Courtesy of
Brent Sheppard
403-253-5678 (Office)


Keeping Your Home Cool in the Summer
Tired of the summer heat? Or the high A/C bills that come with it?

Here are some low-cost ways to keep your home cool and comfortable this season:
  • Keep your blinds and drapes drawn during the daytime. (Blackout curtains are best.)
  • Close off unused rooms to keep the cool air more concentrated.
  • Switch your ceiling fans to run counter-clockwise.
  • Swap out your incandescent light bulbs for CFLs. Incandescents emit heat and can make your home warmer.
  • Stick to grilling. Turning on the oven or stovetop can heat up your living areas.
A smart thermostat can also help, allowing you to customize a cooling schedule that works for your budget.
What Impacts Your Mortgage Rate?
There are lots of factors that influence the mortgage rate you receive.
Are you preparing to apply for a loan? Here's what will impact your rate:
  • Your credit score. The higher your credit score, the better your interest rate will be.
  • The amount of debt you have. Lenders want to know how much of your income you put toward debts each month.
  • Your down payment. Bigger down payments typically mean lower rates, while small down payments mean the opposite.
No one is more equipped to get you the best mortgage, with the best rate, and best terms than a licensed mortgage professional who works with all lenders and can shop around. Ask for my preferred mortgage partner today to get started without obligation.
What to Do If You Can't Make Your Mortgage Payments
Falling behind on your mortgage can put your home at risk of foreclosure.

Don't want to lose your home? Here's what you should do if you can't make your payments:
  • Call your lender. They may give you a grace period, modify your loan, or put you on a repayment plan.
  • Talk to a financial counsellor. You can find one through the bank or your local chamber of commerce.
  • More Options. Consider refinancing to consolidate debts, or otherwise sell your home to find something more in the range of your financial ability.
You can also refinance your loan (to lower your payments) or, in extreme circumstances, sell your house.