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	<title>Averbach Mortgages Blog &#187; Mortgage Advice</title>
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	<description>Our goal is to get YOU the best mortgage and best rates possible.</description>
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		<title>Babies Are Expensive!</title>
		<link>http://www.averbachmortgages.com/blog/mortgage-advice/babies-are-expensive/</link>
		<comments>http://www.averbachmortgages.com/blog/mortgage-advice/babies-are-expensive/#comments</comments>
		<pubDate>Sat, 14 Aug 2010 17:16:26 +0000</pubDate>
		<dc:creator>Mike</dc:creator>
				<category><![CDATA[Buying a Home]]></category>
		<category><![CDATA[Mortgage Advice]]></category>

		<guid isPermaLink="false">http://www.averbachmortgages.com/blog/?p=639</guid>
		<description><![CDATA[Since we have recently added a new baby Averbach to our family, babies are on my mind!

Yesterday, I read an article from the Globe and Mail,  Getting financially prepared for a maternity leave, which focused on how important it is to plan ahead.
The gist of the article is that even if you are eligible for maternity leave benefits your [...]]]></description>
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		<title>Credit Ruined Over Unknown Bill</title>
		<link>http://www.averbachmortgages.com/blog/mortgage-advice/credit-ruined-over-unknown-bill/</link>
		<comments>http://www.averbachmortgages.com/blog/mortgage-advice/credit-ruined-over-unknown-bill/#comments</comments>
		<pubDate>Thu, 15 Jul 2010 22:22:26 +0000</pubDate>
		<dc:creator>Dhale</dc:creator>
				<category><![CDATA[General Info]]></category>
		<category><![CDATA[Mortgage Advice]]></category>

		<guid isPermaLink="false">http://www.averbachmortgages.com/blog/?p=619</guid>
		<description><![CDATA[
On the CBC news site there is an article about how someone&#8217;s credit score was downgraded by 100 points because of an unpaid bill.  The gentleman in the article,  had moved and failed to inform one of his creditors (Telus).  Since the bills were going to the wrong address, it remained unpaid for years until [...]]]></description>
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		<title>Have You Been Rejected?</title>
		<link>http://www.averbachmortgages.com/blog/mortgage-advice/have-you-been-rejected/</link>
		<comments>http://www.averbachmortgages.com/blog/mortgage-advice/have-you-been-rejected/#comments</comments>
		<pubDate>Tue, 06 Jul 2010 00:30:22 +0000</pubDate>
		<dc:creator>Dhale</dc:creator>
				<category><![CDATA[Buying a Home]]></category>
		<category><![CDATA[Mortgage Advice]]></category>

		<guid isPermaLink="false">http://www.averbachmortgages.com/blog/?p=607</guid>
		<description><![CDATA[Mortgages are normally rejected because of credit problems, such as being delinquent on your bills, employment problems, a heavy debt load, or not enough income.

If your bank turns you down, that does not mean you will end up paying rent forever.
As professional mortgage brokers, it is our job to help you present yourself in the [...]]]></description>
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		<title>Are You Planning on Getting a New Mortgage or Refinancing in the Next Six to Twelve Months?</title>
		<link>http://www.averbachmortgages.com/blog/mortgage-advice/are-you-planning-on-getting-a-new-mortgage-or-refinancing-in-the-next-six-to-twelve-months/</link>
		<comments>http://www.averbachmortgages.com/blog/mortgage-advice/are-you-planning-on-getting-a-new-mortgage-or-refinancing-in-the-next-six-to-twelve-months/#comments</comments>
		<pubDate>Mon, 21 Jun 2010 17:22:06 +0000</pubDate>
		<dc:creator>Dhale</dc:creator>
				<category><![CDATA[Buying a Home]]></category>
		<category><![CDATA[Mortgage Advice]]></category>

		<guid isPermaLink="false">http://www.averbachmortgages.com/blog/?p=604</guid>
		<description><![CDATA[If you are planning on a home purchase, or on refinancing in the next six to twelve months, here are a few things you can do to positively affect your credit score.

Your credit score will impact how much of a mortgage you will qualify for as well as the rates you will be offered.
1. Be [...]]]></description>
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		<title>Rate Hike Imminent</title>
		<link>http://www.averbachmortgages.com/blog/mortgage-advice/rate-hike-imminent/</link>
		<comments>http://www.averbachmortgages.com/blog/mortgage-advice/rate-hike-imminent/#comments</comments>
		<pubDate>Sun, 09 May 2010 18:00:48 +0000</pubDate>
		<dc:creator>Dhale</dc:creator>
				<category><![CDATA[Mortgage Advice]]></category>
		<category><![CDATA[Mortgage News]]></category>

		<guid isPermaLink="false">http://www.averbachmortgages.com/blog/?p=553</guid>
		<description><![CDATA[The major news agencies reported record employment numbers with &#8220;the largest gain yet in absolute terms and the biggest percentage  increase since 2002.&#8221;
According to financial experts this pretty well ensures that there will be a rate hike increase in June 2010.  The only snag could be a financial meltdown stemming from the Greek financial [...]]]></description>
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		<title>Bank Rate Increases In The News</title>
		<link>http://www.averbachmortgages.com/blog/mortgage-advice/bank-rate-increases-in-the-news/</link>
		<comments>http://www.averbachmortgages.com/blog/mortgage-advice/bank-rate-increases-in-the-news/#comments</comments>
		<pubDate>Wed, 31 Mar 2010 15:28:44 +0000</pubDate>
		<dc:creator>Dhale</dc:creator>
				<category><![CDATA[Mortgage Advice]]></category>
		<category><![CDATA[Mortgage News]]></category>

		<guid isPermaLink="false">http://www.averbachmortgages.com/blog/?p=496</guid>
		<description><![CDATA[
It&#8217;s a done deal.  All the major Canadian Banks have now increased their Mortgage Rates, AND we haven&#8217;t even seen what will happen once the Bank of Canada gets into the act a few short months from now.
Some rates have risen up to  6/10ths of a percentage point.  This can make a significant difference in [...]]]></description>
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