Is it the best rate, or the best rate for you? 

Lots of web sites list what they call "Today's Best Rates". But at The Mortgage Centre, we'd rather not mislead you.

Mortgage rates change regularly, so you may see a rate advertised that's no longer available by the time you apply. What's more, certain rates are only available to clients with specific needs or credit qualifications. There's no way for you to know whether an advertised rate is what you'll end up getting.

Another consideration is that some mortgages with very low rates may not give you the options or flexibility you need. The only way we can accurately quote you the best rate is to do a free analysis of your situation, needs and goals. Then once we know exactly what's right for you, we'll shop the market and find you the best-available package of rates and features.

^{The Tom Gasparec Mortgage Consulting Team}

1 Year Closed: 2.65% 2 Year Closed: 3.05% 3 Year Closed: 3.49%* 4 Year Closed: 3.99% 5 Year Closed:  4.09*    7 Year Closed: 5.10% 10 Year Closed: 5.20%* 15 Year Closed: 9.25% Line of Credit: P+0.80% (3.05%) Fully Open Variable Rate: P+0.00% (2.25%)* *Special Additional discounts available: Variable Rate & Fixed rates (O.A.C.,special conditions & limited time offer,$300K mortgage min) CALL FOR MORE DETAILS Special: 5yr Fixed with 2% Cash Back @ 4.84% (O.A.C., 30 day quick close only, special conditions) Special: 5yr Fixed with 1yr Rate Guarantee @ 4.80% (Perfect for NEW Construction long closings) Special: 5yr Fixed with 5% Cash Back @ 5.78%  Line of Credit / 2nd Mortgage's at 3.05% Prime Lending Rate:  2.25%      Limited Time offer, some restrictions apply* Rates Subject to change without notice*   On Approved Credit Rates updated as of Oct19, 2009