Ask Phil


	Are you a mortgage penalty Red Wretch?
	25 year amortization: savings or trap?
	Making a Profit with Grow Op property
	Critical Illness and Disability Insurance gamble
	Real Mean Rent Hog Ride- response to Garth Turner Feb 8 blog
	Economic Forecasts could fry your mind
	Mortgage rule changes: an opportunity for home owners and renovators
	Is the 35 year amortization a Bait and Switch scheme for many?
	Getting more in Debt to reduce debt?
	Phil McDowell is also a licenced Mortgage Broker in BC
	Home Buying as a Partnership
	Potential Sub-Prime Disaster ends up a happy life line!
	Rent to Own- the document could kill future qualification for financing!
	Aged parent says, "I'm not moving!" but lives in a cash poor retirement?
	Fixed or Variable rate mortgage- ask for your cost comparison based on your guess or fear
	Lay off concerns making you nervous about buying- there is a "cure" for that!
	Lay off concerns making you nervous about buying- there is a "cure" for that!
	We Buy Houses scam
	Rent to Own
	Ice Cream Real Estate Market
	Variable and multi-term fixed= bye bye future negotiating power
	When your mortgage term is up- is your balance up, too?
	When PIGS fly there is less pressure to raise mortgage rates
	BMO Fraud civil claim no reason for higher rates tomorrow
	Easy money may lead to hard lesson

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