage rate will likely change.\r\n\r\nA minimum 5% down payment is required for a purchase price of $500,000 or less. For a purchase price between $500,000 and $1 million, the minimum down payment is 5% on the first $500,000 and 10% on the balance. Default insurance costs will apply. A home purchase price of greater than $1 million dollars is not eligible for mortgage default insurance and requires a minimum down payment of 20%.\r\n\r\n</section></div>\r\n<div class=\"clear\"></div>\r\n</div>\r\n</section>&nbsp;','Mortgages Calculator','','inherit','closed','closed','','5265-revision-v1','','','2017-05-12 13:08:06','2017-05-12 13:08:06','',5265,'https://www.stevewhitemortgages.ca/2017/05/5265-revision-v1/',0,'revision','',0),(5294,1,'2017-05-12 06:16:48','2017-05-12 06:16:48','<main ck-main=\"sidebar sidebar-responsive\">\r\n<section class=\"main\">\r\n<div id=\"financial-tools\">\r\n	<div id=\"aboutUs\">\r\n   \r\n\r\n<section id=\"tools-overview-title-section\">\r\n<h5 ck-header=\"\">Use this calculator to calculate what your monthly mortgage payments will be and generate an amortization schedule. You can also quickly see how much interest you will pay, and your principal balances.</h5>\r\n</section>\r\n\r\n<section id=\"amortization-calculator-input\" ck-card=\"\">\r\n		<div class=\"calculatorGrayBox\" data-fh-impression=\"{&quot;section&quot;:&quot;AmortizationCalculatorInput&quot;,&quot;renderId&quot;:1930696002}\">\r\n\r\n<header>\r\n			<h2 ck-header=\"sub\">Mortgage Calculator </h2>\r\n</header>\r\n\r\n<form ck-form=\"\">\r\n\r\n<div class=\"row-2 clearfix formList\">\r\n<div class=\"col-1-2\"><label for=\"loanVal\"><div class=\"inputType\"><span ck-badge=\"\"><b>1</b></span> Mortgage Amount </div></label></div>\r\n<div class=\"col-1-2\">\r\n<div ck-textinput=\"currency\">\r\n<div ck-textinput=\"\"><input id=\"loanVal\" class=\"reg-input validatePositiveNumber pre-populated\" name=\"loanVal\" size=\"10\" type=\"text\" value=\"\"><span class=\"postInput\">$</span><p></p><div id=\"advice-loanVal\" class=\"validation-advice validation-failed\" style=\"\"></div></div></div>\r\n</div>\r\n</div>\r\n\r\n<div class=\"row-2 clearfix formList\">\r\n<div class=\"col-1-2\"><label for=\"rateVal\"><span ck-badge=\"\"><b>2</b> </span><div class=\"inputType\">Interest Rate </div></label></div>\r\n<div class=\"col-1-2\">\r\n<div ck-textinput=\"percentage\">\r\n<div ck-textinput=\"\">\r\n<input id=\"rateVal\" class=\"reg-input validatePositiveNumber pre-populated\" name=\"rateVal\" size=\"10\" type=\"text\" value=\"\"><span class=\"postInput\">%</span><div id=\"advice-rateVal\" class=\"validation-advice validation-failed\" style=\"\"></div></div></div>\r\n</div>\r\n</div>\r\n\r\n<div class=\"row-2 clearfix formList\">\r\n<div class=\"col-1-2\"><label for=\"yearVal\"><span ck-badge=\"\"><b>3</b> </span><div class=\"inputType\">Mortgage Length (25 and 30 years are most common) </div></label></div>\r\n<div class=\"col-1-2\">\r\n<div ck-textinput=\"years\"><div ck-textinput=\"\"> <input id=\"yearVal\" class=\"reg-input validatePositiveNumber pre-populated\" name=\"yearVal\" size=\"10\" type=\"text\" value=\"\"><div id=\"advice-yearVal\" class=\"validation-advice validation-failed\" style=\"\"></div></div></div>\r\n</div>\r\n</div>\r\n				\r\n<div class=\"calculator-input-submit\">\r\n<input id=\"loanCalculate\" ck-button=\"blue\" data-renderid=\"1930696002\" onclick=\"CK.Legacy.Tools.Amortization.amortization(); CK.Legacy.Tools.CKCalculators.scrollToResult(); return false;\" title=\"Calculate\" type=\"submit\" value=\"Calculate\">\r\n</div>\r\n\r\n</form>\r\n</div>\r\n</section>\r\n\r\n<section class=\"calculatorSection\" ck-card=\"\">\r\n\r\n		<div id=\"amortization-calculator-output\" class=\"calculatorDetailBox\" data-fh-impression=\"{&quot;section&quot;:&quot;BaseCalculations&quot;,&quot;renderId&quot;:1984345888}\">\r\n			<h2 ck-header=\"sub\">Your Amortization Summary</h2>\r\n			<h3 ck-header=\"\">Base Calculations</h3>\r\n			<div class=\"calculationsTable\">\r\n				<table ck-table=\"\">\r\n					<thead>\r\n						<tr>\r\n							<th style=\"color: #1774ad; font-weight: bold;\">Monthly \r\n							Principal &amp; Interest</th>\r\n							<th>Number of Payments</th>\r\n							<th>Total Payments</th>\r\n							<th class=\"monthlyPayments\">Original Mortgage</th>\r\n						</tr>\r\n					</thead>\r\n					<tr>\r\n						<td id=\"colAmountBox\" data-label=\"Monthly Principal &amp; Interest\">\r\n						—</td>\r\n						<td id=\"colInterestBox\" data-label=\"Number of Payments\">\r\n						—</td>\r\n						<td id=\"colYearsBox\" data-label=\"Total Payments\">—</td>\r\n						<td id=\"payVal\" class=\"monthlyPayments\" data-label=\"Original Mortgage Amount\">\r\n						—</td>\r\n					</tr>\r\n				</table>\r\n			</div>\r\n		</div>\r\n		<div id=\"amortization-calculator-charts\" class=\"calculatorDetailBox\" data-fh-impression=\"{&quot;section&quot;:&quot;AdditionalAmortizationInformation&quot;,&quot;renderId&quot;:453871434}\">\r\n			<h3 ck-header=\"\">Additional amortization information</h3>\r\n			<div class=\"toolsChart firstToolsChart\">\r\n				<div id=\"amortizationChart\">\r\n					<img alt=\"Amortization Chart\" src=\"https://www.stevewhitemortgages.ca/wp-content/themes/finanza/images/amortization.jpg\">\r\n					<p>This chart illustrates how balances decrease over time for \r\n					a fixed rate mortgage.</p>\r\n				</div>\r\n			</div>\r\n			<div class=\"toolsChart secondToolsChart\">\r\n				<div id=\"principalChart\">\r\n					<img alt=\"Principal Inactive Chart\" src=\"https://www.stevewhitemortgages.ca/wp-content/themes/finanza/images/principal.jpg\">\r\n					<p>This chart shows how payments are split between principal \r\n					and interest payments over time.</p>\r\n				</div>\r\n			</div>\r\n		</div>\r\n</section>\r\n\r\n<section id=\"amortization-calculator-details\" class=\"calculator-details \" ck-card=\"\" data-fh-impression=\"{&quot;section&quot;:&quot;YourFullAmortizationSchedule&quot;,&quot;renderId&quot;:1211233021}\">\r\n<header>\r\n		<h2 ck-header=\"sub\">Your Full Amortization Schedule</h2>\r\n</header>\r\n		<table ck-table=\"\" class=\"loanOutputTable\">\r\n			<tr>\r\n				<th>Month/Year</th>\r\n				<th>Payment Amount</th>\r\n				<th>Interest Paid</th>\r\n				<th>Principal Paid</th>\r\n				<th class=\"monthlyPayments\">\r\n				<p>Mortgage Balance</p>\r\n				</th>\r\n			</tr>\r\n		</table>\r\n		<div id=\"fullTableContainer\">\r\n			<table id=\"fullTable\" ck-table=\"\" class=\"loanOutputTable\">\r\n			</table>\r\n		</div>\r\n</section>\r\n\r\n<section class=\"disclaimer\">\r\n<p>These calculations are approximate and for information purposes only. Actual payment amounts may differ and will be determined at the time of your application. Please do not rely solely on this information or result when making financial decisions; please speak with me directly to review your mortgage options.</p>\r\n\r\n<p>To make this calculation, a fixed interest rate over the entire amortization period is used. In reality I will renegotiate at the end of each mortgage term on your behalf; depending on the state of the economy and Bank of Canada lending rates, your mortgage rate will likely change.</p>\r\n\r\n<p>A minimum 5% down payment is required for a purchase price of $500,000 or less. For a purchase price between $500,000 and $1 million, the minimum down payment is 5% on the first $500,000 and 10% on the balance. Default 		insurance costs will apply. A home purchase price of greater than $1 million dollars is not eligible for mortgage default insurance and requires a minimum down payment of 20%.</p>\r\n</section>\r\n\r\n</div>\r\n<div class=\"clear\"></div>\r\n</div>\r\n</section>\r\n</main>','Mortgages Calculator','','inherit','closed','closed','','5265-revision-v1','','','2017-05-12 06:16:48','2017-05-12 06:16:48','',5265,'https://www.stevewhitemortgages.ca/2017/05/5265-revision-v1/',0,'revision','',0),(5323,1,'2017-05-12 17:20:22','2017-05-12 17:20:22','[gdlr_space height=\"20px\"]\n\n[gdlr_price_table columns=\"3\" ]\n[gdlr_tab title=\"Deluxe\" price=\"$39.99/mo\" link=\"#\" ]\n<ul>\n	<li>30 GB</li>\n	<li>12 Email Accounts</li>\n	<li>50 GB Bandwidth</li>\n	<li>Live Chat Support</li>\n	<li>Enchanced SSL Security</li>\n</ul>\n[/gdlr_tab]\n[gdlr_tab title=\"Premium\" price=\"$49.99/mo\" link=\"#\" active=\"yes\" ]\n<ul>\n	<li>30 GB</li>\n	<li>12 Email Accounts</li>\n	<li>50 GB Bandwidth</li>\n	<li>Live Chat Support</li>\n	<li>Enchanced SSL Security</li>\n</ul>\n[/gdlr_tab]\n[gdlr_tab title=\"Standard\" price=\"$59.99/mo\" link=\"#\" ]\n<ul>\n	<li>30 GB</li>\n	<li>12 Email Accounts</li>\n	<li>50 GB Bandwidth</li>\n	<li>Live Chat Support</li>\n	<li>Enchanced SSL Security</li>\n</ul>\n[/gdlr_tab]\n[/gdlr_price_table]\n\n[gdlr_space height=\"20px\"]\n\n[gdlr_code title=\"Get the code\" active=\"no\"]\n\n[gdlr_price_table columns=\"3\" ]\n[gdlr_tab title=\"Deluxe\" price=\"$39.99/mo\" link=\"#\" ]\n<ul>\n	<li>30 GB</li>\n	<li>12 Email Accounts</li>\n	<li>50 GB Bandwidth</li>\n	<li>Live Chat Support</li>\n	<li>Enchanced SSL Security</li>\n</ul>\n[/gdlr_tab]\n[gdlr_tab title=\"Premium\" price=\"$49.99/mo\" link=\"#\" active=\"yes\" ]\n<ul>\n	<li>30 GB</li>\n	<li>12 Email Accounts</li>\n	<li>50 GB Bandwidth</li>\n	<li>Live Chat Support</li>\n	<li>Enchanced SSL Security</li>\n</ul>\n[/gdlr_tab]\n[gdlr_tab title=\"Standard\" price=\"$59.99/mo\" link=\"#\" ]\n<ul>\n	<li>30 GB</li>\n	<li>12 Email Accounts</li>\n	<li>50 GB Bandwidth</li>\n	<li>Live Chat Support</li>\n	<li>Enchanced SSL Security</li>\n</ul>\n[/gdlr_tab]\n[/gdlr_price_table]\n\n[/gdlr_code]\n\n[gdlr_space height=\"80px\"]','Price Table','','inherit','closed','closed','','1400-autosave-v1','','','2017-05-12 17:20:22','2017-05-12 17:20:22','',1400,'https://www.stevewhitemortgages.ca/2017/05/1400-autosave-v1/',0,'revision','',0),(5273,1,'2017-05-12 04:15:52','2017-05-12 04:15:52','','alliancewhite','','inherit','closed','closed','','alliancewhite','','','2017-05-12 04:15:52','2017-05-12 04:15:52','',0,'https://www.stevewhitemortgages.ca/wp-content/uploads/2017/05/alliancewhite.png',0,'attachment','image/png',0),(5310,1,'2017-05-12 16:51:45','2017-05-12 16:51:45','<main ck-main=\"sidebar sidebar-responsive\">\r\n<section class=\"main\">\r\n<div id=\"financial-tools\">\r\n	<div id=\"aboutUs\">\r\n   \r\n\r\n<section id=\"tools-overview-title-section\">\r\n		<h5 ck-header=\"\">Use this calculator to calculate what your monthly mortgage payments will be and generate an amortization schedule. You can also quickly see how much interest you will pay, and your principal balances.</h5>\r\n</section>\r\n\r\n<section id=\"amortization-calculator-input\" ck-card=\"\">\r\n		<div class=\"calculatorGrayBox\" data-fh-impression=\"{&quot;section&quot;:&quot;AmortizationCalculatorInput&quot;,&quot;renderId&quot;:1930696002}\">\r\n\r\n<header>\r\n			<h2 ck-header=\"sub\">Mortgage Calculator </h2>\r\n</header>\r\n\r\n<form ck-form=\"\">\r\n\r\n<div class=\"row-2 clearfix formList\">\r\n<div class=\"col-1-2\"><label for=\"loanVal\"><div class=\"inputType\"><span ck-badge=\"\"><b>1</b></span> Mortgage Amount </div></label></div>\r\n<div class=\"col-1-2\">\r\n<div ck-textinput=\"currency\">\r\n<div ck-textinput=\"\"><input id=\"loanVal\" class=\"reg-input validatePositiveNumber pre-populated\" name=\"loanVal\" size=\"10\" type=\"text\" value=\"\"><span class=\"postInput\">$</span><p></p><div id=\"advice-loanVal\" class=\"validation-advice validation-failed\" style=\"\"></div></div></div>\r\n</div>\r\n</div>\r\n\r\n<div class=\"row-2 clearfix formList\">\r\n<div class=\"col-1-2\"><label for=\"rateVal\"><span ck-badge=\"\"><b>2</b> </span><div class=\"inputType\">Interest Rate </div></label></div>\r\n<div class=\"col-1-2\">\r\n<div ck-textinput=\"percentage\">\r\n<div ck-textinput=\"\">\r\n<input id=\"rateVal\" class=\"reg-input validatePositiveNumber pre-populated\" name=\"rateVal\" size=\"10\" type=\"text\" value=\"\"><span class=\"postInput\">%</span><div id=\"advice-rateVal\" class=\"validation-advice validation-failed\" style=\"\"></div></div></div>\r\n</div>\r\n</div>\r\n\r\n<div class=\"row-2 clearfix formList\">\r\n<div class=\"col-1-2\"><label for=\"yearVal\"><span ck-badge=\"\"><b>3</b> </span><div class=\"inputType\">Mortgage Length (25 and 30 years are most common) </div></label></div>\r\n<div class=\"col-1-2\">\r\n<div ck-textinput=\"years\"><div ck-textinput=\"\"> <input id=\"yearVal\" class=\"reg-input validatePositiveNumber pre-populated\" name=\"yearVal\" size=\"10\" type=\"text\" value=\"\"><div id=\"advice-yearVal\" class=\"validation-advice validation-failed\" style=\"\"></div></div></div>\r\n</div>\r\n</div>\r\n\r\n</form>\r\n\r\n</div>\r\n</section>\r\n\r\n<section class=\"calculatorSection\" ck-card=\"\">\r\n\r\n		<div id=\"amortization-calculator-output\" class=\"calculatorDetailBox\" data-fh-impression=\"{&quot;section&quot;:&quot;BaseCalculations&quot;,&quot;renderId&quot;:1984345888}\">\r\n			<h2 ck-header=\"sub\">Your Amortization Summary</h2>\r\n			<h3 ck-header=\"\">Base Calculations</h3>\r\n			<div class=\"calculationsTable\">\r\n				<table ck-table=\"\">\r\n					<thead>\r\n						<tr>\r\n							<th style=\"color: #1774ad; font-weight: bold;\">Monthly \r\n							Principal &amp; Interest</th>\r\n							<th>Number of Payments</th>\r\n							<th>Total Payments</th>\r\n							<th class=\"monthlyPayments\">Original Mortgage</th>\r\n						</tr>\r\n					</thead>\r\n					<tr>\r\n						<td id=\"colAmountBox\" data-label=\"Monthly Principal &amp; Interest\">\r\n						—</td>\r\n						<td id=\"colInterestBox\" data-label=\"Number of Payments\">\r\n						—</td>\r\n						<td id=\"colYearsBox\" data-label=\"Total Payments\">—</td>\r\n						<td id=\"payVal\" class=\"monthlyPayments\" data-label=\"Original Mortgage Amount\">\r\n						—</td>\r\n					</tr>\r\n				</table>\r\n			</div>\r\n		</div>\r\n		<div id=\"amortization-calculator-charts\" class=\"calculatorDetailBox\" data-fh-impression=\"{&quot;section&quot;:&quot;AdditionalAmortizationInformation&quot;,&quot;renderId&quot;:453871434}\">\r\n			<h3 ck-header=\"\">Additional amortization information</h3>\r\n			<div class=\"toolsChart firstToolsChart\">\r\n				<div id=\"amortizationChart\">\r\n					<img alt=\"Amortization Chart\" src=\"images/amortization.jpg\">\r\n					<p>This chart illustrates how balances decrease over time for \r\n					a fixed rate mortgage.</p>\r\n				</div>\r\n			</div>\r\n			<div class=\"toolsChart secondToolsChart\">\r\n				<div id=\"principalChart\">\r\n					<img alt=\"Principal Inactive Chart\" src=\"images/principal.jpg\">\r\n					<p>This chart shows how payments are split between principal \r\n					and interest payments over time.</p>\r\n				</div>\r\n			</div>\r\n		</div>\r\n</section>\r\n\r\n<section id=\"amortization-calculator-details\" class=\"calculator-details \" ck-card=\"\" data-fh-impression=\"{&quot;section&quot;:&quot;YourFullAmortizationSchedule&quot;,&quot;renderId&quot;:1211233021}\">\r\n<header>\r\n		<h2 ck-header=\"sub\">Your Full Amortization Schedule</h2>\r\n</header>\r\n		<table ck-table=\"\" class=\"loanOutputTable\">\r\n			<tr>\r\n				<th>Month/Year</th>\r\n				<th>Payment Amount</th>\r\n				<th>Interest Paid</th>\r\n				<th>Principal Paid</th>\r\n				<th class=\"monthlyPayments\">\r\n				<p>Mortgage Balance</p>\r\n				</th>\r\n			</tr>\r\n		</table>\r\n		<div id=\"fullTableContainer\">\r\n			<table id=\"fullTable\" ck-table=\"\" class=\"loanOutputTable\">\r\n			</table>\r\n		</div>\r\n</section>\r\n\r\n<section class=\"disclaimer\">\r\n		<p>These calculations are approximate and for information purposes only. Actual payment amounts may differ and will be determined at the time of 	your application. Please do not rely solely on this information or result when making financial decisions; please speak with me directly to review 	your mortgage options.</p>\r\n		\r\n		<p>To make this calculation, a fixed interest rate over the entire amortization period is used. In reality I will renegotiate at the end of each mortgage term on your behalf; depending on the state of the economy and Bank of Canada lending rates, your mortgage rate will likely change.</p>\r\n		\r\n		<p>A minimum 5% down payment is required for a purchase price of $500,000 or less. For a purchase price between $500,000 and $1 million, the minimum down payment is 5% on the first $500,000 and 10% on the balance. Default insurance costs will apply. A home purchase price of greater than $1 million dollars is not eligible for mortgage default insurance and requires a minimum down payment of 20%.</p>\r\n</section>\r\n\r\n	</div>\r\n	<div class=\"clear\"></div>\r\n</div>\r\n</section>\r\n</main>','Mortgages Calculator','','inherit','closed','closed','','5265-revision-v1','','','2017-05-12 16:51:45','2017-05-12 16:51:45','',5265,'https://www.stevewhitemortgages.ca/2017/05/5265-revision-v1/',0,'revision','',0),(5312,1,'2017-05-12 16:58:54','2017-05-12 16:58:54','<div>\r\n<h1 style=\"text-align: center;\"><span style=\"color: #d45704;\">Looking for the Best Mortgage Rates in Ontario?</span></h1>\r\n<h4 style=\"text-align: center;\">I find you the best mortgage rate for your situation, and goals - <strong>at no cost</strong>!</h4>\r\n</div>\r\n[gdlr_space height=\"20px\"]\r\n\r\n[gdlr_price_table columns=\"6\" ]\r\n[gdlr_tab title=\"\" price=\"Mortgage Term             \" ]\r\n<ul>\r\n 	<li>Variable</li>\r\n 	<li>1 yr</li>\r\n 	<li>2 yr</li>\r\n 	<li>3 yr</li>\r\n 	<li>4 yr</li>\r\n 	<li>5 yr</li>\r\n 	<li>6 yr</li>\r\n 	<li>7 yr</li>\r\n 	<li>10 yr</li>\r\n</ul>\r\n[/gdlr_tab]\r\n[gdlr_tab title=\"\" price=\"My Rates             \" ]\r\n<ul>\r\n 	<li>2.30%</li>\r\n 	<li>2.44%</li>\r\n 	<li>2.34%</li>\r\n 	<li>2.44%</li>\r\n 	<li>2.69%</li>\r\n 	<li>2.64%</li>\r\n 	<li>3.09%</li>\r\n 	<li>3.19%</li>\r\n 	<li>3.84%</li>\r\n</ul>\r\n[/gdlr_tab]\r\n[gdlr_tab title=\"\" price=\"Posted Rates\" ]\r\n<ul>\r\n 	<li>N/A</li>\r\n 	<li>3.10%</li>\r\n 	<li>3.35%</li>\r\n 	<li>3.85%</li>\r\n 	<li>4.64%</li>\r\n 	<li>4.79%</li>\r\n 	<li>6.35%</li>\r\n 	<li>6.35%</li>\r\n 	<li>6.75%</li>\r\n</ul>\r\n[/gdlr_tab]\r\n\r\n[gdlr_tab title=\"\" price=\"Difference             \" ]\r\n<ul>\r\n 	<li>N/A</li>\r\n 	<li>0.66%</li>\r\n 	<li>1.01%</li>\r\n 	<li>1.41%</li>\r\n 	<li>1.95%</li>\r\n 	<li>2.15%</li>\r\n 	<li>3.26%</li>\r\n 	<li>3.16%</li>\r\n 	<li>2.91%</li>\r\n</ul>\r\n[/gdlr_tab]\r\n[gdlr_tab title=\"\" price=\"Total Savings\" ]\r\n<ul>\r\n 	<li>N/A</li>\r\n 	<li>$178.14</li>\r\n 	<li>$1,761.53</li>\r\n 	<li>$4,520.70</li>\r\n 	<li>$7,920.58</li>\r\n 	<li>$14,348.25</li>\r\n 	<li>$24,160.55</li>\r\n 	<li>$26,277.80</li>\r\n 	<li>$41,146.87</li>\r\n</ul>\r\n[/gdlr_tab]\r\n[gdlr_tab title=\"\" price=\"Annual Savings\" ]\r\n<ul>\r\n 	<li>N/A</li>\r\n 	<li>$178.14</li>\r\n 	<li>$880.77</li>\r\n 	<li>$4,520.70</li>\r\n 	<li>$1,980.14</li>\r\n 	<li>$2,869.65</li>\r\n 	<li>$4,026.76</li>\r\n 	<li>$3,753.97</li>\r\n 	<li>$4,114.69</li>\r\n</ul>\r\n[/gdlr_tab]\r\n\r\n[/gdlr_price_table]\r\n\r\n[gdlr_space height=\"40px\"]\r\n\r\n<em>*Savings are based on a mortgage of $300,000.</em>\r\nNote: Rates are subject to change and OAC. Certain terms and conditions apply.\r\n<h2></h2>\r\n<h2 style=\"text-align: center;\"><span style=\"color: #d45704;\">Getting the best mortgage rate</span></h2>\r\nPlease note that the rates above are subject to approval and are not available to all lenders. There are numerous factors that come into play when getting a great rate from a mortgage lender. Here are a few key points:\r\n<ul>\r\n 	<li>Credit Score</li>\r\n 	<li>Down payment amount</li>\r\n 	<li>Other properties owned</li>\r\n 	<li>Your employment type</li>\r\n 	<li>Purpose - personal residence or investment property</li>\r\n 	<li>Property Location</li>\r\n 	<li>Mortgage Terms</li>\r\n</ul>\r\nTo find out the best rates and terms for you, call me at - 905.903.4799 or <a href=\"mailto:swhite@mortgagealliance.com\">email Steve White</a>\r\n\r\n&nbsp;','Mortgage Rates','','publish','closed','closed','','best-ontario-mortgage-rates','','','2017-06-11 05:04:25','2017-06-11 05:04:25','',0,'https://www.stevewhitemortgages.ca/?page_id=5312',0,'page','',0),(5351,1,'2017-05-12 17:33:55','2017-05-12 17:33:55','<div>\r\n<h3>Looking for the Best Rates?\r\nOurs can be as low as *1.89% <span class=\"editorsmalltext\">(some conditions apply)</span></h3>\r\n<h4>We’ll find you the best mortgage rate for your situation, FOR FREE</h4>\r\n</div>\r\n[gdlr_heading tag=\"h3\" size=\"32px\" color=\"#ffffff\" background=\"#8ed345\" font_weight=\"bold\"]Heading With Background[/gdlr_heading]\r\n\r\n[gdlr_space height=\"20px\"]\r\n\r\n[gdlr_price_table columns=\"6\" ]\r\n[gdlr_tab title=\"\" price=\"Mortgage Term   &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\" ]\r\n<ul>\r\n<li>Variable</li>\r\n<li>1 yr</li>\r\n<li>2 yr</li>\r\n<li>3 yr</li>\r\n<li>4 yr</li>\r\n<li>5 yr</li>\r\n<li>6 yr</li>\r\n<li>7 yr</li>\r\n<li>10 yr</li>\r\n</ul>\r\n[/gdlr_tab]\r\n[gdlr_tab title=\"\" price=\"Our (APR)   &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\" ]\r\n<ul>\r\n<li>2.30%</li>\r\n<li>2.44%</li>\r\n<li>2.34%</li>\r\n<li>2.44%</li>\r\n<li>2.69%</li>\r\n<li>2.64%</li>\r\n<li>3.09%</li>\r\n<li>3.19%</li>\r\n<li>3.84%</li>\r\n</ul>\r\n[/gdlr_tab]\r\n[gdlr_tab title=\"\" price=\"Banks Posted Rates\" ]\r\n<ul>\r\n<li>N/A</li>\r\n<li>3.10%</li>\r\n<li>3.35%</li>\r\n<li>3.85%</li>\r\n<li>4.64%</li>\r\n<li>4.79%</li>\r\n<li>6.35%</li>\r\n<li>6.35%</li>\r\n<li>6.75%</li>\r\n</ul>\r\n[/gdlr_tab]\r\n\r\n[gdlr_tab title=\"\" price=\"Difference   &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\" ]\r\n<ul>\r\n<li>N/A</li>\r\n<li>0.66%</li>\r\n<li>1.01%</li>\r\n<li>1.41%</li>\r\n<li>1.95%</li>\r\n<li>2.15%</li>\r\n<li>3.26%</li>\r\n<li>3.16%</li>\r\n<li>2.91%</li>\r\n</ul>\r\n[/gdlr_tab]\r\n[gdlr_tab title=\"\" price=\"Interest You Save Per Term*\" ]\r\n<ul>\r\n<li>N/A</li>\r\n<li>$178.14</li>\r\n<li>$1,761.53</li>\r\n<li>$4,520.70</li>\r\n<li>$7,920.58</li>\r\n<li>$14,348.25</li>\r\n<li>$24,160.55</li>\r\n<li>$26,277.80</li>\r\n<li>$41,146.87</li>\r\n</ul>\r\n[/gdlr_tab]\r\n[gdlr_tab title=\"\" price=\"Interest You Save Per Year*\" ]\r\n<ul>\r\n<li>N/A</li>\r\n<li>$178.14</li>\r\n<li>$880.77</li>\r\n<li>$4,520.70</li>\r\n<li>$1,980.14</li>\r\n<li>$2,869.65</li>\r\n<li>$4,026.76</li>\r\n<li>$3,753.97</li>\r\n<li>$4,114.69</li>\r\n</ul>\r\n[/gdlr_tab]\r\n\r\n\r\n[/gdlr_price_table]\r\n\r\n[gdlr_space height=\"20px\"]','Mortgage Rates','','inherit','closed','closed','','5312-revision-v1','','','2017-05-12 17:33:55','2017-05-12 17:33:55','',5312,'https://www.stevewhitemortgages.ca/2017/05/5312-revision-v1/',0,'revision','',0),(5350,1,'2017-05-12 17:33:02','2017-05-12 17:33:02','<div>\r\n<h3>Looking for the Best Rates?\r\nOurs can be as low as *1.89% <span class=\"editorsmalltext\">(some conditions apply)</span></h3>\r\n<h4>We’ll find you the best mortgage rate for your situation, FOR FREE</h4>\r\n</div>\r\n[gdlr_heading tag=\"h3\" size=\"32px\" color=\"#ffffff\" background=\"#8ed345\" font_weight=\"bold\"]Heading With Background[/gdlr_heading]\r\n\r\n[gdlr_space height=\"20px\"]\r\n\r\n[gdlr_price_table columns=\"6\" ]\r\n[gdlr_tab title=\"\" price=\"Mortgage Term   &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\" ]\r\n<ul>\r\n<li>Variable</li>\r\n<li>1 yr</li>\r\n<li>2 yr</li>\r\n<li>3 yr</li>\r\n<li>4 yr</li>\r\n<li>5 yr</li>\r\n<li>6 yr</li>\r\n<li>7 yr</li>\r\n<li>10 yr</li>\r\n</ul>\r\n[/gdlr_tab]\r\n[gdlr_tab title=\"\" price=\"Our (APR)   &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\" ]\r\n<ul>\r\n<li>2.30%</li>\r\n<li>2.44%</li>\r\n<li>2.34%</li>\r\n<li>2.44%</li>\r\n<li>2.69%</li>\r\n<li>2.64%</li>\r\n<li>3.09%</li>\r\n<li>3.19%</li>\r\n<li>3.84%</li>\r\n</ul>\r\n[/gdlr_tab]\r\n[gdlr_tab title=\"\" price=\"Banks Posted Rates\" ]\r\n<ul>\r\n<li>N/A</li>\r\n<li>3.10%</li>\r\n<li>3.35%</li>\r\n<li>3.85%</li>\r\n<li>4.64%</li>\r\n<li>4.79%</li>\r\n<li>6.35%</li>\r\n<li>6.35%</li>\r\n<li>6.75%</li>\r\n</ul>\r\n[/gdlr_tab]\r\n\r\n[gdlr_tab title=\"\" price=\"Difference   &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\" ]\r\n<ul>\r\n<li>N/A</li>\r\n<li>0.66%</li>\r\n<li>1.01%</li>\r\n<li>1.41%</li>\r\n<li>1.95%</li>\r\n<li>2.15%</li>\r\n<li>3.26%</li>\r\n<li>3.16%</li>\r\n<li>2.91%</li>\r\n</ul>\r\n[/gdlr_tab]\r\n[gdlr_tab title=\"\" price=\"Interest You Save Per Term*\" ]\r\n<ul>\r\n<li>N/A</li>\r\n<li>$178.14</li>\r\n<li>$1,761.53</li>\r\n<li>$4,520.70</li>\r\n<li>$7,920.58</li>\r\n<li>$14,348.25</li>\r\n<li>$24,160.55</li>\r\n<li>$26,277.80</li>\r\n<li>$41,146.87</li>\r\n</ul>\r\n[/gdlr_tab]\r\n[gdlr_tab title=\"\" price=\"Interest You Save Per Year*\" ]\r\n<ul>\r\n<li>1</li>\r\n<li>2 Email Accounts</li>\r\n<li>30 GB Bandwidth</li>\r\n<li>4ive Chat Support</li>\r\n<li>5nchanced SSL Security</li>\r\n<li>60 GB</li>\r\n<li>72 Email Accounts</li>\r\n<li>80 GB Bandwidth</li>\r\n<li>9ive Chat Support</li>\r\n</ul>\r\n[/gdlr_tab]\r\n\r\n\r\n[/gdlr_price_table]\r\n\r\n[gdlr_space height=\"20px\"]','Mortgage Rates','','inherit','closed','closed','','5312-revision-v1','','','2017-05-12 17:33:02','2017-05-12 17:33:02','',5312,'https://www.stevewhitemortgages.ca/2017/05/5312-revision-v1/',0,'revision','',0),(5389,1,'2017-06-12 16:24:06','2017-06-12 16:24:06','&nbsp;\r\n\r\n<section class=\"main\">\r\n<div id=\"financial-tools\">\r\n<div id=\"aboutUs\"><section id=\"tools-overview-title-section\">\r\n<h5>Use this calculator to calculate what your monthly mortgage payments will be and generate an amortization schedule. You can also quickly see how much interest you will pay, and your principal balances.</h5>\r\n</section><section id=\"amortization-calculator-input\">\r\n<div class=\"calculatorGrayBox\" data-fh-impression=\"{&quot;section&quot;:&quot;AmortizationCalculatorInput&quot;,&quot;renderId&quot;:1930696002}\"><header>\r\n<h2>Mortgage Calculator</h2>\r\n</header><form>\r\n<div class=\"row-2 clearfix formList\">\r\n<div class=\"col-1-2\">\r\n\r\n&nbsp;\r\n<div class=\"inputType\"><b>1</b> Mortgage Amount</div>\r\n&nbsp;\r\n\r\n</div>\r\n<div class=\"col-1-2\">\r\n<div>\r\n<div>\r\n\r\n<input id=\"loanVal\" class=\"reg-input validatePositiveNumber pre-populated\" name=\"loanVal\" size=\"10\" type=\"text\" value=\"\" /><span class=\"postInput\">$</span>\r\n<div id=\"advice-loanVal\" class=\"validation-advice validation-failed\"></div>\r\n</div>\r\n</div>\r\n</div>\r\n</div>\r\n<div class=\"row-2 clearfix formList\">\r\n<div class=\"col-1-2\">\r\n\r\n<label for=\"rateVal\"><b>2</b> </label>\r\n<div class=\"inputType\">Interest Rate</div>\r\n&nbsp;\r\n\r\n</div>\r\n<div class=\"col-1-2\">\r\n<div>\r\n<div>\r\n\r\n<input id=\"rateVal\" class=\"reg-input validatePositiveNumber pre-populated\" name=\"rateVal\" size=\"10\" type=\"text\" value=\"\" /><span class=\"postInput\">%</span>\r\n<div id=\"advice-rateVal\" class=\"validation-advice validation-failed\"></div>\r\n</div>\r\n</div>\r\n</div>\r\n</div>\r\n<div class=\"row-2 clearfix formList\">\r\n<div class=\"col-1-2\">\r\n\r\n<label for=\"yearVal\"><b>3</b> </label>\r\n<div class=\"inputType\">Mortgage Length (25 and 30 years are most common)</div>\r\n&nbsp;\r\n\r\n</div>\r\n<div class=\"col-1-2\">\r\n<div>\r\n<div>\r\n\r\n<input id=\"yearVal\" class=\"reg-input validatePositiveNumber pre-populated\" name=\"yearVal\" size=\"10\" type=\"text\" value=\"\" />\r\n<div id=\"advice-yearVal\" class=\"validation-advice validation-failed\"></div>\r\n</div>\r\n</div>\r\n</div>\r\n</div>\r\n</form></div>\r\n</section><section class=\"calculatorSection\">\r\n<div id=\"amortization-calculator-output\" class=\"calculatorDetailBox\" data-fh-impression=\"{&quot;section&quot;:&quot;BaseCalculations&quot;,&quot;renderId&quot;:1984345888}\">\r\n<h2>Your Amortization Summary</h2>\r\n<h3>Base Calculations</h3>\r\n<div class=\"calculationsTable\">\r\n<table>\r\n<thead>\r\n<tr>\r\n<th style=\"color: #1774ad; font-weight: bold;\">Monthly\r\nPrincipal &amp; Interest</th>\r\n<th>Number of Payments</th>\r\n<th>Total Payments</th>\r\n<th class=\"monthlyPayments\">Original Mortgage</th>\r\n</tr>\r\n</thead>\r\n<tbody>\r\n<tr>\r\n<td id=\"colAmountBox\" data-label=\"Monthly Principal &amp; Interest\">—</td>\r\n<td id=\"colInterestBox\" data-label=\"Number of Payments\">—</td>\r\n<td id=\"colYearsBox\" data-label=\"Total Payments\">—</td>\r\n<td id=\"payVal\" class=\"monthlyPayments\" data-label=\"Original Mortgage Amount\">—</td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</div>\r\n</div>\r\n<div id=\"amortization-calculator-charts\" class=\"calculatorDetailBox\" data-fh-impression=\"{&quot;section&quot;:&quot;AdditionalAmortizationInformation&quot;,&quot;renderId&quot;:453871434}\">\r\n<h3>Additional amortization information</h3>\r\n<div class=\"toolsChart firstToolsChart\">\r\n<div id=\"amortizationChart\"><img src=\"https://www.stevewhitemortgages.ca/wp-content/themes/finanza/images/amortization.jpg\" alt=\"Amortization Chart\" />This chart illustrates how balances decrease over time for\r\na fixed rate mortgage.</div>\r\n</div>\r\n<div class=\"toolsChart secondToolsChart\">\r\n<div id=\"principalChart\"><img src=\"https://www.stevewhitemortgages.ca/wp-content/themes/finanza/images/principal.jpg\" alt=\"Principal Inactive Chart\" />This chart shows how payments are split between principal\r\nand interest payments over time.</div>\r\n</div>\r\n</div>\r\n</section><section id=\"amortization-calculator-details\" class=\"calculator-details \" data-fh-impression=\"{&quot;section&quot;:&quot;YourFullAmortizationSchedule&quot;,&quot;renderId&quot;:1211233021}\"><header>\r\n<h2>Your Full Amortization Schedule</h2>\r\n</header>\r\n<table class=\"loanOutputTable\">\r\n<tbody>\r\n<tr>\r\n<th>Month/Year</th>\r\n<th>Payment Amount</th>\r\n<th>Interest Paid</th>\r\n<th>Principal Paid</th>\r\n<th class=\"monthlyPayments\">Mortgage Balance</th>\r\n</tr>\r\n</tbody>\r\n</table>\r\n<div id=\"fullTableContainer\"></div>\r\n</section><section class=\"disclaimer\">These calculations are approximate and for information purposes only. Actual payment amounts may differ and will be determined at the time of your application. Please do not rely solely on this information or result when making financial decisions; please speak with me directly to review your mortgage options.To make this calculation, a fixed interest rate over the entire amortization period is used. In reality I will renegotiate at the end of each mortgage term on your behalf; depending on the state of the economy and Bank of Canada lending rates, your mortgage rate will likely change.A minimum 5% down payment is required for a purchase price of $500,000 or less. For a purchase price between $500,000 and $1 million, the minimum down payment is 5% on the first $500,000 and 10% on the balance. Default insurance costs will apply. A home purchase price of greater than $1 million dollars is not eligible for mortgage default insurance and requires a minimum down payment of 20%.</section></div>\r\n<div class=\"clear\"></div>\r\n</div>\r\n</section>&nbsp;','Mortgages Calculator Ontario','','inherit','closed','closed','','5265-revision-v1','','','2017-06-12 16:24:06','2017-06-12 16:24:06','',5265,'https://www.stevewhitemortgages.ca/2017/06/5265-revision-v1/',0,'revision','',0),(5349,1,'2017-05-12 17:31:36','2017-05-12 17:31:36','<div>\r\n<h3>Looking for the Best Rates?\r\nOurs can be as low as *1.89% <span class=\"editorsmalltext\">(some conditions apply)</span></h3>\r\n<h4>We’ll find you the best mortgage rate for your situation, FOR FREE</h4>\r\n</div>\r\n[gdlr_heading tag=\"h3\" size=\"32px\" color=\"#ffffff\" background=\"#8ed345\" font_weight=\"bold\"]Heading With Background[/gdlr_heading]\r\n\r\n[gdlr_space height=\"20px\"]\r\n\r\n[gdlr_price_table columns=\"6\" ]\r\n[gdlr_tab title=\"\" price=\"Mortgage Term   &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\" ]\r\n<ul>\r\n<li>Variable</li>\r\n<li>1 yr</li>\r\n<li>2 yr</li>\r\n<li>3 yr</li>\r\n<li>4 yr</li>\r\n<li>5 yr</li>\r\n<li>6 yr</li>\r\n<li>7 yr</li>\r\n<li>10 yr</li>\r\n</ul>\r\n[/gdlr_tab]\r\n[gdlr_tab title=\"\" price=\"Our (APR)   &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\" ]\r\n<ul>\r\n<li>2.30%</li>\r\n<li>2.44%</li>\r\n<li>2.34%</li>\r\n<li>2.44%</li>\r\n<li>2.69%</li>\r\n<li>2.64%</li>\r\n<li>3.09%</li>\r\n<li>3.19%</li>\r\n<li>3.84%</li>\r\n</ul>\r\n[/gdlr_tab]\r\n[gdlr_tab title=\"\" price=\"Banks Posted Rates\" ]\r\n<ul>\r\n<li>N/A</li>\r\n<li>3.10%</li>\r\n<li>3.35%</li>\r\n<li>3.85%</li>\r\n<li>4.64%</li>\r\n<li>4.79%</li>\r\n<li>6.35%</li>\r\n<li>6.35%</li>\r\n<li>6.75%</li>\r\n</ul>\r\n[/gdlr_tab]\r\n\r\n[gdlr_tab title=\"\" price=\"Difference   &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\" ]\r\n<ul>\r\n<li>N/A</li>\r\n<li>0.66%</li>\r\n<li>1.01%</li>\r\n<li>1.41%</li>\r\n<li>1.95%</li>\r\n<li>2.15%</li>\r\n<li>3.26%</li>\r\n<li>3.16%</li>\r\n<li>2.91%</li>\r\n</ul>\r\n[/gdlr_tab]\r\n[gdlr_tab title=\"\" price=\"Interest You Save Per Term*\" ]\r\n<ul>\r\n<li>1</li>\r\n<li>2 Email Accounts</li>\r\n<li>30 GB Bandwidth</li>\r\n<li>4ive Chat Support</li>\r\n<li>5nchanced SSL Security</li>\r\n<li>60 GB</li>\r\n<li>72 Email Accounts</li>\r\n<li>80 GB Bandwidth</li>\r\n<li>9ive Chat Support</li>\r\n</ul>\r\n[/gdlr_tab]\r\n[gdlr_tab title=\"\" price=\"Interest You Save Per Year*\" ]\r\n<ul>\r\n<li>1</li>\r\n<li>2 Email Accounts</li>\r\n<li>30 GB Bandwidth</li>\r\n<li>4ive Chat Support</li>\r\n<li>5nchanced SSL Security</li>\r\n<li>60 GB</li>\r\n<li>72 Email Accounts</li>\r\n<li>80 GB Bandwidth</li>\r\n<li>9ive Chat Support</li>\r\n</ul>\r\n[/gdlr_tab]\r\n\r\n\r\n[/gdlr_price_table]\r\n\r\n[gdlr_space height=\"20px\"]','Mortgage Rates','','inherit','closed','closed','','5312-revision-v1','','','2017-05-12 17:31:36','2017-05-12 17:31:36','',5312,'https://www.stevewhitemortgages.ca/2017/05/5312-revision-v1/',0,'revision','',0),(5385,1,'2017-06-12 15:45:54','2017-06-12 15:45:54','Steve White Mortgage Broker Mortgage Agent Mortgage Alliance Logo','Steve_white_mortgage_agent','Steve White Mortgage Broker Mortgage Agent Mortgage Alliance','inherit','closed','closed','','steve_white_mortgage_agent','','','2017-06-12 15:46:17','2017-06-12 15:46:17','',0,'https://www.stevewhitemortgages.ca/wp-content/uploads/2017/06/Steve_white_mortgage_agent.gif',0,'attachment','image/gif',0),(5386,1,'2017-06-12 16:15:49','2017-06-12 16:15:49','<h1><span style=\"color: #e66a1e;\">Mortgage Broker Serving Ontario</span></h1>\r\n<div class=\"service-slideshow-content\">\r\n\r\n<span style=\"color: #808080;\">My name is Steve White and I’m a licensed mortgage agent with Mortgage Alliance – Canada’s Mortgage Company.</span>\r\n\r\n<span style=\"color: #808080;\">I help ensure everyday Canadians have the best possible mortgage, with the best possible rates and terms. I proudly do my best to keep more money in my client’s pockets and out of the bank’s coffers.</span>\r\n\r\n<span style=\"color: #808080;\">As a Mortgage Alliance agent, I work with over 60 mortgage lenders, including your own bank. We’re able to use our credibility and experience to get the best mortgage terms and rates to suit your needs and situation</span>\r\n\r\n<span style=\"color: #808080;\"> A good mortgage broker can help plan your mortgage around your long term goals, as well as short term life events – from helping pay for your child’s college/university, catching up on retirement savings to being mortgage free sooner.</span>\r\n<span style=\"color: #808080;\"> </span>\r\n<span style=\"color: #808080;\">Mortgage agents are there to help from before you even start to house shop, through packaging your financials, finding the right lender with the best rates/terms, overseeing the appraisal values and inspections, ensuring you’re not overbidding, checking in with your Realtor and lawyer and keeping all the financials running smoothly until you receive your keys.</span>\r\n\r\n</div>','homepage','','inherit','closed','closed','','4547-revision-v1','','','2017-06-12 16:15:49','2017-06-12 16:15:49','',4547,'https://www.stevewhitemortgages.ca/2017/06/4547-revision-v1/',0,'revision','',0),(5387,1,'2017-06-12 16:17:38','2017-06-12 16:17:38','<h1><span style=\"color: #e66a1e;\">Mortgage Broker Serving Ontario</span></h1>\r\n<div class=\"service-slideshow-content\">\r\n\r\n<span style=\"color: #808080;\">My name is Steve White and I’m a licensed mortgage agent with Mortgage Alliance – Canada’s Mortgage Company.</span>\r\n\r\n<span style=\"color: #808080;\">I help ensure everyday Canadians have the best possible mortgage, with the best possible rates and terms. I proudly do my best to keep more money in my client’s pockets and out of the bank’s coffers.</span>\r\n\r\n<span style=\"color: #808080;\">As a Mortgage Alliance agent, I work with over 60 mortgage lenders, including your own bank. We’re able to use our credibility and experience to get the best mortgage terms and rates to suit your needs and situation</span>\r\n\r\n<span style=\"color: #808080;\"> A good mortgage broker can help plan your mortgage around your long term goals, as well as short term life events – from helping pay for your child’s college/university, catching up on retirement savings to being mortgage free sooner.</span>\r\n<span style=\"color: #808080;\"> </span>\r\n<span style=\"color: #808080;\">Mortgage agents are there to help from before you even start to house shop, through packaging your financials, finding the right lender with the best rates/terms, overseeing the appraisal values and inspections, ensuring you’re not overbidding, checking in with your Realtor and lawyer and keeping all the financials running smoothly until you receive your keys.</span>\r\n\r\n</div>\r\n<span style=\"color: #808080;\">With interest rates at an all-time low, now is the ideal time to review your current mortgage and see if there’s a better deal out there. Even if you have several years left on your existing mortgage, I can help review your options to keep more money in your pocket.</span>\r\n\r\n<span style=\"color: #808080;\">Don’t sign your mortgage renewal without seeing what other options are out there. Most often there’s a better deal out there giving you better terms or lower rates. It’s worth an hour or two of your time to potentially save yourself and your family thousands of dollars a year.</span>\r\n\r\n<span style=\"color: #808080;\">Contact me to help find a solution to mounting debts before they damage your credit for years. I can help avoid power of sale, reduce your debt payments or find temporary funds to ease the pressure.</span>\r\n\r\n<span style=\"color: #808080;\">Before you head out shopping for your dream home, let me ensure you’re in the best possible financial position to make an offer.</span>','homepage','','inherit','closed','closed','','4547-revision-v1','','','2017-06-12 16:17:38','2017-06-12 16:17:38','',4547,'https://www.stevewhitemortgages.ca/2017/06/4547-revision-v1/',0,'revision','',0),(5384,1,'2017-06-11 07:31:22','2017-06-11 07:31:22','&nbsp;\r\n\r\n<section class=\"main\">\r\n<div id=\"financial-tools\">\r\n<div id=\"aboutUs\"><section id=\"tools-overview-title-section\">\r\n<h5>Use this calculator to calculate what your monthly mortgage payments will be and generate an amortization schedule. You can also quickly see how much interest you will pay, and your principal balances.</h5>\r\n</section><section id=\"amortization-calculator-input\">\r\n<div class=\"calculatorGrayBox\" data-fh-impression=\"{&quot;section&quot;:&quot;AmortizationCalculatorInput&quot;,&quot;renderId&quot;:1930696002}\"><header>\r\n<h2>Mortgage Calculator</h2>\r\n</header><form>\r\n<div class=\"row-2 clearfix formList\">\r\n<div class=\"col-1-2\">\r\n\r\n&nbsp;\r\n<div class=\"inputType\"><b>1</b> Mortgage Amount</div>\r\n&nbsp;\r\n\r\n</div>\r\n<div class=\"col-1-2\">\r\n<div>\r\n<div>\r\n\r\n<input id=\"loanVal\" class=\"reg-input validatePositiveNumber pre-populated\" name=\"loanVal\" size=\"10\" type=\"text\" value=\"\" /><span class=\"postInput\">$</span>\r\n<div id=\"advice-loanVal\" class=\"validation-advice validation-failed\"></div>\r\n</div>\r\n</div>\r\n</div>\r\n</div>\r\n<div class=\"row-2 clearfix formList\">\r\n<div class=\"col-1-2\">\r\n\r\n<label for=\"rateVal\"><b>2</b> </label>\r\n<div class=\"inputType\">Interest Rate</div>\r\n&nbsp;\r\n\r\n</div>\r\n<div class=\"col-1-2\">\r\n<div>\r\n<div>\r\n\r\n<input id=\"rateVal\" class=\"reg-input validatePositiveNumber pre-populated\" name=\"rateVal\" size=\"10\" type=\"text\" value=\"\" /><span class=\"postInput\">%</span>\r\n<div id=\"advice-rateVal\" class=\"validation-advice validation-failed\"></div>\r\n</div>\r\n</div>\r\n</div>\r\n</div>\r\n<div class=\"row-2 clearfix formList\">\r\n<div class=\"col-1-2\">\r\n\r\n<label for=\"yearVal\"><b>3</b> </label>\r\n<div class=\"inputType\">Mortgage Length (25 and 30 years are most common)</div>\r\n&nbsp;\r\n\r\n</div>\r\n<div class=\"col-1-2\">\r\n<div>\r\n<div>\r\n\r\n<input id=\"yearVal\" class=\"reg-input validatePositiveNumber pre-populated\" name=\"yearVal\" size=\"10\" type=\"text\" value=\"\" />\r\n<div id=\"advice-yearVal\" class=\"validation-advice validation-failed\"></div>\r\n</div>\r\n</div>\r\n</div>\r\n</div>\r\n</form></div>\r\n</section><section class=\"calculatorSection\">\r\n<div id=\"amortization-calculator-output\" class=\"calculatorDetailBox\" data-fh-impression=\"{&quot;section&quot;:&quot;BaseCalculations&quot;,&quot;renderId&quot;:1984345888}\">\r\n<h2>Your Amortization Summary</h2>\r\n<h3>Base Calculations</h3>\r\n<div class=\"calculationsTable\">\r\n<table>\r\n<thead>\r\n<tr>\r\n<th style=\"color: #1774ad; font-weight: bold;\">Monthly\r\nPrincipal &amp; Interest</th>\r\n<th>Number of Payments</th>\r\n<th>Total Payments</th>\r\n<th class=\"monthlyPayments\">Original Mortgage</th>\r\n</tr>\r\n</thead>\r\n<tbody>\r\n<tr>\r\n<td id=\"colAmountBox\" data-label=\"Monthly Principal &amp; Interest\">—</td>\r\n<td id=\"colInterestBox\" data-label=\"Number of Payments\">—</td>\r\n<td id=\"colYearsBox\" data-label=\"Total Payments\">—</td>\r\n<td id=\"payVal\" class=\"monthlyPayments\" data-label=\"Original Mortgage Amount\">—</td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</div>\r\n</div>\r\n<div id=\"amortization-calculator-charts\" class=\"calculatorDetailBox\" data-fh-impression=\"{&quot;section&quot;:&quot;AdditionalAmortizationInformation&quot;,&quot;renderId&quot;:453871434}\">\r\n<h3>Additional amortization information</h3>\r\n<div class=\"toolsChart firstToolsChart\">\r\n<div id=\"amortizationChart\"><img src=\"https://www.stevewhitemortgages.ca/wp-content/themes/finanza/images/amortization.jpg\" alt=\"Amortization Chart\" />This chart illustrates how balances decrease over time for\r\na fixed rate mortgage.</div>\r\n</div>\r\n<div class=\"toolsChart secondToolsChart\">\r\n<div id=\"principalChart\"><img src=\"https://www.stevewhitemortgages.ca/wp-content/themes/finanza/images/principal.jpg\" alt=\"Principal Inactive Chart\" />This chart shows how payments are split between principal\r\nand interest payments over time.</div>\r\n</div>\r\n</div>\r\n</section><section id=\"amortization-calculator-details\" class=\"calculator-details \" data-fh-impression=\"{&quot;section&quot;:&quot;YourFullAmortizationSchedule&quot;,&quot;renderId&quot;:1211233021}\"><header>\r\n<h2>Your Full Amortization Schedule</h2>\r\n</header>\r\n<table class=\"loanOutputTable\">\r\n<tbody>\r\n<tr>\r\n<th>Month/Year</th>\r\n<th>Payment Amount</th>\r\n<th>Interest Paid</th>\r\n<th>Principal Paid</th>\r\n<th class=\"monthlyPayments\">Mortgage Balance</th>\r\n</tr>\r\n</tbody>\r\n</table>\r\n<div id=\"fullTableContainer\"></div>\r\n</section><section class=\"disclaimer\">These calculations are approximate and for information purposes only. Actual payment amounts may differ and will be determined at the time of your application. Please do not rely solely on this information or result when making financial decisions; please speak with me directly to review your mortgage options.To make this calculation, a fixed interest rate over the entire amortization period is used. In reality I will renegotiate at the end of each mortgage term on your behalf; depending on the state of the economy and Bank of Canada lending rates, your mortgage rate will likely change.A minimum 5% down payment is required for a purchase price of $500,000 or less. For a purchase price between $500,000 and $1 million, the minimum down payment is 5% on the first $500,000 and 10% on the balance. Default insurance costs will apply. A home purchase price of greater than $1 million dollars is not eligible for mortgage default insurance and requires a minimum down payment of 20%.\r\n\r\n</section></div>\r\n<div class=\"clear\"></div>\r\n</div>\r\n</section>&nbsp;','Mortgages Calculator','','inherit','closed','closed','','5265-revision-v1','','','2017-06-11 07:31:22','2017-06-11 07:31:22','',5265,'https://www.stevewhitemortgages.ca/2017/06/5265-revision-v1/',0,'revision','',0),(5296,1,'2017-05-12 06:26:25','2017-05-12 06:26:25','','Slider Test','','publish','closed','closed','','slider-test','','','2017-05-12 07:24:18','2017-05-12 07:24:18','',0,'https://www.stevewhitemortgages.ca/?page_id=5296',0,'page','',0),(5297,1,'2017-05-12 06:26:25','2017-05-12 06:26:25','','Slider Test','','inherit','closed','closed','','5296-revision-v1','','','2017-05-12 06:26:25','2017-05-12 06:26:25','',5296,'https://www.stevewhitemortgages.ca/2017/05/5296-revision-v1/',0,'revision','',0),(5298,1,'2017-05-12 06:26:59','2017-05-12 06:26:59','','Slider Test','','inherit','closed','closed','','5296-revision-v1','','','2017-05-12 06:26:59','2017-05-12 06:26:59','',5296,'https://www.stevewhitemortgages.ca/2017/05/5296-revision-v1/',0,'revision','',0),(5299,1,'2017-05-12 06:37:54','2017-05-12 06:37:54','','Slider Test','','inherit','closed','closed','','5296-revision-v1','','','2017-05-12 06:37:54','2017-05-12 06:37:54','',5296,'https://www.stevewhitemortgages.ca/2017/05/5296-revision-v1/',0,'revision','',0),(5300,1,'2017-05-12 06:51:52','2017-05-12 06:51:52','','Slider Test','','inherit','closed','closed','','5296-revision-v1','','','2017-05-12 06:51:52','2017-05-12 06:51:52','',5296,'https://www.stevewhitemortgages.ca/2017/05/5296-revision-v1/',0,'revision','',0),(5301,1,'2017-05-12 07:09:34','2017-05-12 07:09:34','','Slider Test','','inherit','closed','closed','','5296-revision-v1','','','2017-05-12 07:09:34','2017-05-12 07:09:34','',5296,'https://www.stevewhitemortgages.ca/2017/05/5296-revision-v1/',0,'revision','',0),(5302,1,'2017-05-12 07:14:44','2017-05-12 07:14:44','','Slider Test','','inherit','closed','closed','','5296-revision-v1','','','2017-05-12 07:14:44','2017-05-12 07:14:44','',5296,'https://www.stevewhitemortgages.ca/2017/05/5296-revision-v1/',0,'revision','',0),(5303,1,'2017-05-12 07:24:18','2017-05-12 07:24:18','','Slider Test','','inherit','closed','closed','','5296-revision-v1','','','2017-05-12 07:24:18','2017-05-12 07:24:18','',5296,'https://www.stevewhitemortgages.ca/2017/05/5296-revision-v1/',0,'revision','',0),(5304,1,'2017-05-12 08:17:35','2017-05-12 08:17:35','','slider-1','','inherit','closed','closed','','slider-1','','','2017-05-12 08:17:35','2017-05-12 08:17:35','',0,'https://www.stevewhitemortgages.ca/wp-content/uploads/2017/05/slider-1.jpg',0,'attachment','image/jpeg',0),(5305,1,'2017-05-12 08:17:59','2017-05-12 08:17:59','','slider-2','','inherit','closed','closed','','slider-2-2','','','2017-05-12 08:17:59','2017-05-12 08:17:59','',0,'https://www.stevewhitemortgages.ca/wp-content/uploads/2017/05/slider-2.jpg',0,'attachment','image/jpeg',0),(5306,1,'2017-05-12 08:18:16','2017-05-12 08:18:16','','slider-3','','inherit','closed','closed','','slider-3-2','','','2017-05-12 08:18:16','2017-05-12 08:18:16','',0,'https://www.stevewhitemortgages.ca/wp-content/uploads/2017/05/slider-3.jpg',0,'attachment','image/jpeg',0),(5311,1,'2017-05-12 16:53:40','2017-05-12 16:53:40','<main ck-main=\"sidebar sidebar-responsive\">\r\n<section class=\"main\">\r\n<div id=\"financial-tools\">\r\n	<div id=\"aboutUs\">\r\n   \r\n\r\n<section id=\"tools-overview-title-section\">\r\n		<h5 ck-header=\"\">Use this calculator to calculate what your monthly mortgage payments will be and generate an amortization schedule. You can also quickly see how much interest you will pay, and your principal balances.</h5>\r\n</section>\r\n\r\n<section id=\"amortization-calculator-input\" ck-card=\"\">\r\n		<div class=\"calculatorGrayBox\" data-fh-impression=\"{&quot;section&quot;:&quot;AmortizationCalculatorInput&quot;,&quot;renderId&quot;:1930696002}\">\r\n\r\n<header>\r\n<h2 ck-header=\"sub\">Mortgage Calculator </h2>\r\n</header>\r\n\r\n<form ck-form=\"\">\r\n\r\n<div class=\"row-2 clearfix formList\">\r\n<div class=\"col-1-2\"><label for=\"loanVal\"><div class=\"inputType\"><span ck-badge=\"\"><b>1</b></span> Mortgage Amount </div></label></div>\r\n<div class=\"col-1-2\">\r\n<div ck-textinput=\"currency\">\r\n<div ck-textinput=\"\"><input id=\"loanVal\" class=\"reg-input validatePositiveNumber pre-populated\" name=\"loanVal\" size=\"10\" type=\"text\" value=\"\"><span class=\"postInput\">$</span><p></p><div id=\"advice-loanVal\" class=\"validation-advice validation-failed\" style=\"\"></div></div></div>\r\n</div>\r\n</div>\r\n\r\n<div class=\"row-2 clearfix formList\">\r\n<div class=\"col-1-2\"><label for=\"rateVal\"><span ck-badge=\"\"><b>2</b> </span><div class=\"inputType\">Interest Rate </div></label></div>\r\n<div class=\"col-1-2\">\r\n<div ck-textinput=\"percentage\">\r\n<div ck-textinput=\"\">\r\n<input id=\"rateVal\" class=\"reg-input validatePositiveNumber pre-populated\" name=\"rateVal\" size=\"10\" type=\"text\" value=\"\"><span class=\"postInput\">%</span><div id=\"advice-rateVal\" class=\"validation-advice validation-failed\" style=\"\"></div></div></div>\r\n</div>\r\n</div>\r\n\r\n<div class=\"row-2 clearfix formList\">\r\n<div class=\"col-1-2\"><label for=\"yearVal\"><span ck-badge=\"\"><b>3</b> </span><div class=\"inputType\">Mortgage Length (25 and 30 years are most common) </div></label></div>\r\n<div class=\"col-1-2\">\r\n<div ck-textinput=\"years\"><div ck-textinput=\"\"> <input id=\"yearVal\" class=\"reg-input validatePositiveNumber pre-populated\" name=\"yearVal\" size=\"10\" type=\"text\" value=\"\"><div id=\"advice-yearVal\" class=\"validation-advice validation-failed\" style=\"\"></div></div></div>\r\n</div>\r\n</div>\r\n\r\n</form>\r\n\r\n</div>\r\n</section>\r\n\r\n<section class=\"calculatorSection\" ck-card=\"\">\r\n\r\n		<div id=\"amortization-calculator-output\" class=\"calculatorDetailBox\" data-fh-impression=\"{&quot;section&quot;:&quot;BaseCalculations&quot;,&quot;renderId&quot;:1984345888}\">\r\n			<h2 ck-header=\"sub\">Your Amortization Summary</h2>\r\n			<h3 ck-header=\"\">Base Calculations</h3>\r\n			<div class=\"calculationsTable\">\r\n				<table ck-table=\"\">\r\n					<thead>\r\n						<tr>\r\n							<th style=\"color: #1774ad; font-weight: bold;\">Monthly \r\n							Principal &amp; Interest</th>\r\n							<th>Number of Payments</th>\r\n							<th>Total Payments</th>\r\n							<th class=\"monthlyPayments\">Original Mortgage</th>\r\n						</tr>\r\n					</thead>\r\n					<tr>\r\n						<td id=\"colAmountBox\" data-label=\"Monthly Principal &amp; Interest\">\r\n						—</td>\r\n						<td id=\"colInterestBox\" data-label=\"Number of Payments\">\r\n						—</td>\r\n						<td id=\"colYearsBox\" data-label=\"Total Payments\">—</td>\r\n						<td id=\"payVal\" class=\"monthlyPayments\" data-label=\"Original Mortgage Amount\">\r\n						—</td>\r\n					</tr>\r\n				</table>\r\n			</div>\r\n		</div>\r\n		<div id=\"amortization-calculator-charts\" class=\"calculatorDetailBox\" data-fh-impression=\"{&quot;section&quot;:&quot;AdditionalAmortizationInformation&quot;,&quot;renderId&quot;:453871434}\">\r\n			<h3 ck-header=\"\">Additional amortization information</h3>\r\n			<div class=\"toolsChart firstToolsChart\">\r\n				<div id=\"amortizationChart\">\r\n					<img alt=\"Amortization Chart\" src=\"https://www.stevewhitemortgages.ca/wp-content/themes/finanza/images/amortization.jpg\">\r\n					<p>This chart illustrates how balances decrease over time for \r\n					a fixed rate mortgage.</p>\r\n				</div>\r\n			</div>\r\n			<div class=\"toolsChart secondToolsChart\">\r\n				<div id=\"principalChart\">\r\n					<img alt=\"Principal Inactive Chart\" src=\"https://www.stevewhitemortgages.ca/wp-content/themes/finanza/images/principal.jpg\">\r\n					<p>This chart shows how payments are split between principal \r\n					and interest payments over time.</p>\r\n				</div>\r\n			</div>\r\n		</div>\r\n</section>\r\n\r\n<section id=\"amortization-calculator-details\" class=\"calculator-details \" ck-card=\"\" data-fh-impression=\"{&quot;section&quot;:&quot;YourFullAmortizationSchedule&quot;,&quot;renderId&quot;:1211233021}\">\r\n<header>\r\n		<h2 ck-header=\"sub\">Your Full Amortization Schedule</h2>\r\n</header>\r\n		<table ck-table=\"\" class=\"loanOutputTable\">\r\n			<tr>\r\n				<th>Month/Year</th>\r\n				<th>Payment Amount</th>\r\n				<th>Interest Paid</th>\r\n				<th>Principal Paid</th>\r\n				<th class=\"monthlyPayments\">\r\n				<p>Mortgage Balance</p>\r\n				</th>\r\n			</tr>\r\n		</table>\r\n		<div id=\"fullTableContainer\">\r\n			<table id=\"fullTable\" ck-table=\"\" class=\"loanOutputTable\">\r\n			</table>\r\n		</div>\r\n</section>\r\n\r\n<section class=\"disclaimer\">\r\n		<p>These calculations are approximate and for information purposes only. Actual payment amounts may differ and will be determined at the time of 	your application. Please do not rely solely on this information or result when making financial decisions; please speak with me directly to review 	your mortgage options.</p>\r\n		\r\n		<p>To make this calculation, a fixed interest rate over the entire amortization period is used. In reality I will renegotiate at the end of each mortgage term on your behalf; depending on the state of the economy and Bank of Canada lending rates, your mortgage rate will likely change.</p>\r\n		\r\n		<p>A minimum 5% down payment is required for a purchase price of $500,000 or less. For a purchase price between $500,000 and $1 million, the minimum down payment is 5% on the first $500,000 and 10% on the balance. Default insurance costs will apply. A home purchase price of greater than $1 million dollars is not eligible for mortgage default insurance and requires a minimum down payment of 20%.</p>\r\n</section>\r\n\r\n	</div>\r\n	<div class=\"clear\"></div>\r\n</div>\r\n</section>\r\n</main>','Mortgages Calculator','','inherit','closed','closed','','5265-revision-v1','','','2017-05-12 16:53:40','2017-05-12 16:53:40','',5265,'https://www.stevewhitemortgages.ca/2017/05/5265-revision-v1/',0,'revision','',0),(5366,1,'2017-05-15 13:44:04','2017-05-15 13:44:04','','homepage','','inherit','closed','closed','','4547-revision-v1','','','2017-05-15 13:44:04','2017-05-15 13:44:04','',4547,'https://www.stevewhitemortgages.ca/2017/05/4547-revision-v1/',0,'revision','',0),(5345,1,'2017-06-11 04:20:00','2017-06-11 04:20:00','<div>\n<h1 style=\"text-align: center;\"><span style=\"color: #d45704;\">Looking for the Best Mortgage Rates in Ontario?</span></h1>\n<h4 style=\"text-align: center;\">I find you the best mortgage rate for your situation, and goals - <strong>at no cost</strong>!</h4>\n</div>\n[gdlr_space height=\"20px\"]\n\n[gdlr_price_table columns=\"6\" ]\n[gdlr_tab title=\"\" price=\"Mortgage Term             \" ]\n<ul>\n 	<li>Variable</li>\n 	<li>1 yr</li>\n 	<li>2 yr</li>\n 	<li>3 yr</li>\n 	<li>4 yr</li>\n 	<li>5 yr</li>\n 	<li>6 yr</li>\n 	<li>7 yr</li>\n 	<li>10 yr</li>\n</ul>\n[/gdlr_tab]\n[gdlr_tab title=\"\" price=\"My Rates             \" ]\n<ul>\n 	<li>2.30%</li>\n 	<li>2.44%</li>\n 	<li>2.34%</li>\n 	<li>2.44%</li>\n 	<li>2.69%</li>\n 	<li>2.64%</li>\n 	<li>3.09%</li>\n 	<li>3.19%</li>\n 	<li>3.84%</li>\n</ul>\n[/gdlr_tab]\n[gdlr_tab title=\"\" price=\"Posted Rates\" ]\n<ul>\n 	<li>N/A</li>\n 	<li>3.10%</li>\n 	<li>3.35%</li>\n 	<li>3.85%</li>\n 	<li>4.64%</li>\n 	<li>4.79%</li>\n 	<li>6.35%</li>\n 	<li>6.35%</li>\n 	<li>6.75%</li>\n</ul>\n[/gdlr_tab]\n\n[gdlr_tab title=\"\" price=\"Difference             \" ]\n<ul>\n 	<li>N/A</li>\n 	<li>0.66%</li>\n 	<li>1.01%</li>\n 	<li>1.41%</li>\n 	<li>1.95%</li>\n 	<li>2.15%</li>\n 	<li>3.26%</li>\n 	<li>3.16%</li>\n 	<li>2.91%</li>\n</ul>\n[/gdlr_tab]\n[gdlr_tab title=\"\" price=\"Total Savings\" ]\n<ul>\n 	<li>N/A</li>\n 	<li>$178.14</li>\n 	<li>$1,761.53</li>\n 	<li>$4,520.70</li>\n 	<li>$7,920.58</li>\n 	<li>$14,348.25</li>\n 	<li>$24,160.55</li>\n 	<li>$26,277.80</li>\n 	<li>$41,146.87</li>\n</ul>\n[/gdlr_tab]\n[gdlr_tab title=\"\" price=\"Annual Savings\" ]\n<ul>\n 	<li>N/A</li>\n 	<li>$178.14</li>\n 	<li>$880.77</li>\n 	<li>$4,520.70</li>\n 	<li>$1,980.14</li>\n 	<li>$2,869.65</li>\n 	<li>$4,026.76</li>\n 	<li>$3,753.97</li>\n 	<li>$4,114.69</li>\n</ul>\n[/gdlr_tab]\n\n[/gdlr_price_table]\n\n[gdlr_space height=\"40px\"]\n\n<em>*Savings are based on a mortgage of $300,000.</em>\nNote: Rates are subject to change and OAC. Certain terms and conditions apply.\n<h2></h2>\n<h2 style=\"text-align: center;\"><span style=\"color: #d45704;\">Getting the best mortgage rate</span></h2>\nPlease note that the rates above are subject to approval and are not available to all lenders. There are numerous factors that come into play when getting a great rate from a mortgage lender. Here are a few key points:\n<ul>\n 	<li>Credit Score</li>\n 	<li>Down payment amount</li>\n 	<li>Other properties owned</li>\n 	<li>Your employment type</li>\n 	<li>Purpose - personal residence or investment property</li>\n 	<li>Property Location</li>\n 	<li>Mortgage Terms</li>\n</ul>\nTo find out the best rates and terms for you, call me at - 905.903.4799 or <a href=\"mailto:swhite@mortgagealliance.com\">email Steve White</a>\n\n&nbsp;','Mortgage Rates','','inherit','closed','closed','','5312-autosave-v1','','','2017-06-11 04:20:00','2017-06-11 04:20:00','',5312,'https://www.stevewhitemortgages.ca/2017/05/5312-autosave-v1/',0,'revision','',0),(5383,1,'2017-06-11 05:14:05','2017-06-11 05:14:05','&nbsp;\r\n\r\n<section class=\"main\">\r\n<div id=\"financial-tools\">\r\n<div id=\"aboutUs\"><section id=\"tools-overview-title-section\">\r\n<h5>Use this calculator to calculate what your monthly mortgage payments will be and generate an amortization schedule. You can also quickly see how much interest you will pay, and your principal balances.</h5>\r\n</section><section id=\"amortization-calculator-input\">\r\n<div class=\"calculatorGrayBox\" data-fh-impression=\"{&quot;section&quot;:&quot;AmortizationCalculatorInput&quot;,&quot;renderId&quot;:1930696002}\"><header>\r\n<h2>Mortgage Calculator</h2>\r\n</header><form>\r\n<div class=\"row-2 clearfix formList\">\r\n<div class=\"col-1-2\">\r\n\r\n&nbsp;\r\n<div class=\"inputType\"><b>1</b> Mortgage Amount</div>\r\n&nbsp;\r\n\r\n</div>\r\n<div class=\"col-1-2\">\r\n<div>\r\n<div>\r\n\r\n<input id=\"loanVal\" class=\"reg-input validatePositiveNumber pre-populated\" name=\"loanVal\" size=\"10\" type=\"text\" value=\"\" /><span class=\"postInput\">$</span>\r\n<div id=\"advice-loanVal\" class=\"validation-advice validation-failed\"></div>\r\n</div>\r\n</div>\r\n</div>\r\n</div>\r\n<div class=\"row-2 clearfix formList\">\r\n<div class=\"col-1-2\">\r\n\r\n<label for=\"rateVal\"><b>2</b> </label>\r\n<div class=\"inputType\">Interest Rate</div>\r\n&nbsp;\r\n\r\n</div>\r\n<div class=\"col-1-2\">\r\n<div>\r\n<div>\r\n\r\n<input id=\"rateVal\" class=\"reg-input validatePositiveNumber pre-populated\" name=\"rateVal\" size=\"10\" type=\"text\" value=\"\" /><span class=\"postInput\">%</span>\r\n<div id=\"advice-rateVal\" class=\"validation-advice validation-failed\"></div>\r\n</div>\r\n</div>\r\n</div>\r\n</div>\r\n<div class=\"row-2 clearfix formList\">\r\n<div class=\"col-1-2\">\r\n\r\n<label for=\"yearVal\"><b>3</b> </label>\r\n<div class=\"inputType\">Mortgage Length (25 and 30 years are most common)</div>\r\n&nbsp;\r\n\r\n</div>\r\n<div class=\"col-1-2\">\r\n<div>\r\n<div>\r\n\r\n<input id=\"yearVal\" class=\"reg-input validatePositiveNumber pre-populated\" name=\"yearVal\" size=\"10\" type=\"text\" value=\"\" />\r\n<div id=\"advice-yearVal\" class=\"validation-advice validation-failed\"></div>\r\n</div>\r\n</div>\r\n</div>\r\n</div>\r\n</form></div>\r\n</section><section class=\"calculatorSection\">\r\n<div id=\"amortization-calculator-output\" class=\"calculatorDetailBox\" data-fh-impression=\"{&quot;section&quot;:&quot;BaseCalculations&quot;,&quot;renderId&quot;:1984345888}\">\r\n<h2>Your Amortization Summary</h2>\r\n<h3>Base Calculations</h3>\r\n<div class=\"calculationsTable\">\r\n<table>\r\n<thead>\r\n<tr>\r\n<th style=\"color: #1774ad; font-weight: bold;\">Monthly\r\nPrincipal &amp; Interest</th>\r\n<th>Number of Payments</th>\r\n<th>Total Payments</th>\r\n<th class=\"monthlyPayments\">Original Mortgage</th>\r\n</tr>\r\n</thead>\r\n<tbody>\r\n<tr>\r\n<td id=\"colAmountBox\" data-label=\"Monthly Principal &amp; Interest\">—</td>\r\n<td id=\"colInterestBox\" data-label=\"Number of Payments\">—</td>\r\n<td id=\"colYearsBox\" data-label=\"Total Payments\">—</td>\r\n<td id=\"payVal\" class=\"monthlyPayments\" data-label=\"Original Mortgage Amount\">—</td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n</div>\r\n</div>\r\n<div id=\"amortization-calculator-charts\" class=\"calculatorDetailBox\" data-fh-impression=\"{&quot;section&quot;:&quot;AdditionalAmortizationInformation&quot;,&quot;renderId&quot;:453871434}\">\r\n<h3>Additional amortization information</h3>\r\n<div class=\"toolsChart firstToolsChart\">\r\n<div id=\"amortizationChart\"><img src=\"https://www.stevewhitemortgages.ca/wp-content/themes/finanza/images/amortization.jpg\" alt=\"Amortization Chart\" />This chart illustrates how balances decrease over time for\r\na fixed rate mortgage.</div>\r\n</div>\r\n<div class=\"toolsChart secondToolsChart\">\r\n<div id=\"principalChart\"><img src=\"https://www.stevewhitemortgages.ca/wp-content/themes/finanza/images/principal.jpg\" alt=\"Principal Inactive Chart\" />This chart shows how payments are split between principal\r\nand interest payments over time.</div>\r\n</div>\r\n</div>\r\n</section><section id=\"amortization-calculator-details\" class=\"calculator-details \" data-fh-impression=\"{&quot;section&quot;:&quot;YourFullAmortizationSchedule&quot;,&quot;renderId&quot;:1211233021}\"><header>\r\n<h2>Your Full Amortization Schedule</h2>\r\n</header>\r\n<table class=\"loanOutputTable\">\r\n<tbody>\r\n<tr>\r\n<th>Month/Year</th>\r\n<th>Payment Amount</th>\r\n<th>Interest Paid</th>\r\n<th>Principal Paid</th>\r\n<th class=\"monthlyPayments\">Mortgage Balance</th>\r\n</tr>\r\n</tbody>\r\n</table>\r\n<div id=\"fullTableContainer\"></div>\r\n</section><section class=\"disclaimer\">These calculations are approximate and for information purposes only. Actual payment amounts may differ and will be determined at the time of your application. Please do not rely solely on this information or result when making financial decisions; please speak with me directly to review your mortgage options.To make this calculation, a fixed interest rate over the entire amortization period is used. In reality I will renegotiate at the end of each mortgage term on your behalf; depending on the state of the economy and Bank of Canada lending rates, your mortgage rate will likely change.\r\n\r\nA minimum 5% down payment is required for a purchase price of $500,000 or less. For a purchase price between $500,000 and $1 million, the minimum down payment is 5% on the first $500,000 and 10% on the balance. Default insurance costs will apply. A home purchase price of greater than $1 million dollars is not eligible for mortgage default insurance and requires a minimum down payment of 20%.\r\n\r\n</section></div>\r\n<div class=\"clear\"></div>\r\n</div>\r\n</section>&nbsp;','Mortgages Calculator','','inherit','closed','closed','','5265-revision-v1','','','2017-06-11 05:14:05','2017-06-11 05:14:05','',5265,'https://www.stevewhitemortgages.ca/2017/06/5265-revision-v1/',0,'revision','',0),(5352,1,'2017-05-12 17:34:56','2017-05-12 17:34:56','<div>\r\n<h3>Looking for the Best Rates?\r\nOurs can be as low as *1.89% <span class=\"editorsmalltext\">(some conditions apply)</span></h3>\r\n<h4>We’ll find you the best mortgage rate for your situation, FOR FREE</h4>\r\n</div>\r\n[gdlr_heading tag=\"h3\" size=\"32px\" color=\"#ffffff\" background=\"#8ed345\" font_weight=\"bold\"]Heading With Background[/gdlr_heading]\r\n\r\n[gdlr_space height=\"20px\"]\r\n\r\n[gdlr_price_table columns=\"6\" ]\r\n[gdlr_tab title=\"\" price=\"Mortgage Term   &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\" ]\r\n<ul>\r\n<li>Variable</li>\r\n<li>1 yr</li>\r\n<li>2 yr</li>\r\n<li>3 yr</li>\r\n<li>4 yr</li>\r\n<li>5 yr</li>\r\n<li>6 yr</li>\r\n<li>7 yr</li>\r\n<li>10 yr</li>\r\n</ul>\r\n[/gdlr_tab]\r\n[gdlr_tab title=\"\" price=\"Our (APR)   &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\" ]\r\n<ul>\r\n<li>2.30%</li>\r\n<li>2.44%</li>\r\n<li>2.34%</li>\r\n<li>2.44%</li>\r\n<li>2.69%</li>\r\n<li>2.64%</li>\r\n<li>3.09%</li>\r\n<li>3.19%</li>\r\n<li>3.84%</li>\r\n</ul>\r\n[/gdlr_tab]\r\n[gdlr_tab title=\"\" price=\"Banks Posted Rates\" ]\r\n<ul>\r\n<li>N/A</li>\r\n<li>3.10%</li>\r\n<li>3.35%</li>\r\n<li>3.85%</li>\r\n<li>4.64%</li>\r\n<li>4.79%</li>\r\n<li>6.35%</li>\r\n<li>6.35%</li>\r\n<li>6.75%</li>\r\n</ul>\r\n[/gdlr_tab]\r\n\r\n[gdlr_tab title=\"\" price=\"Difference   &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\" ]\r\n<ul>\r\n<li>N/A</li>\r\n<li>0.66%</li>\r\n<li>1.01%</li>\r\n<li>1.41%</li>\r\n<li>1.95%</li>\r\n<li>2.15%</li>\r\n<li>3.26%</li>\r\n<li>3.16%</li>\r\n<li>2.91%</li>\r\n</ul>\r\n[/gdlr_tab]\r\n[gdlr_tab title=\"\" price=\"Interest You Save Per Term*\" ]\r\n<ul>\r\n<li>N/A</li>\r\n<li>$178.14</li>\r\n<li>$1,761.53</li>\r\n<li>$4,520.70</li>\r\n<li>$7,920.58</li>\r\n<li>$14,348.25</li>\r\n<li>$24,160.55</li>\r\n<li>$26,277.80</li>\r\n<li>$41,146.87</li>\r\n</ul>\r\n[/gdlr_tab]\r\n[gdlr_tab title=\"\" price=\"Interest You Save Per Year*\" ]\r\n<ul>\r\n<li>N/A</li>\r\n<li>$178.14</li>\r\n<li>$880.77</li>\r\n<li>$4,520.70</li>\r\n<li>$1,980.14</li>\r\n<li>$2,869.65</li>\r\n<li>$4,026.76</li>\r\n<li>$3,753.97</li>\r\n<li>$4,114.69</li>\r\n</ul>\r\n[/gdlr_tab]\r\n\r\n\r\n[/gdlr_price_table]\r\n\r\n[gdlr_space height=\"40px\"]\r\n\r\n<p><em>*Savings are based on a mortgage of $300,000.</em></p>\r\n<p>Note: Rates are subject to change and OAC. Certain terms and conditions apply.</p>','Mortgage Rates','','inherit','closed','closed','','5312-revision-v1','','','2017-05-12 17:34:56','2017-05-12 17:34:56','',5312,'https://www.stevewhitemortgages.ca/2017/05/5312-revision-v1/',0,'revision','',0),(5367,1,'2017-05-15 15:38:30','2017-05-15 15:38:30','<h1>What income can be used to qualify for a mortgage?</h1>\r\nWhen you submit an application to get a mortgage, it’s the lender’s job to see that you\'re in a stable financial position to cover the costs of the mortgage, not only now but also the entire term of the mortgage. A big part of this process is determining your income.\r\n\r\nObviously the higher the level of income you have, the larger the mortgage amount you’ll qualify for - even if you don’t end up taking the whole mortgage amount that’s offered to you. I often recommend getting approved for a mortgage as large as possible - even if it’s higher than what your were planning. That way if you’re competing with other offers or find a perfect home slightly more expensive - you’re not struggling to find the difference to buy the house that fits your needs.\r\n\r\nThere are various forms of income that lenders will accept to qualify you for a successful mortgage application - not all income that ends up in your bank account will count. Lenders and banks will want to see a sustainable pattern of income and some lenders will only use the income amount that you’ve declared to the Canadian Revenue Agency. If you’re self employed or have some of these income types below, you’ll need a good mortgage broker to find the lender that will accept these incomes:\r\n<h2>Salary Income</h2>\r\nThis is the most common type of income for most people, but not everyone has a salary. Receiving steady salary income from an employer is the easiest way to qualify for a mortgage and your income can be easily verified through recent pay stubs and an employment letter, though lenders will want to ensure you’ve been working at the company for more than 90 days and have passed any probationary terms.\r\n\r\nMany lenders used to offer what’s known as “stated income” mortgages, where all a borrower had to do was declare their income, and the mortgage plan would be based on that number, without any confirmation procedure. Obviously, those days are pretty much gone. A two-year employment history is good enough.\r\n<h2>Self Employed Income</h2>\r\nSelf-employed income is a little trickier to ascertain. Some lenders will only use the income you’ve stated on your income taxes, while others understand that many business types generate a bit more income than what is stated and will average several months of deposits in your business account to calculate the income they’re comfortable with. Some lenders will require two years worth of statements, while others are satisfied with only a few months worth, again, a good mortgage broker is needed to know which lender will accept your business income statements.\r\n\r\nLenders need to confirm that you not only have the income today, but that you are likely to continue to have the same or more income through the whole term of the mortgage you’re requesting.\r\n\r\n&nbsp;\r\n<h2>Commission income</h2>\r\nSimilar to self-employment income, many lenders don’t feel comfortable using commission income to approve your mortgage as they would when you receive a steady salary. One of the reasons is that commission can fluctuate wildly from year to year and month to month.\r\n\r\nLenders will need to see a consistent pattern of commission and ensure that you have demonstrated the ability to maintain payments on other debts during times when your commission income drops. Your ability to make on-time mortgage payments for the entire term of the mortgage is their priority.\r\n<h2>Bonuses</h2>\r\nBonuses, as a part of your overall income, may be treated like commissions, but you will need to show a history of payments. Unlike commissions, for many individuals, a bonus is out of their hands and up to a company’s discretion. A description of the bonus, reasoning and amounts expected in the future will need to be included in the letter from the employer and is up to the lender to decide if they will include the amount in your affordability.\r\n<h2>Tips</h2>\r\nTips are common in certain jobs and may constitute a substantial portion of a worker’s income. However, lots of people don’t declare tips on their tax returns which could eventually be a problem in a mortgage calculation. Just like self-employed income, your income doesn’t match what you’re paying taxes on and you’ll need to work with a good mortgage broker.\r\n<h2>Rental income</h2>\r\nWhen have you a secondary rental suite or additional property that brings in revenue, then a portion of that income is allowed to be added and considered when qualifying you for a mortgage. If you already own the property you will need to provide a copy of the lease, property tax and mortgage statements to confirm the income and use it for qualifying. If the mortgage you are applying for is for an income property, then you won’t have a lease to confirm the rental income and you’ll have a different amount of income you can use. Not only that, but the rules for lending on rental properties are often changing.\r\n\r\nSo, guess what? Yup, a mortgage broker will know which lenders are ideal for applications including a rental property.\r\n<h2>Child support and alimony</h2>\r\nIf you receive money from a child support agreement or divorce settlement, then some lenders will allow you to include it toward your income. However, it may not qualify if it is a new arrangement. You will have to present proof that the payments comes from a reliable source and at regular periods. The income period varies and depends on the requirements and circumstances of the lender.\r\n\r\nThe case is flipped if you pay child support or alimony. The amount you pay will be deducted from your income and will reduce the amount of mortgage you qualify for.\r\n<h2>Pension/Retirement Income</h2>\r\nIf you retired and looking for a mortgage for yourself of you’re looking to co-sign with one of you children or grandkids, your pension income does qualify as does any other income since you receive on a regular basis. This includes money from your investments but you will need to show a consistent income amount.\r\n\r\nWhether you have several kinds of the income or not, always be forthright when speaking to your mortgage broker - they will properly shape your application in that approach to make it the most attractive to the best lender for your situation. Both your mortgage broker and the lender themselves will verify all the income you’ve declared before you’re approved and again before the funds are released, so you need to be honest with them or they can refuse to work with you.\r\n\r\nHave you been looking to buy or refinance your property but are unsure how much you qualify for because of your income source? Contact me to book a no-obligation consultation call and I can provide more information on what your options are or what steps you may need to start taking in order to qualify soon. Even if you don’t use me to get your mortgage my services are available at no cost.\r\n\r\nYou can call or text me at - 905.903.4799 or <a href=\"mailto:swhite@mortgagealliance.com\">email Steve White Mortgage Agent</a>','Income sources for mortgage qualification','','publish','closed','open','','income-sources-for-mortgage-qualification','','','2017-05-15 15:39:03','2017-05-15 15:39:03','',0,'https://www.stevewhitemortgages.ca/?p=5367',0,'post','',0),(5346,1,'2017-05-12 17:28:35','2017-05-12 17:28:35','<div>\r\n<h3>Looking for the Best Rates?\r\nOurs can be as low as *1.89% <span class=\"editorsmalltext\">(some conditions apply)</span></h3>\r\n<h4>We’ll find you the best mortgage rate for your situation, FOR FREE</h4>\r\n</div>\r\n[gdlr_heading tag=\"h3\" size=\"32px\" color=\"#ffffff\" background=\"#8ed345\" font_weight=\"bold\"]Heading With Background[/gdlr_heading]\r\n\r\n[gdlr_space height=\"20px\"]\r\n\r\n[gdlr_price_table columns=\"6\" ]\r\n[gdlr_tab title=\"\" price=\"Mortgage Term   &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\" ]\r\n<ul>\r\n<li>Variable</li>\r\n<li>1 yr</li>\r\n<li>2 yr</li>\r\n<li>3 yr</li>\r\n<li>4 yr</li>\r\n<li>5 yr</li>\r\n<li>6 yr</li>\r\n<li>7 yr</li>\r\n<li>10 yr</li>\r\n</ul>\r\n[/gdlr_tab]\r\n[gdlr_tab title=\"\" price=\"Our (APR)   &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\" ]\r\n<ul>\r\n<li>2.44%</li>\r\n<li>2.34%</li>\r\n<li>2.44%</li>\r\n<li>2.69%</li>\r\n<li>2.64%</li>\r\n<li>3.09%</li>\r\n<li>3.19%</li>\r\n<li>3.84%</li>\r\n</ul>\r\n[/gdlr_tab]\r\n[gdlr_tab title=\"\" price=\"Banks Posted Rates\" ]\r\n<ul>\r\n<li>N/A</li>\r\n<li>2 Email Accounts</li>\r\n<li>30 GB Bandwidth</li>\r\n<li>4ive Chat Support</li>\r\n<li>5nchanced SSL Security</li>\r\n<li>60 GB</li>\r\n<li>72 Email Accounts</li>\r\n<li>80 GB Bandwidth</li>\r\n<li>9ive Chat Support</li>\r\n</ul>\r\n[/gdlr_tab]\r\n\r\n[gdlr_tab title=\"\" price=\"Difference   &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\" ]\r\n<ul>\r\n<li>1</li>\r\n<li>2 Email Accounts</li>\r\n<li>30 GB Bandwidth</li>\r\n<li>4ive Chat Support</li>\r\n<li>5nchanced SSL Security</li>\r\n<li>60 GB</li>\r\n<li>72 Email Accounts</li>\r\n<li>80 GB Bandwidth</li>\r\n<li>9ive Chat Support</li>\r\n</ul>\r\n[/gdlr_tab]\r\n[gdlr_tab title=\"\" price=\"Interest You Save Per Term*\" ]\r\n<ul>\r\n<li>1</li>\r\n<li>2 Email Accounts</li>\r\n<li>30 GB Bandwidth</li>\r\n<li>4ive Chat Support</li>\r\n<li>5nchanced SSL Security</li>\r\n<li>60 GB</li>\r\n<li>72 Email Accounts</li>\r\n<li>80 GB Bandwidth</li>\r\n<li>9ive Chat Support</li>\r\n</ul>\r\n[/gdlr_tab]\r\n[gdlr_tab title=\"\" price=\"Interest You Save Per Year*\" ]\r\n<ul>\r\n<li>1</li>\r\n<li>2 Email Accounts</li>\r\n<li>30 GB Bandwidth</li>\r\n<li>4ive Chat Support</li>\r\n<li>5nchanced SSL Security</li>\r\n<li>60 GB</li>\r\n<li>72 Email Accounts</li>\r\n<li>80 GB Bandwidth</li>\r\n<li>9ive Chat Support</li>\r\n</ul>\r\n[/gdlr_tab]\r\n\r\n\r\n[/gdlr_price_table]\r\n\r\n[gdlr_space height=\"20px\"]','Mortgage Rates','','inherit','closed','closed','','5312-revision-v1','','','2017-05-12 17:28:35','2017-05-12 17:28:35','',5312,'https://www.stevewhitemortgages.ca/2017/05/5312-revision-v1/',0,'revision','',0),(5364,1,'2017-05-15 13:36:41','2017-05-15 13:36:41','<div>\r\n<h1 style=\"text-align: center;\"><span style=\"color: #d45704;\">Looking for the Best Mortgage Rates in Ontario?</span></h1>\r\n<h4 style=\"text-align: center;\">I find you the best mortgage rate for your situation, and goals - <strong>at no cost</strong>!</h4>\r\n</div>\r\n[gdlr_space height=\"20px\"]\r\n\r\n[gdlr_price_table columns=\"6\" ]\r\n[gdlr_tab title=\"\" price=\"Mortgage Term             \" ]\r\n<ul>\r\n 	<li>Variable</li>\r\n 	<li>1 yr</li>\r\n 	<li>2 yr</li>\r\n 	<li>3 yr</li>\r\n 	<li>4 yr</li>\r\n 	<li>5 yr</li>\r\n 	<li>6 yr</li>\r\n 	<li>7 yr</li>\r\n 	<li>10 yr</li>\r\n</ul>\r\n[/gdlr_tab]\r\n[gdlr_tab title=\"\" price=\"My Rates             \" ]\r\n<ul>\r\n 	<li>2.30%</li>\r\n 	<li>2.44%</li>\r\n 	<li>2.34%</li>\r\n 	<li>2.44%</li>\r\n 	<li>2.69%</li>\r\n 	<li>2.64%</li>\r\n 	<li>3.09%</li>\r\n 	<li>3.19%</li>\r\n 	<li>3.84%</li>\r\n</ul>\r\n[/gdlr_tab]\r\n[gdlr_tab title=\"\" price=\"Posted Rates\" ]\r\n<ul>\r\n 	<li>N/A</li>\r\n 	<li>3.10%</li>\r\n 	<li>3.35%</li>\r\n 	<li>3.85%</li>\r\n 	<li>4.64%</li>\r\n 	<li>4.79%</li>\r\n 	<li>6.35%</li>\r\n 	<li>6.35%</li>\r\n 	<li>6.75%</li>\r\n</ul>\r\n[/gdlr_tab]\r\n\r\n[gdlr_tab title=\"\" price=\"Difference             \" ]\r\n<ul>\r\n 	<li>N/A</li>\r\n 	<li>0.66%</li>\r\n 	<li>1.01%</li>\r\n 	<li>1.41%</li>\r\n 	<li>1.95%</li>\r\n 	<li>2.15%</li>\r\n 	<li>3.26%</li>\r\n 	<li>3.16%</li>\r\n 	<li>2.91%</li>\r\n</ul>\r\n[/gdlr_tab]\r\n[gdlr_tab title=\"\" price=\"Total Savings\" ]\r\n<ul>\r\n 	<li>N/A</li>\r\n 	<li>$178.14</li>\r\n 	<li>$1,761.53</li>\r\n 	<li>$4,520.70</li>\r\n 	<li>$7,920.58</li>\r\n 	<li>$14,348.25</li>\r\n 	<li>$24,160.55</li>\r\n 	<li>$26,277.80</li>\r\n 	<li>$41,146.87</li>\r\n</ul>\r\n[/gdlr_tab]\r\n[gdlr_tab title=\"\" price=\"Annual Savings\" ]\r\n<ul>\r\n 	<li>N/A</li>\r\n 	<li>$178.14</li>\r\n 	<li>$880.77</li>\r\n 	<li>$4,520.70</li>\r\n 	<li>$1,980.14</li>\r\n 	<li>$2,869.65</li>\r\n 	<li>$4,026.76</li>\r\n 	<li>$3,753.97</li>\r\n 	<li>$4,114.69</li>\r\n</ul>\r\n[/gdlr_tab]\r\n\r\n[/gdlr_price_table]\r\n\r\n[gdlr_space height=\"40px\"]\r\n\r\n<em>*Savings are based on a mortgage of $300,000.</em>\r\nNote: Rates are subject to change and OAC. Certain terms and conditions apply.\r\n<h2></h2>\r\n<h2 style=\"text-align: center;\"><span style=\"color: #d45704;\">Getting the best mortgage rate</span></h2>\r\nPlease note that the rates above are subject to approval and are not available to all lenders. There are numerous factors that come into play when getting a great rate from a mortgage lender. Here are a few key points:\r\n<ul>\r\n 	<li>Credit Score</li>\r\n 	<li>Down payment amount</li>\r\n 	<li>Other properties owned</li>\r\n 	<li>Your employment type</li>\r\n 	<li>Purpose - personal residence or investment property</li>\r\n 	<li>Property Location</li>\r\n 	<li>Mortgage Terms</li>\r\n</ul>\r\nTo find out the best rates and terms for you, call me at - 905.903.4799 or <a href=\"mailto:swhite@mortgagealliance.com\">email Steve White</a>\r\n\r\n&nbsp;','Mortgage Rates','','inherit','closed','closed','','5312-revision-v1','','','2017-05-15 13:36:41','2017-05-15 13:36:41','',5312,'https://www.stevewhitemortgages.ca/2017/05/5312-revision-v1/',0,'revision','',0),(5368,1,'2017-05-15 14:52:16','2017-05-15 14:52:16','','couple applies for a mortgage with Steve White Mortgage Agent','young couple sit on the floor and apply for a mortgage with Steve White Mortgage Agent','inherit','closed','closed','','happy-couple-dream-new-home','','','2017-05-15 14:53:22','2017-05-15 14:53:22','',5367,'https://www.stevewhitemortgages.ca/wp-content/uploads/2017/05/GettyImages-503154329.jpg',0,'attachment','image/jpeg',0),(5369,1,'2017-05-15 15:38:30','2017-05-15 15:38:30','<h1>What income can be used to qualify for a mortgage?</h1>\r\nWhen you submit an application to get a mortgage, it’s the lender’s job to see that you\'re in a stable financial position to cover the costs of the mortgage, not only now but also the entire term of the mortgage. A big part of this process is determining your income.\r\n\r\nObviously the higher the level of income you have, the larger the mortgage amount you’ll qualify for - even if you don’t end up taking the whole mortgage amount that’s offered to you. I often recommend getting approved for a mortgage as large as possible - even if it’s higher than what your were planning. That way if you’re competing with other offers or find a perfect home slightly more expensive - you’re not struggling to find the difference to buy the house that fits your needs.\r\n\r\nThere are various forms of income that lenders will accept to qualify you for a successful mortgage application - not all income that ends up in your bank account will count. Lenders and banks will want to see a sustainable pattern of income and some lenders will only use the income amount that you’ve declared to the Canadian Revenue Agency. If you’re self employed or have some of these income types below, you’ll need a good mortgage broker to find the lender that will accept these incomes:\r\n<h2>Salary Income</h2>\r\nThis is the most common type of income for most people, but not everyone has a salary. Receiving steady salary income from an employer is the easiest way to qualify for a mortgage and your income can be easily verified through recent pay stubs and an employment letter, though lenders will want to ensure you’ve been working at the company for more than 90 days and have passed any probationary terms.\r\n\r\nMany lenders used to offer what’s known as “stated income” mortgages, where all a borrower had to do was declare their income, and the mortgage plan would be based on that number, without any confirmation procedure. Obviously, those days are pretty much gone. A two-year employment history is good enough.\r\n<h2>Self Employed Income</h2>\r\nSelf-employed income is a little trickier to ascertain. Some lenders will only use the income you’ve stated on your income taxes, while others understand that many business types generate a bit more income than what is stated and will average several months of deposits in your business account to calculate the income they’re comfortable with. Some lenders will require two years worth of statements, while others are satisfied with only a few months worth, again, a good mortgage broker is needed to know which lender will accept your business income statements.\r\n\r\nLenders need to confirm that you not only have the income today, but that you are likely to continue to have the same or more income through the whole term of the mortgage you’re requesting.\r\n\r\n&nbsp;\r\n<h2>Commission income</h2>\r\nSimilar to self-employment income, many lenders don’t feel comfortable using commission income to approve your mortgage as they would when you receive a steady salary. One of the reasons is that commission can fluctuate wildly from year to year and month to month.\r\n\r\nLenders will need to see a consistent pattern of commission and ensure that you have demonstrated the ability to maintain payments on other debts during times when your commission income drops. Your ability to make on-time mortgage payments for the entire term of the mortgage is their priority.\r\n<h2>Bonuses</h2>\r\nBonuses, as a part of your overall income, may be treated like commissions, but you will need to show a history of payments. Unlike commissions, for many individuals, a bonus is out of their hands and up to a company’s discretion. A description of the bonus, reasoning and amounts expected in the future will need to be included in the letter from the employer and is up to the lender to decide if they will include the amount in your affordability.\r\n<h2>Tips</h2>\r\nTips are common in certain jobs and may constitute a substantial portion of a worker’s income. However, lots of people don’t declare tips on their tax returns which could eventually be a problem in a mortgage calculation. Just like self-employed income, your income doesn’t match what you’re paying taxes on and you’ll need to work with a good mortgage broker.\r\n<h2>Rental income</h2>\r\nWhen have you a secondary rental suite or additional property that brings in revenue, then a portion of that income is allowed to be added and considered when qualifying you for a mortgage. If you already own the property you will need to provide a copy of the lease, property tax and mortgage statements to confirm the income and use it for qualifying. If the mortgage you are applying for is for an income property, then you won’t have a lease to confirm the rental income and you’ll have a different amount of income you can use. Not only that, but the rules for lending on rental properties are often changing.\r\n\r\nSo, guess what? Yup, a mortgage broker will know which lenders are ideal for applications including a rental property.\r\n<h2>Child support and alimony</h2>\r\nIf you receive money from a child support agreement or divorce settlement, then some lenders will allow you to include it toward your income. However, it may not qualify if it is a new arrangement. You will have to present proof that the payments comes from a reliable source and at regular periods. The income period varies and depends on the requirements and circumstances of the lender.\r\n\r\nThe case is flipped if you pay child support or alimony. The amount you pay will be deducted from your income and will reduce the amount of mortgage you qualify for.\r\n<h2>Pension/Retirement Income</h2>\r\nIf you retired and looking for a mortgage for yourself of you’re looking to co-sign with one of you children or grandkids, your pension income does qualify as does any other income since you receive on a regular basis. This includes money from your investments but you will need to show a consistent income amount.\r\n\r\nWhether you have several kinds of the income or not, always be forthright when speaking to your mortgage broker - they will properly shape your application in that approach to make it the most attractive to the best lender for your situation. Both your mortgage broker and the lender themselves will verify all the income you’ve declared before you’re approved and again before the funds are released, so you need to be honest with them or they can refuse to work with you.\r\n\r\nHave you been looking to buy or refinance your property but are unsure how much you qualify for because of your income source? Contact me to book a no-obligation consultation call and I can provide more information on what your options are or what steps you may need to start taking in order to qualify soon. Even if you don’t use me to get your mortgage my services are available at no cost.\r\n\r\nYou can call or text me at - 905.903.4799 or <a href=\"mailto:swhite@mortgagealliance.com\">email Steve White Mortgage Agent</a>','income sources for mortgage qualification','','inherit','closed','closed','','5367-revision-v1','','','2017-05-15 15:38:30','2017-05-15 15:38:30','',5367,'https://www.stevewhitemortgages.ca/2017/05/5367-revision-v1/',0,'revision','',0),(5370,1,'2017-05-15 15:39:03','2017-05-15 15:39:03','<h1>What income can be used to qualify for a mortgage?</h1>\r\nWhen you submit an application to get a mortgage, it’s the lender’s job to see that you\'re in a stable financial position to cover the costs of the mortgage, not only now but also the entire term of the mortgage. A big part of this process is determining your income.\r\n\r\nObviously the higher the level of income you have, the larger the mortgage amount you’ll qualify for - even if you don’t end up taking the whole mortgage amount that’s offered to you. I often recommend getting approved for a mortgage as large as possible - even if it’s higher than what your were planning. That way if you’re competing with other offers or find a perfect home slightly more expensive - you’re not struggling to find the difference to buy the house that fits your needs.\r\n\r\nThere are various forms of income that lenders will accept to qualify you for a successful mortgage application - not all income that ends up in your bank account will count. Lenders and banks will want to see a sustainable pattern of income and some lenders will only use the income amount that you’ve declared to the Canadian Revenue Agency. If you’re self employed or have some of these income types below, you’ll need a good mortgage broker to find the lender that will accept these incomes:\r\n<h2>Salary Income</h2>\r\nThis is the most common type of income for most people, but not everyone has a salary. Receiving steady salary income from an employer is the easiest way to qualify for a mortgage and your income can be easily verified through recent pay stubs and an employment letter, though lenders will want to ensure you’ve been working at the company for more than 90 days and have passed any probationary terms.\r\n\r\nMany lenders used to offer what’s known as “stated income” mortgages, where all a borrower had to do was declare their income, and the mortgage plan would be based on that number, without any confirmation procedure. Obviously, those days are pretty much gone. A two-year employment history is good enough.\r\n<h2>Self Employed Income</h2>\r\nSelf-employed income is a little trickier to ascertain. Some lenders will only use the income you’ve stated on your income taxes, while others understand that many business types generate a bit more income than what is stated and will average several months of deposits in your business account to calculate the income they’re comfortable with. Some lenders will require two years worth of statements, while others are satisfied with only a few months worth, again, a good mortgage broker is needed to know which lender will accept your business income statements.\r\n\r\nLenders need to confirm that you not only have the income today, but that you are likely to continue to have the same or more income through the whole term of the mortgage you’re requesting.\r\n\r\n&nbsp;\r\n<h2>Commission income</h2>\r\nSimilar to self-employment income, many lenders don’t feel comfortable using commission income to approve your mortgage as they would when you receive a steady salary. One of the reasons is that commission can fluctuate wildly from year to year and month to month.\r\n\r\nLenders will need to see a consistent pattern of commission and ensure that you have demonstrated the ability to maintain payments on other debts during times when your commission income drops. Your ability to make on-time mortgage payments for the entire term of the mortgage is their priority.\r\n<h2>Bonuses</h2>\r\nBonuses, as a part of your overall income, may be treated like commissions, but you will need to show a history of payments. Unlike commissions, for many individuals, a bonus is out of their hands and up to a company’s discretion. A description of the bonus, reasoning and amounts expected in the future will need to be included in the letter from the employer and is up to the lender to decide if they will include the amount in your affordability.\r\n<h2>Tips</h2>\r\nTips are common in certain jobs and may constitute a substantial portion of a worker’s income. However, lots of people don’t declare tips on their tax returns which could eventually be a problem in a mortgage calculation. Just like self-employed income, your income doesn’t match what you’re paying taxes on and you’ll need to work with a good mortgage broker.\r\n<h2>Rental income</h2>\r\nWhen have you a secondary rental suite or additional property that brings in revenue, then a portion of that income is allowed to be added and considered when qualifying you for a mortgage. If you already own the property you will need to provide a copy of the lease, property tax and mortgage statements to confirm the income and use it for qualifying. If the mortgage you are applying for is for an income property, then you won’t have a lease to confirm the rental income and you’ll have a different amount of income you can use. Not only that, but the rules for lending on rental properties are often changing.\r\n\r\nSo, guess what? Yup, a mortgage broker will know which lenders are ideal for applications including a rental property.\r\n<h2>Child support and alimony</h2>\r\nIf you receive money from a child support agreement or divorce settlement, then some lenders will allow you to include it toward your income. However, it may not qualify if it is a new arrangement. You will have to present proof that the payments comes from a reliable source and at regular periods. The income period varies and depends on the requirements and circumstances of the lender.\r\n\r\nThe case is flipped if you pay child support or alimony. The amount you pay will be deducted from your income and will reduce the amount of mortgage you qualify for.\r\n<h2>Pension/Retirement Income</h2>\r\nIf you retired and looking for a mortgage for yourself of you’re looking to co-sign with one of you children or grandkids, your pension income does qualify as does any other income since you receive on a regular basis. This includes money from your investments but you will need to show a consistent income amount.\r\n\r\nWhether you have several kinds of the income or not, always be forthright when speaking to your mortgage broker - they will properly shape your application in that approach to make it the most attractive to the best lender for your situation. Both your mortgage broker and the lender themselves will verify all the income you’ve declared before you’re approved and again before the funds are released, so you need to be honest with them or they can refuse to work with you.\r\n\r\nHave you been looking to buy or refinance your property but are unsure how much you qualify for because of your income source? Contact me to book a no-obligation consultation call and I can provide more information on what your options are or what steps you may need to start taking in order to qualify soon. Even if you don’t use me to get your mortgage my services are available at no cost.\r\n\r\nYou can call or text me at - 905.903.4799 or <a href=\"mailto:swhite@mortgagealliance.com\">email Steve White Mortgage Agent</a>','Income sources for mortgage qualification','','inherit','closed','closed','','5367-revision-v1','','','2017-05-15 15:39:03','2017-05-15 15:39:03','',5367,'https://www.stevewhitemortgages.ca/2017/05/5367-revision-v1/',0,'revision','',0),(5372,1,'2017-05-26 14:53:16','2017-05-26 14:53:16','','Hamilton/Burlington SPCA','','publish','closed','closed','','hamilton-burlington-spca','','','2017-05-26 15:11:07','2017-05-26 15:11:07','',0,'https://www.stevewhitemortgages.ca/?page_id=5372',0,'page','',0),(5373,1,'2017-05-26 14:35:52','2017-05-26 14:35:52','','Hamilton/Burlington SPCA','','inherit','closed','closed','','5372-revision-v1','','','2017-05-26 14:35:52','2017-05-26 14:35:52','',5372,'https://www.stevewhitemortgages.ca/2017/05/5372-revision-v1/',0,'revision','',0),(5374,1,'2017-05-26 14:46:15','2017-05-26 14:46:15','','cover','','inherit','closed','closed','','cover','','','2017-05-26 14:46:15','2017-05-26 14:46:15','',5372,'https://www.stevewhitemortgages.ca/wp-content/uploads/2017/05/cover.jpg',0,'attachment','image/jpeg',0),(5375,1,'2017-05-26 14:46:27','2017-05-26 14:46:27','','Hamilton/Burlington SPCA','','inherit','closed','closed','','5372-revision-v1','','','2017-05-26 14:46:27','2017-05-26 14:46:27','',5372,'https://www.stevewhitemortgages.ca/2017/05/5372-revision-v1/',0,'revision','',0),(5376,1,'2017-05-26 14:48:22','2017-05-26 14:48:22','','Hamilton/Burlington SPCA','','inherit','closed','closed','','5372-revision-v1','','','2017-05-26 14:48:22','2017-05-26 14:48:22','',5372,'https://www.stevewhitemortgages.ca/2017/05/5372-revision-v1/',0,'revision','',0),(5377,1,'2017-05-26 14:49:36','2017-05-26 14:49:36','','Hamilton/Burlington SPCA','','inherit','closed','closed','','5372-revision-v1','','','2017-05-26 14:49:36','2017-05-26 14:49:36','',5372,'https://www.stevewhitemortgages.ca/2017/05/5372-revision-v1/',0,'revision','',0),(5378,1,'2017-05-26 14:50:13','2017-05-26 14:50:13','','Hamilton/Burlington SPCA','','inherit','closed','closed','','5372-revision-v1','','','2017-05-26 14:50:13','2017-05-26 14:50:13','',5372,'https://www.stevewhitemortgages.ca/2017/05/5372-revision-v1/',0,'revision','',0),(5379,1,'2017-05-26 14:52:30','2017-05-26 14:52:30','','hbspca','','inherit','closed','closed','','hbspca','','','2017-05-26 14:52:30','2017-05-26 14:52:30','',5372,'https://www.stevewhitemortgages.ca/wp-content/uploads/2017/05/hbspca.jpg',0,'attachment','image/jpeg',0),(5380,1,'2017-05-26 14:52:41','2017-05-26 14:52:41','','Hamilton/Burlington SPCA','','inherit','closed','closed','','5372-revision-v1','','','2017-05-26 14:52:41','2017-05-26 14:52:41','',5372,'https://www.stevewhitemortgages.ca/2017/05/5372-revision-v1/',0,'revision','',0),(5388,1,'2017-06-12 16:21:49','2017-06-12 16:21:49','<h1><span style=\"color: #e66a1e;\">Durham Mortgage Broker Serving Ontario</span></h1>\r\n<div class=\"service-slideshow-content\">\r\n\r\n<span style=\"color: #808080;\">My name is Steve White and I’m a licensed mortgage agent with Mortgage Alliance – your Durham Mortgage Broker.</span>\r\n\r\n<span style=\"color: #808080;\">I help ensure everyday Canadians have the best possible mortgage, with the best possible rates and terms. I proudly do my best to keep more money in my client’s pockets and out of the bank’s coffers.</span>\r\n\r\n<span style=\"color: #808080;\">As a <strong>Durham Mortgage Broker</strong>, I work with over 60 mortgage lenders, including your own bank. We’re able to use our credibility and experience to get the best mortgage terms and rates to suit your needs and situation</span>\r\n\r\n<span style=\"color: #808080;\"> A good mortgage broker can help plan your mortgage around your long term goals, as well as short term life events – from helping pay for your child’s college/university, catching up on retirement savings to being mortgage free sooner.</span>\r\n<span style=\"color: #808080;\"> </span>\r\n<span style=\"color: #808080;\">Mortgage agents are there to help from before you even start to house shop, through packaging your financials, finding the right lender with the best rates/terms, overseeing the appraisal values and inspections, ensuring you’re not overbidding, checking in with your Realtor and lawyer and keeping all the financials running smoothly until you receive your keys.</span>\r\n\r\n</div>\r\n<span style=\"color: #808080;\">With interest rates at an all-time low, now is the ideal time to review your current mortgage and see if there’s a better deal out there. Even if you have several years left on your existing mortgage, I can help review your options to keep more money in your pocket.</span>\r\n\r\n<span style=\"color: #808080;\">Don’t sign your mortgage renewal without seeing what other options are out there. Most often there’s a better deal out there giving you better terms or lower rates. It’s worth an hour or two of your time to potentially save yourself and your family thousands of dollars a year.</span>\r\n\r\n<span style=\"color: #808080;\">Contact me to help find a solution to mounting debts before they damage your credit for years. I can help avoid power of sale, reduce your debt payments or find temporary funds to ease the pressure.</span>\r\n\r\n<span style=\"color: #808080;\">Before you head out shopping for your dream home, let me ensure you’re in the best possible financial position to make an offer.</span>\r\n\r\n<span style=\"color: #808080;\">Apply for a mortgage here - <a href=\"https://www.mortgageboss.ca/leadgeneration/add_lead.aspx?Agent_ID=11879\" target=\"_blank\" rel=\"noopener\">Mortgage Broker Application</a></span>','Durham Mortgage Broker Serving Ajax, Pickering, Whitby, Oshawa, Bowmanville','','inherit','closed','closed','','4547-revision-v1','','','2017-06-12 16:21:49','2017-06-12 16:21:49','',4547,'https://www.stevewhitemortgages.ca/2017/06/4547-revision-v1/',0,'revision','',0),(5392,1,'2017-06-30 18:48:25','2017-06-30 18:48:25','<h1>Summer is here but is the real estate market cooling?</h1>\r\n<big>As <a href=\"http://www.crea.ca/housing-market-stats/stats/\">recently reported</a> by the Canadian Real Estate Association (CREA) the number of homes sold across Canada via the MLS system fell by 6.2% in May 2017 compared to April 2017. The month over month percentage decline was the largest since August 2012. </big>\r\n\r\n<img class=\"size-medium wp-image-5394 aligncenter\" src=\"https://www.stevewhitemortgages.ca/wp-content/uploads/2017/06/homesales-300x175.jpeg\" alt=\"\" width=\"300\" height=\"175\" />\r\n\r\n<big>Toronto had the greatest decline at 25.3% while some markets such as Ottawa, Calgary and Edmonton saw increased sales in May 2017 compared to May 2016. This latest report indicates a more balanced and healthy housing market.</big>\r\n<h2>Low Mortgage Rates</h2>\r\n<big>Interest rates are still very low but based on recent comments made by the Bank of Canada Governor Stephen Poloz, rates might not stay this low for much longer. “The interest rate cuts the Bank of Canada made in 2015 have largely done their job as the economy appears to be gathering momentum” the head of the central bank said. The Canadian dollar also strengthened to a two month high against its US counterpart after Mr. Poloz comments only to see it weaker due to lower oil prices.</big>\r\n\r\n<big>Of course no one knows for sure when and if rates will rise and to what extent but with a healthier broad based Canadian economy growing at an annual rate of 3.7% during the first quarter, employment numbers suggest the economy has recovered from the recession that followed the decline of oil prices.</big>\r\n<blockquote><big><strong>Mortgage brokers now arrange 55% of all first-time homebuyers.</strong></big></blockquote>\r\n<big>With a more balanced real estate market and current low interest rates, this summer might be the best time to lock in your interest rate while shopping for your first dream home or the next dream home.</big>\r\n\r\n<big>With mortgages becoming more complicated over the last 12 to 18 months, it’s no wonder that mortgage brokers are becoming the preferable option when looking for the right mortgage. <strong>Mortgage brokers now arrange 55% of all first-time homebuyers.</strong></big>\r\n\r\n<big>As your mortgage professional my role is to work with you to get the most out of your mortgage. <strong><a href=\"https://www.stevewhitemortgages.ca/contact-page/\">Contact Steve</a> today</strong> - 905.903.4799 or SWhite@MortgageAlliance.com.</big>','Summer is here but is the real estate market cooling?','','publish','closed','open','','real-estate-market-cooling','','','2017-06-30 19:11:16','2017-06-30 19:11:16','',0,'https://www.stevewhitemortgages.ca/?p=5392',0,'post','',0),(5393,1,'2017-06-30 18:41:33','2017-06-30 18:41:33','','First time home buyers','young couple consider their mortgage options as first time home buyers','inherit','closed','closed','','happy-couple-dream-new-home-2','','','2017-06-30 18:42:33','2017-06-30 18:42:33','',5392,'https://www.stevewhitemortgages.ca/wp-content/uploads/2017/06/GettyImages-503154329.jpg',0,'attachment','image/jpeg',0),(5394,1,'2017-06-30 18:45:14','2017-06-30 18:45:14','','homesales','','inherit','closed','closed','','homesales','','','2017-06-30 18:45:14','2017-06-30 18:45:14','',5392,'https://www.stevewhitemortgages.ca/wp-content/uploads/2017/06/homesales.jpeg',0,'attachment','image/jpeg',0),(5395,1,'2017-06-30 18:48:25','2017-06-30 18:48:25','<h1>Summer is here but is the real estate market cooling?</h1>\r\n<big>As <a href=\"http://www.crea.ca/housing-market-stats/stats/\">recently reported</a> by the Canadian Real Estate Association (CREA) the number of homes sold across Canada via the MLS system fell by 6.2% in May 2017 compared to April 2017. The month over month percentage decline was the largest since August 2012. </big>\r\n\r\n<img class=\"size-medium wp-image-5394 aligncenter\" src=\"https://www.stevewhitemortgages.ca/wp-content/uploads/2017/06/homesales-300x175.jpeg\" alt=\"\" width=\"300\" height=\"175\" />\r\n\r\n<big>Toronto had the greatest decline at 25.3% while some markets such as Ottawa, Calgary and Edmonton saw increased sales in May 2017 compared to May 2016. This latest report indicates a more balanced and healthy housing market.</big>\r\n<h2>Low Mortgage Rates</h2>\r\n<big>Interest rates are still very low but based on recent comments made by the Bank of Canada Governor Stephen Poloz, rates might not stay this low for much longer. “The interest rate cuts the Bank of Canada made in 2015 have largely done their job as the economy appears to be gathering momentum” the head of the central bank said. The Canadian dollar also strengthened to a two month high against its US counterpart after Mr. Poloz comments only to see it weaker due to lower oil prices.</big>\r\n\r\n<big>Of course no one knows for sure when and if rates will rise and to what extent but with a healthier broad based Canadian economy growing at an annual rate of 3.7% during the first quarter, employment numbers suggest the economy has recovered from the recession that followed the decline of oil prices.</big>\r\n<blockquote><big><strong>Mortgage brokers now arrange 55% of all first-time homebuyers.</strong></big></blockquote>\r\n<big>With a more balanced real estate market and current low interest rates, this summer might be the best time to lock in your interest rate while shopping for your first dream home or the next dream home.</big>\r\n\r\n<big>With mortgages becoming more complicated over the last 12 to 18 months, it’s no wonder that mortgage brokers are becoming the preferable option when looking for the right mortgage. <strong>Mortgage brokers now arrange 55% of all first-time homebuyers.</strong></big>\r\n\r\n<big>As your mortgage professional my role is to work with you to get the most out of your mortgage. <strong><a href=\"https://www.stevewhitemortgages.ca/contact-page/\">Contact Steve</a> today</strong> - 905.903.4799 or SWhite@MortgageAlliance.com.</big>','Summer is here but is the real estate market cooling?','','inherit','closed','closed','','5392-revision-v1','','','2017-06-30 18:48:25','2017-06-30 18:48:25','',5392,'https://www.stevewhitemortgages.ca/2017/06/5392-revision-v1/',0,'revision','',0),(5396,1,'2017-06-30 18:49:53','2017-06-30 18:49:53','Young couple first time home buyers get a mortgage and move ','Moving house mortgage','Young couple first time home buyers get a mortgage and move ','inherit','closed','closed','','moving-house','','','2017-06-30 18:51:04','2017-06-30 18:51:04','',5392,'https://www.stevewhitemortgages.ca/wp-content/uploads/2017/06/GettyImages-626177900.jpg',0,'attachment','image/jpeg',0),(5397,1,'2017-06-30 19:10:14','2017-06-30 19:10:14','','best toronto mortgage rates','Steve White mortgage broker gets you the lowest mortgage rates','inherit','closed','closed','','mortgage-calculator-house-and-key-with-calculator','','','2017-06-30 19:11:13','2017-06-30 19:11:13','',5392,'https://www.stevewhitemortgages.ca/wp-content/uploads/2017/06/mortgagerates.jpg',0,'attachment','image/jpeg',0),(5398,1,'2017-07-03 14:44:31','2017-07-03 14:44:31','<div class=\"clear\"></div>\r\n<div class=\"clear\"></div>\r\n<div class=\"clear\"></div>\r\n<div class=\"clear\"></div>\r\n<section id=\"content-section-5\">\r\n<div class=\"gdlr-color-wrapper gdlr-show-all no-skin\" style=\"background-color: #f9f9f9;\">\r\n<div class=\"container\">\r\n<div class=\"gdlr-item gdlr-content-item\">\r\n<h1 class=\"quick-approval\" style=\"text-align: center;\"><span style=\"color: #d15706;\">Let\'s Get Started:</span></h1>\r\n<div class=\"clear\"></div>\r\n<div class=\"gdlr-space\" style=\"margin-top: 22px;\"></div>\r\n<div id=\"wpcf7-f5355-o1\" class=\"wpcf7\" dir=\"ltr\" lang=\"en-US\" role=\"form\">\r\n<div class=\"screen-reader-response\"></div>\r\n<form class=\"wpcf7-form\" action=\"/#wpcf7-f5355-o1\" method=\"post\" novalidate=\"novalidate\">\r\n<div style=\"display: none;\"><input name=\"_wpcf7\" type=\"hidden\" value=\"5355\" />\r\n<input name=\"_wpcf7_version\" type=\"hidden\" value=\"4.8\" />\r\n<input name=\"_wpcf7_locale\" type=\"hidden\" value=\"en_US\" />\r\n<input name=\"_wpcf7_unit_tag\" type=\"hidden\" value=\"wpcf7-f5355-o1\" />\r\n<input name=\"_wpcf7_container_post\" type=\"hidden\" value=\"0\" />\r\n<input name=\"_wpcf7_nonce\" type=\"hidden\" value=\"232ce4fa41\" /></div>\r\n<div class=\"gdlr-shortcode-wrapper gdlr-row-shortcode\">\r\n<div class=\"six columns\">\r\n<div class=\"gdlr-item\"><label> Your Name (required)\r\n<span class=\"wpcf7-form-control-wrap name-approval\"><input class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" name=\"name-approval\" size=\"40\" type=\"text\" value=\"\" aria-required=\"true\" aria-invalid=\"false\" /></span> </label>\r\n<label> Your Email (required)\r\n<span class=\"wpcf7-form-control-wrap email-approval\"><input class=\"wpcf7-form-control wpcf7-text wpcf7-email wpcf7-validates-as-required wpcf7-validates-as-email\" name=\"email-approval\" size=\"40\" type=\"email\" value=\"\" aria-required=\"true\" aria-invalid=\"false\" /></span> </label>\r\n<label> Your Phone Number (required)\r\n<span class=\"wpcf7-form-control-wrap phone-approval\"><input class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" name=\"phone-approval\" size=\"40\" type=\"text\" value=\"\" aria-required=\"true\" aria-invalid=\"false\" /></span> </label></div>\r\n</div>\r\n<div class=\"six columns\">\r\n<div class=\"gdlr-item\"><label class=\"hide-label\"> Your Name (required)</label>\r\n<span class=\"wpcf7-form-control-wrap menu-346\"><select class=\"wpcf7-form-control wpcf7-select wpcf7-validates-as-required\" name=\"menu-346\" aria-required=\"true\" aria-invalid=\"false\">\r\n<option value=\"I\'m interested In:\">I\'m interested In:</option>\r\n<option value=\"- Purchasing a home\">- Purchasing a home</option>\r\n<option value=\"- Refinancing my home\">- Refinancing my home</option>\r\n<option value=\"- Renewing my mortgage\">- Renewing my mortgage</option>\r\n<option value=\"- Purchasing an investment property\">- Purchasing an investment property</option>\r\n<option value=\"- Consolidate debt\">- Consolidate debt</option>\r\n</select></span>\r\n<label class=\"hide-label\"> Your Email (required)</label>\r\n<span class=\"wpcf7-form-control-wrap menu-452\"><select class=\"wpcf7-form-control wpcf7-select wpcf7-validates-as-required\" name=\"menu-452\" aria-required=\"true\" aria-invalid=\"false\">\r\n<option value=\"Employment:\">Employment:</option>\r\n<option value=\"- Full time permanent\">- Full time permanent</option>\r\n<option value=\"- Part time/contract\">- Part time/contract</option>\r\n<option value=\"- Self employed\">- Self employed</option>\r\n<option value=\"- Retired\">- Retired</option>\r\n</select></span>\r\n<label class=\"hide-label\"> Your Phone Number (required)</label>\r\n<span class=\"wpcf7-form-control-wrap menu-127\"><select class=\"wpcf7-form-control wpcf7-select\" name=\"menu-127\" aria-invalid=\"false\">\r\n<option value=\"Credit Score:\">Credit Score:</option>\r\n<option value=\"- Excellent (700+)\">- Excellent (700+)</option>\r\n<option value=\"- Good (640+)\">- Good (640+)</option>\r\n<option value=\"- Bruised (580+)\">- Bruised (580+)</option>\r\n<option value=\"- Other (Not sure)\">- Other (Not sure)</option>\r\n</select></span></div>\r\n</div>\r\n<div id=\"wpcf7-from\" class=\"twelve columns\"><input class=\"wpcf7-form-control wpcf7-submit\" type=\"submit\" value=\"Send\" /></div>\r\n<div class=\"clear\"></div>\r\n</div>\r\n<div class=\"wpcf7-response-output wpcf7-display-none\"></div>\r\n</form></div>\r\n</div>\r\n<div class=\"clear\"></div>\r\n<div class=\"clear\"></div>\r\n</div>\r\n</div>\r\n</section><section id=\"content-section-7\"></section>','KijijiLanding','','publish','closed','closed','','kijijilanding','','','2017-07-03 14:58:26','2017-07-03 14:58:26','',0,'https://www.stevewhitemortgages.ca/?page_id=5398',0,'page','',0),(5410,1,'2017-07-03 14:30:07','2017-07-03 14:30:07','','diana','','inherit','closed','closed','','diana','','','2017-07-03 14:30:07','2017-07-03 14:30:07','',5398,'https://www.stevewhitemortgages.ca/wp-content/uploads/2017/07/diana.jpg',0,'attachment','image/jpeg',0),(5415,1,'2017-07-03 14:38:49','2017-07-03 14:38:49','<div class=\"clear\"></div>\r\n<div class=\"clear\"></div>\r\n<div class=\"clear\"></div>\r\n<div class=\"clear\"></div>\r\n<section id=\"content-section-5\">\r\n<div class=\"gdlr-color-wrapper gdlr-show-all no-skin\" style=\"background-color: #f9f9f9;\">\r\n<div class=\"container\">\r\n<div class=\"gdlr-item gdlr-content-item\">\r\n<h1 class=\"quick-approval\" style=\"text-align: center;\"><span style=\"color: #d15706;\">Let\'s Get Started:</span></h1>\r\n<div class=\"clear\"></div>\r\n<div class=\"gdlr-space\" style=\"margin-top: 22px;\"></div>\r\n<div id=\"wpcf7-f5355-o1\" class=\"wpcf7\" dir=\"ltr\" lang=\"en-US\" role=\"form\">\r\n<div class=\"screen-reader-response\"></div>\r\n<form class=\"wpcf7-form\" action=\"/#wpcf7-f5355-o1\" method=\"post\" novalidate=\"novalidate\">\r\n<div style=\"display: none;\"><input name=\"_wpcf7\" type=\"hidden\" value=\"5355\" />\r\n<input name=\"_wpcf7_version\" type=\"hidden\" value=\"4.8\" />\r\n<input name=\"_wpcf7_locale\" type=\"hidden\" value=\"en_US\" />\r\n<input name=\"_wpcf7_unit_tag\" type=\"hidden\" value=\"wpcf7-f5355-o1\" />\r\n<input name=\"_wpcf7_container_post\" type=\"hidden\" value=\"0\" />\r\n<input name=\"_wpcf7_nonce\" type=\"hidden\" value=\"232ce4fa41\" /></div>\r\n<div class=\"gdlr-shortcode-wrapper gdlr-row-shortcode\">\r\n<div class=\"six columns\">\r\n<div class=\"gdlr-item\"><label> Your Name (required)\r\n<span class=\"wpcf7-form-control-wrap name-approval\"><input class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" name=\"name-approval\" size=\"40\" type=\"text\" value=\"\" aria-required=\"true\" aria-invalid=\"false\" /></span> </label>\r\n<label> Your Email (required)\r\n<span class=\"wpcf7-form-control-wrap email-approval\"><input class=\"wpcf7-form-control wpcf7-text wpcf7-email wpcf7-validates-as-required wpcf7-validates-as-email\" name=\"email-approval\" size=\"40\" type=\"email\" value=\"\" aria-required=\"true\" aria-invalid=\"false\" /></span> </label>\r\n<label> Your Phone Number (required)\r\n<span class=\"wpcf7-form-control-wrap phone-approval\"><input class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" name=\"phone-approval\" size=\"40\" type=\"text\" value=\"\" aria-required=\"true\" aria-invalid=\"false\" /></span> </label></div>\r\n</div>\r\n<div class=\"six columns\">\r\n<div class=\"gdlr-item\"><label class=\"hide-label\"> Your Name (required)</label>\r\n<span class=\"wpcf7-form-control-wrap menu-346\"><select class=\"wpcf7-form-control wpcf7-select wpcf7-validates-as-required\" name=\"menu-346\" aria-required=\"true\" aria-invalid=\"false\">\r\n<option value=\"I\'m interested In:\">I\'m interested In:</option>\r\n<option value=\"- Purchasing a home\">- Purchasing a home</option>\r\n<option value=\"- Refinancing my home\">- Refinancing my home</option>\r\n<option value=\"- Renewing my mortgage\">- Renewing my mortgage</option>\r\n<option value=\"- Purchasing an investment property\">- Purchasing an investment property</option>\r\n<option value=\"- Consolidate debt\">- Consolidate debt</option>\r\n</select></span>\r\n<label class=\"hide-label\"> Your Email (required)</label>\r\n<span class=\"wpcf7-form-control-wrap menu-452\"><select class=\"wpcf7-form-control wpcf7-select wpcf7-validates-as-required\" name=\"menu-452\" aria-required=\"true\" aria-invalid=\"false\">\r\n<option value=\"Employment:\">Employment:</option>\r\n<option value=\"- Full time permanent\">- Full time permanent</option>\r\n<option value=\"- Part time/contract\">- Part time/contract</option>\r\n<option value=\"- Self employed\">- Self employed</option>\r\n<option value=\"- Retired\">- Retired</option>\r\n</select></span>\r\n<label class=\"hide-label\"> Your Phone Number (required)</label>\r\n<span class=\"wpcf7-form-control-wrap menu-127\"><select class=\"wpcf7-form-control wpcf7-select\" name=\"menu-127\" aria-invalid=\"false\">\r\n<option value=\"Credit Score:\">Credit Score:</option>\r\n<option value=\"- Excellent (700+)\">- Excellent (700+)</option>\r\n<option value=\"- Good (640+)\">- Good (640+)</option>\r\n<option value=\"- Bruised (580+)\">- Bruised (580+)</option>\r\n<option value=\"- Other (Not sure)\">- Other (Not sure)</option>\r\n</select></span></div>\r\n</div>\r\n<div id=\"wpcf7-from\" class=\"twelve columns\"><input class=\"wpcf7-form-control wpcf7-submit\" type=\"submit\" value=\"Send\" /></div>\r\n<div class=\"clear\"></div>\r\n</div>\r\n<div class=\"wpcf7-response-output wpcf7-display-none\"></div>\r\n</form></div>\r\n</div>\r\n<div class=\"clear\"></div>\r\n<div class=\"clear\"></div>\r\n</div>\r\n</div>\r\n</section><section id=\"content-section-7\"></section>','KijijiLanding','','inherit','closed','closed','','5398-revision-v1','','','2017-07-03 14:38:49','2017-07-03 14:38:49','',5398,'https://www.stevewhitemortgages.ca/2017/07/5398-revision-v1/',0,'revision','',0),(5413,1,'2017-07-03 14:35:36','2017-07-03 14:35:36','','andre','','inherit','closed','closed','','andre','','','2017-07-03 14:35:36','2017-07-03 14:35:36','',5398,'https://www.stevewhitemortgages.ca/wp-content/uploads/2017/07/andre.jpg',0,'attachment','image/jpeg',0),(5414,1,'2017-07-03 14:37:14','2017-07-03 14:37:14','<div class=\"clear\"></div>\r\n<div class=\"clear\"></div>\r\n<div class=\"clear\"></div>\r\n<div class=\"clear\"></div>\r\n<section id=\"content-section-5\">\r\n<div class=\"gdlr-color-wrapper gdlr-show-all no-skin\" style=\"background-color: #f9f9f9;\">\r\n<div class=\"container\">\r\n<div class=\"gdlr-item gdlr-content-item\">\r\n<h1 class=\"quick-approval\" style=\"text-align: center;\"><span style=\"color: #d15706;\">Let\'s Get Started:</span></h1>\r\n<div class=\"clear\"></div>\r\n<div class=\"gdlr-space\" style=\"margin-top: 22px;\"></div>\r\n<div id=\"wpcf7-f5355-o1\" class=\"wpcf7\" dir=\"ltr\" lang=\"en-US\" role=\"form\">\r\n<div class=\"screen-reader-response\"></div>\r\n<form class=\"wpcf7-form\" action=\"/#wpcf7-f5355-o1\" method=\"post\" novalidate=\"novalidate\">\r\n<div style=\"display: none;\"><input name=\"_wpcf7\" type=\"hidden\" value=\"5355\" />\r\n<input name=\"_wpcf7_version\" type=\"hidden\" value=\"4.8\" />\r\n<input name=\"_wpcf7_locale\" type=\"hidden\" value=\"en_US\" />\r\n<input name=\"_wpcf7_unit_tag\" type=\"hidden\" value=\"wpcf7-f5355-o1\" />\r\n<input name=\"_wpcf7_container_post\" type=\"hidden\" value=\"0\" />\r\n<input name=\"_wpcf7_nonce\" type=\"hidden\" value=\"232ce4fa41\" /></div>\r\n<div class=\"gdlr-shortcode-wrapper gdlr-row-shortcode\">\r\n<div class=\"six columns\">\r\n<div class=\"gdlr-item\"><label> Your Name (required)\r\n<span class=\"wpcf7-form-control-wrap name-approval\"><input class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" name=\"name-approval\" size=\"40\" type=\"text\" value=\"\" aria-required=\"true\" aria-invalid=\"false\" /></span> </label>\r\n<label> Your Email (required)\r\n<span class=\"wpcf7-form-control-wrap email-approval\"><input class=\"wpcf7-form-control wpcf7-text wpcf7-email wpcf7-validates-as-required wpcf7-validates-as-email\" name=\"email-approval\" size=\"40\" type=\"email\" value=\"\" aria-required=\"true\" aria-invalid=\"false\" /></span> </label>\r\n<label> Your Phone Number (required)\r\n<span class=\"wpcf7-form-control-wrap phone-approval\"><input class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" name=\"phone-approval\" size=\"40\" type=\"text\" value=\"\" aria-required=\"true\" aria-invalid=\"false\" /></span> </label></div>\r\n</div>\r\n<div class=\"six columns\">\r\n<div class=\"gdlr-item\"><label class=\"hide-label\"> Your Name (required)</label>\r\n<span class=\"wpcf7-form-control-wrap menu-346\"><select class=\"wpcf7-form-control wpcf7-select wpcf7-validates-as-required\" name=\"menu-346\" aria-required=\"true\" aria-invalid=\"false\">\r\n<option value=\"I\'m interested In:\">I\'m interested In:</option>\r\n<option value=\"- Purchasing a home\">- Purchasing a home</option>\r\n<option value=\"- Refinancing my home\">- Refinancing my home</option>\r\n<option value=\"- Renewing my mortgage\">- Renewing my mortgage</option>\r\n<option value=\"- Purchasing an investment property\">- Purchasing an investment property</option>\r\n<option value=\"- Consolidate debt\">- Consolidate debt</option>\r\n</select></span>\r\n<label class=\"hide-label\"> Your Email (required)</label>\r\n<span class=\"wpcf7-form-control-wrap menu-452\"><select class=\"wpcf7-form-control wpcf7-select wpcf7-validates-as-required\" name=\"menu-452\" aria-required=\"true\" aria-invalid=\"false\">\r\n<option value=\"Employment:\">Employment:</option>\r\n<option value=\"- Full time permanent\">- Full time permanent</option>\r\n<option value=\"- Part time/contract\">- Part time/contract</option>\r\n<option value=\"- Self employed\">- Self employed</option>\r\n<option value=\"- Retired\">- Retired</option>\r\n</select></span>\r\n<label class=\"hide-label\"> Your Phone Number (required)</label>\r\n<span class=\"wpcf7-form-control-wrap menu-127\"><select class=\"wpcf7-form-control wpcf7-select\" name=\"menu-127\" aria-invalid=\"false\">\r\n<option value=\"Credit Score:\">Credit Score:</option>\r\n<option value=\"- Excellent (700+)\">- Excellent (700+)</option>\r\n<option value=\"- Good (640+)\">- Good (640+)</option>\r\n<option value=\"- Bruised (580+)\">- Bruised (580+)</option>\r\n<option value=\"- Other (Not sure)\">- Other (Not sure)</option>\r\n</select></span></div>\r\n</div>\r\n<div id=\"wpcf7-from\" class=\"twelve columns\"><input class=\"wpcf7-form-control wpcf7-submit\" type=\"submit\" value=\"Send\" /></div>\r\n<div class=\"clear\"></div>\r\n</div>\r\n<div class=\"wpcf7-response-output wpcf7-display-none\"></div>\r\n</form></div>\r\n</div>\r\n<div class=\"clear\"></div>\r\n<div class=\"clear\"></div>\r\n</div>\r\n</div>\r\n<div class=\"clear\">\r\n<ul class=\"slides\">\r\n 	<li><img src=\"https://www.stevewhitemortgages.ca/wp-content/uploads/2015/07/FSCO.jpg\" alt=\"\" width=\"200\" height=\"100\" /></li>\r\n 	<li><img src=\"https://www.stevewhitemortgages.ca/wp-content/uploads/2015/07/caamp.jpg\" alt=\"\" width=\"200\" height=\"100\" /></li>\r\n 	<li><img src=\"https://www.stevewhitemortgages.ca/wp-content/uploads/2015/07/MPC.jpg\" alt=\"\" width=\"200\" height=\"100\" /></li>\r\n 	<li><img src=\"https://www.stevewhitemortgages.ca/wp-content/uploads/2015/07/cmba.jpg\" alt=\"\" width=\"200\" height=\"100\" /></li>\r\n 	<li><img src=\"https://www.stevewhitemortgages.ca/wp-content/uploads/2015/07/cmhc.jpg\" alt=\"\" width=\"200\" height=\"100\" /></li>\r\n</ul>\r\n</div>\r\n</section><section id=\"content-section-7\">\r\n<div class=\"gdlr-color-wrapper gdlr-show-all no-skin\" style=\"background-color: #ffffff; padding-top: 60px; padding-bottom: 25px;\"></div>\r\n</section>','KijijiLanding','','inherit','closed','closed','','5398-revision-v1','','','2017-07-03 14:37:14','2017-07-03 14:37:14','',5398,'https://www.stevewhitemortgages.ca/2017/07/5398-revision-v1/',0,'revision','',0),(5412,1,'2017-07-03 14:31:21','2017-07-03 14:31:21','<div class=\"clear\"></div>\r\n<div class=\"clear\"></div>\r\n<div class=\"clear\"></div>\r\n<div class=\"clear\"></div>\r\n<section id=\"content-section-5\">\r\n<div class=\"gdlr-color-wrapper gdlr-show-all no-skin\" style=\"background-color: #f9f9f9;\">\r\n<div class=\"container\">\r\n<div class=\"gdlr-item gdlr-content-item\">\r\n<h1 class=\"quick-approval\" style=\"text-align: center;\"><span style=\"color: #d15706;\">Let\'s Get Started:</span></h1>\r\n<div class=\"clear\"></div>\r\n<div class=\"gdlr-space\" style=\"margin-top: 22px;\"></div>\r\n<div id=\"wpcf7-f5355-o1\" class=\"wpcf7\" dir=\"ltr\" lang=\"en-US\" role=\"form\">\r\n<div class=\"screen-reader-response\"></div>\r\n<form class=\"wpcf7-form\" action=\"/#wpcf7-f5355-o1\" method=\"post\" novalidate=\"novalidate\">\r\n<div style=\"display: none;\"><input name=\"_wpcf7\" type=\"hidden\" value=\"5355\" />\r\n<input name=\"_wpcf7_version\" type=\"hidden\" value=\"4.8\" />\r\n<input name=\"_wpcf7_locale\" type=\"hidden\" value=\"en_US\" />\r\n<input name=\"_wpcf7_unit_tag\" type=\"hidden\" value=\"wpcf7-f5355-o1\" />\r\n<input name=\"_wpcf7_container_post\" type=\"hidden\" value=\"0\" />\r\n<input name=\"_wpcf7_nonce\" type=\"hidden\" value=\"232ce4fa41\" /></div>\r\n<div class=\"gdlr-shortcode-wrapper gdlr-row-shortcode\">\r\n<div class=\"six columns\">\r\n<div class=\"gdlr-item\"><label> Your Name (required)\r\n<span class=\"wpcf7-form-control-wrap name-approval\"><input class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" name=\"name-approval\" size=\"40\" type=\"text\" value=\"\" aria-required=\"true\" aria-invalid=\"false\" /></span> </label>\r\n<label> Your Email (required)\r\n<span class=\"wpcf7-form-control-wrap email-approval\"><input class=\"wpcf7-form-control wpcf7-text wpcf7-email wpcf7-validates-as-required wpcf7-validates-as-email\" name=\"email-approval\" size=\"40\" type=\"email\" value=\"\" aria-required=\"true\" aria-invalid=\"false\" /></span> </label>\r\n<label> Your Phone Number (required)\r\n<span class=\"wpcf7-form-control-wrap phone-approval\"><input class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" name=\"phone-approval\" size=\"40\" type=\"text\" value=\"\" aria-required=\"true\" aria-invalid=\"false\" /></span> </label></div>\r\n</div>\r\n<div class=\"six columns\">\r\n<div class=\"gdlr-item\"><label class=\"hide-label\"> Your Name (required)</label>\r\n<span class=\"wpcf7-form-control-wrap menu-346\"><select class=\"wpcf7-form-control wpcf7-select wpcf7-validates-as-required\" name=\"menu-346\" aria-required=\"true\" aria-invalid=\"false\">\r\n<option value=\"I\'m interested In:\">I\'m interested In:</option>\r\n<option value=\"- Purchasing a home\">- Purchasing a home</option>\r\n<option value=\"- Refinancing my home\">- Refinancing my home</option>\r\n<option value=\"- Renewing my mortgage\">- Renewing my mortgage</option>\r\n<option value=\"- Purchasing an investment property\">- Purchasing an investment property</option>\r\n<option value=\"- Consolidate debt\">- Consolidate debt</option>\r\n</select></span>\r\n<label class=\"hide-label\"> Your Email (required)</label>\r\n<span class=\"wpcf7-form-control-wrap menu-452\"><select class=\"wpcf7-form-control wpcf7-select wpcf7-validates-as-required\" name=\"menu-452\" aria-required=\"true\" aria-invalid=\"false\">\r\n<option value=\"Employment:\">Employment:</option>\r\n<option value=\"- Full time permanent\">- Full time permanent</option>\r\n<option value=\"- Part time/contract\">- Part time/contract</option>\r\n<option value=\"- Self employed\">- Self employed</option>\r\n<option value=\"- Retired\">- Retired</option>\r\n</select></span>\r\n<label class=\"hide-label\"> Your Phone Number (required)</label>\r\n<span class=\"wpcf7-form-control-wrap menu-127\"><select class=\"wpcf7-form-control wpcf7-select\" name=\"menu-127\" aria-invalid=\"false\">\r\n<option value=\"Credit Score:\">Credit Score:</option>\r\n<option value=\"- Excellent (700+)\">- Excellent (700+)</option>\r\n<option value=\"- Good (640+)\">- Good (640+)</option>\r\n<option value=\"- Bruised (580+)\">- Bruised (580+)</option>\r\n<option value=\"- Other (Not sure)\">- Other (Not sure)</option>\r\n</select></span></div>\r\n</div>\r\n<div id=\"wpcf7-from\" class=\"twelve columns\"><input class=\"wpcf7-form-control wpcf7-submit\" type=\"submit\" value=\"Send\" /></div>\r\n<div class=\"clear\"></div>\r\n</div>\r\n<div class=\"wpcf7-response-output wpcf7-display-none\"></div>\r\n</form></div>\r\n</div>\r\n<div class=\"clear\"></div>\r\n<div class=\"clear\"></div>\r\n</div>\r\n</div>\r\n<div class=\"clear\"></div>\r\n</section><section id=\"content-section-6\">\r\n<div class=\"gdlr-color-wrapper gdlr-show-all no-skin\" style=\"background-color: #f5f5f5; padding-top: 65px; padding-bottom: 45px;\">\r\n<div class=\"container\">\r\n<div class=\"eight columns\">\r\n<div class=\"gdlr-item gdlr-content-item\" style=\"margin-bottom: 5px;\"></div>\r\n<div class=\"gdlr-testimonial-item-wrapper\">\r\n<div class=\"gdlr-item-title-wrapper gdlr-item gdlr-center gdlr-large \">\r\n<div class=\"gdlr-item-title-head\">\r\n<h3 class=\"gdlr-item-title gdlr-skin-title gdlr-skin-border\">What Clients Say</h3>\r\n</div>\r\n</div>\r\n<div class=\"gdlr-item-title-nav gdlr-nav-container gdlr-center gdlr-large\"><i class=\"icon-angle-left gdlr-flex-prev\"></i><span class=\"gdlr-testimonial-carousel-icon\">“</span><i class=\"icon-angle-right gdlr-flex-next\"></i></div>\r\n<div class=\"gdlr-item gdlr-testimonial-item carousel large plain-style\">\r\n<div class=\"gdlr-ux gdlr-testimonial-ux\">\r\n<div class=\"flexslider\" data-type=\"carousel\" data-nav-container=\"gdlr-testimonial-item\" data-columns=\"1\">\r\n<ul class=\"slides\">\r\n 	<li class=\"testimonial-item\">\r\n<div class=\"testimonial-content gdlr-skin-content\">\r\n\r\nI’ve had the opportunity to work with Steve over the past year with respect to his income properties. Steve takes pride in his work and pays great attention to detail. He is a very hands-on person making him very proactive in all aspects of real estate and has always been able to offer insight, expertise, experience, suggestions to improve our property values and way of community life for the better.\r\n\r\n</div>\r\n<div class=\"testimonial-info\"><span class=\"testimonial-author gdlr-skin-link-color\">Cheryl</span><span class=\"testimonial-position gdlr-skin-info\">, Property Manager</span></div></li>\r\n 	<li class=\"testimonial-item\">\r\n<div class=\"testimonial-content gdlr-skin-content\">\r\n\r\nI have worked with Steve on and off for eight years. Steve’s ability to manage and work with a large and diverse group of people are second to none. He is never hesitant to go the extra mile on behalf of our clients. He remains up to date in terms of industry knowledge and trends.\r\n\r\nI highly recommend Steve for not only his technical and professional abilities, but also for his ability to navigate difficult situations with tact and a sense of humour.\r\n\r\n<!-- #post -->\r\n\r\n</div></li>\r\n</ul>\r\n</div>\r\n</div>\r\n<div class=\"clear\"></div>\r\n</div>\r\n</div>\r\n</div>\r\n<div class=\"clear\"></div>\r\n</div>\r\n</div>\r\n<div class=\"clear\"></div>\r\n</section><section id=\"content-section-7\">\r\n<div class=\"gdlr-color-wrapper gdlr-show-all no-skin\" style=\"background-color: #ffffff; padding-top: 60px; padding-bottom: 25px;\">\r\n<div class=\"container\">\r\n<div class=\"gdlr-banner-item-wrapper\">\r\n<div class=\"gdlr-banner-images gdlr-item\">\r\n<div class=\"flexslider\" data-pausetime=\"7000\" data-slidespeed=\"600\" data-effect=\"fade\" data-columns=\"5\" data-type=\"carousel\" data-nav-container=\"gdlr-banner-images\">\r\n<ul class=\"slides\">\r\n 	<li><img src=\"https://www.stevewhitemortgages.ca/wp-content/uploads/2015/07/FSCO.jpg\" alt=\"\" width=\"200\" height=\"100\" /></li>\r\n 	<li><img src=\"https://www.stevewhitemortgages.ca/wp-content/uploads/2015/07/caamp.jpg\" alt=\"\" width=\"200\" height=\"100\" /></li>\r\n 	<li><img src=\"https://www.stevewhitemortgages.ca/wp-content/uploads/2015/07/MPC.jpg\" alt=\"\" width=\"200\" height=\"100\" /></li>\r\n 	<li><img src=\"https://www.stevewhitemortgages.ca/wp-content/uploads/2015/07/cmba.jpg\" alt=\"\" width=\"200\" height=\"100\" /></li>\r\n 	<li><img src=\"https://www.stevewhitemortgages.ca/wp-content/uploads/2015/07/cmhc.jpg\" alt=\"\" width=\"200\" height=\"100\" /></li>\r\n</ul>\r\n</div>\r\n</div>\r\n</div>\r\n<div class=\"clear\"></div>\r\n</div>\r\n</div>\r\n</section>','KijijiLanding','','inherit','closed','closed','','5398-revision-v1','','','2017-07-03 14:31:21','2017-07-03 14:31:21','',5398,'https://www.stevewhitemortgages.ca/2017/07/5398-revision-v1/',0,'revision','',0),(5425,0,'2017-07-06 00:44:29','2017-07-06 00:44:29','','prv0725nneighbourhoodssouthgranville00273.jpg','','inherit','closed','closed','','prv0725nneighbourhoodssouthgranville00273-jpg','','','2017-07-06 00:44:29','2017-07-06 00:44:29','',0,'https://www.stevewhitemortgages.ca/?attachment_id=5425',0,'attachment','image/jpeg',0),(5416,1,'2017-07-03 14:40:46','2017-07-03 14:40:46','<div class=\"clear\"></div>\r\n<div class=\"clear\"></div>\r\n<div class=\"clear\"></div>\r\n<div class=\"clear\"></div>\r\n<section id=\"content-section-5\">\r\n<div class=\"gdlr-color-wrapper gdlr-show-all no-skin\" style=\"background-color: #f9f9f9;\">\r\n<div class=\"container\">\r\n<div class=\"gdlr-item gdlr-content-item\">\r\n<h1 class=\"quick-approval\" style=\"text-align: center;\"><span style=\"color: #d15706;\">Let\'s Get Started:</span></h1>\r\n<div class=\"clear\"></div>\r\n<div class=\"gdlr-space\" style=\"margin-top: 22px;\"></div>\r\n<div id=\"wpcf7-f5355-o1\" class=\"wpcf7\" dir=\"ltr\" lang=\"en-US\" role=\"form\">\r\n<div class=\"screen-reader-response\"></div>\r\n<form class=\"wpcf7-form\" action=\"/#wpcf7-f5355-o1\" method=\"post\" novalidate=\"novalidate\">\r\n<div style=\"display: none;\"><input name=\"_wpcf7\" type=\"hidden\" value=\"5355\" />\r\n<input name=\"_wpcf7_version\" type=\"hidden\" value=\"4.8\" />\r\n<input name=\"_wpcf7_locale\" type=\"hidden\" value=\"en_US\" />\r\n<input name=\"_wpcf7_unit_tag\" type=\"hidden\" value=\"wpcf7-f5355-o1\" />\r\n<input name=\"_wpcf7_container_post\" type=\"hidden\" value=\"0\" />\r\n<input name=\"_wpcf7_nonce\" type=\"hidden\" value=\"232ce4fa41\" /></div>\r\n<div class=\"gdlr-shortcode-wrapper gdlr-row-shortcode\">\r\n<div class=\"six columns\">\r\n<div class=\"gdlr-item\"><label> Your Name (required)\r\n<span class=\"wpcf7-form-control-wrap name-approval\"><input class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" name=\"name-approval\" size=\"40\" type=\"text\" value=\"\" aria-required=\"true\" aria-invalid=\"false\" /></span> </label>\r\n<label> Your Email (required)\r\n<span class=\"wpcf7-form-control-wrap email-approval\"><input class=\"wpcf7-form-control wpcf7-text wpcf7-email wpcf7-validates-as-required wpcf7-validates-as-email\" name=\"email-approval\" size=\"40\" type=\"email\" value=\"\" aria-required=\"true\" aria-invalid=\"false\" /></span> </label>\r\n<label> Your Phone Number (required)\r\n<span class=\"wpcf7-form-control-wrap phone-approval\"><input class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" name=\"phone-approval\" size=\"40\" type=\"text\" value=\"\" aria-required=\"true\" aria-invalid=\"false\" /></span> </label></div>\r\n</div>\r\n<div class=\"six columns\">\r\n<div class=\"gdlr-item\"><label class=\"hide-label\"> Your Name (required)</label>\r\n<span class=\"wpcf7-form-control-wrap menu-346\"><select class=\"wpcf7-form-control wpcf7-select wpcf7-validates-as-required\" name=\"menu-346\" aria-required=\"true\" aria-invalid=\"false\">\r\n<option value=\"I\'m interested In:\">I\'m interested In:</option>\r\n<option value=\"- Purchasing a home\">- Purchasing a home</option>\r\n<option value=\"- Refinancing my home\">- Refinancing my home</option>\r\n<option value=\"- Renewing my mortgage\">- Renewing my mortgage</option>\r\n<option value=\"- Purchasing an investment property\">- Purchasing an investment property</option>\r\n<option value=\"- Consolidate debt\">- Consolidate debt</option>\r\n</select></span>\r\n<label class=\"hide-label\"> Your Email (required)</label>\r\n<span class=\"wpcf7-form-control-wrap menu-452\"><select class=\"wpcf7-form-control wpcf7-select wpcf7-validates-as-required\" name=\"menu-452\" aria-required=\"true\" aria-invalid=\"false\">\r\n<option value=\"Employment:\">Employment:</option>\r\n<option value=\"- Full time permanent\">- Full time permanent</option>\r\n<option value=\"- Part time/contract\">- Part time/contract</option>\r\n<option value=\"- Self employed\">- Self employed</option>\r\n<option value=\"- Retired\">- Retired</option>\r\n</select></span>\r\n<label class=\"hide-label\"> Your Phone Number (required)</label>\r\n<span class=\"wpcf7-form-control-wrap menu-127\"><select class=\"wpcf7-form-control wpcf7-select\" name=\"menu-127\" aria-invalid=\"false\">\r\n<option value=\"Credit Score:\">Credit Score:</option>\r\n<option value=\"- Excellent (700+)\">- Excellent (700+)</option>\r\n<option value=\"- Good (640+)\">- Good (640+)</option>\r\n<option value=\"- Bruised (580+)\">- Bruised (580+)</option>\r\n<option value=\"- Other (Not sure)\">- Other (Not sure)</option>\r\n</select></span></div>\r\n</div>\r\n<div id=\"wpcf7-from\" class=\"twelve columns\"><input class=\"wpcf7-form-control wpcf7-submit\" type=\"submit\" value=\"Send\" /></div>\r\n<div class=\"clear\"></div>\r\n</div>\r\n<div class=\"wpcf7-response-output wpcf7-display-none\"></div>\r\n</form></div>\r\n</div>\r\n<div class=\"clear\"></div>\r\n<div class=\"clear\"></div>\r\n</div>\r\n</div>\r\n</section><section id=\"content-section-7\"></section>','KijijiLanding','','inherit','closed','closed','','5398-revision-v1','','','2017-07-03 14:40:46','2017-07-03 14:40:46','',5398,'https://www.stevewhitemortgages.ca/2017/07/5398-revision-v1/',0,'revision','',0),(5417,1,'2017-07-03 14:42:26','2017-07-03 14:42:26','<div class=\"clear\"></div>\r\n<div class=\"clear\"></div>\r\n<div class=\"clear\"></div>\r\n<div class=\"clear\"></div>\r\n<section id=\"content-section-5\">\r\n<div class=\"gdlr-color-wrapper gdlr-show-all no-skin\" style=\"background-color: #f9f9f9;\">\r\n<div class=\"container\">\r\n<div class=\"gdlr-item gdlr-content-item\">\r\n<h1 class=\"quick-approval\" style=\"text-align: center;\"><span style=\"color: #d15706;\">Let\'s Get Started:</span></h1>\r\n<div class=\"clear\"></div>\r\n<div class=\"gdlr-space\" style=\"margin-top: 22px;\"></div>\r\n<div id=\"wpcf7-f5355-o1\" class=\"wpcf7\" dir=\"ltr\" lang=\"en-US\" role=\"form\">\r\n<div class=\"screen-reader-response\"></div>\r\n<form class=\"wpcf7-form\" action=\"/#wpcf7-f5355-o1\" method=\"post\" novalidate=\"novalidate\">\r\n<div style=\"display: none;\"><input name=\"_wpcf7\" type=\"hidden\" value=\"5355\" />\r\n<input name=\"_wpcf7_version\" type=\"hidden\" value=\"4.8\" />\r\n<input name=\"_wpcf7_locale\" type=\"hidden\" value=\"en_US\" />\r\n<input name=\"_wpcf7_unit_tag\" type=\"hidden\" value=\"wpcf7-f5355-o1\" />\r\n<input name=\"_wpcf7_container_post\" type=\"hidden\" value=\"0\" />\r\n<input name=\"_wpcf7_nonce\" type=\"hidden\" value=\"232ce4fa41\" /></div>\r\n<div class=\"gdlr-shortcode-wrapper gdlr-row-shortcode\">\r\n<div class=\"six columns\">\r\n<div class=\"gdlr-item\"><label> Your Name (required)\r\n<span class=\"wpcf7-form-control-wrap name-approval\"><input class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" name=\"name-approval\" size=\"40\" type=\"text\" value=\"\" aria-required=\"true\" aria-invalid=\"false\" /></span> </label>\r\n<label> Your Email (required)\r\n<span class=\"wpcf7-form-control-wrap email-approval\"><input class=\"wpcf7-form-control wpcf7-text wpcf7-email wpcf7-validates-as-required wpcf7-validates-as-email\" name=\"email-approval\" size=\"40\" type=\"email\" value=\"\" aria-required=\"true\" aria-invalid=\"false\" /></span> </label>\r\n<label> Your Phone Number (required)\r\n<span class=\"wpcf7-form-control-wrap phone-approval\"><input class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" name=\"phone-approval\" size=\"40\" type=\"text\" value=\"\" aria-required=\"true\" aria-invalid=\"false\" /></span> </label></div>\r\n</div>\r\n<div class=\"six columns\">\r\n<div class=\"gdlr-item\"><label class=\"hide-label\"> Your Name (required)</label>\r\n<span class=\"wpcf7-form-control-wrap menu-346\"><select class=\"wpcf7-form-control wpcf7-select wpcf7-validates-as-required\" name=\"menu-346\" aria-required=\"true\" aria-invalid=\"false\">\r\n<option value=\"I\'m interested In:\">I\'m interested In:</option>\r\n<option value=\"- Purchasing a home\">- Purchasing a home</option>\r\n<option value=\"- Refinancing my home\">- Refinancing my home</option>\r\n<option value=\"- Renewing my mortgage\">- Renewing my mortgage</option>\r\n<option value=\"- Purchasing an investment property\">- Purchasing an investment property</option>\r\n<option value=\"- Consolidate debt\">- Consolidate debt</option>\r\n</select></span>\r\n<label class=\"hide-label\"> Your Email (required)</label>\r\n<span class=\"wpcf7-form-control-wrap menu-452\"><select class=\"wpcf7-form-control wpcf7-select wpcf7-validates-as-required\" name=\"menu-452\" aria-required=\"true\" aria-invalid=\"false\">\r\n<option value=\"Employment:\">Employment:</option>\r\n<option value=\"- Full time permanent\">- Full time permanent</option>\r\n<option value=\"- Part time/contract\">- Part time/contract</option>\r\n<option value=\"- Self employed\">- Self employed</option>\r\n<option value=\"- Retired\">- Retired</option>\r\n</select></span>\r\n<label class=\"hide-label\"> Your Phone Number (required)</label>\r\n<span class=\"wpcf7-form-control-wrap menu-127\"><select class=\"wpcf7-form-control wpcf7-select\" name=\"menu-127\" aria-invalid=\"false\">\r\n<option value=\"Credit Score:\">Credit Score:</option>\r\n<option value=\"- Excellent (700+)\">- Excellent (700+)</option>\r\n<option value=\"- Good (640+)\">- Good (640+)</option>\r\n<option value=\"- Bruised (580+)\">- Bruised (580+)</option>\r\n<option value=\"- Other (Not sure)\">- Other (Not sure)</option>\r\n</select></span></div>\r\n</div>\r\n<div id=\"wpcf7-from\" class=\"twelve columns\"><input class=\"wpcf7-form-control wpcf7-submit\" type=\"submit\" value=\"Send\" /></div>\r\n<div class=\"clear\"></div>\r\n</div>\r\n<div class=\"wpcf7-response-output wpcf7-display-none\"></div>\r\n</form></div>\r\n</div>\r\n<div class=\"clear\"></div>\r\n<div class=\"clear\"></div>\r\n</div>\r\n</div>\r\n</section><section id=\"content-section-7\"></section>','KijijiLanding','','inherit','closed','closed','','5398-revision-v1','','','2017-07-03 14:42:26','2017-07-03 14:42:26','',5398,'https://www.stevewhitemortgages.ca/2017/07/5398-revision-v1/',0,'revision','',0),(5418,1,'2017-07-03 14:43:27','2017-07-03 14:43:27','<div class=\"clear\"></div>\r\n<div class=\"clear\"></div>\r\n<div class=\"clear\"></div>\r\n<div class=\"clear\"></div>\r\n<section id=\"content-section-5\">\r\n<div class=\"gdlr-color-wrapper gdlr-show-all no-skin\" style=\"background-color: #f9f9f9;\">\r\n<div class=\"container\">\r\n<div class=\"gdlr-item gdlr-content-item\">\r\n<h1 class=\"quick-approval\" style=\"text-align: center;\"><span style=\"color: #d15706;\">Let\'s Get Started:</span></h1>\r\n<div class=\"clear\"></div>\r\n<div class=\"gdlr-space\" style=\"margin-top: 22px;\"></div>\r\n<div id=\"wpcf7-f5355-o1\" class=\"wpcf7\" dir=\"ltr\" lang=\"en-US\" role=\"form\">\r\n<div class=\"screen-reader-response\"></div>\r\n<form class=\"wpcf7-form\" action=\"/#wpcf7-f5355-o1\" method=\"post\" novalidate=\"novalidate\">\r\n<div style=\"display: none;\"><input name=\"_wpcf7\" type=\"hidden\" value=\"5355\" />\r\n<input name=\"_wpcf7_version\" type=\"hidden\" value=\"4.8\" />\r\n<input name=\"_wpcf7_locale\" type=\"hidden\" value=\"en_US\" />\r\n<input name=\"_wpcf7_unit_tag\" type=\"hidden\" value=\"wpcf7-f5355-o1\" />\r\n<input name=\"_wpcf7_container_post\" type=\"hidden\" value=\"0\" />\r\n<input name=\"_wpcf7_nonce\" type=\"hidden\" value=\"232ce4fa41\" /></div>\r\n<div class=\"gdlr-shortcode-wrapper gdlr-row-shortcode\">\r\n<div class=\"six columns\">\r\n<div class=\"gdlr-item\"><label> Your Name (required)\r\n<span class=\"wpcf7-form-control-wrap name-approval\"><input class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" name=\"name-approval\" size=\"40\" type=\"text\" value=\"\" aria-required=\"true\" aria-invalid=\"false\" /></span> </label>\r\n<label> Your Email (required)\r\n<span class=\"wpcf7-form-control-wrap email-approval\"><input class=\"wpcf7-form-control wpcf7-text wpcf7-email wpcf7-validates-as-required wpcf7-validates-as-email\" name=\"email-approval\" size=\"40\" type=\"email\" value=\"\" aria-required=\"true\" aria-invalid=\"false\" /></span> </label>\r\n<label> Your Phone Number (required)\r\n<span class=\"wpcf7-form-control-wrap phone-approval\"><input class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" name=\"phone-approval\" size=\"40\" type=\"text\" value=\"\" aria-required=\"true\" aria-invalid=\"false\" /></span> </label></div>\r\n</div>\r\n<div class=\"six columns\">\r\n<div class=\"gdlr-item\"><label class=\"hide-label\"> Your Name (required)</label>\r\n<span class=\"wpcf7-form-control-wrap menu-346\"><select class=\"wpcf7-form-control wpcf7-select wpcf7-validates-as-required\" name=\"menu-346\" aria-required=\"true\" aria-invalid=\"false\">\r\n<option value=\"I\'m interested In:\">I\'m interested In:</option>\r\n<option value=\"- Purchasing a home\">- Purchasing a home</option>\r\n<option value=\"- Refinancing my home\">- Refinancing my home</option>\r\n<option value=\"- Renewing my mortgage\">- Renewing my mortgage</option>\r\n<option value=\"- Purchasing an investment property\">- Purchasing an investment property</option>\r\n<option value=\"- Consolidate debt\">- Consolidate debt</option>\r\n</select></span>\r\n<label class=\"hide-label\"> Your Email (required)</label>\r\n<span class=\"wpcf7-form-control-wrap menu-452\"><select class=\"wpcf7-form-control wpcf7-select wpcf7-validates-as-required\" name=\"menu-452\" aria-required=\"true\" aria-invalid=\"false\">\r\n<option value=\"Employment:\">Employment:</option>\r\n<option value=\"- Full time permanent\">- Full time permanent</option>\r\n<option value=\"- Part time/contract\">- Part time/contract</option>\r\n<option value=\"- Self employed\">- Self employed</option>\r\n<option value=\"- Retired\">- Retired</option>\r\n</select></span>\r\n<label class=\"hide-label\"> Your Phone Number (required)</label>\r\n<span class=\"wpcf7-form-control-wrap menu-127\"><select class=\"wpcf7-form-control wpcf7-select\" name=\"menu-127\" aria-invalid=\"false\">\r\n<option value=\"Credit Score:\">Credit Score:</option>\r\n<option value=\"- Excellent (700+)\">- Excellent (700+)</option>\r\n<option value=\"- Good (640+)\">- Good (640+)</option>\r\n<option value=\"- Bruised (580+)\">- Bruised (580+)</option>\r\n<option value=\"- Other (Not sure)\">- Other (Not sure)</option>\r\n</select></span></div>\r\n</div>\r\n<div id=\"wpcf7-from\" class=\"twelve columns\"><input class=\"wpcf7-form-control wpcf7-submit\" type=\"submit\" value=\"Send\" /></div>\r\n<div class=\"clear\"></div>\r\n</div>\r\n<div class=\"wpcf7-response-output wpcf7-display-none\"></div>\r\n</form></div>\r\n</div>\r\n<div class=\"clear\"></div>\r\n<div class=\"clear\"></div>\r\n</div>\r\n</div>\r\n</section><section id=\"content-section-7\"></section>','KijijiLanding','','inherit','closed','closed','','5398-revision-v1','','','2017-07-03 14:43:27','2017-07-03 14:43:27','',5398,'https://www.stevewhitemortgages.ca/2017/07/5398-revision-v1/',0,'revision','',0),(5419,1,'2017-07-03 14:43:53','2017-07-03 14:43:53','<div class=\"clear\"></div>\r\n<div class=\"clear\"></div>\r\n<div class=\"clear\"></div>\r\n<div class=\"clear\"></div>\r\n<section id=\"content-section-5\">\r\n<div class=\"gdlr-color-wrapper gdlr-show-all no-skin\" style=\"background-color: #f9f9f9;\">\r\n<div class=\"container\">\r\n<div class=\"gdlr-item gdlr-content-item\">\r\n<h1 class=\"quick-approval\" style=\"text-align: center;\"><span style=\"color: #d15706;\">Let\'s Get Started:</span></h1>\r\n<div class=\"clear\"></div>\r\n<div class=\"gdlr-space\" style=\"margin-top: 22px;\"></div>\r\n<div id=\"wpcf7-f5355-o1\" class=\"wpcf7\" dir=\"ltr\" lang=\"en-US\" role=\"form\">\r\n<div class=\"screen-reader-response\"></div>\r\n<form class=\"wpcf7-form\" action=\"/#wpcf7-f5355-o1\" method=\"post\" novalidate=\"novalidate\">\r\n<div style=\"display: none;\"><input name=\"_wpcf7\" type=\"hidden\" value=\"5355\" />\r\n<input name=\"_wpcf7_version\" type=\"hidden\" value=\"4.8\" />\r\n<input name=\"_wpcf7_locale\" type=\"hidden\" value=\"en_US\" />\r\n<input name=\"_wpcf7_unit_tag\" type=\"hidden\" value=\"wpcf7-f5355-o1\" />\r\n<input name=\"_wpcf7_container_post\" type=\"hidden\" value=\"0\" />\r\n<input name=\"_wpcf7_nonce\" type=\"hidden\" value=\"232ce4fa41\" /></div>\r\n<div class=\"gdlr-shortcode-wrapper gdlr-row-shortcode\">\r\n<div class=\"six columns\">\r\n<div class=\"gdlr-item\"><label> Your Name (required)\r\n<span class=\"wpcf7-form-control-wrap name-approval\"><input class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" name=\"name-approval\" size=\"40\" type=\"text\" value=\"\" aria-required=\"true\" aria-invalid=\"false\" /></span> </label>\r\n<label> Your Email (required)\r\n<span class=\"wpcf7-form-control-wrap email-approval\"><input class=\"wpcf7-form-control wpcf7-text wpcf7-email wpcf7-validates-as-required wpcf7-validates-as-email\" name=\"email-approval\" size=\"40\" type=\"email\" value=\"\" aria-required=\"true\" aria-invalid=\"false\" /></span> </label>\r\n<label> Your Phone Number (required)\r\n<span class=\"wpcf7-form-control-wrap phone-approval\"><input class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" name=\"phone-approval\" size=\"40\" type=\"text\" value=\"\" aria-required=\"true\" aria-invalid=\"false\" /></span> </label></div>\r\n</div>\r\n<div class=\"six columns\">\r\n<div class=\"gdlr-item\"><label class=\"hide-label\"> Your Name (required)</label>\r\n<span class=\"wpcf7-form-control-wrap menu-346\"><select class=\"wpcf7-form-control wpcf7-select wpcf7-validates-as-required\" name=\"menu-346\" aria-required=\"true\" aria-invalid=\"false\">\r\n<option value=\"I\'m interested In:\">I\'m interested In:</option>\r\n<option value=\"- Purchasing a home\">- Purchasing a home</option>\r\n<option value=\"- Refinancing my home\">- Refinancing my home</option>\r\n<option value=\"- Renewing my mortgage\">- Renewing my mortgage</option>\r\n<option value=\"- Purchasing an investment property\">- Purchasing an investment property</option>\r\n<option value=\"- Consolidate debt\">- Consolidate debt</option>\r\n</select></span>\r\n<label class=\"hide-label\"> Your Email (required)</label>\r\n<span class=\"wpcf7-form-control-wrap menu-452\"><select class=\"wpcf7-form-control wpcf7-select wpcf7-validates-as-required\" name=\"menu-452\" aria-required=\"true\" aria-invalid=\"false\">\r\n<option value=\"Employment:\">Employment:</option>\r\n<option value=\"- Full time permanent\">- Full time permanent</option>\r\n<option value=\"- Part time/contract\">- Part time/contract</option>\r\n<option value=\"- Self employed\">- Self employed</option>\r\n<option value=\"- Retired\">- Retired</option>\r\n</select></span>\r\n<label class=\"hide-label\"> Your Phone Number (required)</label>\r\n<span class=\"wpcf7-form-control-wrap menu-127\"><select class=\"wpcf7-form-control wpcf7-select\" name=\"menu-127\" aria-invalid=\"false\">\r\n<option value=\"Credit Score:\">Credit Score:</option>\r\n<option value=\"- Excellent (700+)\">- Excellent (700+)</option>\r\n<option value=\"- Good (640+)\">- Good (640+)</option>\r\n<option value=\"- Bruised (580+)\">- Bruised (580+)</option>\r\n<option value=\"- Other (Not sure)\">- Other (Not sure)</option>\r\n</select></span></div>\r\n</div>\r\n<div id=\"wpcf7-from\" class=\"twelve columns\"><input class=\"wpcf7-form-control wpcf7-submit\" type=\"submit\" value=\"Send\" /></div>\r\n<div class=\"clear\"></div>\r\n</div>\r\n<div class=\"wpcf7-response-output wpcf7-display-none\"></div>\r\n</form></div>\r\n</div>\r\n<div class=\"clear\"></div>\r\n<div class=\"clear\"></div>\r\n</div>\r\n</div>\r\n</section><section id=\"content-section-7\"></section>','KijijiLanding','','inherit','closed','closed','','5398-revision-v1','','','2017-07-03 14:43:53','2017-07-03 14:43:53','',5398,'https://www.stevewhitemortgages.ca/2017/07/5398-revision-v1/',0,'revision','',0),(5422,1,'2017-07-03 16:02:15','2017-07-03 16:02:15','<div class=\"clear\"></div>\r\n<div class=\"clear\"></div>\r\n<div class=\"clear\"></div>\r\n<div class=\"clear\"></div>\r\n<section id=\"content-section-5\">\r\n<div class=\"gdlr-color-wrapper gdlr-show-all no-skin\" style=\"background-color: #f9f9f9;\">\r\n<div class=\"container\">\r\n<div class=\"gdlr-item gdlr-content-item\">\r\n<h1 class=\"quick-approval\" style=\"text-align: center;\"><span style=\"color: #d15706;\">Let\'s Get Started:</span></h1>\r\n<div class=\"clear\"></div>\r\n<div class=\"gdlr-space\" style=\"margin-top: 22px;\"></div>\r\n<div id=\"wpcf7-f5355-o1\" class=\"wpcf7\" dir=\"ltr\" lang=\"en-US\" role=\"form\">\r\n<div class=\"screen-reader-response\"></div>\r\n<form class=\"wpcf7-form\" action=\"/#wpcf7-f5355-o1\" method=\"post\" novalidate=\"novalidate\">\r\n<div style=\"display: none;\"><input name=\"_wpcf7\" type=\"hidden\" value=\"5355\" />\r\n<input name=\"_wpcf7_version\" type=\"hidden\" value=\"4.8\" />\r\n<input name=\"_wpcf7_locale\" type=\"hidden\" value=\"en_US\" />\r\n<input name=\"_wpcf7_unit_tag\" type=\"hidden\" value=\"wpcf7-f5355-o1\" />\r\n<input name=\"_wpcf7_container_post\" type=\"hidden\" value=\"0\" />\r\n<input name=\"_wpcf7_nonce\" type=\"hidden\" value=\"232ce4fa41\" /></div>\r\n<div class=\"gdlr-shortcode-wrapper gdlr-row-shortcode\">\r\n<div class=\"six columns\">\r\n<div class=\"gdlr-item\"><label> Your Name (required)\r\n<span class=\"wpcf7-form-control-wrap name-approval\"><input class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" name=\"name-approval\" size=\"40\" type=\"text\" value=\"\" aria-required=\"true\" aria-invalid=\"false\" /></span> </label>\r\n<label> Your Email (required)\r\n<span class=\"wpcf7-form-control-wrap email-approval\"><input class=\"wpcf7-form-control wpcf7-text wpcf7-email wpcf7-validates-as-required wpcf7-validates-as-email\" name=\"email-approval\" size=\"40\" type=\"email\" value=\"\" aria-required=\"true\" aria-invalid=\"false\" /></span> </label>\r\n<label> Your Phone Number (required)\r\n<span class=\"wpcf7-form-control-wrap phone-approval\"><input class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" name=\"phone-approval\" size=\"40\" type=\"text\" value=\"\" aria-required=\"true\" aria-invalid=\"false\" /></span> </label></div>\r\n</div>\r\n<div class=\"six columns\">\r\n<div class=\"gdlr-item\"><label class=\"hide-label\"> Your Name (required)</label>\r\n<span class=\"wpcf7-form-control-wrap menu-346\"><select class=\"wpcf7-form-control wpcf7-select wpcf7-validates-as-required\" name=\"menu-346\" aria-required=\"true\" aria-invalid=\"false\">\r\n<option value=\"I\'m interested In:\">I\'m interested In:</option>\r\n<option value=\"- Purchasing a home\">- Purchasing a home</option>\r\n<option value=\"- Refinancing my home\">- Refinancing my home</option>\r\n<option value=\"- Renewing my mortgage\">- Renewing my mortgage</option>\r\n<option value=\"- Purchasing an investment property\">- Purchasing an investment property</option>\r\n<option value=\"- Consolidate debt\">- Consolidate debt</option>\r\n</select></span>\r\n<label class=\"hide-label\"> Your Email (required)</label>\r\n<span class=\"wpcf7-form-control-wrap menu-452\"><select class=\"wpcf7-form-control wpcf7-select wpcf7-validates-as-required\" name=\"menu-452\" aria-required=\"true\" aria-invalid=\"false\">\r\n<option value=\"Employment:\">Employment:</option>\r\n<option value=\"- Full time permanent\">- Full time permanent</option>\r\n<option value=\"- Part time/contract\">- Part time/contract</option>\r\n<option value=\"- Self employed\">- Self employed</option>\r\n<option value=\"- Retired\">- Retired</option>\r\n</select></span>\r\n<label class=\"hide-label\"> Your Phone Number (required)</label>\r\n<span class=\"wpcf7-form-control-wrap menu-127\"><select class=\"wpcf7-form-control wpcf7-select\" name=\"menu-127\" aria-invalid=\"false\">\r\n<option value=\"Credit Score:\">Credit Score:</option>\r\n<option value=\"- Excellent (700+)\">- Excellent (700+)</option>\r\n<option value=\"- Good (640+)\">- Good (640+)</option>\r\n<option value=\"- Bruised (580+)\">- Bruised (580+)</option>\r\n<option value=\"- Other (Not sure)\">- Other (Not sure)</option>\r\n</select></span></div>\r\n</div>\r\n<div id=\"wpcf7-from\" class=\"twelve columns\"><input class=\"wpcf7-form-control wpcf7-submit\" type=\"submit\" value=\"Send\" /></div>\r\n<div class=\"clear\"></div>\r\n</div>\r\n<div class=\"wpcf7-response-output wpcf7-display-none\"></div>\r\n</form></div>\r\n</div>\r\n<div class=\"clear\"></div>\r\n<div class=\"clear\"></div>\r\n</div>\r\n</div>\r\n</section><section id=\"content-section-7\"></section>','Renovation Financing Kijiji','','inherit','closed','closed','','5420-autosave-v1','','','2017-07-03 16:02:15','2017-07-03 16:02:15','',5420,'https://www.stevewhitemortgages.ca/2017/07/5420-autosave-v1/',0,'revision','',0),(5420,1,'2017-07-03 15:40:58','2017-07-03 15:40:58','<div class=\"clear\"></div>\r\n<div class=\"clear\"></div>\r\n<div class=\"clear\"></div>\r\n<div class=\"clear\"></div>\r\n<section id=\"content-section-5\">\r\n<div class=\"gdlr-color-wrapper gdlr-show-all no-skin\" style=\"background-color: #f9f9f9;\">\r\n<div class=\"container\">\r\n<div class=\"gdlr-item gdlr-content-item\">\r\n<h1 class=\"quick-approval\" style=\"text-align: center;\"><span style=\"color: #d15706;\">Let\'s Get Started:</span></h1>\r\n<div class=\"clear\"></div>\r\n<div class=\"gdlr-space\" style=\"margin-top: 22px;\"></div>\r\n<div id=\"wpcf7-f5355-o1\" class=\"wpcf7\" dir=\"ltr\" lang=\"en-US\" role=\"form\">\r\n<div class=\"screen-reader-response\"></div>\r\n<form class=\"wpcf7-form\" action=\"/#wpcf7-f5355-o1\" method=\"post\" novalidate=\"novalidate\">\r\n<div style=\"display: none;\"><input name=\"_wpcf7\" type=\"hidden\" value=\"5355\" />\r\n<input name=\"_wpcf7_version\" type=\"hidden\" value=\"4.8\" />\r\n<input name=\"_wpcf7_locale\" type=\"hidden\" value=\"en_US\" />\r\n<input name=\"_wpcf7_unit_tag\" type=\"hidden\" value=\"wpcf7-f5355-o1\" />\r\n<input name=\"_wpcf7_container_post\" type=\"hidden\" value=\"0\" />\r\n<input name=\"_wpcf7_nonce\" type=\"hidden\" value=\"232ce4fa41\" /></div>\r\n<div class=\"gdlr-shortcode-wrapper gdlr-row-shortcode\">\r\n<div class=\"six columns\">\r\n<div class=\"gdlr-item\"><label> Your Name (required)\r\n<span class=\"wpcf7-form-control-wrap name-approval\"><input class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" name=\"name-approval\" size=\"40\" type=\"text\" value=\"\" aria-required=\"true\" aria-invalid=\"false\" /></span> </label>\r\n<label> Your Email (required)\r\n<span class=\"wpcf7-form-control-wrap email-approval\"><input class=\"wpcf7-form-control wpcf7-text wpcf7-email wpcf7-validates-as-required wpcf7-validates-as-email\" name=\"email-approval\" size=\"40\" type=\"email\" value=\"\" aria-required=\"true\" aria-invalid=\"false\" /></span> </label>\r\n<label> Your Phone Number (required)\r\n<span class=\"wpcf7-form-control-wrap phone-approval\"><input class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" name=\"phone-approval\" size=\"40\" type=\"text\" value=\"\" aria-required=\"true\" aria-invalid=\"false\" /></span> </label></div>\r\n</div>\r\n<div class=\"six columns\">\r\n<div class=\"gdlr-item\"><label class=\"hide-label\"> Your Name (required)</label>\r\n<span class=\"wpcf7-form-control-wrap menu-346\"><select class=\"wpcf7-form-control wpcf7-select wpcf7-validates-as-required\" name=\"menu-346\" aria-required=\"true\" aria-invalid=\"false\">\r\n<option value=\"I\'m interested In:\">I\'m interested In:</option>\r\n<option value=\"- Purchasing a home\">- Purchasing a home</option>\r\n<option value=\"- Refinancing my home\">- Refinancing my home</option>\r\n<option value=\"- Renewing my mortgage\">- Renewing my mortgage</option>\r\n<option value=\"- Purchasing an investment property\">- Purchasing an investment property</option>\r\n<option value=\"- Consolidate debt\">- Consolidate debt</option>\r\n</select></span>\r\n<label class=\"hide-label\"> Your Email (required)</label>\r\n<span class=\"wpcf7-form-control-wrap menu-452\"><select class=\"wpcf7-form-control wpcf7-select wpcf7-validates-as-required\" name=\"menu-452\" aria-required=\"true\" aria-invalid=\"false\">\r\n<option value=\"Employment:\">Employment:</option>\r\n<option value=\"- Full time permanent\">- Full time permanent</option>\r\n<option value=\"- Part time/contract\">- Part time/contract</option>\r\n<option value=\"- Self employed\">- Self employed</option>\r\n<option value=\"- Retired\">- Retired</option>\r\n</select></span>\r\n<label class=\"hide-label\"> Your Phone Number (required)</label>\r\n<span class=\"wpcf7-form-control-wrap menu-127\"><select class=\"wpcf7-form-control wpcf7-select\" name=\"menu-127\" aria-invalid=\"false\">\r\n<option value=\"Credit Score:\">Credit Score:</option>\r\n<option value=\"- Excellent (700+)\">- Excellent (700+)</option>\r\n<option value=\"- Good (640+)\">- Good (640+)</option>\r\n<option value=\"- Bruised (580+)\">- Bruised (580+)</option>\r\n<option value=\"- Other (Not sure)\">- Other (Not sure)</option>\r\n</select></span></div>\r\n</div>\r\n<div id=\"wpcf7-from\" class=\"twelve columns\"><input class=\"wpcf7-form-control wpcf7-submit\" type=\"submit\" value=\"Send\" /></div>\r\n<div class=\"clear\"></div>\r\n</div>\r\n<div class=\"wpcf7-response-output wpcf7-display-none\"></div>\r\n</form></div>\r\n</div>\r\n<div class=\"clear\"></div>\r\n<div class=\"clear\"></div>\r\n</div>\r\n</div>\r\n</section><section id=\"content-section-7\"></section>','Renovation Financing Kijiji','','publish','closed','closed','','renovation-financing','','','2017-07-03 15:40:58','2017-07-03 15:40:58','',0,'https://www.stevewhitemortgages.ca/?page_id=5420',0,'page','',0),(5421,1,'2017-07-03 15:40:58','2017-07-03 15:40:58','<div class=\"clear\"></div>\r\n<div class=\"clear\"></div>\r\n<div class=\"clear\"></div>\r\n<div class=\"clear\"></div>\r\n<section id=\"content-section-5\">\r\n<div class=\"gdlr-color-wrapper gdlr-show-all no-skin\" style=\"background-color: #f9f9f9;\">\r\n<div class=\"container\">\r\n<div class=\"gdlr-item gdlr-content-item\">\r\n<h1 class=\"quick-approval\" style=\"text-align: center;\"><span style=\"color: #d15706;\">Let\'s Get Started:</span></h1>\r\n<div class=\"clear\"></div>\r\n<div class=\"gdlr-space\" style=\"margin-top: 22px;\"></div>\r\n<div id=\"wpcf7-f5355-o1\" class=\"wpcf7\" dir=\"ltr\" lang=\"en-US\" role=\"form\">\r\n<div class=\"screen-reader-response\"></div>\r\n<form class=\"wpcf7-form\" action=\"/#wpcf7-f5355-o1\" method=\"post\" novalidate=\"novalidate\">\r\n<div style=\"display: none;\"><input name=\"_wpcf7\" type=\"hidden\" value=\"5355\" />\r\n<input name=\"_wpcf7_version\" type=\"hidden\" value=\"4.8\" />\r\n<input name=\"_wpcf7_locale\" type=\"hidden\" value=\"en_US\" />\r\n<input name=\"_wpcf7_unit_tag\" type=\"hidden\" value=\"wpcf7-f5355-o1\" />\r\n<input name=\"_wpcf7_container_post\" type=\"hidden\" value=\"0\" />\r\n<input name=\"_wpcf7_nonce\" type=\"hidden\" value=\"232ce4fa41\" /></div>\r\n<div class=\"gdlr-shortcode-wrapper gdlr-row-shortcode\">\r\n<div class=\"six columns\">\r\n<div class=\"gdlr-item\"><label> Your Name (required)\r\n<span class=\"wpcf7-form-control-wrap name-approval\"><input class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" name=\"name-approval\" size=\"40\" type=\"text\" value=\"\" aria-required=\"true\" aria-invalid=\"false\" /></span> </label>\r\n<label> Your Email (required)\r\n<span class=\"wpcf7-form-control-wrap email-approval\"><input class=\"wpcf7-form-control wpcf7-text wpcf7-email wpcf7-validates-as-required wpcf7-validates-as-email\" name=\"email-approval\" size=\"40\" type=\"email\" value=\"\" aria-required=\"true\" aria-invalid=\"false\" /></span> </label>\r\n<label> Your Phone Number (required)\r\n<span class=\"wpcf7-form-control-wrap phone-approval\"><input class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" name=\"phone-approval\" size=\"40\" type=\"text\" value=\"\" aria-required=\"true\" aria-invalid=\"false\" /></span> </label></div>\r\n</div>\r\n<div class=\"six columns\">\r\n<div class=\"gdlr-item\"><label class=\"hide-label\"> Your Name (required)</label>\r\n<span class=\"wpcf7-form-control-wrap menu-346\"><select class=\"wpcf7-form-control wpcf7-select wpcf7-validates-as-required\" name=\"menu-346\" aria-required=\"true\" aria-invalid=\"false\">\r\n<option value=\"I\'m interested In:\">I\'m interested In:</option>\r\n<option value=\"- Purchasing a home\">- Purchasing a home</option>\r\n<option value=\"- Refinancing my home\">- Refinancing my home</option>\r\n<option value=\"- Renewing my mortgage\">- Renewing my mortgage</option>\r\n<option value=\"- Purchasing an investment property\">- Purchasing an investment property</option>\r\n<option value=\"- Consolidate debt\">- Consolidate debt</option>\r\n</select></span>\r\n<label class=\"hide-label\"> Your Email (required)</label>\r\n<span class=\"wpcf7-form-control-wrap menu-452\"><select class=\"wpcf7-form-control wpcf7-select wpcf7-validates-as-required\" name=\"menu-452\" aria-required=\"true\" aria-invalid=\"false\">\r\n<option value=\"Employment:\">Employment:</option>\r\n<option value=\"- Full time permanent\">- Full time permanent</option>\r\n<option value=\"- Part time/contract\">- Part time/contract</option>\r\n<option value=\"- Self employed\">- Self employed</option>\r\n<option value=\"- Retired\">- Retired</option>\r\n</select></span>\r\n<label class=\"hide-label\"> Your Phone Number (required)</label>\r\n<span class=\"wpcf7-form-control-wrap menu-127\"><select class=\"wpcf7-form-control wpcf7-select\" name=\"menu-127\" aria-invalid=\"false\">\r\n<option value=\"Credit Score:\">Credit Score:</option>\r\n<option value=\"- Excellent (700+)\">- Excellent (700+)</option>\r\n<option value=\"- Good (640+)\">- Good (640+)</option>\r\n<option value=\"- Bruised (580+)\">- Bruised (580+)</option>\r\n<option value=\"- Other (Not sure)\">- Other (Not sure)</option>\r\n</select></span></div>\r\n</div>\r\n<div id=\"wpcf7-from\" class=\"twelve columns\"><input class=\"wpcf7-form-control wpcf7-submit\" type=\"submit\" value=\"Send\" /></div>\r\n<div class=\"clear\"></div>\r\n</div>\r\n<div class=\"wpcf7-response-output wpcf7-display-none\"></div>\r\n</form></div>\r\n</div>\r\n<div class=\"clear\"></div>\r\n<div class=\"clear\"></div>\r\n</div>\r\n</div>\r\n</section><section id=\"content-section-7\"></section>','Renovation Financing Kijiji','','inherit','closed','closed','','5420-revision-v1','','','2017-07-03 15:40:58','2017-07-03 15:40:58','',5420,'https://www.stevewhitemortgages.ca/2017/07/5420-revision-v1/',0,'revision','',0),(5408,1,'2017-07-03 14:19:20','2017-07-03 14:19:20','<div class=\"clear\"></div>\r\n<div class=\"clear\"></div>\r\n<div class=\"clear\"></div>\r\n<div class=\"clear\"></div>\r\n<section id=\"content-section-5\">\r\n<div class=\"gdlr-color-wrapper gdlr-show-all no-skin\" style=\"background-color: #f9f9f9;\">\r\n<div class=\"container\">\r\n<div class=\"gdlr-item gdlr-content-item\">\r\n<h1 class=\"quick-approval\" style=\"text-align: center;\"><span style=\"color: #d15706;\">Let\'s Get Started:</span></h1>\r\n<div class=\"clear\"></div>\r\n<div class=\"gdlr-space\" style=\"margin-top: 22px;\"></div>\r\n<div id=\"wpcf7-f5355-o1\" class=\"wpcf7\" dir=\"ltr\" lang=\"en-US\" role=\"form\">\r\n<div class=\"screen-reader-response\"></div>\r\n<form class=\"wpcf7-form\" action=\"/#wpcf7-f5355-o1\" method=\"post\" novalidate=\"novalidate\">\r\n<div style=\"display: none;\"><input name=\"_wpcf7\" type=\"hidden\" value=\"5355\" />\r\n<input name=\"_wpcf7_version\" type=\"hidden\" value=\"4.8\" />\r\n<input name=\"_wpcf7_locale\" type=\"hidden\" value=\"en_US\" />\r\n<input name=\"_wpcf7_unit_tag\" type=\"hidden\" value=\"wpcf7-f5355-o1\" />\r\n<input name=\"_wpcf7_container_post\" type=\"hidden\" value=\"0\" />\r\n<input name=\"_wpcf7_nonce\" type=\"hidden\" value=\"232ce4fa41\" /></div>\r\n<div class=\"gdlr-shortcode-wrapper gdlr-row-shortcode\">\r\n<div class=\"six columns\">\r\n<div class=\"gdlr-item\"><label> Your Name (required)\r\n<span class=\"wpcf7-form-control-wrap name-approval\"><input class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" name=\"name-approval\" size=\"40\" type=\"text\" value=\"\" aria-required=\"true\" aria-invalid=\"false\" /></span> </label>\r\n<label> Your Email (required)\r\n<span class=\"wpcf7-form-control-wrap email-approval\"><input class=\"wpcf7-form-control wpcf7-text wpcf7-email wpcf7-validates-as-required wpcf7-validates-as-email\" name=\"email-approval\" size=\"40\" type=\"email\" value=\"\" aria-required=\"true\" aria-invalid=\"false\" /></span> </label>\r\n<label> Your Phone Number (required)\r\n<span class=\"wpcf7-form-control-wrap phone-approval\"><input class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" name=\"phone-approval\" size=\"40\" type=\"text\" value=\"\" aria-required=\"true\" aria-invalid=\"false\" /></span> </label></div>\r\n</div>\r\n<div class=\"six columns\">\r\n<div class=\"gdlr-item\"><label class=\"hide-label\"> Your Name (required)</label>\r\n<span class=\"wpcf7-form-control-wrap menu-346\"><select class=\"wpcf7-form-control wpcf7-select wpcf7-validates-as-required\" name=\"menu-346\" aria-required=\"true\" aria-invalid=\"false\">\r\n<option value=\"I\'m interested In:\">I\'m interested In:</option>\r\n<option value=\"- Purchasing a home\">- Purchasing a home</option>\r\n<option value=\"- Refinancing my home\">- Refinancing my home</option>\r\n<option value=\"- Renewing my mortgage\">- Renewing my mortgage</option>\r\n<option value=\"- Purchasing an investment property\">- Purchasing an investment property</option>\r\n<option value=\"- Consolidate debt\">- Consolidate debt</option>\r\n</select></span>\r\n<label class=\"hide-label\"> Your Email (required)</label>\r\n<span class=\"wpcf7-form-control-wrap menu-452\"><select class=\"wpcf7-form-control wpcf7-select wpcf7-validates-as-required\" name=\"menu-452\" aria-required=\"true\" aria-invalid=\"false\">\r\n<option value=\"Employment:\">Employment:</option>\r\n<option value=\"- Full time permanent\">- Full time permanent</option>\r\n<option value=\"- Part time/contract\">- Part time/contract</option>\r\n<option value=\"- Self employed\">- Self employed</option>\r\n<option value=\"- Retired\">- Retired</option>\r\n</select></span>\r\n<label class=\"hide-label\"> Your Phone Number (required)</label>\r\n<span class=\"wpcf7-form-control-wrap menu-127\"><select class=\"wpcf7-form-control wpcf7-select\" name=\"menu-127\" aria-invalid=\"false\">\r\n<option value=\"Credit Score:\">Credit Score:</option>\r\n<option value=\"- Excellent (700+)\">- Excellent (700+)</option>\r\n<option value=\"- Good (640+)\">- Good (640+)</option>\r\n<option value=\"- Bruised (580+)\">- Bruised (580+)</option>\r\n<option value=\"- Other (Not sure)\">- Other (Not sure)</option>\r\n</select></span></div>\r\n</div>\r\n<div id=\"wpcf7-from\" class=\"twelve columns\"><input class=\"wpcf7-form-control wpcf7-submit\" type=\"submit\" value=\"Send\" /></div>\r\n<div class=\"clear\"></div>\r\n</div>\r\n<div class=\"wpcf7-response-output wpcf7-display-none\"></div>\r\n</form></div>\r\n</div>\r\n<div class=\"clear\"></div>\r\n<div class=\"clear\"></div>\r\n</div>\r\n</div>\r\n<div class=\"clear\"></div>\r\n</section><section id=\"content-section-6\">\r\n<div class=\"gdlr-color-wrapper gdlr-show-all no-skin\" style=\"background-color: #f5f5f5; padding-top: 65px; padding-bottom: 45px;\">\r\n<div class=\"container\">\r\n<div class=\"eight columns\">\r\n<div class=\"gdlr-item gdlr-content-item\" style=\"margin-bottom: 5px;\"></div>\r\n<div class=\"gdlr-testimonial-item-wrapper\">\r\n<div class=\"gdlr-item-title-wrapper gdlr-item gdlr-center gdlr-large \">\r\n<div class=\"gdlr-item-title-head\">\r\n<h3 class=\"gdlr-item-title gdlr-skin-title gdlr-skin-border\">What Clients Say</h3>\r\n</div>\r\n</div>\r\n<div class=\"gdlr-item-title-nav gdlr-nav-container gdlr-center gdlr-large\"><i class=\"icon-angle-left gdlr-flex-prev\"></i><span class=\"gdlr-testimonial-carousel-icon\">“</span><i class=\"icon-angle-right gdlr-flex-next\"></i></div>\r\n<div class=\"gdlr-item gdlr-testimonial-item carousel large plain-style\">\r\n<div class=\"gdlr-ux gdlr-testimonial-ux\">\r\n<div class=\"flexslider\" data-type=\"carousel\" data-nav-container=\"gdlr-testimonial-item\" data-columns=\"1\">\r\n<ul class=\"slides\">\r\n 	<li class=\"testimonial-item\">\r\n<div class=\"testimonial-content gdlr-skin-content\">\r\n\r\nI’ve had the opportunity to work with Steve over the past year with respect to his income properties. Steve takes pride in his work and pays great attention to detail. He is a very hands-on person making him very proactive in all aspects of real estate and has always been able to offer insight, expertise, experience, suggestions to improve our property values and way of community life for the better.\r\n\r\n</div>\r\n<div class=\"testimonial-info\"><span class=\"testimonial-author gdlr-skin-link-color\">Cheryl</span><span class=\"testimonial-position gdlr-skin-info\">, Property Manager</span></div></li>\r\n 	<li class=\"testimonial-item\">\r\n<div class=\"testimonial-content gdlr-skin-content\">\r\n\r\nI have worked with Steve on and off for eight years. Steve’s ability to manage and work with a large and diverse group of people are second to none. He is never hesitant to go the extra mile on behalf of our clients. He remains up to date in terms of industry knowledge and trends.\r\n\r\nI highly recommend Steve for not only his technical and professional abilities, but also for his ability to navigate difficult situations with tact and a sense of humour.\r\n\r\n<!-- #post -->\r\n\r\n</div></li>\r\n</ul>\r\n</div>\r\n</div>\r\n<div class=\"clear\"></div>\r\n</div>\r\n</div>\r\n</div>\r\n<div class=\"clear\"></div>\r\n</div>\r\n</div>\r\n<div class=\"clear\"></div>\r\n</section><section id=\"content-section-7\">\r\n<div class=\"gdlr-color-wrapper gdlr-show-all no-skin\" style=\"background-color: #ffffff; padding-top: 60px; padding-bottom: 25px;\">\r\n<div class=\"container\">\r\n<div class=\"gdlr-banner-item-wrapper\">\r\n<div class=\"gdlr-banner-images gdlr-item\">\r\n<div class=\"flexslider\" data-pausetime=\"7000\" data-slidespeed=\"600\" data-effect=\"fade\" data-columns=\"5\" data-type=\"carousel\" data-nav-container=\"gdlr-banner-images\">\r\n<ul class=\"slides\">\r\n 	<li><img src=\"https://www.stevewhitemortgages.ca/wp-content/uploads/2015/07/FSCO.jpg\" alt=\"\" width=\"200\" height=\"100\" /></li>\r\n 	<li><img src=\"https://www.stevewhitemortgages.ca/wp-content/uploads/2015/07/caamp.jpg\" alt=\"\" width=\"200\" height=\"100\" /></li>\r\n 	<li><img src=\"https://www.stevewhitemortgages.ca/wp-content/uploads/2015/07/MPC.jpg\" alt=\"\" width=\"200\" height=\"100\" /></li>\r\n 	<li><img src=\"https://www.stevewhitemortgages.ca/wp-content/uploads/2015/07/cmba.jpg\" alt=\"\" width=\"200\" height=\"100\" /></li>\r\n 	<li><img src=\"https://www.stevewhitemortgages.ca/wp-content/uploads/2015/07/cmhc.jpg\" alt=\"\" width=\"200\" height=\"100\" /></li>\r\n</ul>\r\n</div>\r\n</div>\r\n</div>\r\n<div class=\"clear\"></div>\r\n</div>\r\n</div>\r\n</section>','KijijiLanding','','inherit','closed','closed','','5398-revision-v1','','','2017-07-03 14:19:20','2017-07-03 14:19:20','',5398,'https://www.stevewhitemortgages.ca/2017/07/5398-revision-v1/',0,'revision','',0),(5409,1,'2017-07-03 14:20:32','2017-07-03 14:20:32','<div class=\"clear\"></div>\r\n<div class=\"clear\"></div>\r\n<div class=\"clear\"></div>\r\n<div class=\"clear\"></div>\r\n<section id=\"content-section-5\">\r\n<div class=\"gdlr-color-wrapper gdlr-show-all no-skin\" style=\"background-color: #f9f9f9;\">\r\n<div class=\"container\">\r\n<div class=\"gdlr-item gdlr-content-item\">\r\n<h1 class=\"quick-approval\" style=\"text-align: center;\"><span style=\"color: #d15706;\">Let\'s Get Started:</span></h1>\r\n<div class=\"clear\"></div>\r\n<div class=\"gdlr-space\" style=\"margin-top: 22px;\"></div>\r\n<div id=\"wpcf7-f5355-o1\" class=\"wpcf7\" dir=\"ltr\" lang=\"en-US\" role=\"form\">\r\n<div class=\"screen-reader-response\"></div>\r\n<form class=\"wpcf7-form\" action=\"/#wpcf7-f5355-o1\" method=\"post\" novalidate=\"novalidate\">\r\n<div style=\"display: none;\"><input name=\"_wpcf7\" type=\"hidden\" value=\"5355\" />\r\n<input name=\"_wpcf7_version\" type=\"hidden\" value=\"4.8\" />\r\n<input name=\"_wpcf7_locale\" type=\"hidden\" value=\"en_US\" />\r\n<input name=\"_wpcf7_unit_tag\" type=\"hidden\" value=\"wpcf7-f5355-o1\" />\r\n<input name=\"_wpcf7_container_post\" type=\"hidden\" value=\"0\" />\r\n<input name=\"_wpcf7_nonce\" type=\"hidden\" value=\"232ce4fa41\" /></div>\r\n<div class=\"gdlr-shortcode-wrapper gdlr-row-shortcode\">\r\n<div class=\"six columns\">\r\n<div class=\"gdlr-item\"><label> Your Name (required)\r\n<span class=\"wpcf7-form-control-wrap name-approval\"><input class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" name=\"name-approval\" size=\"40\" type=\"text\" value=\"\" aria-required=\"true\" aria-invalid=\"false\" /></span> </label>\r\n<label> Your Email (required)\r\n<span class=\"wpcf7-form-control-wrap email-approval\"><input class=\"wpcf7-form-control wpcf7-text wpcf7-email wpcf7-validates-as-required wpcf7-validates-as-email\" name=\"email-approval\" size=\"40\" type=\"email\" value=\"\" aria-required=\"true\" aria-invalid=\"false\" /></span> </label>\r\n<label> Your Phone Number (required)\r\n<span class=\"wpcf7-form-control-wrap phone-approval\"><input class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" name=\"phone-approval\" size=\"40\" type=\"text\" value=\"\" aria-required=\"true\" aria-invalid=\"false\" /></span> </label></div>\r\n</div>\r\n<div class=\"six columns\">\r\n<div class=\"gdlr-item\"><label class=\"hide-label\"> Your Name (required)</label>\r\n<span class=\"wpcf7-form-control-wrap menu-346\"><select class=\"wpcf7-form-control wpcf7-select wpcf7-validates-as-required\" name=\"menu-346\" aria-required=\"true\" aria-invalid=\"false\">\r\n<option value=\"I\'m interested In:\">I\'m interested In:</option>\r\n<option value=\"- Purchasing a home\">- Purchasing a home</option>\r\n<option value=\"- Refinancing my home\">- Refinancing my home</option>\r\n<option value=\"- Renewing my mortgage\">- Renewing my mortgage</option>\r\n<option value=\"- Purchasing an investment property\">- Purchasing an investment property</option>\r\n<option value=\"- Consolidate debt\">- Consolidate debt</option>\r\n</select></span>\r\n<label class=\"hide-label\"> Your Email (required)</label>\r\n<span class=\"wpcf7-form-control-wrap menu-452\"><select class=\"wpcf7-form-control wpcf7-select wpcf7-validates-as-required\" name=\"menu-452\" aria-required=\"true\" aria-invalid=\"false\">\r\n<option value=\"Employment:\">Employment:</option>\r\n<option value=\"- Full time permanent\">- Full time permanent</option>\r\n<option value=\"- Part time/contract\">- Part time/contract</option>\r\n<option value=\"- Self employed\">- Self employed</option>\r\n<option value=\"- Retired\">- Retired</option>\r\n</select></span>\r\n<label class=\"hide-label\"> Your Phone Number (required)</label>\r\n<span class=\"wpcf7-form-control-wrap menu-127\"><select class=\"wpcf7-form-control wpcf7-select\" name=\"menu-127\" aria-invalid=\"false\">\r\n<option value=\"Credit Score:\">Credit Score:</option>\r\n<option value=\"- Excellent (700+)\">- Excellent (700+)</option>\r\n<option value=\"- Good (640+)\">- Good (640+)</option>\r\n<option value=\"- Bruised (580+)\">- Bruised (580+)</option>\r\n<option value=\"- Other (Not sure)\">- Other (Not sure)</option>\r\n</select></span></div>\r\n</div>\r\n<div id=\"wpcf7-from\" class=\"twelve columns\"><input class=\"wpcf7-form-control wpcf7-submit\" type=\"submit\" value=\"Send\" /></div>\r\n<div class=\"clear\"></div>\r\n</div>\r\n<div class=\"wpcf7-response-output wpcf7-display-none\"></div>\r\n</form></div>\r\n</div>\r\n<div class=\"clear\"></div>\r\n<div class=\"clear\"></div>\r\n</div>\r\n</div>\r\n<div class=\"clear\"></div>\r\n</section><section id=\"content-section-6\">\r\n<div class=\"gdlr-color-wrapper gdlr-show-all no-skin\" style=\"background-color: #f5f5f5; padding-top: 65px; padding-bottom: 45px;\">\r\n<div class=\"container\">\r\n<div class=\"eight columns\">\r\n<div class=\"gdlr-item gdlr-content-item\" style=\"margin-bottom: 5px;\"></div>\r\n<div class=\"gdlr-testimonial-item-wrapper\">\r\n<div class=\"gdlr-item-title-wrapper gdlr-item gdlr-center gdlr-large \">\r\n<div class=\"gdlr-item-title-head\">\r\n<h3 class=\"gdlr-item-title gdlr-skin-title gdlr-skin-border\">What Clients Say</h3>\r\n</div>\r\n</div>\r\n<div class=\"gdlr-item-title-nav gdlr-nav-container gdlr-center gdlr-large\"><i class=\"icon-angle-left gdlr-flex-prev\"></i><span class=\"gdlr-testimonial-carousel-icon\">“</span><i class=\"icon-angle-right gdlr-flex-next\"></i></div>\r\n<div class=\"gdlr-item gdlr-testimonial-item carousel large plain-style\">\r\n<div class=\"gdlr-ux gdlr-testimonial-ux\">\r\n<div class=\"flexslider\" data-type=\"carousel\" data-nav-container=\"gdlr-testimonial-item\" data-columns=\"1\">\r\n<ul class=\"slides\">\r\n 	<li class=\"testimonial-item\">\r\n<div class=\"testimonial-content gdlr-skin-content\">\r\n\r\nI’ve had the opportunity to work with Steve over the past year with respect to his income properties. Steve takes pride in his work and pays great attention to detail. He is a very hands-on person making him very proactive in all aspects of real estate and has always been able to offer insight, expertise, experience, suggestions to improve our property values and way of community life for the better.\r\n\r\n</div>\r\n<div class=\"testimonial-info\"><span class=\"testimonial-author gdlr-skin-link-color\">Cheryl</span><span class=\"testimonial-position gdlr-skin-info\">, Property Manager</span></div></li>\r\n 	<li class=\"testimonial-item\">\r\n<div class=\"testimonial-content gdlr-skin-content\">\r\n\r\nI have worked with Steve on and off for eight years. Steve’s ability to manage and work with a large and diverse group of people are second to none. He is never hesitant to go the extra mile on behalf of our clients. He remains up to date in terms of industry knowledge and trends.\r\n\r\nI highly recommend Steve for not only his technical and professional abilities, but also for his ability to navigate difficult situations with tact and a sense of humour.\r\n\r\n<!-- #post -->\r\n\r\n</div></li>\r\n</ul>\r\n</div>\r\n</div>\r\n<div class=\"clear\"></div>\r\n</div>\r\n</div>\r\n</div>\r\n<div class=\"clear\"></div>\r\n</div>\r\n</div>\r\n<div class=\"clear\"></div>\r\n</section><section id=\"content-section-7\">\r\n<div class=\"gdlr-color-wrapper gdlr-show-all no-skin\" style=\"background-color: #ffffff; padding-top: 60px; padding-bottom: 25px;\">\r\n<div class=\"container\">\r\n<div class=\"gdlr-banner-item-wrapper\">\r\n<div class=\"gdlr-banner-images gdlr-item\">\r\n<div class=\"flexslider\" data-pausetime=\"7000\" data-slidespeed=\"600\" data-effect=\"fade\" data-columns=\"5\" data-type=\"carousel\" data-nav-container=\"gdlr-banner-images\">\r\n<ul class=\"slides\">\r\n 	<li><img src=\"https://www.stevewhitemortgages.ca/wp-content/uploads/2015/07/FSCO.jpg\" alt=\"\" width=\"200\" height=\"100\" /></li>\r\n 	<li><img src=\"https://www.stevewhitemortgages.ca/wp-content/uploads/2015/07/caamp.jpg\" alt=\"\" width=\"200\" height=\"100\" /></li>\r\n 	<li><img src=\"https://www.stevewhitemortgages.ca/wp-content/uploads/2015/07/MPC.jpg\" alt=\"\" width=\"200\" height=\"100\" /></li>\r\n 	<li><img src=\"https://www.stevewhitemortgages.ca/wp-content/uploads/2015/07/cmba.jpg\" alt=\"\" width=\"200\" height=\"100\" /></li>\r\n 	<li><img src=\"https://www.stevewhitemortgages.ca/wp-content/uploads/2015/07/cmhc.jpg\" alt=\"\" width=\"200\" height=\"100\" /></li>\r\n</ul>\r\n</div>\r\n</div>\r\n</div>\r\n<div class=\"clear\"></div>\r\n</div>\r\n</div>\r\n</section>','KijijiLanding','','inherit','closed','closed','','5398-revision-v1','','','2017-07-03 14:20:32','2017-07-03 14:20:32','',5398,'https://www.stevewhitemortgages.ca/2017/07/5398-revision-v1/',0,'revision','',0),(5411,1,'2017-07-03 14:30:21','2017-07-03 14:30:21','<div class=\"clear\"></div>\r\n<div class=\"clear\"></div>\r\n<div class=\"clear\"></div>\r\n<div class=\"clear\"></div>\r\n<section id=\"content-section-5\">\r\n<div class=\"gdlr-color-wrapper gdlr-show-all no-skin\" style=\"background-color: #f9f9f9;\">\r\n<div class=\"container\">\r\n<div class=\"gdlr-item gdlr-content-item\">\r\n<h1 class=\"quick-approval\" style=\"text-align: center;\"><span style=\"color: #d15706;\">Let\'s Get Started:</span></h1>\r\n<div class=\"clear\"></div>\r\n<div class=\"gdlr-space\" style=\"margin-top: 22px;\"></div>\r\n<div id=\"wpcf7-f5355-o1\" class=\"wpcf7\" dir=\"ltr\" lang=\"en-US\" role=\"form\">\r\n<div class=\"screen-reader-response\"></div>\r\n<form class=\"wpcf7-form\" action=\"/#wpcf7-f5355-o1\" method=\"post\" novalidate=\"novalidate\">\r\n<div style=\"display: none;\"><input name=\"_wpcf7\" type=\"hidden\" value=\"5355\" />\r\n<input name=\"_wpcf7_version\" type=\"hidden\" value=\"4.8\" />\r\n<input name=\"_wpcf7_locale\" type=\"hidden\" value=\"en_US\" />\r\n<input name=\"_wpcf7_unit_tag\" type=\"hidden\" value=\"wpcf7-f5355-o1\" />\r\n<input name=\"_wpcf7_container_post\" type=\"hidden\" value=\"0\" />\r\n<input name=\"_wpcf7_nonce\" type=\"hidden\" value=\"232ce4fa41\" /></div>\r\n<div class=\"gdlr-shortcode-wrapper gdlr-row-shortcode\">\r\n<div class=\"six columns\">\r\n<div class=\"gdlr-item\"><label> Your Name (required)\r\n<span class=\"wpcf7-form-control-wrap name-approval\"><input class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" name=\"name-approval\" size=\"40\" type=\"text\" value=\"\" aria-required=\"true\" aria-invalid=\"false\" /></span> </label>\r\n<label> Your Email (required)\r\n<span class=\"wpcf7-form-control-wrap email-approval\"><input class=\"wpcf7-form-control wpcf7-text wpcf7-email wpcf7-validates-as-required wpcf7-validates-as-email\" name=\"email-approval\" size=\"40\" type=\"email\" value=\"\" aria-required=\"true\" aria-invalid=\"false\" /></span> </label>\r\n<label> Your Phone Number (required)\r\n<span class=\"wpcf7-form-control-wrap phone-approval\"><input class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" name=\"phone-approval\" size=\"40\" type=\"text\" value=\"\" aria-required=\"true\" aria-invalid=\"false\" /></span> </label></div>\r\n</div>\r\n<div class=\"six columns\">\r\n<div class=\"gdlr-item\"><label class=\"hide-label\"> Your Name (required)</label>\r\n<span class=\"wpcf7-form-control-wrap menu-346\"><select class=\"wpcf7-form-control wpcf7-select wpcf7-validates-as-required\" name=\"menu-346\" aria-required=\"true\" aria-invalid=\"false\">\r\n<option value=\"I\'m interested In:\">I\'m interested In:</option>\r\n<option value=\"- Purchasing a home\">- Purchasing a home</option>\r\n<option value=\"- Refinancing my home\">- Refinancing my home</option>\r\n<option value=\"- Renewing my mortgage\">- Renewing my mortgage</option>\r\n<option value=\"- Purchasing an investment property\">- Purchasing an investment property</option>\r\n<option value=\"- Consolidate debt\">- Consolidate debt</option>\r\n</select></span>\r\n<label class=\"hide-label\"> Your Email (required)</label>\r\n<span class=\"wpcf7-form-control-wrap menu-452\"><select class=\"wpcf7-form-control wpcf7-select wpcf7-validates-as-required\" name=\"menu-452\" aria-required=\"true\" aria-invalid=\"false\">\r\n<option value=\"Employment:\">Employment:</option>\r\n<option value=\"- Full time permanent\">- Full time permanent</option>\r\n<option value=\"- Part time/contract\">- Part time/contract</option>\r\n<option value=\"- Self employed\">- Self employed</option>\r\n<option value=\"- Retired\">- Retired</option>\r\n</select></span>\r\n<label class=\"hide-label\"> Your Phone Number (required)</label>\r\n<span class=\"wpcf7-form-control-wrap menu-127\"><select class=\"wpcf7-form-control wpcf7-select\" name=\"menu-127\" aria-invalid=\"false\">\r\n<option value=\"Credit Score:\">Credit Score:</option>\r\n<option value=\"- Excellent (700+)\">- Excellent (700+)</option>\r\n<option value=\"- Good (640+)\">- Good (640+)</option>\r\n<option value=\"- Bruised (580+)\">- Bruised (580+)</option>\r\n<option value=\"- Other (Not sure)\">- Other (Not sure)</option>\r\n</select></span></div>\r\n</div>\r\n<div id=\"wpcf7-from\" class=\"twelve columns\"><input class=\"wpcf7-form-control wpcf7-submit\" type=\"submit\" value=\"Send\" /></div>\r\n<div class=\"clear\"></div>\r\n</div>\r\n<div class=\"wpcf7-response-output wpcf7-display-none\"></div>\r\n</form></div>\r\n</div>\r\n<div class=\"clear\"></div>\r\n<div class=\"clear\"></div>\r\n</div>\r\n</div>\r\n<div class=\"clear\"></div>\r\n</section><section id=\"content-section-6\">\r\n<div class=\"gdlr-color-wrapper gdlr-show-all no-skin\" style=\"background-color: #f5f5f5; padding-top: 65px; padding-bottom: 45px;\">\r\n<div class=\"container\">\r\n<div class=\"eight columns\">\r\n<div class=\"gdlr-item gdlr-content-item\" style=\"margin-bottom: 5px;\"></div>\r\n<div class=\"gdlr-testimonial-item-wrapper\">\r\n<div class=\"gdlr-item-title-wrapper gdlr-item gdlr-center gdlr-large \">\r\n<div class=\"gdlr-item-title-head\">\r\n<h3 class=\"gdlr-item-title gdlr-skin-title gdlr-skin-border\">What Clients Say</h3>\r\n</div>\r\n</div>\r\n<div class=\"gdlr-item-title-nav gdlr-nav-container gdlr-center gdlr-large\"><i class=\"icon-angle-left gdlr-flex-prev\"></i><span class=\"gdlr-testimonial-carousel-icon\">“</span><i class=\"icon-angle-right gdlr-flex-next\"></i></div>\r\n<div class=\"gdlr-item gdlr-testimonial-item carousel large plain-style\">\r\n<div class=\"gdlr-ux gdlr-testimonial-ux\">\r\n<div class=\"flexslider\" data-type=\"carousel\" data-nav-container=\"gdlr-testimonial-item\" data-columns=\"1\">\r\n<ul class=\"slides\">\r\n 	<li class=\"testimonial-item\">\r\n<div class=\"testimonial-content gdlr-skin-content\">\r\n\r\nI’ve had the opportunity to work with Steve over the past year with respect to his income properties. Steve takes pride in his work and pays great attention to detail. He is a very hands-on person making him very proactive in all aspects of real estate and has always been able to offer insight, expertise, experience, suggestions to improve our property values and way of community life for the better.\r\n\r\n</div>\r\n<div class=\"testimonial-info\"><span class=\"testimonial-author gdlr-skin-link-color\">Cheryl</span><span class=\"testimonial-position gdlr-skin-info\">, Property Manager</span></div></li>\r\n 	<li class=\"testimonial-item\">\r\n<div class=\"testimonial-content gdlr-skin-content\">\r\n\r\nI have worked with Steve on and off for eight years. Steve’s ability to manage and work with a large and diverse group of people are second to none. He is never hesitant to go the extra mile on behalf of our clients. He remains up to date in terms of industry knowledge and trends.\r\n\r\nI highly recommend Steve for not only his technical and professional abilities, but also for his ability to navigate difficult situations with tact and a sense of humour.\r\n\r\n<!-- #post -->\r\n\r\n</div></li>\r\n</ul>\r\n</div>\r\n</div>\r\n<div class=\"clear\"></div>\r\n</div>\r\n</div>\r\n</div>\r\n<div class=\"clear\"></div>\r\n</div>\r\n</div>\r\n<div class=\"clear\"></div>\r\n</section><section id=\"content-section-7\">\r\n<div class=\"gdlr-color-wrapper gdlr-show-all no-skin\" style=\"background-color: #ffffff; padding-top: 60px; padding-bottom: 25px;\">\r\n<div class=\"container\">\r\n<div class=\"gdlr-banner-item-wrapper\">\r\n<div class=\"gdlr-banner-images gdlr-item\">\r\n<div class=\"flexslider\" data-pausetime=\"7000\" data-slidespeed=\"600\" data-effect=\"fade\" data-columns=\"5\" data-type=\"carousel\" data-nav-container=\"gdlr-banner-images\">\r\n<ul class=\"slides\">\r\n 	<li><img src=\"https://www.stevewhitemortgages.ca/wp-content/uploads/2015/07/FSCO.jpg\" alt=\"\" width=\"200\" height=\"100\" /></li>\r\n 	<li><img src=\"https://www.stevewhitemortgages.ca/wp-content/uploads/2015/07/caamp.jpg\" alt=\"\" width=\"200\" height=\"100\" /></li>\r\n 	<li><img src=\"https://www.stevewhitemortgages.ca/wp-content/uploads/2015/07/MPC.jpg\" alt=\"\" width=\"200\" height=\"100\" /></li>\r\n 	<li><img src=\"https://www.stevewhitemortgages.ca/wp-content/uploads/2015/07/cmba.jpg\" alt=\"\" width=\"200\" height=\"100\" /></li>\r\n 	<li><img src=\"https://www.stevewhitemortgages.ca/wp-content/uploads/2015/07/cmhc.jpg\" alt=\"\" width=\"200\" height=\"100\" /></li>\r\n</ul>\r\n</div>\r\n</div>\r\n</div>\r\n<div class=\"clear\"></div>\r\n</div>\r\n</div>\r\n</section>','KijijiLanding','','inherit','closed','closed','','5398-revision-v1','','','2017-07-03 14:30:21','2017-07-03 14:30:21','',5398,'https://www.stevewhitemortgages.ca/2017/07/5398-revision-v1/',0,'revision','',0),(5428,0,'2017-07-06 00:46:48','2017-07-06 00:46:48','','hi-mortgage.jpg','','inherit','closed','closed','','hi-mortgage-jpg','','','2017-07-06 00:46:48','2017-07-06 00:46:48','',0,'https://www.stevewhitemortgages.ca/?attachment_id=5428',0,'attachment','image/jpeg',0),(5430,0,'2017-07-06 00:46:51','2017-07-06 00:46:51','','mobile-home-2.jpg','','inherit','closed','closed','','mobile-home-2-jpg','','','2017-07-06 00:46:51','2017-07-06 00:46:51','',0,'https://www.stevewhitemortgages.ca/?attachment_id=5430',0,'attachment','image/jpeg',0),(5431,2,'2017-07-06 00:48:23','2017-07-06 00:48:23','<div>\r\n<div><img src=\"https://cdn.canadianmortgagetrends.com/wp-content/uploads/2017/06/money2-759x500.jpg\" alt=\"Bank of Canada\" width=\"759\" height=\"500\" /></div>\r\n<div>\r\n<h1>Is the Bank of Canada signalling that more mortgage rule changes are coming?</h1>\r\n<div><a title=\"View all posts in Mortgage Broker News\" href=\"https://www.canadianmortgagetrends.com/category/mortgage-broker-news/\">Mortgage Broker News</a><a href=\"https://www.canadianmortgagetrends.com/2017/06/is-the-bank-of-canada-signalling-that-more-mortgage-rule-changes-are-coming/\">5 min read</a></div>\r\n</div>\r\n</div>\r\n<section>Recently, the Bank of Canada released its semi-annual <a href=\"http://www.bankofcanada.ca/wp-content/uploads/2017/06/fsr-june2017.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Financial Systems Review</a> (PDF document), which identifies some of the major risks that the Bank foresees on the economic horizon.\r\n\r\nUnsurprisingly, the Bank pinpoints increased levels of Canadian household debt and rapidly increasing prices in Toronto and Vancouver as vulnerabilities to the financial system. The good news is that, despite these vulnerabilities increasing over the past six months, the Bank of Canada is confident that the financial system remains resilient, and that overall, national economic conditions continue to improve. This positive outlook, combined with strong economic growth, are playing a role in the not-so-subtle hint that the Bank may increase interest rates <a href=\"http://business.financialpost.com/news/economy/canadian-dollar-leaps-after-odds-of-a-rate-hike-in-canada-this-year-rise-above-50\" target=\"_blank\" rel=\"noopener noreferrer\">sooner rather than later.</a>\r\n\r\nSo what does this policy review indicate for future federal interventions in the mortgage market? The short answer is a lot.\r\n\r\nIt is no coincidence that the aforementioned vulnerabilities mirror the rationale used by the federal government for the mortgage insurance and eligibility changes in October. The Bank of Canada, the Department of Finance and CMHC are all aligned and focused on curbing elevated levels of household debt and ensuring the stability of the housing sector. This report could be viewed as representative of the problems and policies that the finance department is considering.\r\n\r\nIt is no surprise then that the Bank of Canada is pleased with the impact that the October changes have had on the debt-to-income ratios of insured mortgages (chart 3). But, the changes have also had an impact on increasing the market share of new mortgages that are uninsured. Clearly, this was an intended impact of the federal government’s changes and now the Bank of Canada is identifying the uninsured space as the next place to consider in terms of whether action is needed.\r\n\r\n<img src=\"https://cdn.canadianmortgagetrends.com/wp-content/uploads/2017/06/image1.png\" alt=\"The quality of high-ratio mortgage lending has improved across major markets\" width=\"1039\" height=\"465\" />\r\n\r\nThe Bank’s concerns will likely find a supportive audience at the Ministry of Finance and at CMHC. The data showing the increasing debt-to-income ratios for the uninsured sector (table 1) could trigger an investigation into additional regulation in the uninsured space by the Ministry of Finance or OSFI.\r\n\r\n<img src=\"https://cdn.canadianmortgagetrends.com/wp-content/uploads/2017/06/image2.png\" alt=\"Low-ratio mortgage originations have increasing loan-to-income ratios and longer amortization periods\" width=\"633\" height=\"353\" />\r\n\r\nThe first measure that is likely being considered is related to Home Equity Lines of Credit (HELOCs). This is clear for two reasons. First, because the Bank of Canada believes that the greater use of HELOCs could also be contributing to increasing household indebtedness. According to the Bank, HELOCs have increased at rates above income growth since early 2016, and have accounted for approximately 10 per cent of total outstanding household credit in recent quarters. Second, the Financial Consumer Agency of Canada recently <a href=\"https://www.canada.ca/en/financial-consumer-agency/news/2017/06/fcac_report_homeequitylinesofcreditmayputconsumersatrisk.html\" target=\"_blank\" rel=\"noopener noreferrer\">released a report</a> raising concerns that HELOCs may be putting some Canadians at risk of over borrowing. The timing of this report and the Financial Systems Review may not be coincidental.\r\n\r\nIt seems OSFI may be considering making changes to its <a href=\"http://www.osfi-bsif.gc.ca/Eng/fi-if/rg-ro/gdn-ort/gl-ld/Pages/b20.aspx\" target=\"_blank\" rel=\"noopener noreferrer\">B-20 underwriting guidelines</a>; the Bank of Canada’s report suggests that OSFI will begin a public consultation shortly.\r\n\r\nThe critical policy question that the Department of Finance could be considering is whether to extend the stress test for insured mortgages to uninsured mortgages as well. This could create a more even playing field for lenders who originate a greater percentage of insured mortgages and could possibly have an impact in cooling the markets of Toronto and Vancouver. However, it could also negatively impact the rest of the Canadian housing market, which is not suffering from the same vulnerabilities of Toronto and Vancouver and could become unnecessary if the Bank of Canada raises interest rates.\r\n\r\nFinally, there was a small policy section in the review that few may have paid much attention to but is important and provides some very helpful insights into the future of Canada’s private mortgage securitization market. The Bank of Canada recognizes that the recent changes have negatively impacted mortgage lenders that rely on portfolio insurance and that the increased growth in uninsured mortgages have created an opportunity for private residential mortgage-backed securities. The Bank of Canada goes even further and suggests that “properly structured private securitization would benefit the financial system by helping lenders fund loans.” (page 13).\r\n\r\nIt is surprising that this issue hasn’t received more attention because the Bank of Canada is tacitly endorsing a significant policy shift away from CMHC-backed mortgage securities to a private sector mortgage securitization <a href=\"http://business.financialpost.com/news/fp-street/rbc-exploring-sale-of-bonds-backed-by-uninsured-residential-mortgages\" target=\"_blank\" rel=\"noopener noreferrer\">market</a>. This confirms that the creation of this market is an intended impact from the federal government’s changes to portfolio insurance and aligns with CMHC President Evan Siddall’s <a href=\"http://www.ourcommons.ca/DocumentViewer/en/42-1/FINA/meeting-71/evidence\" target=\"_blank\" rel=\"noopener noreferrer\">testimony</a> to the finance committee on the changes to portfolio insurance.\r\n\r\nUntil the Bank of Canada is convinced that the housing sector no longer poses the greatest liability to the Canadian economy, Canadians will continue to see the federal government scrutinize mortgage activity in Canada with an eye to reduce the increasing levels of household debt in the country..\r\n\r\nLet’s hope the government shifts their focus to unsecured household debt instead of further secured debt restrictions. However, if the Bank of Canada’s review is representative of the Ministry of Finance’s considerations, watch out for changes to HELOCs, through B-20 changes, the stress test being applied to uninsured mortgages and continued growth in the developing private sector mortgage securitization market.\r\n\r\n&nbsp;\r\n<div></div>\r\n&nbsp;\r\n\r\n</section>\r\n<p class=\"curated_content\"><a class=\"cs_link\" href=\"https://www.canadianmortgagetrends.com/2017/06/is-the-bank-of-canada-signalling-that-more-mortgage-rule-changes-are-coming/\" target=\"_blank\" rel=\"nofollow noopener\">https://www.canadianmortgagetrends.com/2017/06/is-the-bank-of-canada-signalling-that-more-mortgage-rule-changes-are-coming/</a></p>\r\n<p class=\"curated_content\">On - 20 Jun, 2017 By Samuel Duncan</p>','Is the Bank of Canada signalling that more mortgage rule changes are coming? - Mortgage Rates &amp; Mortgage Broker News in Canada','','publish','closed','open','','bank-canada-signalling-mortgage-rule-changes-coming-mortgage-rates-mortgage-broker-news-canada','','','2017-07-06 00:48:23','2017-07-06 00:48:23','',0,'https://www.stevewhitemortgages.ca/?p=5431',0,'post','',0),(5432,0,'2017-07-06 00:46:54','2017-07-06 00:46:54','','money2.jpg','','inherit','closed','closed','','money2-jpg','','','2017-07-06 00:46:54','2017-07-06 00:46:54','',5431,'https://www.stevewhitemortgages.ca/?attachment_id=5432',0,'attachment','image/jpeg',0),(5433,1,'2017-07-06 00:48:23','2017-07-06 00:48:23','<div>\r\n<div><img src=\"https://cdn.canadianmortgagetrends.com/wp-content/uploads/2017/06/money2-759x500.jpg\" alt=\"Bank of Canada\" width=\"759\" height=\"500\" /></div>\r\n<div>\r\n<h1>Is the Bank of Canada signalling that more mortgage rule changes are coming?</h1>\r\n<div><a title=\"View all posts in Mortgage Broker News\" href=\"https://www.canadianmortgagetrends.com/category/mortgage-broker-news/\">Mortgage Broker News</a><a href=\"https://www.canadianmortgagetrends.com/2017/06/is-the-bank-of-canada-signalling-that-more-mortgage-rule-changes-are-coming/\">5 min read</a></div>\r\n</div>\r\n</div>\r\n<section>Recently, the Bank of Canada released its semi-annual <a href=\"http://www.bankofcanada.ca/wp-content/uploads/2017/06/fsr-june2017.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Financial Systems Review</a> (PDF document), which identifies some of the major risks that the Bank foresees on the economic horizon.\r\n\r\nUnsurprisingly, the Bank pinpoints increased levels of Canadian household debt and rapidly increasing prices in Toronto and Vancouver as vulnerabilities to the financial system. The good news is that, despite these vulnerabilities increasing over the past six months, the Bank of Canada is confident that the financial system remains resilient, and that overall, national economic conditions continue to improve. This positive outlook, combined with strong economic growth, are playing a role in the not-so-subtle hint that the Bank may increase interest rates <a href=\"http://business.financialpost.com/news/economy/canadian-dollar-leaps-after-odds-of-a-rate-hike-in-canada-this-year-rise-above-50\" target=\"_blank\" rel=\"noopener noreferrer\">sooner rather than later.</a>\r\n\r\nSo what does this policy review indicate for future federal interventions in the mortgage market? The short answer is a lot.\r\n\r\nIt is no coincidence that the aforementioned vulnerabilities mirror the rationale used by the federal government for the mortgage insurance and eligibility changes in October. The Bank of Canada, the Department of Finance and CMHC are all aligned and focused on curbing elevated levels of household debt and ensuring the stability of the housing sector. This report could be viewed as representative of the problems and policies that the finance department is considering.\r\n\r\nIt is no surprise then that the Bank of Canada is pleased with the impact that the October changes have had on the debt-to-income ratios of insured mortgages (chart 3). But, the changes have also had an impact on increasing the market share of new mortgages that are uninsured. Clearly, this was an intended impact of the federal government’s changes and now the Bank of Canada is identifying the uninsured space as the next place to consider in terms of whether action is needed.\r\n\r\n<img src=\"https://cdn.canadianmortgagetrends.com/wp-content/uploads/2017/06/image1.png\" alt=\"The quality of high-ratio mortgage lending has improved across major markets\" width=\"1039\" height=\"465\" />\r\n\r\nThe Bank’s concerns will likely find a supportive audience at the Ministry of Finance and at CMHC. The data showing the increasing debt-to-income ratios for the uninsured sector (table 1) could trigger an investigation into additional regulation in the uninsured space by the Ministry of Finance or OSFI.\r\n\r\n<img src=\"https://cdn.canadianmortgagetrends.com/wp-content/uploads/2017/06/image2.png\" alt=\"Low-ratio mortgage originations have increasing loan-to-income ratios and longer amortization periods\" width=\"633\" height=\"353\" />\r\n\r\nThe first measure that is likely being considered is related to Home Equity Lines of Credit (HELOCs). This is clear for two reasons. First, because the Bank of Canada believes that the greater use of HELOCs could also be contributing to increasing household indebtedness. According to the Bank, HELOCs have increased at rates above income growth since early 2016, and have accounted for approximately 10 per cent of total outstanding household credit in recent quarters. Second, the Financial Consumer Agency of Canada recently <a href=\"https://www.canada.ca/en/financial-consumer-agency/news/2017/06/fcac_report_homeequitylinesofcreditmayputconsumersatrisk.html\" target=\"_blank\" rel=\"noopener noreferrer\">released a report</a> raising concerns that HELOCs may be putting some Canadians at risk of over borrowing. The timing of this report and the Financial Systems Review may not be coincidental.\r\n\r\nIt seems OSFI may be considering making changes to its <a href=\"http://www.osfi-bsif.gc.ca/Eng/fi-if/rg-ro/gdn-ort/gl-ld/Pages/b20.aspx\" target=\"_blank\" rel=\"noopener noreferrer\">B-20 underwriting guidelines</a>; the Bank of Canada’s report suggests that OSFI will begin a public consultation shortly.\r\n\r\nThe critical policy question that the Department of Finance could be considering is whether to extend the stress test for insured mortgages to uninsured mortgages as well. This could create a more even playing field for lenders who originate a greater percentage of insured mortgages and could possibly have an impact in cooling the markets of Toronto and Vancouver. However, it could also negatively impact the rest of the Canadian housing market, which is not suffering from the same vulnerabilities of Toronto and Vancouver and could become unnecessary if the Bank of Canada raises interest rates.\r\n\r\nFinally, there was a small policy section in the review that few may have paid much attention to but is important and provides some very helpful insights into the future of Canada’s private mortgage securitization market. The Bank of Canada recognizes that the recent changes have negatively impacted mortgage lenders that rely on portfolio insurance and that the increased growth in uninsured mortgages have created an opportunity for private residential mortgage-backed securities. The Bank of Canada goes even further and suggests that “properly structured private securitization would benefit the financial system by helping lenders fund loans.” (page 13).\r\n\r\nIt is surprising that this issue hasn’t received more attention because the Bank of Canada is tacitly endorsing a significant policy shift away from CMHC-backed mortgage securities to a private sector mortgage securitization <a href=\"http://business.financialpost.com/news/fp-street/rbc-exploring-sale-of-bonds-backed-by-uninsured-residential-mortgages\" target=\"_blank\" rel=\"noopener noreferrer\">market</a>. This confirms that the creation of this market is an intended impact from the federal government’s changes to portfolio insurance and aligns with CMHC President Evan Siddall’s <a href=\"http://www.ourcommons.ca/DocumentViewer/en/42-1/FINA/meeting-71/evidence\" target=\"_blank\" rel=\"noopener noreferrer\">testimony</a> to the finance committee on the changes to portfolio insurance.\r\n\r\nUntil the Bank of Canada is convinced that the housing sector no longer poses the greatest liability to the Canadian economy, Canadians will continue to see the federal government scrutinize mortgage activity in Canada with an eye to reduce the increasing levels of household debt in the country..\r\n\r\nLet’s hope the government shifts their focus to unsecured household debt instead of further secured debt restrictions. However, if the Bank of Canada’s review is representative of the Ministry of Finance’s considerations, watch out for changes to HELOCs, through B-20 changes, the stress test being applied to uninsured mortgages and continued growth in the developing private sector mortgage securitization market.\r\n\r\n&nbsp;\r\n<div></div>\r\n&nbsp;\r\n\r\n</section>\r\n<p class=\"curated_content\"><a class=\"cs_link\" href=\"https://www.canadianmortgagetrends.com/2017/06/is-the-bank-of-canada-signalling-that-more-mortgage-rule-changes-are-coming/\" target=\"_blank\" rel=\"nofollow noopener\">https://www.canadianmortgagetrends.com/2017/06/is-the-bank-of-canada-signalling-that-more-mortgage-rule-changes-are-coming/</a></p>\r\n<p class=\"curated_content\">On - 20 Jun, 2017 By Samuel Duncan</p>','Is the Bank of Canada signalling that more mortgage rule changes are coming? - Mortgage Rates &amp; Mortgage Broker News in Canada','','inherit','closed','closed','','5431-revision-v1','','','2017-07-06 00:48:23','2017-07-06 00:48:23','',5431,'https://www.stevewhitemortgages.ca/2017/07/5431-revision-v1/',0,'revision','',0),(5436,1,'2017-07-06 21:38:34','2017-07-06 21:38:34','<div class=\"gdlr-shortcode-wrapper gdlr-row-shortcode\">\r\n\r\n<div class=\"six columns\">\r\n<div class=\"gdlr-item\">\r\n<label> Your Name (required)\r\n[text* name-approval] </label>\r\n<label> Your Email (required)\r\n[email* email-approval] </label>\r\n<label> Your Phone Number (required)\r\n[text* phone-approval] </label>\r\n</div>\r\n</div>\r\n\r\n<div class=\"six columns\">\r\n<div class=\"gdlr-item\">\r\n<label class=\"hide-label\"> Your Name (required)</label>\r\n[select* menu-346 \"I\'m interested In:\" \"- Purchasing a home\" \"- Refinancing my home\" \"- Renewing my mortgage\" \"- Purchasing an investment property\" \"- Consolidate debt\"]\r\n<label class=\"hide-label\"> Your Email (required)</label>\r\n<label class=\"hide-label\"> Your Phone Number (required)</label>\r\n[select menu-127 \"Credit Score:\" \"- Excellent (700+)\" \"- Good (640+)\" \"- Bruised (580+)\" \"- Other (Not sure)\"]\r\n[textarea textarea-421 \"Best time to call:\"]\r\n</div>\r\n</div>\r\n\r\n\r\n<div class=\"twelve columns\" id=\"wpcf7-from\">[submit \"Send\"]</div>\r\n\r\n<div class=\"clear\"></div>\r\n\r\n</div>\n1\nKijiji Inquiry - Reno\n[name-approval] <approval@stevewhitemortgages.ca>\nswhite@mortgagealliance.com\nFrom: [name-approval] <[email-approval]>\r\nSubject: [Online Inquiry - Quick Approval]\r\n\r\nMessage Body:\r\nPhone Number: [phone-approval]\r\nI\'m interested In: [menu-346]\r\nEmployment: [menu-452]\r\nCredit Score: [menu-127]\r\n\r\n--\r\nThis e-mail was sent from your website\nReply-To: [email-approval]\n\n\n\n\n[your-subject]\nFinanza <wordpress@demo.goodlayers.com>\n[your-email]\nMessage Body:\r\n[your-message]\r\n\r\n--\r\nThis e-mail was sent from a contact form on Finanza (http://demo.goodlayers.com/finanza)\nReply-To: ss@ss.dd\n\n\n\nYour information was sent sussessfully, I\'ll be in touch very soon. - Steve\nFailed to send your message. Please try again or contact me directly - 905.903.4799\nValidation errors occurred. Please confirm the fields and submit it again.\nFailed to send your message. Please try later or contact the administrator by another method.\nPlease accept the terms to proceed.\nPlease fill in the required field.\nThis input is too long.\nThis input is too short.\nDate format seems invalid.\nThis date is too early.\nThis date is too late.\nFailed to upload file.\nThis file type is not allowed.\nThis file is too large.\nFailed to upload file. Error occurred.\nNumber format seems invalid.\nThis number is too small.\nThis number is too large.\nYour answer is not correct.\nYour entered code is incorrect.\nEmail address seems invalid.\nURL seems invalid.\nTelephone number seems invalid.','Reno Financing','','publish','closed','closed','','quick-approval_copy','','','2017-07-06 21:41:27','2017-07-06 21:41:27','',0,'https://www.stevewhitemortgages.ca/?post_type=wpcf7_contact_form&#038;p=5436',0,'wpcf7_contact_form','',0),(5438,1,'2017-07-30 16:55:08','2017-07-30 16:55:08','The Bank of Canada finally increased its benchmark rate to 0.75 percent (up 0.25 %) after seven years of leaving the key interest steady and even reducing it a couple of times.\r\n\r\nAll five major Canadian banks followed by increasing their own prime lending rates by the same 25 basis points (0.25%). While this doesn’t sound like great news, the fact is that the Canadian economy is doing better than expected in 2017, employment is strong, mortgage defaults are at record lows and interest rates are still close to historical lows.\r\n<h2>What this means for you.</h2>\r\nIf you currently have a variable rate mortgage, home equity line of credit, or a combination of both, you will see an increase in the interest you pay and depending on the type of variable rate mortgage you may also see an increase in your payment. <strong>This generally means $18 more each month for every $100,000 of mortgage balance</strong>. <strong>If you have a fixed rate mortgage you won’t see any change for the remainder of your term</strong> but you might face higher interest rates at the time of renewal.\r\n\r\nInterest rates are just one component of your mortgage. Other factors such as amortization (number of years to pay off your mortgage), payment frequency, and prepayment options all have a significant impact on the amount of interest you actually pay.\r\n\r\nHome ownership is an important long-term decision that can greatly enhance your overall financial well-being and having access to the right mortgage solution is just as important. With current speculation that the Bank of Canada might increase the rate one more time this year, it makes sense to get a pre-approved mortgage in hand before shopping for your first or next home.\r\n\r\nI’m here to answer all your mortgage questions, call or <a href=\"https://www.stevewhitemortgages.ca/about-us/\">email me</a> today - 905.903.4799, SWhite@MortgageAlliance.com .','What that rising mortgage interest rate really means to you.','','publish','closed','open','','rising-mortgage-interest-rates-really-mean','','','2017-08-03 14:43:17','2017-08-03 14:43:17','',0,'https://www.stevewhitemortgages.ca/?p=5438',0,'post','',0),(5442,1,'2017-07-30 18:40:38','2017-07-30 18:40:38','The Bank of Canada finally increased its benchmark rate to 0.75 percent (up 0.25 %) after seven years of leaving the key interest steady and even reducing it a couple of times.\r\n\r\nAll five major Canadian banks followed by increasing their own prime lending rates by the same 25 basis points (0.25%). While this doesn’t sound like great news, the fact is that the Canadian economy is doing better than expected in 2017, employment is strong, mortgage defaults are at record lows and interest rates are still close to historical lows.\r\n<h2>What this means for you.</h2>\r\nIf you currently have a variable rate mortgage, home equity line of credit, or a combination of both, you will see an increase in the interest you pay and depending on the type of variable rate mortgage you may also see an increase in your payment. <strong>This generally means $18 more each month for every $100,000 of mortgage balance</strong>. <strong>If you have a fixed rate mortgage you won’t see any change for the remainder of your term</strong> but you might face higher interest rates at the time of renewal.\r\n\r\nInterest rates are just one component of your mortgage. Other factors such as amortization (number of years to pay off your mortgage), payment frequency, and prepayment options all have a significant impact on the amount of interest you actually pay.\r\n\r\nHome ownership is an important long-term decision that can greatly enhance your overall financial well-being and having access to the right mortgage solution is just as important. With current speculation that the Bank of Canada might increase the rate one more time this year, it makes sense to get a pre-approved mortgage in hand before shopping for your first or next home.\r\n\r\nI’m here to answer all your mortgage questions, call or <a href=\"https://www.stevewhitemortgages.ca/about-us/\">email me</a> today - 905.903.4799, SWhite@MortgageAlliance.com .','What that rising mortgage interest rate really means to you.','','inherit','closed','closed','','5438-revision-v1','','','2017-07-30 18:40:38','2017-07-30 18:40:38','',5438,'https://www.stevewhitemortgages.ca/2017/07/5438-revision-v1/',0,'revision','',0),(5439,1,'2017-07-30 16:55:08','2017-07-30 16:55:08','The Bank of Canada finally increased its bench mark rate to 0.75 percent (up 0.25 %) after seven years of leaving the key interest steady and even reducing it a couple of times. Typically, any increase or decrease in the Bank of Canada rate has a direct impact on the banks’ prime rates which they use to set interest rates for variable-rate mortgages and other loans. All five major Canadian banks did increase their prime lending rates by the same 25 basis points (0.25%). While this doesn’t sound like great news, the fact is that the Canadian economy is doing better than expected in 2017, employment is strong, mortgage defaults are at record lows and interest rates, both variable and fixed, are still close to historical lows.\r\n\r\nWhat this means for you.\r\n\r\nIf you currently have a variable rate mortgage, home equity line of credit, or a combination of both, you will see an increase in the interest you pay and depending on the type of variable rate mortgage you may also see an increase in your payment - <strong>typically $18 more each month for every $100,000 of mortgage balance</strong>. <strong>If you have a fixed rate mortgage you won’t see any change for the remainder of your term</strong> but you might face higher interest rates at the time of renewal.\r\n\r\nInterest rates are just one component of your mortgage. Other factors such as amortization (number of years to pay off your mortgage), payment frequency, and prepayment options all have a significant impact on the amount of interest you actually pay.\r\n\r\nHomeownership is an important long-term decision that can greatly enhance your overall financial well-being and having access to the right mortgage solution is just as important. With current speculation that the Bank of Canada might increase the benchmark rate one more time this year and with even more mortgage rule changes, it makes sense to get a pre-approved mortgage in hand before shopping for your first or next home.\r\n\r\nI’m here to answer all your mortgage questions, call or email me today - 905.903.4799, SWhite@MortgageAlliance.com .\r\n\r\n','What the rising mortgage interest rates really mean to you.','','inherit','closed','closed','','5438-revision-v1','','','2017-07-30 16:55:08','2017-07-30 16:55:08','',5438,'https://www.stevewhitemortgages.ca/2017/07/5438-revision-v1/',0,'revision','',0),(5440,1,'2017-07-30 17:06:32','2017-07-30 17:06:32','Durham Region mortgage broker lowest mortgage rates, interest rates rising','Upscale houses on suburban street','durham region lowest mortgage rates','inherit','closed','closed','','upscale-houses-on-suburban-street','','','2017-07-30 17:07:40','2017-07-30 17:07:40','',5438,'https://www.stevewhitemortgages.ca/wp-content/uploads/2017/07/risingrates.jpg',0,'attachment','image/jpeg',0),(5441,1,'2017-07-30 18:39:05','2017-07-30 18:39:05','The Bank of Canada finally increased its benchmark rate to 0.75 percent (up 0.25 %) after seven years of leaving the key interest steady and even reducing it a couple of times.\n\nAll five major Canadian banks followed by increasing their own prime lending rates by the same 25 basis points (0.25%). While this doesn’t sound like great news, the fact is that the Canadian economy is doing better than expected in 2017, employment is strong, mortgage defaults are at record lows and interest rates, both variable and fixed, are still close to historical lows.\n<h2>What this means for you.</h2>\nIf you currently have a variable rate mortgage, home equity line of credit, or a combination of both, you will see an increase in the interest you pay and depending on the type of variable rate mortgage you may also see an increase in your payment. <strong>This generally means $18 more each month for every $100,000 of mortgage balance</strong>. <strong>If you have a fixed rate mortgage you won’t see any change for the remainder of your term</strong> but you might face higher interest rates at the time of renewal.\n\nInterest rates are just one component of your mortgage. Other factors such as amortization (number of years to pay off your mortgage), payment frequency, and prepayment options all have a significant impact on the amount of interest you actually pay.\n\nHome ownership is an important long-term decision that can greatly enhance your overall financial well-being and having access to the right mortgage solution is just as important. With current speculation that the Bank of Canada might increase the rate one more time this year and with even more mortgage rule changes, it makes sense to get a pre-approved mortgage in hand before shopping for your first or next home.\n\nI’m here to answer all your mortgage questions, call or <a href=\"https://www.stevewhitemortgages.ca/about-us/\">email me</a> today - 905.903.4799, SWhite@MortgageAlliance.com .','What that rising mortgage interest rate really means to you.','','inherit','closed','closed','','5438-autosave-v1','','','2017-07-30 18:39:05','2017-07-30 18:39:05','',5438,'https://www.stevewhitemortgages.ca/2017/07/5438-autosave-v1/',0,'revision','',0),(5444,1,'2017-08-04 00:17:14','2017-08-04 00:17:14','I’ve spoken with numerous investors and landlords have have listened into many conversations about Bill 144 and it’s been awhile since I’ve seen normally calm and collected investors shake - both from fear and anger.\r\n\r\nFor those who haven’t heard, on June 1st, NDP MPP Peter Tabuns introduced the Real Rent Control Act - Bill 144, which aims to amend the Residential Tenancies Act (RTA); an act that many feel is already unfairly biased towards tenants.\r\n\r\nWhile there are several points in the proposed act that have investors and landlords upset, the one point that I believe will have the biggest impact and cause the most harm is the - <strong>Lawful Rent for New Tenants</strong>.\r\n\r\nThe proposed change will force landlords to make the rent fall in line with the following:\r\n<ul>\r\n 	<li>any amount that is equal to or less than the last lawful rent charged or that ought to have been charged to the previous tenant if the rental unit was previously rented in the last 12 months;</li>\r\n 	<li>with respect to a rental unit that has not been rented in the last 12 months, an amount that is equal to or less than the sum of,</li>\r\n 	<li>the last lawful rent charged or that ought to have been charged to the previous tenant,</li>\r\n 	<li>all increases to the rent that the landlord would have been permitted to make under this Act if the rental unit had been occupied, and</li>\r\n 	<li>all decreases to the rent that the landlord would have been required to make under this Act if the rental unit had been occupied; or,</li>\r\n 	<li>the rent first charged to the tenant if the rental unit was not previously rented.</li>\r\n</ul>\r\nBy default this essentially caps rent increases to a small percentage increase each year, dictated by the provincial government. Landlords who face increases in condo fees, hydro, mortgage payments, repairs/maintenance etc will need to apply to the board for special permission to increase above the set annual rate.\r\n\r\nThere’s all sorts of speculation about what this means for smaller investors and landlords who are already struggling to keep up with the increases to their fees. Many believe we will see a sell-off and devaluation of investment properties in Ontario should Bill 144 pass.\r\n\r\nRegardless of the size of the impact, many parts of Ontario are already struggling with a lack of suitable rental units and any decrease in the number of landlords offering units will negatively impact renters, the group that the government says they’re trying to help.\r\n\r\nIf you’d like to reach out to your MPP and voice your thoughts on Bill 144, you can <a href=\"http://www.ontla.on.ca/web/members/members_current.do?locale=en\">find your local MPP here</a>\r\n\r\nIf you’d like to read more about the proposed changes you can find the full <a href=\"http://www.ontla.on.ca/web/bills/bills_detail.do?locale=en&amp;Intranet=&amp;BillID=4959\">Bill 144 here</a>\r\n\r\nTo learn more or with any questions you can <a href=\"https://www.stevewhitemortgages.ca/contact-page\">contact me</a>','Why Bill 144 Has Landlords And Investors Shaking','','publish','closed','open','','bill-144-landlords-investors-shaking','','','2017-08-04 00:17:14','2017-08-04 00:17:14','',0,'https://www.stevewhitemortgages.ca/?p=5444',0,'post','',0),(5445,1,'2017-08-04 00:07:17','2017-08-04 00:07:17','I’ve spoken with numerous investors and landlords have have listened into many conversations and it’s been awhile since I’ve seen normally calm and collected investors shake - both from fear and anger.\r\n\r\nFor those who haven’t heard, on June 1st, NDP MPP Peter Tabuns introduced the Real Rent Control Act - Bill 144, which aims to amend the Residential Tenancies Act (RTA); an act that many feel is already unfairly biased towards tenants.\r\n\r\nWhile there are several points in the proposed act that have investors and landlords upset, the one point that I believe will have the biggest impact and cause the most harm is the - <strong>Lawful Rent for New Tenants</strong>.\r\n\r\nThe proposed change will force landlords to make the rent fall in line with the following:\r\n<ul>\r\n 	<li>any amount that is equal to or less than the last lawful rent charged or that ought to have been charged to the previous tenant if the rental unit was previously rented in the last 12 months;</li>\r\n 	<li>with respect to a rental unit that has not been rented in the last 12 months, an amount that is equal to or less than the sum of,</li>\r\n 	<li>the last lawful rent charged or that ought to have been charged to the previous tenant,</li>\r\n 	<li>all increases to the rent that the landlord would have been permitted to make under this Act if the rental unit had been occupied, and</li>\r\n 	<li>all decreases to the rent that the landlord would have been required to make under this Act if the rental unit had been occupied; or,</li>\r\n 	<li>the rent first charged to the tenant if the rental unit was not previously rented.</li>\r\n</ul>\r\nBy default this essentially caps rent increases to a small percentage increase each year, dictated by the provincial government. Landlords who face increases in condo fees, hydro, mortgage payments, repairs/maintenance etc will need to apply to the board for special permission to increase above the set annual rate.\r\n\r\nThere’s all sorts of speculation about what this means for smaller investors and landlords who are already struggling to keep up with the increases to their fees. Many believe we will see a sell-off and devaluation of investment properties in Ontario should Bill 144 pass.\r\n\r\nRegardless of the size of the impact, many parts of Ontario are already struggling with a lack of suitable rental units and any decrease in the number of landlords offering units will negatively impact renters, the group that the government says they’re trying to help.\r\n\r\nIf you’d like to reach out to your MPP and voice your thoughts on Bill 144, you can <a href=\"http://www.ontla.on.ca/web/members/members_current.do?locale=en\">find your local MPP here</a>\r\n\r\nIf you’d like to read more about the proposed changes you can find the full <a href=\"http://www.ontla.on.ca/web/bills/bills_detail.do?locale=en&amp;Intranet=&amp;BillID=4959\">Bill 144 here</a>','Why Bill 144 has Landlords Shaking','','inherit','closed','closed','','5444-revision-v1','','','2017-08-04 00:07:17','2017-08-04 00:07:17','',5444,'https://www.stevewhitemortgages.ca/2017/08/5444-revision-v1/',0,'revision','',0),(5446,1,'2017-08-04 00:14:24','2017-08-04 00:14:24','rent control Bill 144 landlords investors','Ontario Legislature','Inside Ontario Legislature before MPPs vote on Bill 144','inherit','closed','closed','','ontledge','','','2017-08-04 00:15:19','2017-08-04 00:15:19','',5444,'https://www.stevewhitemortgages.ca/wp-content/uploads/2017/08/ontledge.jpg',0,'attachment','image/jpeg',0),(5447,1,'2017-08-04 00:17:14','2017-08-04 00:17:14','I’ve spoken with numerous investors and landlords have have listened into many conversations about Bill 144 and it’s been awhile since I’ve seen normally calm and collected investors shake - both from fear and anger.\r\n\r\nFor those who haven’t heard, on June 1st, NDP MPP Peter Tabuns introduced the Real Rent Control Act - Bill 144, which aims to amend the Residential Tenancies Act (RTA); an act that many feel is already unfairly biased towards tenants.\r\n\r\nWhile there are several points in the proposed act that have investors and landlords upset, the one point that I believe will have the biggest impact and cause the most harm is the - <strong>Lawful Rent for New Tenants</strong>.\r\n\r\nThe proposed change will force landlords to make the rent fall in line with the following:\r\n<ul>\r\n 	<li>any amount that is equal to or less than the last lawful rent charged or that ought to have been charged to the previous tenant if the rental unit was previously rented in the last 12 months;</li>\r\n 	<li>with respect to a rental unit that has not been rented in the last 12 months, an amount that is equal to or less than the sum of,</li>\r\n 	<li>the last lawful rent charged or that ought to have been charged to the previous tenant,</li>\r\n 	<li>all increases to the rent that the landlord would have been permitted to make under this Act if the rental unit had been occupied, and</li>\r\n 	<li>all decreases to the rent that the landlord would have been required to make under this Act if the rental unit had been occupied; or,</li>\r\n 	<li>the rent first charged to the tenant if the rental unit was not previously rented.</li>\r\n</ul>\r\nBy default this essentially caps rent increases to a small percentage increase each year, dictated by the provincial government. Landlords who face increases in condo fees, hydro, mortgage payments, repairs/maintenance etc will need to apply to the board for special permission to increase above the set annual rate.\r\n\r\nThere’s all sorts of speculation about what this means for smaller investors and landlords who are already struggling to keep up with the increases to their fees. Many believe we will see a sell-off and devaluation of investment properties in Ontario should Bill 144 pass.\r\n\r\nRegardless of the size of the impact, many parts of Ontario are already struggling with a lack of suitable rental units and any decrease in the number of landlords offering units will negatively impact renters, the group that the government says they’re trying to help.\r\n\r\nIf you’d like to reach out to your MPP and voice your thoughts on Bill 144, you can <a href=\"http://www.ontla.on.ca/web/members/members_current.do?locale=en\">find your local MPP here</a>\r\n\r\nIf you’d like to read more about the proposed changes you can find the full <a href=\"http://www.ontla.on.ca/web/bills/bills_detail.do?locale=en&amp;Intranet=&amp;BillID=4959\">Bill 144 here</a>\r\n\r\nTo learn more or with any questions you can <a href=\"https://www.stevewhitemortgages.ca/contact-page\">contact me</a>','Why Bill 144 Has Landlords And Investors Shaking','','inherit','closed','closed','','5444-revision-v1','','','2017-08-04 00:17:14','2017-08-04 00:17:14','',5444,'https://www.stevewhitemortgages.ca/2017/08/5444-revision-v1/',0,'revision','',0),(5448,1,'2017-08-04 00:17:22','2017-08-04 00:17:22','I’ve spoken with numerous investors and landlords have have listened into many conversations about Bill 144 and it’s been awhile since I’ve seen normally calm and collected investors shake - both from fear and anger.\r\n\r\nFor those who haven’t heard, on June 1st, NDP MPP Peter Tabuns introduced the Real Rent Control Act - Bill 144, which aims to amend the Residential Tenancies Act (RTA); an act that many feel is already unfairly biased towards tenants.\r\n\r\nWhile there are several points in the proposed act that have investors and landlords upset, the one point that I believe will have the biggest impact and cause the most harm is the - <strong>Lawful Rent for New Tenants</strong>.\r\n\r\nThe proposed change will force landlords to make the rent fall in line with the following:\r\n<ul>\r\n 	<li>any amount that is equal to or less than the last lawful rent charged or that ought to have been charged to the previous tenant if the rental unit was previously rented in the last 12 months;</li>\r\n 	<li>with respect to a rental unit that has not been rented in the last 12 months, an amount that is equal to or less than the sum of,</li>\r\n 	<li>the last lawful rent charged or that ought to have been charged to the previous tenant,</li>\r\n 	<li>all increases to the rent that the landlord would have been permitted to make under this Act if the rental unit had been occupied, and</li>\r\n 	<li>all decreases to the rent that the landlord would have been required to make under this Act if the rental unit had been occupied; or,</li>\r\n 	<li>the rent first charged to the tenant if the rental unit was not previously rented.</li>\r\n</ul>\r\nBy default this essentially caps rent increases to a small percentage increase each year, dictated by the provincial government. Landlords who face increases in condo fees, hydro, mortgage payments, repairs/maintenance etc will need to apply to the board for special permission to increase above the set annual rate.\r\n\r\nThere’s all sorts of speculation about what this means for smaller investors and landlords who are already struggling to keep up with the increases to their fees. Many believe we will see a sell-off and devaluation of investment properties in Ontario should Bill 144 pass.\r\n\r\nRegardless of the size of the impact, many parts of Ontario are already struggling with a lack of suitable rental units and any decrease in the number of landlords offering units will negatively impact renters, the group that the government says they’re trying to help.\r\n\r\nIf you’d like to reach out to your MPP and voice your thoughts on Bill 144, you can <a href=\"http://www.ontla.on.ca/web/members/members_current.do?locale=en\">find your local MPP here</a>\r\n\r\nIf you’d like to read more about the proposed changes you can find the full <a href=\"http://www.ontla.on.ca/web/bills/bills_detail.do?locale=en&amp;Intranet=&amp;BillID=4959\">Bill 144 here</a>\r\n\r\nTo learn more or with any questions you can <a href=\"https://www.stevewhitemortgages.ca/contact-page\">contact me</a>','Why Bill 144 Has Landlords And Investors Shaking','','inherit','closed','closed','','5444-autosave-v1','','','2017-08-04 00:17:22','2017-08-04 00:17:22','',5444,'https://www.stevewhitemortgages.ca/2017/08/5444-autosave-v1/',0,'revision','',0),(5450,1,'2017-08-13 15:29:47','2017-08-13 15:29:47','','Brick_Certificate','','inherit','closed','closed','','brick_certificate','','','2017-08-13 15:29:47','2017-08-13 15:29:47','',0,'https://www.stevewhitemortgages.ca/wp-content/uploads/2017/08/Brick_Certificate.pdf',0,'attachment','application/pdf',0),(5451,1,'2017-08-13 16:57:19','2017-08-13 16:57:19','<p class=\"p1\"><span class=\"s1\">Mortgage insurance regulation changes announced last October are having a huge impact on Genworth Canada - one of two private mortgage insurers who compete with the government’s own CMHC (Canada Mortgage and Housing Corporation).</span></p>\r\n<p class=\"p1\"><span class=\"s1\"><a href=\"http://genworth.ca/en/about-us/mortgage-default-insurance.aspx\">Genworth MI Canada Inc.</a> reported the total value of new insurance it provided in the second quarter of 2017 was down 81 per cent to $6.1-billion - down significantly from $31.7-billion in the same period last year.</span></p>\r\n<p class=\"p1\"><span class=\"s1\">The decline included a 14-per-cent drop in the volume of mortgage insurance bought by homeowners, but was most felt by a 96-per-cent drop in portfolio insurance, which is bulk insurance bought by financial institutions for their portfolios of uninsured mortgages (mortgages from home buyers with more than 20% down payment or refinancing with over 80% loan to value).</span></p>\r\n<p class=\"p1\"><span class=\"s1\">The mortgage and real estate industries overall have been hit hard by new Federal mortgage rules introduced in October 2016 to cool the rapid growth in some housing markets. Among the changes, the federal government announced it would no longer back mortgages that met certain criteria such as: investment properties, mortgages over $1 million, amortization periods over 25 years and applicants with a credit score below 600.</span></p>\r\n<p class=\"p1\"><span class=\"s1\">This means that a lender offering one of those mortgages with less than 80% LTV (Loan to Value) could not get it backed by the government - home purchases with 81-95% LTV were fine because the buyer was paying for the insurance through CMHC, Genworth or Canada Guaranty. Many lenders were buying this insurance and bundling up the mortgages and selling them as a government backed investment. Now lenders looking to offer mortgages over 25 years, rental purchases and over $1 million now need to hold the mortgage on their balance sheet, which significantly limits the amount they can lend out.</span></p>\r\n<p class=\"p1\"><span class=\"s1\">“There has been much change over the past 12 to 18 months and the impact continues to unfold,” Chief executive officer Stuart Levings recently said.</span></p>\r\n<p class=\"p1\"><span class=\"s1\">For more information on how the mortgage and real estate industries are adapting and how I can help you as an educated mortgage advisor <a href=\"https://www.stevewhitemortgages.ca/contact-page/\">contact me</a> at 905.903.4799 or SWhite@MortgageAlliance.com</span></p>','Genworth\'s New Mortgage Insurance Down 81% in Q2','','publish','closed','open','','genworths-mortgage-insurance','','','2017-08-13 16:58:10','2017-08-13 16:58:10','',0,'https://www.stevewhitemortgages.ca/?p=5451',0,'post','',0),(5452,1,'2017-08-13 16:52:11','2017-08-13 16:52:11','Durham Region Ajax Pickering Oshawa Whitby Bowmanville mortgage broker','Genworth Financial Mortgage Insurance','Genworth Mortgage Insurance Canada','inherit','closed','closed','','genworth','','','2017-08-13 16:53:47','2017-08-13 16:53:47','',5451,'https://www.stevewhitemortgages.ca/wp-content/uploads/2017/08/Genworth.jpg',0,'attachment','image/jpeg',0),(5453,1,'2017-08-13 16:57:19','2017-08-13 16:57:19','<p class=\"p1\"><span class=\"s1\">Mortgage insurance regulation changes announced last October are having a huge impact on Genworth Canada - one of two private mortgage insurers who compete with the government’s own CMHC (Canada Mortgage and Housing Corporation).</span></p>\r\n<p class=\"p1\"><span class=\"s1\"><a href=\"http://genworth.ca/en/about-us/mortgage-default-insurance.aspx\">Genworth MI Canada Inc.</a> reported the total value of new insurance it provided in the second quarter of 2017 was down 81 per cent to $6.1-billion - down significantly from $31.7-billion in the same period last year.</span></p>\r\n<p class=\"p1\"><span class=\"s1\">The decline included a 14-per-cent drop in the volume of mortgage insurance bought by homeowners, but was most felt by a 96-per-cent drop in portfolio insurance, which is bulk insurance bought by financial institutions for their portfolios of uninsured mortgages (mortgages from home buyers with more than 20% down payment or refinancing with over 80% loan to value).</span></p>\r\n<p class=\"p1\"><span class=\"s1\">The mortgage and real estate industries overall have been hit hard by new Federal mortgage rules introduced in October 2016 to cool the rapid growth in some housing markets. Among the changes, the federal government announced it would no longer back mortgages that met certain criteria such as: investment properties, mortgages over $1 million, amortization periods over 25 years and applicants with a credit score below 600.</span></p>\r\n<p class=\"p1\"><span class=\"s1\">This means that a lender offering one of those mortgages with less than 80% LTV (Loan to Value) could not get it backed by the government - home purchases with 81-95% LTV were fine because the buyer was paying for the insurance through CMHC, Genworth or Canada Guaranty. Many lenders were buying this insurance and bundling up the mortgages and selling them as a government backed investment. Now lenders looking to offer mortgages over 25 years, rental purchases and over $1 million now need to hold the mortgage on their balance sheet, which significantly limits the amount they can lend out.</span></p>\r\n<p class=\"p1\"><span class=\"s1\">“There has been much change over the past 12 to 18 months and the impact continues to unfold,” Chief executive officer Stuart Levings recently said.</span></p>\r\n<p class=\"p1\"><span class=\"s1\">For more information on how the mortgage and real estate industries are adapting and how I can help you as an educated mortgage advisor <a href=\"https://www.stevewhitemortgages.ca/contact-page/\">contact me</a> at 905.903.4799 or SWhite@MortgageAlliance.com</span></p>','Genworth\'s New Mortgage Insurance Down 81% in Q2','','inherit','closed','closed','','5451-revision-v1','','','2017-08-13 16:57:19','2017-08-13 16:57:19','',5451,'https://www.stevewhitemortgages.ca/2017/08/5451-revision-v1/',0,'revision','',0),(5454,1,'2017-08-18 01:25:10','2017-08-18 01:25:10','<p class=\"p1\">I regularly have landlords and real estate investors call or <a href=\"http://mortgagealliance.com/stevewhite\">email me</a> for advice on lowering their mortgage payments to either increase their monthly cashflow or cover increasing costs managing the property. In business and investing, sometimes it’s about increasing profits, not just cutting costs.</p>\r\n<p class=\"p1\">A fantastic investment strategy that many sophisticated investors have been using for years is to <strong>investing equity</strong>. The idea is pretty simple - borrow funds at a lower interest rate and shift them into an investment that generates higher returns than what you’re paying.</p>\r\n<p class=\"p1\">It sounds simple enough, but the challenge becomes accessing the funds at a low enough rate and finding a solid investment that will generate predictable returns. Many of my clients turn to investing equity back into mortgages to find the good returns on something that they understand and trust.</p>\r\n<p class=\"p1\">It does sound rather odd, take out a mortgage to invest in a mortgage, however there are many types of mortgages and many possible rates. For an investor with good credit, excellent payment history and decent assets they find they can access funds as low as 2-3% and are able to lend out at 9-12% interest.</p>\r\n<p class=\"p1\">Here’s how that could look:</p>\r\n<p class=\"p1\">A landlord owns a duplex worth $400,000 and has a mortgage of $80,000. They cashflow $350 each month from the tenants. The investor borrows $200,000 against the duplex at 2.65% interest ($441.67 monthly payments). The landlord invests in second mortgages paying 9.5% interest earning $1,583.33 monthly. That’s a net income of $1,141.66 on top of the $350 rental cashflow.</p>\r\n<p class=\"p1\">Who pays 12% interest on a mortgage? Well, many investors need to access funds to complete projects and there are hundreds of thousands of homeowners paying over 20% interest on credit cards who would be happy cutting their interest payments in half.</p>\r\n<p class=\"p1\">Most often these investment and debt consolidation loans are short term, as low as a couple months to a year or two, to line up with the renewal date on their existing mortgage. The higher interest is lower than they’re paying and lower than the cost to break their current mortgage. Once their current mortgage is up for renewal they refinance and the investor gets their principal investment. The investor can re-lend the money or pay it back on their own loan, depending on their strategy at the time.</p>\r\n<p class=\"p1\">That’s the good news - it’s possible to significantly increase your monthly cashflow on each property you own - including your personal residence. The bad news is it isn’t always easy.</p>\r\n<p class=\"p1\">Depending on the number of properties you have an the type of income you have, accessing the equity in a rental property can be a bit of a challenge. Also, you need to find the people who are looking to borrow at 9-12%. That’s why working with an experienced mortgage broker who works with investors is vital to both ensure you’re accessing funds as low as possible and you’re investing your equity in properly screened and safe mortgages.</p>\r\n<p class=\"p1\">Want to know more about investing equity or discuss how to get started? <a href=\"https://www.stevewhitemortgages.ca/contact-page\">Contact me</a> at 905.903.4799 or email at SWhite@MortgagesAlliance.com</p>','Investing Equity - Another Revenue Stream From Your Properties','','publish','closed','open','','investing-equity-another-revenue-stream-properties','','','2017-08-18 01:25:31','2017-08-18 01:25:31','',0,'https://www.stevewhitemortgages.ca/?p=5454',0,'post','',0),(5455,1,'2017-08-18 01:18:47','2017-08-18 01:18:47','investing in second mortgages using equity','Investing Equity Rental Property','Invest equity income property second mortgages','inherit','closed','closed','','investingequity','','','2017-08-18 01:21:34','2017-08-18 01:21:34','',5454,'https://www.stevewhitemortgages.ca/wp-content/uploads/2017/08/InvestingEquity.jpg',0,'attachment','image/jpeg',0),(5456,1,'2017-08-18 01:25:10','2017-08-18 01:25:10','<p class=\"p1\">I regularly have landlords and real estate investors call or <a href=\"http://mortgagealliance.com/stevewhite\">email me</a> for advice on lowering their mortgage payments to either increase their monthly cashflow or cover increasing costs managing the property. In business and investing, sometimes it’s about increasing profits, not just cutting costs.</p>\r\n<p class=\"p1\">A fantastic investment strategy that many sophisticated investors have been using for years is to <strong>investing equity</strong>. The idea is pretty simple - borrow funds at a lower interest rate and shift them into an investment that generates higher returns than what you’re paying.</p>\r\n<p class=\"p1\">It sounds simple enough, but the challenge becomes accessing the funds at a low enough rate and finding a solid investment that will generate predictable returns. Many of my clients turn to investing equity back into mortgages to find the good returns on something that they understand and trust.</p>\r\n<p class=\"p1\">It does sound rather odd, take out a mortgage to invest in a mortgage, however there are many types of mortgages and many possible rates. For an investor with good credit, excellent payment history and decent assets they find they can access funds as low as 2-3% and are able to lend out at 9-12% interest.</p>\r\n<p class=\"p1\">Here’s how that could look:</p>\r\n<p class=\"p1\">A landlord owns a duplex worth $400,000 and has a mortgage of $80,000. They cashflow $350 each month from the tenants. The investor borrows $200,000 against the duplex at 2.65% interest ($441.67 monthly payments). The landlord invests in second mortgages paying 9.5% interest earning $1,583.33 monthly. That’s a net income of $1,141.66 on top of the $350 rental cashflow.</p>\r\n<p class=\"p1\">Who pays 12% interest on a mortgage? Well, many investors need to access funds to complete projects and there are hundreds of thousands of homeowners paying over 20% interest on credit cards who would be happy cutting their interest payments in half.</p>\r\n<p class=\"p1\">Most often these investment and debt consolidation loans are short term, as low as a couple months to a year or two, to line up with the renewal date on their existing mortgage. The higher interest is lower than they’re paying and lower than the cost to break their current mortgage. Once their current mortgage is up for renewal they refinance and the investor gets their principal investment. The investor can re-lend the money or pay it back on their own loan, depending on their strategy at the time.</p>\r\n<p class=\"p1\">That’s the good news - it’s possible to significantly increase your monthly cashflow on each property you own - including your personal residence. The bad news is it isn’t always easy.</p>\r\n<p class=\"p1\">Depending on the number of properties you have an the type of income you have, accessing the equity in a rental property can be a bit of a challenge. Also, you need to find the people who are looking to borrow at 9-12%. That’s why working with an experienced mortgage broker who works with investors is vital to both ensure you’re accessing funds as low as possible and you’re investing your equity in properly screened and safe mortgages.</p>\r\n<p class=\"p1\">Want to know more about investing equity or discuss how to get started? <a href=\"https://www.stevewhitemortgages.ca/contact-page\">Contact me</a> at 905.903.4799 or email at SWhite@MortgagesAlliance.com</p>','Investing Equity - Another Revenue Stream From Your Properties','','inherit','closed','closed','','5454-revision-v1','','','2017-08-18 01:25:10','2017-08-18 01:25:10','',5454,'https://www.stevewhitemortgages.ca/2017/08/5454-revision-v1/',0,'revision','',0),(5457,1,'2017-08-20 14:35:58','2017-08-20 14:35:58','<p class=\"p1\">Over the next couple months I’m going to show you some creative ways to have your home either make your or save you money. Today I’ll show you Equity Investing, a smart technique I’ve been using personally. It shaves thousands off my mortgage each year and takes no work once it’s set up.</p>\r\n<p class=\"p1\">Equity Investing is the process of shifting the equity in your home into an investment that pays you a monthly income. It’s a strategy that the wealthy have been using for generations to provide more income or even pay down their mortgage faster.</p>\r\n<p class=\"p1\">Imagine having your equity make extra monthly mortgage payments for you!</p>\r\n<p class=\"p1\">Here’s an example of how <strong>income equity</strong> works:</p>\r\n<p class=\"p1\">Sarah owns a home worth $550,000 and has a mortgage for $150,000. She decides to shift $200,000 of her equity into a mortgage backed investment earning 9% interest. Her cost to access the equity is 4.5% interest. Each month Sarah’s investment pays her $1,500 (minus $750 in interest payments on her equity loan). That’s a net income of $750 each month.</p>\r\n<p class=\"p1\">Since Sarah is smart and <a href=\"http://mortgagealliance.com/stevewhite\">worked with me</a> to get her mortgage, she’s able to make extra payments onto her mortgage without penalty; so she directs all $500/month onto her mortgage and saves the $250 to pay income taxes on the $750.</p>\r\n<p class=\"p1\">Over the next 10 years Sarah is able to effortlessly put additional $60,000 towards her mortgage - in addition to her regular mortgage payments! This will make her mortgage free faster and she can then spend the steady investment income at the same time enjoy not having a mortgage payment.</p>\r\nThere is generally a 1-year minimum investment term required, but after that you are able to have the equity investment run as long as you like. When you no longer want or need it you withdraw the investment and put the equity back into your home without fees or penalties.\r\n<p class=\"p1\">Want to learn more about getting this set up or how to find save investments paying 9% interest? <a href=\"https://www.stevewhitemortgages.ca/contact-page/\">Contact me</a> - <a href=\"mailto:SWhite@MortgageAlliance.com\">SWhite@MortgageAlliance.com</a> or call/text - 905.903.4799</p>','Equity Investing - 5 Great Ways to Have Your Home Make or Save You Money','','publish','closed','open','','5-ways-home-make-money-equity-investing','','','2017-08-20 14:35:58','2017-08-20 14:35:58','',0,'https://www.stevewhitemortgages.ca/?p=5457',0,'post','',0),(5458,1,'2017-08-20 14:32:19','2017-08-20 14:32:19','a couple enjoys paying off their mortgage faster using equity investing strategies from Steve White Mortgage broker','Equity Investing mortgage advice','durham region mortgage advisor teaches canadians about equity investing','inherit','closed','closed','','tip1','','','2017-08-20 14:33:31','2017-08-20 14:33:31','',5457,'https://www.stevewhitemortgages.ca/wp-content/uploads/2017/08/tip1.jpg',0,'attachment','image/jpeg',0),(5459,1,'2017-08-20 14:35:58','2017-08-20 14:35:58','<p class=\"p1\">Over the next couple months I’m going to show you some creative ways to have your home either make your or save you money. Today I’ll show you Equity Investing, a smart technique I’ve been using personally. It shaves thousands off my mortgage each year and takes no work once it’s set up.</p>\r\n<p class=\"p1\">Equity Investing is the process of shifting the equity in your home into an investment that pays you a monthly income. It’s a strategy that the wealthy have been using for generations to provide more income or even pay down their mortgage faster.</p>\r\n<p class=\"p1\">Imagine having your equity make extra monthly mortgage payments for you!</p>\r\n<p class=\"p1\">Here’s an example of how <strong>income equity</strong> works:</p>\r\n<p class=\"p1\">Sarah owns a home worth $550,000 and has a mortgage for $150,000. She decides to shift $200,000 of her equity into a mortgage backed investment earning 9% interest. Her cost to access the equity is 4.5% interest. Each month Sarah’s investment pays her $1,500 (minus $750 in interest payments on her equity loan). That’s a net income of $750 each month.</p>\r\n<p class=\"p1\">Since Sarah is smart and <a href=\"http://mortgagealliance.com/stevewhite\">worked with me</a> to get her mortgage, she’s able to make extra payments onto her mortgage without penalty; so she directs all $500/month onto her mortgage and saves the $250 to pay income taxes on the $750.</p>\r\n<p class=\"p1\">Over the next 10 years Sarah is able to effortlessly put additional $60,000 towards her mortgage - in addition to her regular mortgage payments! This will make her mortgage free faster and she can then spend the steady investment income at the same time enjoy not having a mortgage payment.</p>\r\nThere is generally a 1-year minimum investment term required, but after that you are able to have the equity investment run as long as you like. When you no longer want or need it you withdraw the investment and put the equity back into your home without fees or penalties.\r\n<p class=\"p1\">Want to learn more about getting this set up or how to find save investments paying 9% interest? <a href=\"https://www.stevewhitemortgages.ca/contact-page/\">Contact me</a> - <a href=\"mailto:SWhite@MortgageAlliance.com\">SWhite@MortgageAlliance.com</a> or call/text - 905.903.4799</p>','Equity Investing - 5 Great Ways to Have Your Home Make or Save You Money','','inherit','closed','closed','','5457-revision-v1','','','2017-08-20 14:35:58','2017-08-20 14:35:58','',5457,'https://www.stevewhitemortgages.ca/2017/08/5457-revision-v1/',0,'revision','',0),(5461,1,'2017-08-27 14:39:26','2017-08-27 14:39:26','<p class=\"p1\">With the GTA’s homes selling for almost 20 per cent lower than they were in the spring, many transactions that were set to close are at risk.</p>\r\n<p class=\"p1\">Mortgage lenders (traditional banks, monoline lenders and credit unions) have begun lowering their property valuations in an attempt to get ahead of a possible continued decline. Home buyers have been seeing lenders ask for a second appraisal just before the sale closes just to be sure the value is where it was when the mortgage approval was issued.</p>\r\n<p class=\"p1\">With some lenders lowering their valuations by as much as 15 per cent, that’s leaving many home owners short. For example, a buyer with an accepted offer to buy a home for $800,000, may get a new appraisal value of $700,000 - that’s the new amount the lender will lend on.</p>\r\n<p class=\"p1\">In this case the buyer needs to come up with the extra $100,000 to close.</p>\r\n<p class=\"p1\">For buyers who are working with a mortgage broker they have access to a professional who has been monitoring the sale process and is usually the first to know when there is a mortgage shortfall. A <a href=\"http://mortgagealliance.com/stevewhite\">good mortgage broker</a> will have access to secondary financing who might be able to step in and lend the difference as a second mortgage and close on time.</p>\r\n<p class=\"p1\">If the buyer is working with their own bank, they’ll need to begin looking for a mortgage broker or lender at the last minute and start the <a href=\"https://www.mortgageboss.ca/leadgeneration/add_lead.aspx?Agent_ID=11879\">mortgage application</a> process from the start, likely missing their closing date.</p>\r\n<p class=\"p1\">Not only will the buyer possibly miss their closing date, their own bank may not allow secondary financing, causing the buyers to then find a new lender for the 1st and 2nd mortgages.</p>\r\n<p class=\"p1\">The moral of the story? Well, working with a mortgage professional who has access to a wide range of lenders gives buyers and their Realtors a lot more options should a purchase have problems.</p>\r\n<p class=\"p1\">A good mortgage broker is about solutions as much as they are about great rates. <a href=\"https://www.stevewhitemortgages.ca/contact-page\">Contact Steve White</a> to find out how he can provide great solutions for your clients.</p>','Secondary Financing a Solution For Lower Values at Closing','','publish','closed','open','','secondary-financing-solution-lower-values-closing','','','2017-08-27 14:39:26','2017-08-27 14:39:26','',0,'https://www.stevewhitemortgages.ca/?p=5461',0,'post','',0),(5462,1,'2017-08-27 14:37:53','2017-08-27 14:37:53','Steve White Durham Region Ontario mortgage broker','secondaryfinancing','Home Owners getting secondary mortgage financing Toronto Durham Region','inherit','closed','closed','','secondaryfinancing','','','2017-08-27 14:39:13','2017-08-27 14:39:13','',5461,'https://www.stevewhitemortgages.ca/wp-content/uploads/2017/08/secondaryfinancing.jpg',0,'attachment','image/jpeg',0),(5463,1,'2017-08-27 14:39:26','2017-08-27 14:39:26','<p class=\"p1\">With the GTA’s homes selling for almost 20 per cent lower than they were in the spring, many transactions that were set to close are at risk.</p>\r\n<p class=\"p1\">Mortgage lenders (traditional banks, monoline lenders and credit unions) have begun lowering their property valuations in an attempt to get ahead of a possible continued decline. Home buyers have been seeing lenders ask for a second appraisal just before the sale closes just to be sure the value is where it was when the mortgage approval was issued.</p>\r\n<p class=\"p1\">With some lenders lowering their valuations by as much as 15 per cent, that’s leaving many home owners short. For example, a buyer with an accepted offer to buy a home for $800,000, may get a new appraisal value of $700,000 - that’s the new amount the lender will lend on.</p>\r\n<p class=\"p1\">In this case the buyer needs to come up with the extra $100,000 to close.</p>\r\n<p class=\"p1\">For buyers who are working with a mortgage broker they have access to a professional who has been monitoring the sale process and is usually the first to know when there is a mortgage shortfall. A <a href=\"http://mortgagealliance.com/stevewhite\">good mortgage broker</a> will have access to secondary financing who might be able to step in and lend the difference as a second mortgage and close on time.</p>\r\n<p class=\"p1\">If the buyer is working with their own bank, they’ll need to begin looking for a mortgage broker or lender at the last minute and start the <a href=\"https://www.mortgageboss.ca/leadgeneration/add_lead.aspx?Agent_ID=11879\">mortgage application</a> process from the start, likely missing their closing date.</p>\r\n<p class=\"p1\">Not only will the buyer possibly miss their closing date, their own bank may not allow secondary financing, causing the buyers to then find a new lender for the 1st and 2nd mortgages.</p>\r\n<p class=\"p1\">The moral of the story? Well, working with a mortgage professional who has access to a wide range of lenders gives buyers and their Realtors a lot more options should a purchase have problems.</p>\r\n<p class=\"p1\">A good mortgage broker is about solutions as much as they are about great rates. <a href=\"https://www.stevewhitemortgages.ca/contact-page\">Contact Steve White</a> to find out how he can provide great solutions for your clients.</p>','Secondary Financing a Solution For Lower Values at Closing','','inherit','closed','closed','','5461-revision-v1','','','2017-08-27 14:39:26','2017-08-27 14:39:26','',5461,'https://www.stevewhitemortgages.ca/2017/08/5461-revision-v1/',0,'revision','',0),(5467,1,'2017-09-03 14:05:39','2017-09-03 14:05:39','Would you like to book a time to speak about your mortgage needs? I offer no-cost, no-obligation consultations to help you make better decisions on your finances.\r\n\r\nIs it time to lock-in your rate? Should you refinance? Is the rate your bank is offering you a good one? Let me give you an honest opinion on your options and possible solutions.\r\n\r\nYou\'re not in this alone - I\'m YOUR family\'s mortgage advisor.','Calendar','','publish','closed','closed','','calendar','','','2017-09-03 17:19:21','2017-09-03 17:19:21','',0,'https://www.stevewhitemortgages.ca/?page_id=5467',0,'page','',0),(5468,1,'2017-09-03 14:05:39','2017-09-03 14:05:39','[booking startmonth=\'2017-9\']','Calendar','','inherit','closed','closed','','5467-revision-v1','','','2017-09-03 14:05:39','2017-09-03 14:05:39','',5467,'https://www.stevewhitemortgages.ca/2017/09/5467-revision-v1/',0,'revision','',0),(5469,1,'2017-09-03 14:06:18','2017-09-03 14:06:18','<p style=\"text-align: center;\">[booking startmonth=\'2017-9\']</p>','Calendar','','inherit','closed','closed','','5467-revision-v1','','','2017-09-03 14:06:18','2017-09-03 14:06:18','',5467,'https://www.stevewhitemortgages.ca/2017/09/5467-revision-v1/',0,'revision','',0),(5470,1,'2017-09-03 14:14:03','2017-09-03 14:14:03','<p style=\"text-align: center;\">[wpdevart_booking_calendar id=\"1\"]</p>','Calendar','','inherit','closed','closed','','5467-revision-v1','','','2017-09-03 14:14:03','2017-09-03 14:14:03','',5467,'https://www.stevewhitemortgages.ca/2017/09/5467-revision-v1/',0,'revision','',0),(5471,1,'2017-09-03 14:15:18','2017-09-03 14:15:18','<p style=\"text-align: left; padding-left: 120px;\">[wpdevart_booking_calendar id=\"1\"]</p>','Calendar','','inherit','closed','closed','','5467-revision-v1','','','2017-09-03 14:15:18','2017-09-03 14:15:18','',5467,'https://www.stevewhitemortgages.ca/2017/09/5467-revision-v1/',0,'revision','',0),(5472,1,'2017-09-03 14:24:50','2017-09-03 14:24:50','<p style=\"padding-left: 150px;\">[CPABC_APPOINTMENT_CALENDAR calendar=\"1\"]</p>','Calendar','','inherit','closed','closed','','5467-revision-v1','','','2017-09-03 14:24:50','2017-09-03 14:24:50','',5467,'https://www.stevewhitemortgages.ca/2017/09/5467-revision-v1/',0,'revision','',0),(5473,1,'2017-09-03 17:11:44','2017-09-03 17:11:44','Would you like to book a time to speak about your mortgage needs? I offer no-cost, no-obligation consultations to help you make better decisions on your finances.\r\n\r\nIs it time to lock-in your rate? Should you refinance? Is the rate your bank is offering you a good one? Let me give you an honest opinion on your options and possible solutions.\r\n\r\nYou\'re not in this alone - I\'m YOUR family\'s mortgage advisor.','Calendar','','inherit','closed','closed','','5467-autosave-v1','','','2017-09-03 17:11:44','2017-09-03 17:11:44','',5467,'https://www.stevewhitemortgages.ca/2017/09/5467-autosave-v1/',0,'revision','',0),(5474,1,'2017-09-03 16:09:21','2017-09-03 16:09:21','','Mortgage advisor consultation','Ajax Pickering Oshawa Whitby Bowmanville homeowner mortgage advice','inherit','closed','closed','','call','','','2017-09-03 16:10:20','2017-09-03 16:10:20','',5467,'https://www.stevewhitemortgages.ca/wp-content/uploads/2017/09/call.jpg',0,'attachment','image/jpeg',0),(5475,1,'2017-09-03 16:11:21','2017-09-03 16:11:21','Would you like to book a time to speak about your mortgage needs? I offer no-cost, no-obligation consultations to help you make better decisions on your finances.\r\n\r\nIs it time to lock-in your rate? Should you refinance? Is the rate your bank is offering you a good one? Let me give you an honest opinion on your options and possible solutions.\r\n\r\nYou\'re not in this alone - I\'m YOUR family\'s mortgage advisor.','Calendar','','inherit','closed','closed','','5467-revision-v1','','','2017-09-03 16:11:21','2017-09-03 16:11:21','',5467,'https://www.stevewhitemortgages.ca/2017/09/5467-revision-v1/',0,'revision','',0),(5476,1,'2017-09-03 16:11:52','2017-09-03 16:11:52','Would you like to book a time to speak about your mortgage needs? I offer no-cost, no-obligation consultations to help you make better decisions on your finances.\r\n\r\nIs it time to lock-in your rate? Should you refinance? Is the rate your bank is offering you a good one? Let me give you an honest opinion on your options and possible solutions.\r\n\r\nYou\'re not in this alone - I\'m YOUR family\'s mortgage advisor.','Calendar','','inherit','closed','closed','','5467-revision-v1','','','2017-09-03 16:11:52','2017-09-03 16:11:52','',5467,'https://www.stevewhitemortgages.ca/2017/09/5467-revision-v1/',0,'revision','',0),(5477,1,'2017-09-03 17:19:21','2017-09-03 17:19:21','Would you like to book a time to speak about your mortgage needs? I offer no-cost, no-obligation consultations to help you make better decisions on your finances.\r\n\r\nIs it time to lock-in your rate? Should you refinance? Is the rate your bank is offering you a good one? Let me give you an honest opinion on your options and possible solutions.\r\n\r\nYou\'re not in this alone - I\'m YOUR family\'s mortgage advisor.','Calendar','','inherit','closed','closed','','5467-revision-v1','','','2017-09-03 17:19:21','2017-09-03 17:19:21','',5467,'https://www.stevewhitemortgages.ca/2017/09/5467-revision-v1/',0,'revision','',0),(5479,1,'2017-09-16 14:47:10','2017-09-16 14:47:10','<p class=\"p3\">It’s pretty rare for me to throw around an exclamation point. However after three major mortgage rule changes, back-to-back interest rate hikes, a possible third rate hike and another major possible mortgage rule change all within a year, I don’t think I’m being too dramatic.</p>\r\n<p class=\"p3\">With a possible decision in the next month or so to add another stress test to mortgage qualifications, landlords may soon find they’ve both lost some significant equity at the same time find it very difficult to access much of what’s left.</p>\r\n<p class=\"p4\"><span class=\"s1\">The Office of the Superintendent of Financial Institutions (OSFI) recently released several proposals they were considering to further tighten the mortgage rules for federally regulated lenders - <a href=\"http://www.osfi-bsif.gc.ca/Eng/fi-if/rg-ro/gdn-ort/gl-ld/Pages/b20_dft.aspx\">read the proposal here</a>. </span></p>\r\n<p class=\"p4\"><span class=\"s1\">The one that I believe will have the most impact will be the stress test applied to conventional loans (those with more than 20% equity in their property). <b>OFSI is proposing lenders add 2% to the contract rate to qualify for the mortgage or line of credit</b>.</span></p>\r\n<p class=\"p4\"><span class=\"s1\">That will affect all refinances and equity take out mortgages for investors and mean that they’ll need to qualify at 6.25% interest even though their actual rate is 4.25%. Basically, investors would be to access far less equity than they currently can.</span></p>\r\n<p class=\"p4\"><span class=\"s1\">While that falls in line with what the federal government wants - homeowners keeping more equity in their homes, it would provide a significant challenge to investors who leverage their equity to purchase appreciating assets, i.e. more real estate.</span></p>\r\n<p class=\"p4\"><span class=\"s1\">The other outcome to the possible mortgage rule change is that non-investor buyers who are looking to purchase a home would have their buying power slashed. A couple earning $150,000 a year with no debts looking to purchase a home with an interest rate of 3.85% could afford a home that costs $748,184. With the new proposed rule of needing to qualify at a rate of 5.85% they would only qualify for $614,184 - almost $150,000 less.</span></p>\r\n<p class=\"p4\"><span class=\"s1\">That means lower offers and lower sale prices - <b>a decline in home values in many markets</b>. We’ve already seen the start of this with the recent rule changes even before a change to B-20.</span></p>\r\n<p class=\"p4\"><span class=\"s1\">Oh yeah, and I almost forgot to mention that we may also see another increase to interest rates next month after the two back-to-back raises of .25% each.</span></p>\r\n\r\n<h2 class=\"p6\"><span class=\"s1\">What does all this mean for the investor?</span></h2>\r\n<p class=\"p4\"><span class=\"s1\">Well, should the proposed changes to B-20 be confirmed, it will mean investors will be able to access less of the equity in their real estate portfolio at a time when the value is shrinking.</span></p>\r\n<p class=\"p4\"><span class=\"s1\"><b>It also means that we’re likely about to enter a new investment buying cycle</b>. Prices in many markets will either remain flat or will fall a bit and there will be fewer buyers able to afford them. Investors will once again be able to pick and choose properties without fear of aggressive bidding wars.</span></p>\r\n<p class=\"p4\"><span class=\"s1\">Those who accessed their equity before the possible change, either through refinancing or accessing lines of credit will have capital available to expand their portfolios.</span></p>\r\n<p class=\"p4\"><span class=\"s1\">With all this said, I want to ensure this article isn’t interpreted as a sky is falling scare tactic. I fully believe that Canadian real estate is still a fantastic investment and asset for ensuring a secure retirement. I don’t believe we’ll see any significant drop that we won’t soon recover from and I in no way am suggesting homeowners or investors sell off their properties. </span></p>\r\n<p class=\"p7\"><span class=\"s2\">I do believe we’re going to see even more challenges qualifying for a purchase and our portfolio values will flatten out for a little while because of this proposed mortgage rule change. So don’t panic, stay the course and if you can take advantage of this buyer cycle.</span></p>\r\n<p class=\"p9\">If you would like to discuss your portfolio and accessing your equity before any possible rule changes, or to learn about some of the other proposed mortgage rule change <a href=\"https://www.stevewhitemortgages.ca/contact-page\">contact me</a> by email - <a href=\"mailto:SWhite@MortgageAlliance.com\">SWhite@MortgageAlliance.com</a> or cell - 905.903.4799</p>\r\n<p class=\"p9\">——</p>\r\n<p class=\"p9\">Steve White is a mortgage agent with Mortgage Alliance and has been a real estate investor for nearly 10 years. His portfolio currently focuses on single family townhouses in medium sized Ontario cities, second mortgages and commercial high rise buildings held in a REIT. Steve specializes in working with new real estate investors and supports numerous local and international charities and community groups. You can find out more at - <a href=\"http://SteveWhiteMortgages.ca\">SteveWhiteMortgages.ca</a></p>','Investors and Landlords Need to Access Their Equity Now!','','publish','closed','open','','investors-landlords-another-mortgage-rule-change','','','2017-09-16 14:49:10','2017-09-16 14:49:10','',0,'https://www.stevewhitemortgages.ca/?p=5479',0,'post','',0),(5480,1,'2017-09-16 14:45:37','2017-09-16 14:45:37','mortgage broker steve white helps investors and landlords access the equity in their properties before the upcoming mortgage rule change','AccessEquity','investors and landlords need to access the equity in their properties before the upcoming mortgage rule change','inherit','closed','closed','','accessequity','','','2017-09-16 14:46:38','2017-09-16 14:46:38','',5479,'https://www.stevewhitemortgages.ca/wp-content/uploads/2017/09/AccessEquity.jpg',0,'attachment','image/jpeg',0),(5481,1,'2017-09-16 14:47:10','2017-09-16 14:47:10','<p class=\"p3\">It’s pretty rare for me to throw around an exclamation point. However after three major mortgage rule changes, back-to-back interest rate hikes, a possible third rate hike and another major possible mortgage rule change all within a year, I don’t think I’m being too dramatic.</p>\r\n<p class=\"p3\">With a possible decision in the next month or so to add another stress test to mortgage qualifications, landlords may soon find they’ve both lost some significant equity at the same time find it very difficult to access much of what’s left.</p>\r\n<p class=\"p4\"><span class=\"s1\">The Office of the Superintendent of Financial Institutions (OSFI) recently released several proposals they were considering to further tighten the mortgage rules for federally regulated lenders - <a href=\"http://www.osfi-bsif.gc.ca/Eng/fi-if/rg-ro/gdn-ort/gl-ld/Pages/b20_dft.aspx\">read the proposal here</a>. </span></p>\r\n<p class=\"p4\"><span class=\"s1\">The one that I believe will have the most impact will be the stress test applied to conventional loans (those with more than 20% equity in their property). <b>OFSI is proposing lenders add 2% to the contract rate to qualify for the mortgage or line of credit</b>.</span></p>\r\n<p class=\"p4\"><span class=\"s1\">That will affect all refinances and equity take out mortgages for investors and mean that they’ll need to qualify at 6.25% interest even though their actual rate is 4.25%. Basically, investors would be to access far less equity than they currently can.</span></p>\r\n<p class=\"p4\"><span class=\"s1\">While that falls in line with what the federal government wants - homeowners keeping more equity in their homes, it would provide a significant challenge to investors who leverage their equity to purchase appreciating assets, i.e. more real estate.</span></p>\r\n<p class=\"p4\"><span class=\"s1\">The other outcome to the possible mortgage rule change is that non-investor buyers who are looking to purchase a home would have their buying power slashed. A couple earning $150,000 a year with no debts looking to purchase a home with an interest rate of 3.85% could afford a home that costs $748,184. With the new proposed rule of needing to qualify at a rate of 5.85% they would only qualify for $614,184 - almost $150,000 less.</span></p>\r\n<p class=\"p4\"><span class=\"s1\">That means lower offers and lower sale prices - <b>a decline in home values in many markets</b>. We’ve already seen the start of this with the recent rule changes even before a change to B-20.</span></p>\r\n<p class=\"p4\"><span class=\"s1\">Oh yeah, and I almost forgot to mention that we may also see another increase to interest rates next month after the two back-to-back raises of .25% each.</span></p>\r\n<p class=\"p6\"><span class=\"s1\">What does all this mean for the investor?</span></p>\r\n<p class=\"p4\"><span class=\"s1\">Well, should the proposed changes to B-20 be confirmed, it will mean investors will be able to access less of the equity in their real estate portfolio at a time when the value is shrinking.</span></p>\r\n<p class=\"p4\"><span class=\"s1\"><b>It also means that we’re likely about to enter a new investment buying cycle</b>. Prices in many markets will either remain flat or will fall a bit and there will be fewer buyers able to afford them. Investors will once again be able to pick and choose properties without fear of aggressive bidding wars.</span></p>\r\n<p class=\"p4\"><span class=\"s1\">Those who accessed their equity before the possible change, either through refinancing or accessing lines of credit will have capital available to expand their portfolios.</span></p>\r\n<p class=\"p4\"><span class=\"s1\">With all this said, I want to ensure this article isn’t interpreted as a sky is falling scare tactic. I fully believe that Canadian real estate is still a fantastic investment and asset for ensuring a secure retirement. I don’t believe we’ll see any significant drop that we won’t soon recover from and I in no way am suggesting homeowners or investors sell off their properties. </span></p>\r\n<p class=\"p7\"><span class=\"s2\">I do believe we’re going to see even more challenges qualifying for a purchase and our portfolio values will flatten out for a little while because of this proposed mortgage rule change. So don’t panic, stay the course and if you can take advantage of this buyer cycle.</span></p>\r\n<p class=\"p9\">If you would like to discuss your portfolio and accessing your equity before any possible rule changes, or to learn about some of the other proposed mortgage rule change <a href=\"https://www.stevewhitemortgages.ca/contact-page\">contact me</a> by email - <a href=\"mailto:SWhite@MortgageAlliance.com\">SWhite@MortgageAlliance.com</a> or cell - 905.903.4799</p>\r\n<p class=\"p9\">——</p>\r\n<p class=\"p9\">Steve White is a mortgage agent with Mortgage Alliance and has been a real estate investor for nearly 10 years. His portfolio currently focuses on single family townhouses in medium sized Ontario cities, second mortgages and commercial high rise buildings held in a REIT. Steve specializes in working with new real estate investors and supports numerous local and international charities and community groups. You can find out more at - <a href=\"http://SteveWhiteMortgages.ca\">SteveWhiteMortgages.ca</a></p>','Investors and Landlords Need to Access Their Equity Now!','','inherit','closed','closed','','5479-revision-v1','','','2017-09-16 14:47:10','2017-09-16 14:47:10','',5479,'https://www.stevewhitemortgages.ca/2017/09/5479-revision-v1/',0,'revision','',0),(5482,1,'2017-09-16 14:48:31','2017-09-16 14:48:31','<p class=\"p3\">It’s pretty rare for me to throw around an exclamation point. However after three major mortgage rule changes, back-to-back interest rate hikes, a possible third rate hike and another major possible mortgage rule change all within a year, I don’t think I’m being too dramatic.</p>\r\n<p class=\"p3\">With a possible decision in the next month or so to add another stress test to mortgage qualifications, landlords may soon find they’ve both lost some significant equity at the same time find it very difficult to access much of what’s left.</p>\r\n<p class=\"p4\"><span class=\"s1\">The Office of the Superintendent of Financial Institutions (OSFI) recently released several proposals they were considering to further tighten the mortgage rules for federally regulated lenders - <a href=\"http://www.osfi-bsif.gc.ca/Eng/fi-if/rg-ro/gdn-ort/gl-ld/Pages/b20_dft.aspx\">read the proposal here</a>. </span></p>\r\n<p class=\"p4\"><span class=\"s1\">The one that I believe will have the most impact will be the stress test applied to conventional loans (those with more than 20% equity in their property). <b>OFSI is proposing lenders add 2% to the contract rate to qualify for the mortgage or line of credit</b>.</span></p>\r\n<p class=\"p4\"><span class=\"s1\">That will affect all refinances and equity take out mortgages for investors and mean that they’ll need to qualify at 6.25% interest even though their actual rate is 4.25%. Basically, investors would be to access far less equity than they currently can.</span></p>\r\n<p class=\"p4\"><span class=\"s1\">While that falls in line with what the federal government wants - homeowners keeping more equity in their homes, it would provide a significant challenge to investors who leverage their equity to purchase appreciating assets, i.e. more real estate.</span></p>\r\n<p class=\"p4\"><span class=\"s1\">The other outcome to the possible mortgage rule change is that non-investor buyers who are looking to purchase a home would have their buying power slashed. A couple earning $150,000 a year with no debts looking to purchase a home with an interest rate of 3.85% could afford a home that costs $748,184. With the new proposed rule of needing to qualify at a rate of 5.85% they would only qualify for $614,184 - almost $150,000 less.</span></p>\r\n<p class=\"p4\"><span class=\"s1\">That means lower offers and lower sale prices - <b>a decline in home values in many markets</b>. We’ve already seen the start of this with the recent rule changes even before a change to B-20.</span></p>\r\n<p class=\"p4\"><span class=\"s1\">Oh yeah, and I almost forgot to mention that we may also see another increase to interest rates next month after the two back-to-back raises of .25% each.</span></p>\r\n\r\n<h2 class=\"p6\"><span class=\"s1\">What does all this mean for the investor?</span></h2>\r\n<p class=\"p4\"><span class=\"s1\">Well, should the proposed changes to B-20 be confirmed, it will mean investors will be able to access less of the equity in their real estate portfolio at a time when the value is shrinking.</span></p>\r\n<p class=\"p4\"><span class=\"s1\"><b>It also means that we’re likely about to enter a new investment buying cycle</b>. Prices in many markets will either remain flat or will fall a bit and there will be fewer buyers able to afford them. Investors will once again be able to pick and choose properties without fear of aggressive bidding wars.</span></p>\r\n<p class=\"p4\"><span class=\"s1\">Those who accessed their equity before the possible change, either through refinancing or accessing lines of credit will have capital available to expand their portfolios.</span></p>\r\n<p class=\"p4\"><span class=\"s1\">With all this said, I want to ensure this article isn’t interpreted as a sky is falling scare tactic. I fully believe that Canadian real estate is still a fantastic investment and asset for ensuring a secure retirement. I don’t believe we’ll see any significant drop that we won’t soon recover from and I in no way am suggesting homeowners or investors sell off their properties. </span></p>\r\n<p class=\"p7\"><span class=\"s2\">I do believe we’re going to see even more challenges qualifying for a purchase and our portfolio values will flatten out for a little while because of this proposed mortgage rule change. So don’t panic, stay the course and if you can take advantage of this buyer cycle.</span></p>\r\n<p class=\"p9\">If you would like to discuss your portfolio and accessing your equity before any possible rule changes, or to learn about some of the other proposed mortgage rule change <a href=\"https://www.stevewhitemortgages.ca/contact-page\">contact me</a> by email - <a href=\"mailto:SWhite@MortgageAlliance.com\">SWhite@MortgageAlliance.com</a> or cell - 905.903.4799</p>\r\n<p class=\"p9\">——</p>\r\n<p class=\"p9\">Steve White is a mortgage agent with Mortgage Alliance and has been a real estate investor for nearly 10 years. His portfolio currently focuses on single family townhouses in medium sized Ontario cities, second mortgages and commercial high rise buildings held in a REIT. Steve specializes in working with new real estate investors and supports numerous local and international charities and community groups. You can find out more at - <a href=\"http://SteveWhiteMortgages.ca\">SteveWhiteMortgages.ca</a></p>','Investors and Landlords Need to Access Their Equity Now!','','inherit','closed','closed','','5479-revision-v1','','','2017-09-16 14:48:31','2017-09-16 14:48:31','',5479,'https://www.stevewhitemortgages.ca/2017/09/5479-revision-v1/',0,'revision','',0),(5484,1,'2017-10-01 16:09:20','2017-10-01 16:09:20','It may seem counter-intuitive that paying a monthly service fee can increase your bottom line, but one must never underestimate the power of hiring a property manager ! Here are 7 ways it can save you money:\r\n\r\n• <strong>High Quality Tenants</strong> The best way to reduce vacancy is to keep units occupied with good tenants. A professional property manager has a sixth sense when it comes to interviewing tenants but will never skimp on the credit check, reference checks, rental history, and the good-for-measure Google search.\r\n\r\n• <strong>Reduced Vacancy Periods</strong> Professional property managers literally make it their business to find good tenants for your property as quickly as possible. Aggressive marketing, diligent follow up and streamlined processes eliminate or minimize rental losses.\r\n\r\n• <strong>Tight Rent Collection and Eviction Processes</strong> Experienced professionals will greatly decrease the time it takes to get bad tenants out, good tenants in and money in your pocket. Knowing the legal processes inside out means no time is wasted in collecting what is owed to you and placing new tenants.\r\n\r\n• <strong>Regularly Scheduled Inspections</strong> Proactively inspecting the property’s foundation, HVAC, mechanical equipment &amp; appliances can identify small issues before they become big, expensive problems.\r\n\r\n• <strong>Reduced Maintenance Expenses</strong> Professional property managers have established relationships with local service professionals. They likely pay these partners at a discounted rate and will pass on those savings to you.\r\n\r\n• <strong>Reduced Operations Costs</strong> Take advantage of a property manager’s accounting and property management software instead of buying your own.\r\n\r\n• <strong>Competitive Rent Rates</strong> If it’s too high, it will be vacant longer. If it’s too low, you are leaving money on the table. Get it right - trust a pro to help you determine the optimal rent for your unit.\r\n<p style=\"text-align: center;\">---</p>\r\n\r\n<em><strong>Natasha Cultraro</strong> is a real estate investor and owner of Investor’s Choice Property Management. She has over 10 years of experience managing properties in Oshawa/Durham region and Peterborough. For more information, visit <a href=\"http://icpmpros.com\">ICPMpros.com</a> or email Natasha at <a href=\"mailto:info@ICPMpros.com\">info@ICPMpros.com</a></em>\r\n\r\nTo find out more about Steve\'s experience hiring a property manager, <a href=\"mailto:steve@stevewhitemortgages.ca\">email</a> or <a href=\"https://www.stevewhitemortgages.ca/contact-page/\">contact me</a>','7 Ways Hiring a Property Manager Saves You Money','','publish','closed','open','','hiring-a-property-manager-saves-money','','','2017-10-01 16:09:20','2017-10-01 16:09:20','',0,'https://www.stevewhitemortgages.ca/?p=5484',0,'post','',0),(5485,1,'2017-10-01 15:49:14','2017-10-01 15:49:14','It may seem counter-intuitive that paying a monthly service fee can increase your bottom line, but one must never underestimate the power of a great property manager! Here are 7 ways hiring a property manager can save you money:\r\n\r\n• High Quality TenantsThe best way to reduce vacancy is to keep units occupied with good tenants. A professional property manager has a sixth sense when it comes to interviewing tenants but will never skimp on the credit check, reference checks, rental history, and the good-for-measure Google search.\r\n\r\n• Reduced Vacancy PeriodsProfessional property managers literally make it their business to find good tenants for your property as quickly as possible. Aggressive marketing, diligent follow up and streamlined processes eliminate or minimize rental losses.\r\n\r\n• Tight Rent Collection and Eviction ProcessesExperienced professionals will greatly decrease the time it takes to get bad tenants out, good tenants in and money in your pocket. Knowing the legal processes inside out means no time is wasted in collecting what is owed to you and placing new tenants.\r\n\r\n• Regularly Scheduled InspectionsProactively inspecting the property’s foundation, HVAC, mechanical equipment &amp; appliances can identify small issues before they become big, expensive problems.\r\n\r\n• Reduced Maintenance ExpensesProfessional property managers have established relationships with local service professionals. They likely pay these partners at a discounted rate and will pass on those savings to you.  • Reduced Operations CostsTake advantage of a property manager’s accounting and property management software instead of buying your own.\r\n\r\n• Competitive Rent RatesIf it’s too high, it will be vacant longer. If it’s too low, you are leaving money on the table. Get it right - trust a pro to help you determine the optimal rent for your unit.\r\n\r\nNatasha Cultraro is a real estate investor and owner of Investor’s Choice Property Management. She has over 10 years of experience managing properties in Oshawa/Durham region and Peterborough. For more information, visit <a href=\"http://icpmpros.com\">ICPMpros.com</a> or email Natasha at <a href=\"mailto:info@ICPMpros.com\">info@ICPMpros.com</a>','7 Ways a Property Manager Can Save You Money','','inherit','closed','closed','','5484-revision-v1','','','2017-10-01 15:49:14','2017-10-01 15:49:14','',5484,'https://www.stevewhitemortgages.ca/2017/10/5484-revision-v1/',0,'revision','',0),(5486,1,'2017-10-01 15:58:41','2017-10-01 15:58:41','steve white mortgage broker refinance best rates toronto','7wayspropertymanager','property manager saves you money, Steve White mortgage alliance broker','inherit','closed','closed','','7wayspropertymanager','','','2017-10-01 16:00:06','2017-10-01 16:00:06','',5484,'https://www.stevewhitemortgages.ca/wp-content/uploads/2017/10/7wayspropertymanager.png',0,'attachment','image/png',0),(5487,1,'2017-10-01 16:06:08','2017-10-01 16:06:08','It may seem counter-intuitive that paying a monthly service fee can increase your bottom line, but one must never underestimate the power of hiring a property manager ! Here are 7 ways it can save you money:\r\n\r\n• <strong>High Quality Tenants</strong> The best way to reduce vacancy is to keep units occupied with good tenants. A professional property manager has a sixth sense when it comes to interviewing tenants but will never skimp on the credit check, reference checks, rental history, and the good-for-measure Google search.\r\n\r\n• <strong>Reduced Vacancy Periods</strong> Professional property managers literally make it their business to find good tenants for your property as quickly as possible. Aggressive marketing, diligent follow up and streamlined processes eliminate or minimize rental losses.\r\n\r\n• <strong>Tight Rent Collection and Eviction Processes</strong> Experienced professionals will greatly decrease the time it takes to get bad tenants out, good tenants in and money in your pocket. Knowing the legal processes inside out means no time is wasted in collecting what is owed to you and placing new tenants.\r\n\r\n• <strong>Regularly Scheduled Inspections</strong> Proactively inspecting the property’s foundation, HVAC, mechanical equipment &amp; appliances can identify small issues before they become big, expensive problems.\r\n\r\n• <strong>Reduced Maintenance Expenses</strong> Professional property managers have established relationships with local service professionals. They likely pay these partners at a discounted rate and will pass on those savings to you.\r\n\r\n&nbsp;\r\n\r\n• <strong>Reduced Operations Costs</strong> Take advantage of a property manager’s accounting and property management software instead of buying your own.\r\n\r\n• <strong>Competitive Rent Rates</strong> If it’s too high, it will be vacant longer. If it’s too low, you are leaving money on the table. Get it right - trust a pro to help you determine the optimal rent for your unit.\r\n\r\n<strong>Natasha Cultraro</strong> is a real estate investor and owner of Investor’s Choice Property Management. She has over 10 years of experience managing properties in Oshawa/Durham region and Peterborough. For more information, visit <a href=\"http://icpmpros.com\">ICPMpros.com</a> or email Natasha at <a href=\"mailto:info@ICPMpros.com\">info@ICPMpros.com</a>\r\n\r\nTo find out more about Steve\'s experience hiring a property manager, <a href=\"mailto:steve@stevewhitemortgages.ca\">email</a> or <a href=\"https://www.stevewhitemortgages.ca/contact-page-2/\">contact me</a>','7 Ways Hiring a Property Manager Saves You Money','','inherit','closed','closed','','5484-revision-v1','','','2017-10-01 16:06:08','2017-10-01 16:06:08','',5484,'https://www.stevewhitemortgages.ca/2017/10/5484-revision-v1/',0,'revision','',0),(5488,1,'2017-10-01 16:06:51','2017-10-01 16:06:51','It may seem counter-intuitive that paying a monthly service fee can increase your bottom line, but one must never underestimate the power of hiring a property manager ! Here are 7 ways it can save you money:\r\n\r\n• <strong>High Quality Tenants</strong> The best way to reduce vacancy is to keep units occupied with good tenants. A professional property manager has a sixth sense when it comes to interviewing tenants but will never skimp on the credit check, reference checks, rental history, and the good-for-measure Google search.\r\n\r\n• <strong>Reduced Vacancy Periods</strong> Professional property managers literally make it their business to find good tenants for your property as quickly as possible. Aggressive marketing, diligent follow up and streamlined processes eliminate or minimize rental losses.\r\n\r\n• <strong>Tight Rent Collection and Eviction Processes</strong> Experienced professionals will greatly decrease the time it takes to get bad tenants out, good tenants in and money in your pocket. Knowing the legal processes inside out means no time is wasted in collecting what is owed to you and placing new tenants.\r\n\r\n• <strong>Regularly Scheduled Inspections</strong> Proactively inspecting the property’s foundation, HVAC, mechanical equipment &amp; appliances can identify small issues before they become big, expensive problems.\r\n\r\n• <strong>Reduced Maintenance Expenses</strong> Professional property managers have established relationships with local service professionals. They likely pay these partners at a discounted rate and will pass on those savings to you.\r\n\r\n• <strong>Reduced Operations Costs</strong> Take advantage of a property manager’s accounting and property management software instead of buying your own.\r\n\r\n• <strong>Competitive Rent Rates</strong> If it’s too high, it will be vacant longer. If it’s too low, you are leaving money on the table. Get it right - trust a pro to help you determine the optimal rent for your unit.\r\n\r\n<strong>Natasha Cultraro</strong> is a real estate investor and owner of Investor’s Choice Property Management. She has over 10 years of experience managing properties in Oshawa/Durham region and Peterborough. For more information, visit <a href=\"http://icpmpros.com\">ICPMpros.com</a> or email Natasha at <a href=\"mailto:info@ICPMpros.com\">info@ICPMpros.com</a>\r\n\r\nTo find out more about Steve\'s experience hiring a property manager, <a href=\"mailto:steve@stevewhitemortgages.ca\">email</a> or <a href=\"https://www.stevewhitemortgages.ca/contact-page-2/\">contact me</a>','7 Ways Hiring a Property Manager Saves You Money','','inherit','closed','closed','','5484-revision-v1','','','2017-10-01 16:06:51','2017-10-01 16:06:51','',5484,'https://www.stevewhitemortgages.ca/2017/10/5484-revision-v1/',0,'revision','',0),(5489,1,'2017-10-01 16:07:48','2017-10-01 16:07:48','It may seem counter-intuitive that paying a monthly service fee can increase your bottom line, but one must never underestimate the power of hiring a property manager ! Here are 7 ways it can save you money:\r\n\r\n• <strong>High Quality Tenants</strong> The best way to reduce vacancy is to keep units occupied with good tenants. A professional property manager has a sixth sense when it comes to interviewing tenants but will never skimp on the credit check, reference checks, rental history, and the good-for-measure Google search.\r\n\r\n• <strong>Reduced Vacancy Periods</strong> Professional property managers literally make it their business to find good tenants for your property as quickly as possible. Aggressive marketing, diligent follow up and streamlined processes eliminate or minimize rental losses.\r\n\r\n• <strong>Tight Rent Collection and Eviction Processes</strong> Experienced professionals will greatly decrease the time it takes to get bad tenants out, good tenants in and money in your pocket. Knowing the legal processes inside out means no time is wasted in collecting what is owed to you and placing new tenants.\r\n\r\n• <strong>Regularly Scheduled Inspections</strong> Proactively inspecting the property’s foundation, HVAC, mechanical equipment &amp; appliances can identify small issues before they become big, expensive problems.\r\n\r\n• <strong>Reduced Maintenance Expenses</strong> Professional property managers have established relationships with local service professionals. They likely pay these partners at a discounted rate and will pass on those savings to you.\r\n\r\n• <strong>Reduced Operations Costs</strong> Take advantage of a property manager’s accounting and property management software instead of buying your own.\r\n\r\n• <strong>Competitive Rent Rates</strong> If it’s too high, it will be vacant longer. If it’s too low, you are leaving money on the table. Get it right - trust a pro to help you determine the optimal rent for your unit.\r\n<p style=\"text-align: center;\">---</p>\r\n\r\n<em><strong>Natasha Cultraro</strong> is a real estate investor and owner of Investor’s Choice Property Management. She has over 10 years of experience managing properties in Oshawa/Durham region and Peterborough. For more information, visit <a href=\"http://icpmpros.com\">ICPMpros.com</a> or email Natasha at <a href=\"mailto:info@ICPMpros.com\">info@ICPMpros.com</a></em>\r\n\r\nTo find out more about Steve\'s experience hiring a property manager, <a href=\"mailto:steve@stevewhitemortgages.ca\">email</a> or <a href=\"https://www.stevewhitemortgages.ca/contact-page-2/\">contact me</a>','7 Ways Hiring a Property Manager Saves You Money','','inherit','closed','closed','','5484-revision-v1','','','2017-10-01 16:07:48','2017-10-01 16:07:48','',5484,'https://www.stevewhitemortgages.ca/2017/10/5484-revision-v1/',0,'revision','',0),(5490,1,'2017-10-01 16:08:55','2017-10-01 16:08:55','It may seem counter-intuitive that paying a monthly service fee can increase your bottom line, but one must never underestimate the power of hiring a property manager ! Here are 7 ways it can save you money:\r\n\r\n• <strong>High Quality Tenants</strong> The best way to reduce vacancy is to keep units occupied with good tenants. A professional property manager has a sixth sense when it comes to interviewing tenants but will never skimp on the credit check, reference checks, rental history, and the good-for-measure Google search.\r\n\r\n• <strong>Reduced Vacancy Periods</strong> Professional property managers literally make it their business to find good tenants for your property as quickly as possible. Aggressive marketing, diligent follow up and streamlined processes eliminate or minimize rental losses.\r\n\r\n• <strong>Tight Rent Collection and Eviction Processes</strong> Experienced professionals will greatly decrease the time it takes to get bad tenants out, good tenants in and money in your pocket. Knowing the legal processes inside out means no time is wasted in collecting what is owed to you and placing new tenants.\r\n\r\n• <strong>Regularly Scheduled Inspections</strong> Proactively inspecting the property’s foundation, HVAC, mechanical equipment &amp; appliances can identify small issues before they become big, expensive problems.\r\n\r\n• <strong>Reduced Maintenance Expenses</strong> Professional property managers have established relationships with local service professionals. They likely pay these partners at a discounted rate and will pass on those savings to you.\r\n\r\n• <strong>Reduced Operations Costs</strong> Take advantage of a property manager’s accounting and property management software instead of buying your own.\r\n\r\n• <strong>Competitive Rent Rates</strong> If it’s too high, it will be vacant longer. If it’s too low, you are leaving money on the table. Get it right - trust a pro to help you determine the optimal rent for your unit.\r\n<p style=\"text-align: center;\">---</p>\r\n\r\n<em><strong>Natasha Cultraro</strong> is a real estate investor and owner of Investor’s Choice Property Management. She has over 10 years of experience managing properties in Oshawa/Durham region and Peterborough. For more information, visit <a href=\"http://icpmpros.com\">ICPMpros.com</a> or email Natasha at <a href=\"mailto:info@ICPMpros.com\">info@ICPMpros.com</a></em>\r\n\r\nTo find out more about Steve\'s experience hiring a property manager, <a href=\"mailto:steve@stevewhitemortgages.ca\">email</a> or <a href=\"https://www.stevewhitemortgages.ca/contact-page/\">contact me</a>','7 Ways Hiring a Property Manager Saves You Money','','inherit','closed','closed','','5484-revision-v1','','','2017-10-01 16:08:55','2017-10-01 16:08:55','',5484,'https://www.stevewhitemortgages.ca/2017/10/5484-revision-v1/',0,'revision','',0),(5492,1,'2017-10-16 20:51:18','2017-10-16 20:51:18','Success isn\'t easy and it\'s never done alone. To really succeed as a real estate investor, as in all other endeavours, you need a team.\r\n\r\nOften the most experienced person you need is either too expensive to add to your team, or they\'re unavailable. So, for those times you hope they\'ve written a book that you can lean on to help you though the struggles.\r\n\r\nHere\'s my list of 21 must-own books that you really should pick up at some point. You may not follow their techniques or model, but you should at least be aware of them. You also can still be successful without them, but they\'ll sure help.\r\n\r\nTo avoid hurt feelings these are presented in no particular order. If you want to know my personal Top 5, you can <a href=\"mailto:steve@stevewhitemortgages.ca\">email me</a> ;)\r\n<ol>\r\n 	<li class=\"p1\">Ultimate Wealth Strategy - <a href=\"https://durhamrei.com/\">Quentin D\'Souza</a>, <a href=\"http://www.bpirealestate.ca\">Andrew Brennan</a>, <a href=\"http://wamproperties.com/\">Jeff Woods</a></li>\r\n 	<li class=\"p1\">Real Estate Investing in Canada - <a href=\"http://www.donrcampbell.com/\">Don Campbell</a></li>\r\n 	<li class=\"p1\">Legal, Tax and Accounting Strategies for the Canadian Real Estate Investor - <a href=\"https://www.amazon.ca/Accounting-Strategies-Canadian-Estate-Investor/dp/0470677732\">Steven Cohen</a>, <a href=\"http://georgeedube.com/\">George Dube</a></li>\r\n 	<li class=\"p1\">The Canadian Landlords Guide - <a href=\"http://www.homebuyer.ca/douglas-gray/\">Douglas Gray</a></li>\r\n 	<li class=\"p1\">Fix and Flip - <a href=\"https://www.markloefflerteam.com/\">Mark Loeffler</a>, <a href=\"https://www.linkedin.com/in/ian-szabo-730a2b83/\">Ian Szabo</a></li>\r\n 	<li class=\"p1\">More Than Cashflow - <a href=\"https://revnyou.com/\">Julie Broad</a></li>\r\n 	<li class=\"p1\">RRSP Secret - <a href=\"https://www.linkedin.com/in/greghabstritt/\">Greg Habstritt</a></li>\r\n 	<li class=\"p1\">Smith Maneuver - Fraser Smith</li>\r\n 	<li class=\"p1\">Rich Dad Poor Dad - <a href=\"http://www.richdad.com/\">Robert Kiyosaki</a></li>\r\n 	<li class=\"p1\">Think and Grow Rich - Napoleon Hill</li>\r\n 	<li class=\"p1\">Investing in Rent To Own Property - <a href=\"https://www.markloefflerteam.com/\">Mark Loeffler</a></li>\r\n 	<li class=\"p1\">The Canadian Real Estate Action Plan - <a href=\"http://www.peterkinch.com/\">Peter Kinch</a></li>\r\n 	<li class=\"p1\">97 Tip for Canadian Real Estate Investors - <a href=\"http://www.donrcampbell.com/\">Don Campbell</a></li>\r\n 	<li class=\"p1\">Real Estate Joint Ventures - <a href=\"http://www.donrcampbell.com/\">Don Campbell</a>, <a href=\"https://www.linkedin.com/in/russell-westcott-8848b818/\">Russell Westcott</a></li>\r\n 	<li class=\"p1\">Secretes of the Canadian Real Estate Cycle - <a href=\"http://www.donrcampbell.com/\">Don Campbell</a></li>\r\n 	<li class=\"p1\">The Property Management Toolbox - <a href=\"https://durhamrei.com/\">Quentin D\'Souza</a></li>\r\n 	<li>Real Estate Riches - <a href=\"https://www.tahani.ca/\">Tahani Aburaneh</a></li>\r\n 	<li>Hold - Chader, Doty, McKissack</li>\r\n 	<li>From Renos to Riches - <a href=\"https://www.linkedin.com/in/ian-szabo-730a2b83/\">Ian Szabo</a></li>\r\n 	<li>How to Win at Real Estate to Break the Freedom Barrier - <a href=\"http://engagedinvestor.ca/\">Joey Ragona</a></li>\r\n 	<li>The Millionaire Real Estate Investor - <a href=\"https://www.linkedin.com/in/kellergary/\">Gary Keller</a></li>\r\n</ol>\r\nDid I miss something or would you like to add to the list? You can reach out and <a href=\"https://www.stevewhitemortgages.ca/contact-page/\">Contact me</a> here.','21 Must-Own Books For Every Real Estate Investor.','','publish','closed','open','','21-must-books-every-real-estate-investor','','','2017-10-16 21:42:07','2017-10-16 21:42:07','',0,'https://www.stevewhitemortgages.ca/?p=5492',0,'post','',0),(5493,1,'2017-10-16 20:32:14','2017-10-16 20:32:14','Steve White Mortgage Broker Toronto Durham Oshawa Ajax Whitby Pickering serving real estate investors','Books For Real Estate Investors','Books For Real Estate Investors','inherit','closed','closed','','booksforrealestateinvestors','','','2017-10-16 20:33:43','2017-10-16 20:33:43','',5492,'https://www.stevewhitemortgages.ca/wp-content/uploads/2017/10/BooksForRealEstateInvestors.jpg',0,'attachment','image/jpeg',0),(5494,1,'2017-10-16 20:51:18','2017-10-16 20:51:18','Success isn\'t easy and it\'s never done alone. To really succeed as a real estate investor, as in all other endeavours, you need a team.\r\n\r\nOften the most experienced person you need is either too expensive to add to your team, or they\'re unavailable. So, for those times you hope they\'ve written a book that you can lean on to help you though the struggles.\r\n\r\nHere\'s my list of 21 must-own books that you really should pick up at some point. You may not follow their techniques or model, but you should at least be aware of them. You also can still be successful without them, but they\'ll sure help.\r\n\r\nTo avoid hurt feelings these are presented in no particular order. If you want to know my personal Top 5, you can <a href=\"mailto:steve@stevewhitemortgages.ca\">email me</a> ;)\r\n<ol>\r\n 	<li class=\"p1\">Ultimate Wealth Strategy - <a href=\"https://durhamrei.com/\">Quentin D\'Souza</a>, <a href=\"http://www.bpirealestate.ca\">Andrew Brennan</a>, <a href=\"http://wamproperties.com/\">Jeff Woods</a></li>\r\n 	<li class=\"p1\">Real Estate Investing in Canada - <a href=\"http://www.donrcampbell.com/\">Don Campbell</a></li>\r\n 	<li class=\"p1\">Legal, Tax and Accounting Strategies for the Canadian Real Estate Investor - <a href=\"https://www.amazon.ca/Accounting-Strategies-Canadian-Estate-Investor/dp/0470677732\">Steven Cohen</a>, <a href=\"http://georgeedube.com/\">George Dube</a></li>\r\n 	<li class=\"p1\">The Canadian Landlords Guide - <a href=\"http://www.homebuyer.ca/douglas-gray/\">Douglas Gray</a></li>\r\n 	<li class=\"p1\">Fix and Flip - <a href=\"https://www.markloefflerteam.com/\">Mark Loeffler</a>, <a href=\"https://www.linkedin.com/in/ian-szabo-730a2b83/\">Ian Szabo</a></li>\r\n 	<li class=\"p1\">More Than Cashflow - <a href=\"https://revnyou.com/\">Julie Broad</a></li>\r\n 	<li class=\"p1\">RRSP Secret - <a href=\"https://www.linkedin.com/in/greghabstritt/\">Greg Habstritt</a></li>\r\n 	<li class=\"p1\">Smith Maneuver - Fraser Smith</li>\r\n 	<li class=\"p1\">Rich Dad Poor Dad - <a href=\"http://www.richdad.com/\">Robert Kiyosaki</a></li>\r\n 	<li class=\"p1\">Think and Grow Rich - Napoleon Hill</li>\r\n 	<li class=\"p1\">Investing in Rent To Own Property - <a href=\"https://www.markloefflerteam.com/\">Mark Loeffler</a></li>\r\n 	<li class=\"p1\">The Canadian Real Estate Action Plan - <a href=\"http://www.peterkinch.com/\">Peter Kinch</a></li>\r\n 	<li class=\"p1\">97 Tip for Canadian Real Estate Investors - <a href=\"http://www.donrcampbell.com/\">Don Campbell</a></li>\r\n 	<li class=\"p1\">Real Estate Joint Ventures - <a href=\"http://www.donrcampbell.com/\">Don Campbell</a>, <a href=\"https://www.linkedin.com/in/russell-westcott-8848b818/\">Russell Westcott</a></li>\r\n 	<li class=\"p1\">Secretes of the Canadian Real Estate Cycle - <a href=\"http://www.donrcampbell.com/\">Don Campbell</a></li>\r\n 	<li class=\"p1\">The Property Management Toolbox - <a href=\"https://durhamrei.com/\">Quentin D\'Souza</a></li>\r\n 	<li>Real Estate Riches - <a href=\"https://www.tahani.ca/\">Tahani Aburaneh</a></li>\r\n 	<li>Hold - Chader, Doty, McKissack</li>\r\n 	<li>From Renos to Riches - <a href=\"https://www.linkedin.com/in/ian-szabo-730a2b83/\">Ian Szabo</a></li>\r\n 	<li>The Richest Man in Babylon - George Clason</li>\r\n 	<li>The Millionaire Real Estate Investor - <a href=\"https://www.linkedin.com/in/kellergary/\">Gary Keller</a></li>\r\n</ol>\r\nDid I miss something or would you like to add to the list? You can reach out and <a href=\"https://www.stevewhitemortgages.ca/contact-page/\">Contact me</a> here.','21 Must-Own Books For Every Real Estate Investor.','','inherit','closed','closed','','5492-revision-v1','','','2017-10-16 20:51:18','2017-10-16 20:51:18','',5492,'https://www.stevewhitemortgages.ca/2017/10/5492-revision-v1/',0,'revision','',0),(5495,1,'2017-10-16 21:42:07','2017-10-16 21:42:07','Success isn\'t easy and it\'s never done alone. To really succeed as a real estate investor, as in all other endeavours, you need a team.\r\n\r\nOften the most experienced person you need is either too expensive to add to your team, or they\'re unavailable. So, for those times you hope they\'ve written a book that you can lean on to help you though the struggles.\r\n\r\nHere\'s my list of 21 must-own books that you really should pick up at some point. You may not follow their techniques or model, but you should at least be aware of them. You also can still be successful without them, but they\'ll sure help.\r\n\r\nTo avoid hurt feelings these are presented in no particular order. If you want to know my personal Top 5, you can <a href=\"mailto:steve@stevewhitemortgages.ca\">email me</a> ;)\r\n<ol>\r\n 	<li class=\"p1\">Ultimate Wealth Strategy - <a href=\"https://durhamrei.com/\">Quentin D\'Souza</a>, <a href=\"http://www.bpirealestate.ca\">Andrew Brennan</a>, <a href=\"http://wamproperties.com/\">Jeff Woods</a></li>\r\n 	<li class=\"p1\">Real Estate Investing in Canada - <a href=\"http://www.donrcampbell.com/\">Don Campbell</a></li>\r\n 	<li class=\"p1\">Legal, Tax and Accounting Strategies for the Canadian Real Estate Investor - <a href=\"https://www.amazon.ca/Accounting-Strategies-Canadian-Estate-Investor/dp/0470677732\">Steven Cohen</a>, <a href=\"http://georgeedube.com/\">George Dube</a></li>\r\n 	<li class=\"p1\">The Canadian Landlords Guide - <a href=\"http://www.homebuyer.ca/douglas-gray/\">Douglas Gray</a></li>\r\n 	<li class=\"p1\">Fix and Flip - <a href=\"https://www.markloefflerteam.com/\">Mark Loeffler</a>, <a href=\"https://www.linkedin.com/in/ian-szabo-730a2b83/\">Ian Szabo</a></li>\r\n 	<li class=\"p1\">More Than Cashflow - <a href=\"https://revnyou.com/\">Julie Broad</a></li>\r\n 	<li class=\"p1\">RRSP Secret - <a href=\"https://www.linkedin.com/in/greghabstritt/\">Greg Habstritt</a></li>\r\n 	<li class=\"p1\">Smith Maneuver - Fraser Smith</li>\r\n 	<li class=\"p1\">Rich Dad Poor Dad - <a href=\"http://www.richdad.com/\">Robert Kiyosaki</a></li>\r\n 	<li class=\"p1\">Think and Grow Rich - Napoleon Hill</li>\r\n 	<li class=\"p1\">Investing in Rent To Own Property - <a href=\"https://www.markloefflerteam.com/\">Mark Loeffler</a></li>\r\n 	<li class=\"p1\">The Canadian Real Estate Action Plan - <a href=\"http://www.peterkinch.com/\">Peter Kinch</a></li>\r\n 	<li class=\"p1\">97 Tip for Canadian Real Estate Investors - <a href=\"http://www.donrcampbell.com/\">Don Campbell</a></li>\r\n 	<li class=\"p1\">Real Estate Joint Ventures - <a href=\"http://www.donrcampbell.com/\">Don Campbell</a>, <a href=\"https://www.linkedin.com/in/russell-westcott-8848b818/\">Russell Westcott</a></li>\r\n 	<li class=\"p1\">Secretes of the Canadian Real Estate Cycle - <a href=\"http://www.donrcampbell.com/\">Don Campbell</a></li>\r\n 	<li class=\"p1\">The Property Management Toolbox - <a href=\"https://durhamrei.com/\">Quentin D\'Souza</a></li>\r\n 	<li>Real Estate Riches - <a href=\"https://www.tahani.ca/\">Tahani Aburaneh</a></li>\r\n 	<li>Hold - Chader, Doty, McKissack</li>\r\n 	<li>From Renos to Riches - <a href=\"https://www.linkedin.com/in/ian-szabo-730a2b83/\">Ian Szabo</a></li>\r\n 	<li>How to Win at Real Estate to Break the Freedom Barrier - <a href=\"http://engagedinvestor.ca/\">Joey Ragona</a></li>\r\n 	<li>The Millionaire Real Estate Investor - <a href=\"https://www.linkedin.com/in/kellergary/\">Gary Keller</a></li>\r\n</ol>\r\nDid I miss something or would you like to add to the list? You can reach out and <a href=\"https://www.stevewhitemortgages.ca/contact-page/\">Contact me</a> here.','21 Must-Own Books For Every Real Estate Investor.','','inherit','closed','closed','','5492-revision-v1','','','2017-10-16 21:42:07','2017-10-16 21:42:07','',5492,'https://www.stevewhitemortgages.ca/2017/10/5492-revision-v1/',0,'revision','',0),(5515,1,'2017-11-30 18:56:30','2017-11-30 18:56:30','','logo','','inherit','closed','closed','','logo-2','','','2017-11-30 18:56:30','2017-11-30 18:56:30','',5026,'https://www.stevewhitemortgages.ca/wp-content/uploads/2017/11/logo.jpg',0,'attachment','image/jpeg',0),(5497,1,'2017-11-20 19:14:40','2017-11-20 19:14:40','','19875451_10154511132711433_104078739607032527_n','','inherit','closed','closed','','19875451_10154511132711433_104078739607032527_n','','','2017-11-20 19:14:40','2017-11-20 19:14:40','',4547,'https://www.stevewhitemortgages.ca/wp-content/uploads/2017/11/19875451_10154511132711433_104078739607032527_n.jpg',0,'attachment','image/jpeg',0),(5498,1,'2017-11-20 19:20:03','2017-11-20 19:20:03','<h1><span style=\"color: #e66a1e;\">Durham Mortgage Broker Serving Ontario</span></h1>\r\n<div class=\"service-slideshow-content\">\r\n\r\n<span style=\"color: #808080;\">My name is Steve White and I’m a licensed mortgage agent with Mortgage Alliance – your Durham Mortgage Broker.</span>\r\n\r\n<span style=\"color: #808080;\">I help ensure everyday Canadians have the best possible mortgage, with the best possible rates and terms. I proudly do my best to keep more money in my client’s pockets and out of the bank’s coffers.</span>\r\n\r\n<span style=\"color: #808080;\">As a <strong>Durham Mortgage Broker</strong>, I work with over 60 mortgage lenders, including your own bank. We’re able to use our credibility and experience to get the best mortgage terms and rates to suit your needs and situation</span>\r\n\r\n<span style=\"color: #808080;\"> A good mortgage broker can help plan your mortgage around your long term goals, as well as short term life events – from helping pay for your child’s college/university, catching up on retirement savings to being mortgage free sooner.</span>\r\n<span style=\"color: #808080;\"> </span>\r\n<span style=\"color: #808080;\">Mortgage agents are there to help from before you even start to house shop, through packaging your financials, finding the right lender with the best rates/terms, overseeing the appraisal values and inspections, ensuring you’re not overbidding, checking in with your Realtor and lawyer and keeping all the financials running smoothly until you receive your keys.</span>\r\n\r\n</div>\r\n<span style=\"color: #808080;\">With interest rates at an all-time low, now is the ideal time to review your current mortgage and see if there’s a better deal out there. Even if you have several years left on your existing mortgage, I can help review your options to keep more money in your pocket.</span>\r\n\r\n<span style=\"color: #808080;\">Don’t sign your mortgage renewal without seeing what other options are out there. Most often there’s a better deal out there giving you better terms or lower rates. It’s worth an hour or two of your time to potentially save yourself and your family thousands of dollars a year.</span>\r\n\r\n<span style=\"color: #808080;\">Contact me to help find a solution to mounting debts before they damage your credit for years. I can help avoid power of sale, reduce your debt payments or find temporary funds to ease the pressure.</span>\r\n\r\n<span style=\"color: #808080;\">Before you head out shopping for your dream home, let me ensure you’re in the best possible financial position to make an offer.</span>\r\n\r\n<span style=\"color: #808080;\">Apply for a mortgage here - <a href=\"https://www.mortgageboss.ca/leadgeneration/add_lead.aspx?Agent_ID=11879\" target=\"_blank\" rel=\"noopener\">Mortgage Broker Application</a></span>','Durham Mortgage Broker Serving Ajax, Pickering, Whitby, Oshawa, Bowmanville','','inherit','closed','closed','','4547-revision-v1','','','2017-11-20 19:20:03','2017-11-20 19:20:03','',4547,'https://www.stevewhitemortgages.ca/2017/11/4547-revision-v1/',0,'revision','',0),(5500,1,'2017-11-20 22:11:55','2017-11-20 22:11:55','','Cupped hands','Cupped hands of a man hopefully held up. Cupped hands asking for something.','inherit','closed','closed','','cupped-hands-6','','','2017-11-20 22:11:55','2017-11-20 22:11:55','',4547,'https://www.stevewhitemortgages.ca/wp-content/uploads/2017/11/front5b.jpg',0,'attachment','image/jpeg',0),