Home Equity Loans in Alberta

If you live in Vancouver and you have a home, you will know that housing prices have skyrocketed. What does this mean for you? Well, if you bought in at $250,000, your house could very well be worth 2-3 times that in today’s market. That means you have anywhere from $200-$500,000 available to you.

This gives you a few options. If you are interested in selling, contact a Vancouver west end real estate agent, and enquire about selling your place at a huge profit. Or, you could keep your home, and just take the profits instead, to use at your leisure, through a Vancouver second mortgage.

Here are some of the benefits of a second mortgage, and a few things you can do with that money.

However, if you are in Calgary, and you are interested in a Calgary second mortgage, then you just need to talk to your financial advisor at Alpine Mortgage.

With property in Alberta, your equity may not be as great as in Vancouver, but your spend can go further. It is easier and cheaper to renovate your home in Calgary. And with a fresh dash of paint and a new set of steps, your three bedroom rancher could quickly transform into a sophisticated urban chalet.

Todd Hirsch, of the Calgary Herald, recently published an article, “Economic Shift to the West Gaining Momentum,” in which he identified ten reasons why Western Canada is slowly becoming the economic centre of Canada. Here is a summary of his reasons why 2011 could be a great year for the citizens and investors in Western Canada.

10. Provincial Debt – The Western Provinces are doing much better than Central Canada in controlling their spending. Saskatchewan is actually running a surplus. Controllable debt means a healthier market.

9. Agriculture – Moisture conditions look good for crops such as wheat, barley and canola. These are three of the biggest agricultural exports in the West.

8. Diversified Exports – More products are going overseas rather than to our American cousin. This means that we are less reliant on one consumer. Always a benefit.

7. Dollar on the Rise – Works well with the diversification mentioned above.

6. Fort Mac – An environmental stumbling block, but a massive revenue creator for Alberta.

5. Conventional Oil Drilling – There are other means for removing the black gold beneath Alberta’s surface.

4. Other Resources – Western Canada is rich in forestry, potash and base metals.

3. Job Numbers Increasing – Lower unemployment than the East.

2. City Growth – Saskatoon is the fastest growing metropolitan area in the country followed by Vancouver and Regina.

1. All of the Above – The perfect recipe for investing in the West.

Success in the West

How important is your children’s post-secondary education? Silly question.

But how will they pay for their University? Do you have a plan in place? Have you set aside the funds they will need?

If you haven’t, don’t panic. It’s never too late to start.

Alpine Mortgage wants to make it easy for you. If you have a home and have been diligently paying your mortgage payments, you are eligible for a second mortgage based on your home equity.

With the loan, you can put the money aside that your kids will eventually use to pay their tuition. Talk to your financial advisor about investing the capital in a low risk plan so that the fund has a chance to grow.

The earlier you start the better. Even if your first child is still in the womb, it’s a good idea to start the process now. You’ll never know what Ivy League school they will be accepted to until the letter comes. So plan big.

Apply for your loan today and invest in the future of your family. Your kids will thank you.

Your Children's Future

Alpine Mortgage is now accepting submissions for its Home Renovation Contest. In or outside, we want to see your handiwork. From the bathroom to the back deck, this is your chance to show off.

If successful, your family will receive a cheque for $200. You will also have your pictures and story posted on our blog.

Our judges will grade each submission on the overall visible handiwork, financial improvement to your home and material creativity; your unique use of building supplies.

If possible, send us before and after shots. Include a brief write up detailing the work you did and your method of finance. Bonus marks go to applicants whose neighbours can vouch for their superior handiwork. (Ask Bob and Nancy from across the street to comment on your submission.) Bonus-bonus marks if you can include your witness and your own family in the photo.

You have till the end of the month to get your home reno photos posted to our Facebook wall. We will announce the winners on our blog in the first week of March.

Good luck!

Show Off Your Handiwork

You lost your job when the plant that supported your town shut down.

You took an extended vacation and forgot to mange some of your larger bill payments.

You just finalized an ugly divorce settlement and your lawyers have bled you dry.

Your home renovations ended up costing far more than you thought.

You had a serious shopping problem, but with the help of a counselor, you are finally able to withstand the gravitational pull of Robson Street.

You thought Y2K was far more serious and eleven years later, you are still behind on your backyard bunker payments.

Bernard Maddoff was your investment broker.

Whatever the reason for your poor credit rating, Alpine Credits can lend you money to pay off your debts and start from scratch. With a home equity loan, your credit approval is based on your ability to repay your own mortgage. If you have been successful in maintaining your payments, Alpine Credits will let you borrow against the amount you have already paid into your first mortgage. Visit our website for all the details.

Get back on track, with a home equity loan from Alpine Credits. Leave Bernie’s advice behind.

A Face You Can Trust

The Financial Post is reporting a renewed confidence in Canadian business leaders. With increased factory production, speculation is that more capital will be spent on in improving production through machinery upgrades. More than half of the leaders polled for a survey on Canada’s financial outlook, believed that Canada’s economy would only continue to strengthen in the New Year.

Frozen Economy Begins To Thaw

This is great news for both small business owners and large companies, many of who barely survived the latest recession. With the anticipated renewal of business operations, Canadians can return their focus to strengthening their own projects through expansion and personal investment.

To accomplish these tasks, Canadians will need to look to new sources for affordable loans. The best option and sometimes the only option is a home equity loan. This form of credit uses your existing mortgage as insurance for repayment of your home equity loan.

Alpine Credits is the leading lender of home equity loans in Western Canada. We are excited about the prospect of helping you improve your business. Contact us today about processing a home equity loan.

It’s Sunday morning and you’ve taken the kids, along with Molly, to the park. Molly, the golden retriever you picked up at the SPCA three years ago is playing fetch with one of your boys. Unfortunately, Robbie doesn’t know his own strength. His third toss goes long and ends up bouncing into the street. Three bounces and a piercing tire screech later, the families beloved friend is lying wounded in the middle of Third Avenue.

You drive to the vet with two teary-eyed pre-teens and a balling seven year-old. The diagnosis is troubling to say the least. It looks like they will have to operate immediately. The Vet hands you a rough estimate of the costs. You ask politely if she has made a mistake or added an extra zero.

Debating the options, you walk back to the waiting room. Your three children are sobbing quietly. They look up simultaneously.

What can you do? The decision is written on their faces.

When life’s unfortunate accidents require you to come up with immediate capital, contact Alpine Credits for a home equity loan.

Down, But Not Out.

Want a shocking statistic?

By 2:30 on Monday morning some of the top CEOs in the country had made more money than the average Canadian will make in a year. Fact!

Think about that. You hadn’t even finished your first day back at the job and already these chief executives had grossed more than your yearly salary. Chances are they probably skipped lunch and worked Christmas and New Years, but at the end of the day, their earnings are more than 155 times what the average Canadian pulls in.

What are they doing that you’re not? We can guarantee they are not doing more physically demanding work. They are just being smarter with the time and resources at their command.

The top five CEOs were:

1. Aaron Regent – Barrick Gold Corp

2. Hunter Harrison – Canadian National Railway Co. (bit of a surprise there…)

3. Gerald Schwartz – Onex Corp.

4. Edmund Clark – Toronto Dominion Bank

5. Nadir Mohamed -Rogers Communications Inc.

But who is to say you don’t belong in that top tier. Are you lacking the education? Do you need start-up resources? Is it all who you know?

Interesting questions. The latter we can’t help you with but the two former points can be attained through a second mortgage. By using you home as equity, you can acquire the resources you need to educate yourself and fund your own private empire. Impress the right people and one of these top jobs could be yours.

Golden Boy; Aaron Regent (Center)

These scary statistics were provided by the Canadian Centre for Policy Alternatives.

Stress is the unseen force endlessly tugging at our lives. It ruins our free time, distracts us from our work and threatens our relationships. It encourages us to indulge in stimulants and decreases our appreciation of the ‘natural.’ It is the anchor, the ball and chain, the cage that imprisons us.

But we pander to it. We fuel it by over spending and overreaching our means. When we buy on credit, the countdown starts until the bill arrives. Even if the money is there to pay it, we still feel the cold sensation of increased debt when we read the tally at the bottom of our invoice.

What if you could pay off all your creditors at once? Imagine that feeling. The release.

Well that is exactly what you can do when you apply for a second mortgage. With your house as home equity, Alpine Mortgage will lend you the funds needed to pay off your many creditors.

The result: one bill. Not seven different pieces of mail each month. That may seem like a small detail, but it is not. With one figure to monitor, your stress will be seriously reduced. We guarantee it.

Talk to us today about applying for a second mortgage and feel the weight float away.

Pay Them Off and Feel the Weight Lift

The results of a poll, conducted for Postmedia News and Global TV, indicated that 32 per cent of Canadians thought that the BP oil disaster was the number one news story of 2010. Second on the list was the earthquake in Haiti, with 20 per cent.

These two events were linked in their devastation of both natural and constructed environments. They spoke to the inability of science to predict or maintain the terrible consequences of a disaster on a mammoth scale.

The Gulf spill lasted for 154 days and the clean up is far from over.

In Haiti too, the relief efforts are still continuing.

If we look from these disasters to our own lives, it seems that some of our personal problems are not always as devastating as we paint them. This is a wake-up call. While our personal problems may not go away on their own, they certainly don’t compare to an unchecked oil spill.

Sometimes a simple loan can get us out from our rock.

Paying off our creditors can be easy with a second mortgage. Alpine credits can help you by using your home as equity.

Don’t let your finances consume your thoughts. Save your emotions for the events that deserve them. Like the third story on the list, a story of hope, resilience and human ingenuity: The Chilean Miners.

Things Are Looking Up

This week, Calgary mourns the death of one of the city’s great mayors, John Leslie. Leslie served as mayor from 1965 to 1969. He died on Monday at the age of 90.

Although Leslie was only in the mayor office for four years, his decisions still affect us today.

Leslie will be remembered most for his determination to keep development away from the Bow River, in Calgary’s downtown core. The mayor believed that the city needed green spaces inside its boundaries, to offer Calgarians areas of natural refuge. He was adamant that over development would lead to a weaker urban economy.

Leslie oversaw the establishment of Prince Island, Nose Hill and Confederation Park. He had a vision of what Calgary could look like with protected environments. His legislation ensured this vision would become reality.

Calgarians owe their daily walks to this man. Without him, your dog walking escapades would take you through mini-mall after mini-mall. Because of him, you can enjoy endless trails along the Bow.

Alpine Mortgage would like to thank John Leslie for his commitment to a greener Calgary. We would also like to extend our thoughts and prayers to Leslie’s family and friends.

John Leslie 1920-2010

Bailouts: Massive cheques written to large corporations who struggled during the recession.

General Motors was kept afloat by money from the American and Canadian governments. But didn’t we suffer during the recession? Thousands of us lost our savings as investment stocks plummeted.

The argument: GM supports whole communities with their manufacturing plants. Cities like Oshawa would become a ghost town without GM. They needed the money to keep those communities alive.

The Rebuttal: What about the families that are supported by one wage earner? Don’t they deserve the same protection offered to the corporations? Don’t they deserve to be looked after?

It seems we don’t.

So what do we do?

Well, if you made it through the recession with a home, your options are looking up. A second mortgage is a great way to get back on your feet and invest in your future. By using your home as equity, a second mortgage can provide you with the funds to rebuild, physically and metaphorically. Improve the worth of your house, invest in a new business, put your daughter through college; these are all viable options for improvement.

The government is not going to give you a bailout like it did GM. You’re going to have to hustle for it. Start with a second mortgage and get back in the game.

The GM Plant in Oshawa, Ontario

Why might you need to apply for a second mortgage?

It’s not that enjoyable to think about, but there are those few rare occasions where an unexpected emergency requires you to come up with a large amount of money in a quick amount of time.

Here are a few examples of what we are referring to:

1. Medical Emergency

Your daughter neglected to purchase travel insurance for her weekend trip to Vegas. She called to tell you she had fallen down a set of stairs while trying to balance on her two-inch heels. Her left leg needs serious work.

2. Your roof has sprung a leak

It’s a week before Christmas, the relatives are coming and there are three strategically placed buckets in the living room collecting rainwater.

3. Your mother passes away

It’s horrible to even consider, but funerals are a costly business.

4. Your cat got in a fight with a raccoon.

All jokes aside, vet bills can be ludicrously large.

5. You work truck packs it in.

Your Chevy, of ten years, finally gives up on the Upper Levels Highway. There is no getting around it. You’ll need a new truck.

Even Chevys Pack It In

If a situation similar to these arises in your own life, call Alpine Mortgage first. Fill out the online application and be approved for a second mortgage in less than a week.

Emergency Cash Continued…

And then there are those other times, the times when you would gladly spend the money if you only had it.

Here are a few examples:

1. Your son is invited to attend a youth conference in Italy

After winning a citywide contest on Green Initiatives, your sixteen year old is offered a chance to take part in a global Eco-Leadership convention. It’s the opportunity of a lifetime. Unfortunately, neither the school nor the contest is able to pay for his flight there and back.

2. You receive a letter from a distant family member in India.

It has been two generations since your family immigrated. They are planning a reunion of the Banerjee family. You’ve never visited your ancestral homeland.

3. Your partner at the firm is relinquishing his season tickets. The Flames are low this year, but they’re bound to turn it around.

4. Your brother asks you to come in on a local company that he has been investing in for years. They plan to launch their product at the end of January. Their technology will change alarm technology the world over.

5. Your wife decides it’s time to redo the kitchen.

She Went With Red

Spend money when YOU think it needs to be spent. Secure capital with a second mortgage through Alpine Mortgage.

We’ve talked about it before, but we think it’s worth a second look. And this time we’re not sugarcoating it.

Avoid The Trap

Credit card interest is out of control. If you are paying interest on more than one card, it would be to your best benefit to apply for a second mortgage. With the help of Alpine Mortgage, you can pay off all your creditors in one shot and start fresh. You will make one easy payment each month. You won’t have to worry about being penalized for missing a payment on a random card you forgot about. Best of all, your interest rate will be considerably lower.

It will also be easier to track your funds. With one payment to make, you will know exactly what will be coming out of your account. It will also be easier to budget and plan for the future.

There will be no more “Important: Open Now” letters coming through the mail slot. Your stress will go down and you will renew your partner’s financial confidence in your ability to manage your funds.

You will also begin a slow but necessary ascent towards a positive credit rating.

So start your climb towards financial integrity.

Apply for a second mortgage.

What does the world owe you… Nothing!

You were born into a society that swaddled you, wiped your backside and taught you the basics for free.

Don’t turn to the man now and ask for a handout. There are no free meals, no one is going to hold your hand for the rest of your life and you probably won’t drive a $70,000 dollar sports car.

But you do own a house that you make payments on every month. (If you’re looking for a cookie, try searching between the seats of your family sedan.)

That payment represents equity that you can borrow against. It’s money the banks are using to get richer. Claim it back. Build on it.

It takes money to make money. Procure all the funds you can and make smart investments.

This isn’t Sweden. If it were, we would all be prancing around a pole, drinking schnapps, while singing the praises of socialism.

Oh Sweden...

Wake up and smell the burning meatballs.

Put your money to work for YOU, not the banks.

Take out a second mortgage through Alpine Mortgage and receive capital back based on the rising value of your property.

Embrace capitalism. Build your empire. Start today.

The truth about the human race: We’re all scared.

We’re scared of killer bees.

We’re scared of running with scissors.

We’re scared of cats of a certain colour.

We’re scared of our government knowing too much.

We’re scared that a small dictator that can barely keep his own country together will give the command to nuke the Western World. (Ok, that is very real and scary)

We’re scared of failure, rejection, abandonment and over gratification.

We’re scared of exiting Word when it asks if we want to save any changes to our ten-page technical report that we didn’t make any changes to.

We’re scared of commitment.

We’re scared of God.

We’re scared of clowns. CLOWNS! The one profession whose sole purpose is to make us laugh.

But the thing that scares us most is dying poor and penniless. Why do you think The Wealthy Barber, Rich Dad / Poor Dad and 9 Steps To Financial Freedom are so popular? People need to feel secure that when they reach a certain age, they can leave their jobs and live a comfortable life.

Setup your retirement by investing right now. Find the money you need to begin this process by applying for a second mortgage.

Let Alpine Credits and put your fears behind you.

Saving money is one of the hardest things you will ever have to do. (Some might say it’s harder than quitting smoking.) You have to ignore the temptation to spend your hard earned pay on goods and services that can give you instant satisfaction.

That’s tough, because with this weather, a Hawaiian vacation sure would be a refreshing change.

But we’re taught to save and save.

‘Save for a rainy day,’ ‘a penny saved is a penny earned,’ ’saving money is just as important as earning money,’ are all phrases that get repeated over and over again until our subconscious instantly recalls them each time we receive a cheque.

This Just In: "It's Raining."

When we do spend our money on ourselves, the guilt hits us immediately.

We’re trapped and in the end, most of us lead guilty lives where we spend most of what we earn.

Our savings grow. But slowly. Very slowly….

What if you were told that you had a large stash of money put aside already? What if we told you this money could be used for any purpose you wish. You could invest it, spend it on yourself or spend it on your family. Would that make you feel guilty?

By paying your mortgage off each month, you’ve created your own savings account. You’ve invested in the potential sale of your home.

If you are happy where you live, but need to dip into that savings account, fill out an application on the Alpine Mortgage website. You could easily have $10,000 in your pocket by next Monday.

Saving is hard, but you’ve been doing it for years.

Talk to Alpine Mortgage about making a withdrawal.

You bought your house in 1995 for just under $200, 000.

Three kids and 184 mortgage payments later, you are less than five years from owning it outright.

You still love the area, the design and the neighbours around you.

That’s rare, but what it means, is that you have no intention of selling.

Your house that you paid $200,000 for is now worth $800,000 – a pretty impressive investment. But since you don’t want to move, you can’t take advantage of its potential.

Wrong. You can.

Alpine Mortgage can lend you money using the home equity you created by paying 3/4’s of your original mortgage plan.

You can take that money, invest it, and have it working for you by the end of the year.

Fill out the application on line to see the maximum amount of capital we can lend you. It only takes a few minutes of your time.

So don’t sit around idly and let the banks play with your investment. Make your home work for YOU.

Apply for a second mortgage today and plan for an early retirement.

You're Not Made of Money, But Your House Is

They bought you your first bike and taught you how to ride it. They paid for your University education and were there at your graduation. They co-signed your mortgage and saw the birth of your first child.

Now, your parents have come to you for help.

At 85 and 81, your Father and Mother have decided to move into a care facility. Your Father’s mind is ticking along fine, but sadly, your Mother is experiencing bouts of dementia and the stress is wearing on them both.

For months they have been researching facilities and they have finally decided on Chateau Renoir, in Southwest Calgary.

The facility provides three meals a day, housekeeping staff, transportation, full kitchenettes and a diverse schedule of programmed activities.

It looks amazing…for a retirement home.

But your Father has finally admitted that the family wealth is all but gone. After some poor investments, your parents are close to bankruptcy. They would like to live out there remaining years comfortably and to do this they came to you.

With little funds available at your reach, you talked to the banks about a loan. Unfortunately they turned down your request.

Then you approached Alpine Mortgage. The Alberta lending company specializes in home equity loans. They examined your mortgage details and concluded that you were entitled to a loan of more than $75,000.

That money along with your brothers, will take your parents through the first few years.

It’s the least you could do to pay back the two people that have helped you through almost every obstacle you ever faced.

“Thanks Mom and Dad.”

Everyone has a dream. A dream that captivates their waking moments and haunts their subconscious hours asleep. A dream that always seems just beyond natural reach. A dream, so vivid, that it has crystallized in your mind.

That dream, your dream, is creating the Xandu of light displays.

Some have called it foolish, others have said it could never be done, but something inside you says it can. The only thing holding you back, capital.

The amount of lights needed to create your magnum opus: 14,255. That’s how well you’ve planned it out.

You know the colours, the wrapping, the chicken wire moulds, the plastic reindeer manufacturer in New Jersey, the external generator, you have all the figures but none of the funds.

Last year you approached the bank about a loan. After avoiding the question for more than ten minutes, you finally told them the money was for a light display. As you walked away rejected, you could see the financial analyst laughing with the bank manager.

Screw them. It’s your dream. It’s your work of illuminated art.

But a dream left unfulfilled is just a dream.

Time to make it a reality.

Apply for a second mortgage through Alpine Mortgage and ensure your immortality as the ‘King of Christmas.’

We have your back, now reach for the stars and nail them to the roof.

Good luck.

You'll Need A Little Extra Cash For The Electric Bill

You’d been hearing it from all sides. Your friends wouldn’t shut up about it, your girlfriend’s parent’s persistence was relentless and your boss thought it was a good idea for your future as a key player in the company.

Talk about pressure!

But this last weekend, when your car got stuck in the snow, she came to your rescue and something changed.

It was one in the morning. You had been at your brother’s house playing poker. On your way home you got stuck fifteen blocks from your front door. You called her to tell her you’d be late and that you were calling a tow truck. Half asleep, she told you not to bother; she’d be there in 10 minutes with her truck.

Fifteen minutes later she showed up, still in her pajamas, with a parka overtop, carrying a thermos of hot chocolate and a tow chain.

If that isn’t love, I don’t know what is.

As you attached the hook to your front bumper and gave her the thumbs up to reverse, you realized… this is the one.

When you got back that night, she was having trouble getting her boots off. You offered to help. You got down on one knee, pulled the boot off, looked up and said the words you never thought would leave your mouth.

Barefoot, but still bundled, she replied ‘yes’.

With no money in your savings, you approached the bank for a small loan. You explained that it was for something glittery. They hesitated, then responded ‘no’.

After three other financial institutions, you approached Alpine Mortgage. The next day you were approved for a $10,000 dollar loan.

A week later, when you went over for Sunday night dinner at her parents, she was wearing the ring.

One Ring To Rule Them All...

Let’s spend a few minutes and talk about your debt situation.

I want you to pull out all your credit statements from your drawer. Spread them out on the kitchen table. A mosaic of debt.

Now, I want you to grab a calculator, a pen and a pad of paper. Got it?

Alright.

Now start with your Visa statement. On the pad, write the amount of interest you paid last month. Then go through all the other bills and do the same. Include your phone bill, cause lets be honest, that hasn’t been at zero for months. And don’t forget your car payment.

Finished?

Now add it up?

Mosaic of Debt

Take a look at that number. Ridiculous. That is money, paid to a third party, which you will never see again. That money is not paying off your principal. It is not enriching your life in anyway. It is going straight to the pockets of your creditors.

Want to rid yourself of that tally? Of course you do.

Good thing you’ve been so diligent with your mortgage payments.

Alpine Mortgage will grant you a second mortgage to pay off all your creditors in one fell swoop. You could rid yourself of that entire interest column. Gone!

Apply online today.

Do it now!

This is the year. The year you finally learn how to snowboard.

You have been talking about it for ages with yours friends. They all took up the sport about five years ago. After seeing their photos on Facebook, from last season, you knew you had to give it a shot.

It doesn’t make sense to live so close to the Rockies and not take advantage of the beautiful mountains.

For the first time in years, you will have the weekends fully available for extracurricular activities. Your small business is finally starting to turn a profit and your staff is now capable of handling the weekend orders on their own.

There is no excuse.

Sunshine Ski Resort

So you looked into the costs and made a small budget:

Sunshine Village Season’s Pass – $357

Fuel to and from the hill – $200 (roughly)

Burton Snowboard – $599

Union Bindings – $249

Foursquare Jacket – $229

WestBeach Pants – $200

Gloves – $68

Goggles – $95

Total: 1,997

Ouch. That amount of money is not really available to you.

So, you thought about applying for a loan, but remembered the small credit issue you had a few years back. So you went in a different direction.

You talked to Alpine Mortgage about taking out a second mortgage on your home.

Because you had built up equity, in your monthly payments, Alpine Credits lent you $10,000 almost instantly.

You decided to spend five on the snowboard season and five on your business.

Now your business is running smoother and your weekends are booked till April.

See you on the slopes!

'The' Canadian Poet - Leonard Cohen

Like a comet that only comes around every few decades, Leonard Cohen is returning to Vancouver for a one-night performance. The show is set to take place next Thursday, at the Rogers Arena, formerly GM Place.

Cohen was here in April of 2009, promoting his live in London CD But before the tour got going in 2008, Cohen, now seventy-six years old, had not toured for fifteen years. The quintessential Canadian poet, had chosen a life of semiretirement, in a Buddhist monastery, situated in California.

With only a handful of shows left and a cancellation in Honolulu, Cohen added two more dates – one in Vancouver and one in Oakland California.

This may be it folks. The fedora may find its place on the shelf alongside the poetry books that we will forever reference and flip though.

Our advice: buy a ticket online, book a flight to Vancouver and find some relatively cheap accommodation.

Don’t have the money? Call us. You can use your home as equity and apply for a second mortgage.

Trust us. We went to the last show and it changed our lives.

The most humble, gracious, talented man that ever called himself a Canadian.

Now dance me to the end of love…

Three years ago you bought a new/old home in the Garneau neigbourhood. It’s a beautiful bungalow that you hope to refurbish and sell in the next five years.

Since you moved in, you’ve spent all your money on kitchen and bathroom renovations. You’ve worked weekends, nights and holidays to do the work yourself and the fruits of your labour are finally starting to show.

But it has also been three cold winters and your heating bills have been ridiculous. Now with winter officially here, you are regretting the fact you didn’t spend your money on replacing the existing windows with thermal glass

Thermal Glass Windows

It’s not too late.

Get the work done now by trained professionals and feel the difference the very next day.

If money is a concern, there are ways to finance your new project. Alpine Mortgage can lend you the money immediately.

The amount it will cost you for a simple second mortgage payment will be easily made up by the money you save in energy bills. You will also be eligible for a federal green initiative tax credit if you install the windows by December 31^st of this year.

It’s a no-brainer. Get the work done now. Save in the years ahead.

Apply for a second mortgage with Alpine Credits.

Tell us how this sounds: An all-inclusive trip to Jamaica.

Leave the snow and below zero temperatures behind. Pack light: a pair of board shorts, flip flops, a tank top and your liver.

With four pools, six restaurants and another six bars, Breezes Trelawny is a paradise resort like none other.

Lounge on the beach, shop at the local markets and take in some of the local culture.

Stay active with the many watersports offered and try your reach at the rock climbing wall.

The resort even has a simulated ice-skating rink to erase any thoughts of homesickness.

Island Breeze

Now the price…

Through Expedia.ca it is $2085 for seven nights accommodation and airfare from Edmonton.

We sure you will be bringing your significant other, so that brings the total up to $4,170. You will probably need to bring a little bit of shopping money as well. And maybe a little change for the golf course.

So let’s go with the round number of $5,000. $5,000 for a ticket to paradise.

Short on funds? Own a home?

Alpine Mortgage would be happy to fund your travel plans.

Visit us online to fill out a quick hassle-free application.

Make sure to email us a beach photo when you get back. Jealous….

After ten years of marriage, and another eight being single, you finally met the man you should have married years ago.

Now in your 40s, you are looking to tie the knot a second time; this one won’t be a slipknot.

Since your first nuptial ceremony was a quick visit to the justice of peace, you’ve decided to go all out for your second wedding.

With a date booked at the Douglasdale, Eaglequest Golf Club, you and your beaux have planned for a guest list of 120 friends and family members.

Round Two

But the bills are starting to arrive and you’re worried you can’t afford the lavish celebration you have planned.

Fear not.

With a second mortgage from Alpine Credits, you can afford to host the party of your dreams. If you own a home, Alpine Credits can lend you $10,000 almost instantly. You will have an easily affordable payment of $98 a month, about as much as your cable bill.

Get it right the second time around. Let Alpine Credits help you fund a day you will always remember.

Every professional sports team has a minor league farm team. The Oilers’ have the ever-transient Oklahoma City Barons.

By definition, a farm team is a place where young talent can develop and mature. The players take part in an active league to gain time playing in a professional environment at a pace and skill level close to the level experienced in the majors.

For the Oilers, the Oklahoma affiliate serves as a reserve of players that can be called up for active duty in the case of injury.

The Barons are a necessary tool for improving and maintaining the Oilers competitive edge.

Farm Aid

In your personal life, your home is like your farm team. You have been investing in your future for years now by putting money towards your mortgage.

That money represents equity that you can borrow against. Alpine Credits will lend you funds based on the amount of money you have diligently paid.

This exchange is called a second mortgage.

If you think this is your year to make a deep run in the playoffs, use your home to improve your chance of success.

Talk to Alpine Credits about applying for a second mortgage.

Your Calgary business needs a facelift to stay competitive.  You’ve looked into a re-branding package by a Vancouver advertising firm. They have promised to provide your company with a complete makeover, the kind that can take a six and change it into a ten. The kind that can make Plain Jane look like Jessica Alba.

Exhibit A: Apple Computers

With a new website, logo, slogan and radio jingle, your company will be on the minds of your clients and the radar of the public eye. With more attention on the Internet and in the media, you will finally be able to compete with the larger companies around the city.

You approached the bank to apply for a loan to fund the project, but were denied due to your less than stellar credit rating.

Don’t be discouraged. If you own a home, Alpine Mortgage can set you up with a second mortgage to borrow against the money you have already paid into your first investment. Don’t let the banks dictate the future of your business.

Alpine Mortgage wants to see your company rise to the occasion.

Start fresh, re-brand and come out swinging.

If you live in Calgary, Alberta and you are interested in a home equity loan, or second mortgage – think Alpine Mortgage.

The friendly consultants can help guide you through the process, and if you live in Calgary, Edmonton or even Ponoka, Alberta they can help you with the home equity loan process even from the comfort of your home.

Well, maybe not Ponoka, but they are available any time of day to guide you through the home equity loan in Calgary process.

Here are four reasons to get a home equity loan if you live in Calgary, Alberta.

1. You may want to renovate your home. Maybe the kids have left home, and you have not only extra time, but an extra bedroom that would make a great guest room. All you bathroom downstairs.
2. Having four credit cards can be a huge pain. Sure it’s great when you want to get that new pair of black boots but when the bills roll in, you feel knocked off your feet. Take all that high interest debt and clean it up with one easy payment. Home equity loans are great for this.
3. They say you can never get rich working for someone else. And they’re right. To truly reach for the stars, you need to strike out on your own. If you live in Calgary, there’s never been a better time to do this. Let your house give you a head start with business capital.
4. Vacation. Who doesn’t need one? If you’ve been hunched over a computer screen for the last couple of years – you deserve a trip to Hawaii. You don’t need to win the lottery or stop eating meat just to go. With a little loan from your home, you could be on a plane as early as next week.

There were 32 homicides in 2008 in Calgary.

This is an all time high. Eight of these were connected to gangs. This is similar to Vancouver’s spat of violence last year.

But why the big drop now?

Could it have to do with the recession?

Could it be that people are more comfortable now, and there are less money issues?

Maybe if gangsters spent more time renovating their clubhouse and investing in their bikes, there would be less violence.

Perhaps they just needed a home equity loan, and didn’t know where to get one.

Hockey fans around the country uttered the same phrase last July when Darryl Sutter announced he had resigned Olli Jokinen: “Why….?”

It was a bit of a mystery.

Sutter had traded Jokinen to the Rangers halfway through the 09/10 season for Chris Higgins and Ales Kotalik. It seemed like the Finn was being thrown away for table scraps.

Then, with an about face, Sutter shocked everyone this summer. On the first day of free agency, he resigned Ollie for two years at six million.

It’s too early to tell if the gamble will pay off, but Jokinen has already logged three assists in eight games. Hopefully the goals will come soon.

Darryl Sutter - Calgary Flames General Manager

Sutter’s move, though it may have seemed puzzling at first, may still prove to be a wise one.

Whatever the case, the dice roll needed a financial window and fortunately, Sutter had left room under the cap for just such a deal.

If you think you have what it takes to gamble on the future, but are lacking the supporting resources, Alpine Mortgage can help.

If you currently own your home, Alpine Mortgage can lend you money based on the capital you have already put towards paying your mortgage off.

We don’t need to know the details of your blockbuster trade, we just need to know the financial worth of your team.

Call us today and start building your own cup contender.

What causes someone to get a life-sized tattoo of Judge Judy on his thigh, emblazoned with ‘Only Judy can Judge Me’? I could ask the same thing of someone who has a credit score below 500. What caused that person to get such a bad credit rating? Was it overspending and not paying the bills? Did he default on his debt?

As awful as the Judy tattoo may be, having a bad credit score is worse. You’d be hard-pressed to get a loan from the bank, a new cell-phone contract, or even an approval for car financing. While those who are inked-in-regret have a bevy of tattoo removal services to choose from, those who are deep-in-debt have few options. Although there isn’t a magical tool that can magically blast away your bad credit rating, there’s the option of a home equity loan – one that could entitle you to tens of thousands of dollars. With that money, you could pay off your bills, consolidate your debt, and be on your way to financial freedom. After all, good judgment goes a long way, even if you decided to keep the hideous tattoo.

enough said.

Gone are the good ol’ days when the money was flowing and the jobs were aplenty. When the houses were selling like hotcakes and businesses were booming. When people were spending and the kids were playing.

Ok fine, so the kids are still playing…but the adults sure aren’t. The recession is still in full swing, and it doesn’t look like it’s going to let up anytime soon. As a result you’ve had to cut back on all the luxuries in life, like much-needed vacations, new cars (more of a necessity, considering your ’98 Camry), fancy dinners, and retail therapy.

In more serious cases, you’ve had to put your new business on hold, forgo home renovations, or even default on your debt.

At Alpine Mortgage, we don’t think it’s fair that you should have to give up so much, especially if you still own your home! After all, years of diligently paying your mortgage should count for something. So give us a call, get a home equity loan, and play a little, already. You deserve it.

As hard as you try to save money, life happens. It could be your car breaking down, a busted pipe in your home, or maybe an emergency visit to the dentist’s office. Whatever it is, you find yourself in a situation where you need money, and you need it fast.
You think back to elementary school, where you learned about emergency preparedness with those earthquake survival packs; then high school when you’d always have an extra stick of deodorant in your locker, just in case; and then your college days when you’d have an emergency stash of snacks for those all-nighters before exams.

But what about now? Unfortunately, an emergency cash fund is easier said than done. With all the debt and bills you’re constantly trying to pay off, it’s pretty difficult for you to save up. Sure you own a home, but if you have bad credit, the banks won’t go near you, no matter how desperate you are. Enter Alpine Mortgage. We don’t care if you have a less-than-perfect credit score, or if you don’t have credit at all. And we don’t care if you’re old, or young, or if you’re unemployed. We do care, however, about getting you the cash you need, when you need it. So give us a call, and get home equity loans today.

We all work hard. And if you didn’t before, the economic meltdown surely has you working your butt off just to avoid that dreaded pink slip. But more than that, we all want to live the good life – one in which we can drive the fast car, dine in fancy restaurants, and jet set to the exotic destinations. So if you put in that extra hour at work, you want to be one step closer to that life.

But back to the recession. Nowadays, being the first to leave work is frowned upon, and working weekends has become the norm. The Blackberry you’re reading this on? Your work’s admission pass into every aspect of your life.

At Alpine Mortgage, we’re all for working hard to get what you want. But sometimes, when it comes to things you need like, say, a loan to pay off debt, or to renovate your house that’s on the market, or to pay for your family’s vehicle, you need money and you need it fast. When it comes down to that, we’re more than happy to help you, even if banks won’t because of your bad credit. After all, as long as you own your home, we’ll give you a loan.

Who doesn’t enjoy a nice cocktail every now and then? And when it comes to that time, when everything seems to be piled up and you’re up to your neck in debt stress, that drink had better be a strong one.

So we’re happy to see that Calgary is trying to carve out a spot for itself in Canada’s cocktail landscape. Although cocktail-centric cities like Toronto and Montreal are better known for their roster of mixology experts, Calgary’s annual Cocktail Challenge boasts a panel of competitors who are giving their fellow Canadian mixologists a run for their money.

And congrats to Charcut’s Christina Ma for taking home top prize for the 2^nd year in a row for her libations that were as inventive as they were technical, using methods and tools borrowed from the kitchen of the restaurant where she works.

Since you bought your house years ago, you’ve been able to avoid the mortgage debt that new homeowners have acquired in the past couple of years. And although these young families have helped Canada curb off the severity of the economic downturn, their mortgage debt will have a marked effect on consumer spending.

As a seasoned homeowner, and one that has paid off your mortgage, there’s no better time than now to do your part in stimulating the economy. And there’s no better way to do so than to spend! If a home equity loan is what you need to put a little extra cash in your pocket, give us a call. Unlike banks, that will not hesitate to reject you for obscure reasons, we will give you a home equity loan so long as you own your home. Not only that, one simple form is all it takes.

Why? Because you’ve got bills to pay – your car, your credit cards, your home, and utilities all cost a pretty penny – even for those of us living at the bare minimum. As we continue to feel the after effects of the recent global economic meltdown, money is even tighter than usual. And downsizing expectations and lifestyles is a necessary struggle that many of us face.

But if you own your home, you’ve got other options. Not only would you be able to pay off your bills and consolidate your debt, you could also take that much-deserved vacation, splurge on a new car, or remodel your kitchen to be worthy of Iron Chef. How? By getting a home equity loan. A home equity loan lets you tap into the value of your home, potentially entitling you to hundreds of thousands of dollars. Give us a call or fill out this simple form we’ll send you on your way to financial freedom.

You have already been to the bank. You’ve been to many of them, actually, you’ve met with many different employees, and you’ve analyzed a huge variety of loan options and policies. But for some reason, despite the fact that you own a home, the only answer you were able to elicit out of them was a big, fat ‘NO’.

And you have even thought about getting a payday loan, and maybe even opening up a new credit card account. But with exorbitant interest rates at upwards of 20%, it just didn’t seem to make sense. And with your low credit score, the credit card rates weren’t much better.

We’ve got good news. What you may not know is that owning a home automatically entitles you to hundreds of thousands of dollars. How? Well, remember all those mortgage payments you made over the years? All those mortgage payments accumulated equity for your home, a large sum of money that you can have access to when you get a home equity loan. So give us a call or fill out a simple form and we’ll guide you through the entire process. And start saying NO to ‘NO’.

It’s been a while now since the kids have moved out of the house, and it’s definitely showing the signs of years of wear and tear. There’s the quarter-sized hole in your foyer from the time when Johnny tripped and put the handle of his golf club through your wall; there’s the yellow scrapes on Anna’s walls from when she was going through her interior-design phase; and the spaghetti sauce stain on your kitchen ceiling from Johnny’s cooking experiments.

Alas, you’ve finally reclaimed your house, the one that you’ve worked all these years to pay for. The next step is to revamp it so you can have someplace you can be proud to call not just your home, but your lair.

So go ahead. Redo the entire kitchen, repaint and plaster those walls. And if the bank won’t lend you money to do in your reclamation process, give us a call. We won’t discriminate against you because of your age, and we don’t care what your credit score is. As long as you own your home, you’ve got a home equity loan.

It’s a never-ending list – credit cards, car, electricity, gas, cable, telephone, internet, student loans, etc… With all the bills we have to pay, it’s easy to fall into a financial rut, and even more so if you let the late fees pile up along with them.

The good news is that one of these bills, most notably your mortgage bill, which you’ve paid so diligently over the years, is more of an investment than anything else. An investment that you can tap into today by getting a home equity loan that potentially entitles you to hundreds of thousands of dollars.

A home equity loan can help you consolidate your debt, and pay off your bills. It can even afford you a nice long vacation or a makeover for your home. Or maybe you can start up your own business and be your own boss, like you’ve always dreamed of.

Whatever it is you need money for, our motto is simple. Heck, it even rhymes. Own a home? Get a loan.

we open doors

When the real estate market booms, it’s good sense to put your house on the market and cash in on the seller’s market and the high value of your home. But when the market plummets, the thought of selling your house is enough to make you want to pull your hair out, especially if you’re in a financial rut.

At Alpine Mortgage, we understand how it feels to be subjected to the whims of a volatile real estate market. And we want to make sure that when you’re hard up for money, you won’t be pressured to sell your home in a down market. So when you find yourself struggling to pay the bills and to manage your debt, consider getting a home equity loan. After all, you’ve spent years paying your mortgage and building up your home’s equity. It’s only fair that you should get to tap into it – whether it be for that much-needed vacation, renovating your home, or just consolidating your debt.

At 11 pm last week, Twitter shut down for some “scheduled maintenance”, to the alarm of some 100 million tweeters who were anxious to update their social media networks. Among these anxious tweeters was yours truly. Faced with an annoying page featuring a puzzling montage between a cartoon caterpillar and an ice-cream cone did nothing to calm my twittery nerves. And the puzzling word-bubbles coming from said ice-cream cone only added to my unease. Needless to say, I fell into a restless sleep that night, mindlessly mumbling the witty 140 allotted characters I had come up with until I dozed off.

Looking back on this incident today, I realize how attached to Twitter I’ve become over the past year. Already a Facebook and blogging devotee, I am now a full-blown social media addict. With my trusty new sidekick (read: iPhone 4) in hand, it seems like there’s nothing in my life that is privy to…well, me!

So here goes. My name is Alpine Mortgage, and I am a social media fanatic.

In this day and age, the credit card is as common, if not more so, than cash. There’s something about charging purchases on plastic that is so easy, so quick, so guilt-free. Perhaps it can be explained by a simple visceral reaction. Spend cash and your wallet gets thinner, swipe your card and it’s immediately returned to its special slot in your wallet. The problem is, we’re training an entire generation of swipe-happy spenders who are very likely to end up in credit card debt. Add that to the daily assaults from credit card companies to sign up for new cards and we’re looking at a nation in serious debt. So here’s the challenge that we propose on this not-particularly-special Wednesday. Go get your wallet. Extract one of your many credit cards. The one with the highest credit limit if you’re feeling particularly bold. Take a pair of sharp scissors and cut the card in half. Voila, one step closer to financial freedom.

Or you could just get a home equity loan.

Calgary has just made the it-list! Not for most beautiful city to live in, or for best wildlife reserves, or even for best shopping.  We just took the prize home for most expensive Canadian city to park in. We’ve even trumped the North American list too, with lower Manhattan being the only city with higher rates. I guess it goes to show that our real estate market is booming – even parking’s pricey!

what a pain

Le Bron’s not the only one who has had to make hard decisions. Every day we’re faced with persistent suitors looking to sign us up for cell phone plans, credit cards, gym memberships, reward programs, discount cards, and what-have-you. Rarely are these offers for things that we actually want, say for example a date with a good looking member of the opposite sex, or a way to help us save money. Cell phone plans come with contracts, credit cards with high interest rates, gym memberships with hidden fees, and reward programs with spam mail – all adding to your already strained finances and over-burdened mailbox.

So if you’re looking to consolidate your options, you’re at the right place. Alpine Mortgage is your one-stop shop to help you put money in your pocket so you can say no to all those credit card companies, consolidate your debt, and put an end to your financial stress.

On Sunday, something in the Calgary Herald caught my eye and nearly made me choke on my Lucky Charms. Apparently, teenagers are the happiest people in Canada. Gone are the days of grunge, brooding, and Kurt Cobain. Plaid shirts and ripped jeans? Indicators of good style rather than teen angst. And the biggest problem in their ‘so called lives’? Stress from school.

That says a lot about when teens are the happiest. It’s when school’s out. When they’re hanging out with their friends. When the biggest thing they have to worry about is what movie they’re going to watch later tonight. So if you want to spend some quality time with your teens this summer, you had better make sure it’s something that could convince them to trade in their iphones/blackberries for suitcases. Say, something like catching some waves in Maui, or maybe shopping in the Big Apple, or even safariing in South Africa. And if you need a loan to get you there, give us a call or check out our website. As long as you own your home, you will qualify for a home equity loan, bad credit or no credit.

eyeliner takes skill

At Alpine Mortgage, we’re in the business of opening doors, especially the ones that banks slammed shut in your face because of your not-so-great credit score. We get you home equity loans so you can start up your new business, renovate your house, or even go on that much-deserved family vacation. And much-deserved is right because you’ve worked your butt off for years, dutifully paying your mortgage as a homeowner. So think of your home as a life sized piggy bank that you’ve spent years collecting and saving money in. With Alpine Mortgage, tapping into that not-so-little piggy is only one simple form away.

According to this article in today’s paper, the town of Waterton has been taken over by Bambi’s cohorts. And they’re so cute and seemingly innocent that one man thought it’d be a good idea to feed one of them popcorn. When he stopped feeding it, Bambi turned on him and slapped him clear across his face with its hoof, leaving the man feeling like a jilted lover. The deer have also been wreaking havoc on people’s gardens and lawns, leaving little presents on the ground in their wake. It turns out that these things happen all the time in Waterton, so much so that people have taken some creative measures of protection. Some carry hockey sticks with them to ward off the angry pests. They’ve even started to mark the ‘problem’ deer with paintball guns so that people (read: tourists) know to stay away from them.

At Alpine Mortgage, we love the fact that we live in a province that’s so abundant in natural wonders. But this story reminds us that most of the time, man and beast just don’t get along.

man vs. beast

Paying the bills is hard work, but the process leading up to it can be even harder. Choosing the right provider and services is enough to drive us crazy, which is probably why so many Albertans choose to pay for regulated electricity in a deregulated market. So finding out that provincial electricity provider RRO was charging Albertans at rates that were marked at short-term rates rather than a mixture of short- and long-term was alarming. It seems like the better choice for consumers is to sign a long-term contract with one of the four independent providers, Enmax, Direct Energy, Just Energy, or Spot Energy. Sure, it’s another decision you have to make, but at least you’ll be paying a fair and competitive rate.

We’ve all done it before. Picked up the mail, sorted through the flyers and circulars for the goodies like birthday cards and letters, and tossing everything looks like a bill onto a growing stack of envelopes on your desk. This is where the road splits. Some of us will sit down right away, and go through the bills and pay them off. But many of us will take the other road, and bear witness to teetering towers of bills that eventually leave your desk devoid of a working surface. The former face their bills and avoid financial disasters. The latter avoid their bills and face late fees and penalties.

But it’s tough to be in the first group, especially with all the bills we need to pay – credit cards, car, electricity, cell phones and all. That’s why it’s a good idea to consolidate our debt. If you own a home, Alpine Mortgage will help you get a home equity loan, even if you’ve got bad credit or no credit. Then you can get rid of some of your credit cards, reduce the number of payments you have to make, and demolish some of those bill towers that are threatening to take over your desk.

papercut central

Calgarians rejoice! According to Vancouver newspaper, the Vancouver Sun, Calgary is the best city in Canada to invest in real estate. Thanks to our market’s adjustment to the economic downturn, real estate became more affordable, setting us up for a growth spurt in the provincial economy in the coming years.

So if you’re already on the boat and own a home in this great city of ours, pat yourself on the back. Not only are your resale prospects looking good, you are also eligible to get a home equity loan from Alpine Mortgage. A great idea if you’re hard up for cash to pay for bills, to renovate your house, or even to treat yourself and your family to a nice summer getaway. You’ve worked hard for your home, and your reward is a simple form away.

First, it was Toyota and now Chrysler. When will the madness end? Last week, Chrysler made an announcement that they were recalling many of their minivans and Jeep Wranglers. Apparently, these models feature “doors that could catch fire, brakes that could fail, and accelerators that could stick”. It’s ironic that a minivan, the bona-fide mascot for family-friendly vehicles, would feature sliding doors that could erupt into flames as if it were a prop in a bad Kiss music video.

Chrysler has so graciously said that they will fix the recalled vehicles free of charge. But let’s be real. Do you really want to wait for the unveiling of another secret feature? Like we’ve said before, maybe it’s time to invest in a new car because you never know what else is wrong with a shoddily manufactured car. And because flaming doors are not a good look for your family.

chrysler cars=stolen concert props?

sweet, sweet victory

Running a marathon is no joke. The 8600 people who participated in the 46^th annual Calgary Marathon on Sunday can attest to that. Prepared for the drizzly weather, serious runners, joggers, and walkers ran alongside one another to raise over $250,000 for charity. Graeme Wilson and Ellie Greenwood took home first place in the men and women categories, respectively. Both completed the marathon in less than 3 hours – amazing feats for having to pound through 42 kilometers of pavement.

If you didn’t place, hearing about the winning times can be quite daunting. And for some, the mere thought of running is enough to send them packing for the sidelines. Not everyone can run a full marathon, but everyone should at least try. If you ran the 10k make it your goal to run 20k next year. And if you were taking pictures on the sidelines, aim for walking at least a part of the marathon next year. All it takes is some training and determination. And if running outside is not your thing, especially during Calgary’s winters, then Alpine Mortgage will give you a home equity loan to invest in a home gym to house your new treadmill. Just fill out one simple form to get you on your way, and let your training do the rest.

shopping for sport

Retail therapists, pat yourselves on the back. Thanks to you, Calgary has avoided the retail vacancy increase that other not-so-lucky North American cities have experienced. In fact, Calgary’s retail vacancy rate decreased 0.55 per cent this past year and is expected to continue falling in the coming year.

With so many things to buy and so many places to visit, it would be a good idea now to trade in all those credit cards (and the debt that comes with them) for some cold, hard cash in the form of a home equity loan. All you need to do is fill out one simple form, and wait until you hear from us. In the meantime, continue shopping and fueling our economy. After all, we all have to do our part to keep it going strong.

Anybody who has picked up an international newspaper recently will know that Greece, and Europe for that matter, is in a current state of economic turmoil, as it is at risk of defaulting on $300 bn in sovereign debt. Germany, Europe’s economic powerhouse, will have to provide the majority of the bailout money for Greece as the eurozone countries who have no choice but to come together and rescue the Greek economy.

Don’t be like Greece. With Alpine Mortgage on your side, you can avoid financial disaster by taking out a home equity loan. Unlike Greece, you’ll be tapping into funds that belong to you – money that you, yourself invested in your home. And with cold hard cash in your hands, you’ll be able to pay off that growing pile of bills and relieve yourself of debt.

We'd be stressed out too.

It’s finally here. Weeks of float prepping, routine practicing, and costume making are going to be put to good use today at the annual Island Farms Victoria Day Parade.  The 112^th parade of its kind boasts 127 performers from all over the world – ranging from the US to Japan.

It’s one of BC’s favorites and we’ll be sure to tune in on CHEK-TV to check out the festivities.

Showing off their hand-waving skills

So the garage has been cleared of all the junk, after weeks of sifting through collected junk and unsightly dust bunnies. Stuffed parakeet won at Playland, ex-grilfriend’s dreamcatcher, and rusty tool kit – out. Collge diploma and crumpled twenty-dollar bill – keeps. For the first time in years, the floor of the garage is visible to the naked eye and ready to house its first car.

But with the car always being at the repair shop, the garage will sit empty. The growing pile of bills is hardly an incentive to buy a new car, or at least one that doesn’t break down every other week.

This is where we come into the picture. If you own your home and need a loan to get a new car, start up your new business, renovate your home, or whatever need be, Alpine Credits will help you secure a home equity loan because that’s the least you deserve for working so hard all these years to pay the mortgage. And because a garage without a car is just a box.

Calgary is a city renowned for its warm hospitality. Every year it hosts the world’s largest outdoor rodeo, the Calgary Stampede. During these summer months, the streets are filled with friendly faces, shiny buckles, lukewarm pints, and ten-gallon cowboy hats. It’s a giant party that brings out the best of the city known for its warm winter winds and spectacular sizzling steak.

But if you live here, you will know there is a chilly side to this Albertan town. When it comes to financial matters, the banks here are not what you would call sympathetic or compassionate.

The big banks will turn away people looking to borrow money – even if that money is actually theirs – money that they have saved up for over tens of years, in the form of home equity.

Can you believe that you can’t access your own home equity if the banks think that you are too old? That’s discrimination. But it happens every day here in Calgary.

If the banks don’t like the look of your credit, they will close the door in your face when you come in for a home equity loan. And if you’re self-employed and you can’t verify your income, they banks will brush you off their cold shoulder like frozen dandruff.

It’s not like we are talking about a line of credit here. These are home equity loans – money that you have invested in yourself over a lifetime, and now they say that you can’t get it back? Ridiculous.

However, Alpine Mortgage can help you. No matter what your age, income or credit rating, we will lend you the money. Because if you own your home, you are already responsible enough in our eyes.

Alpine Mortgage shares the same warm spirit as the city of Calgary. We’re open, honest and easy to deal with. So if you are looking for a home equity loan in Alberta, Alpine Mortgage can help you today.

Calgary Stampede

Chilly Calgary

Rules can be silly sometimes.

For instance, we have to call our company two different names depending on which province we’re in.

Yep, Alpine Credits and Alpine Mortgage are actually the same company. We won’t bore you with the details, but suffice to say that if you need a home equity loan for $5k, $10k, or even $300, 000, you can get it from us whether you are in BC or Alberta. We’re all over Western Canada. And we’ve been an established lender since 1969 – longer than any one else in the industry. We are the same company, but we have to call ourselves different things.

There are other rules that are silly too. Like how you can’t get a loan from the bank if you are too old. Or how the banks will shut you out if you can’t verify your income because you are self-employed. Or if you have bad credit, how you can’t even access your own money. Silly! We think these rules that banks follow are stupid. We’ll lend money to anyone with a home.

In Alberta, Alpine Mortgages has offices in Edmonton and Calgary that can help you with everything from home equity loans, to debt consolidation, to bad credit loans.

However, even if you are in Ponoka, or Grand Prairie, or Medicine Hat or Camrose, we can help you get a home equity loan in Alberta right over the phone.

And even if the banks have said no, we’ll say yes. After all, silly rules were meant to be broken.

Rules were meant to be broken.

yup, it's summer alright

Nothing says summer more than padding along your newly landscaped, dewy lawn and feeling the grass between your toes; sipping on an icy glass of honey-sweetened tea from the shady refuge of your brand new back porch; and tanning on an inner tube floating in your newly installed backyard pool.

Make over your backyard so that you can welcome these simple summer pleasures.  You’ve worked hard all year to make mortgage payments, real estate taxes, and utility bills – it’s the least you deserve for owning your home.  If you need a home equity loan, call Alpine Mortgage today. It doesn’t matter if you have bad credit, no credit – you deserve to enjoy summer.

kids surf while moms shop

It can be so hard, living in a city like Edmonton that contains North America’s largest urban park, biggest shopping mall, and lowest urban density. I mean, what’s to love about miles of lush greenery, amazing shopping and entertainment, and an uncrowded metropolitan environment?

It can be so hard, owning a home in Edmonton, and trying to get a home equity loan from Alpine Mortgage. I mean, what’s to love about a company that makes it so easy for anyone to get a home equity loan, who doesn’t care about whether you have bad credit or no credit, who will help you start up your business and renovate your home, and who will help you consolidate your debt?

There’s nothing like play time in Alberta’s natural playground.  If you’re lucky enough to live in Wild Rose Country, the only thing between you and exploring the winding trails of Banff, snowmobiling across the snow-dunes of Cold Lake, or hiking through the magnificent boreal forests is your front door.

If you’re one of the lucky few to own a home in Alberta – why, that’s just as good as marking your territory on nature’s favorite playground.

However, there is no point in living in paradise if you can’t enjoy it to the fullest. You’ve spent years pouring money into your home, and now, it’s time to reap the rewards of your hard work. You can get that money back, in the form of home equity loan, through Alpine Mortgage today. It doesn’t matter if you have bad credit, no credit, or even if you used to live in BC, if you own your home, we’ll lend you the money. Simple.

Sure beats my bicycle

just try to look away

Unless you’re a meteorologist, you probably don’t care that Chinooks are foehn winds characterized by adiabatic warming of air that has dropped most of its moisture on windward slopes. You’re unlikely to care about orographic lift, relative humidity of air mass, and all that other climate mumbo-jumbo.

You’re more likely to care about enjoying the glowing shades of red and amber that paint the horizon, a view that could only be made better by watching it from your new porch bought with a home equity loan. If you have a home, Alpine Mortgage will lend you money, whether its 10k, 20k or $300,000. If you are based in Alberta, contact us today at:

Calgary

403.236.5926 or 1.877.486.2161

Edmonton

780.486.2161 or 1.877.486.2161

For all other Alberta inquiries:

1.877.486.2161

You’re sick of searing diver scallops in truffle butter on your one-burner stove and tired of chopping vine-ripened heirloom tomatoes on your linoleum countertop. You’re so over serving Moroccan-crusted Australian lamp chops to your guests in your shag-carpeted dining room and washing your Bernardaud fine china plates under your rusty faucet. We would be too.

You’ve spent years in this kitchen fine-tuning your culinary skills, making do with what you had. Now that you’ve become a seasoned chef, you should channel your inner Ina Garten by giving yourself and kitchen a well-deserved makeover so that you’ll be ready for your on-screen debut when Bobby Flay comes over for a ‘Throwdown’.

Bring it on Bobby

It’s hard to purchase something from a department store or online retailer these days without being asked the customary, “Would you like to sign up for our credit card?” followed immediately by, “You’ll receive 10% off your purchases.” The two-pronged attack gets the best of the bargain-hunter in most people, who go on to apply for the credit card with little to no knowledge of its interest rate and annual fees. Buy a jacket from the Bay, a printer from Amazon, and a toaster oven from Sears, and you’ll walk away 3 different credit cards all with different interest rates, terms, annual fees, and a wallet full of unspent cash. I-saved-13-big-ones! you say, but is 13 dollars really worth 3 more bills added to your growing pile at the end of the month?

Don't be fooled by my smiley face

Any properly mischievous kid knows to go straight to his/her room upon returning home from a grueling trick-or-treating session in order to hide away a small portion of the goods before greeting the parents in the living room.  This cunning tactic ensures that said child has unadulterated access to a portion of his/her hard-earned treats when his/her vegetable-monging, locavore-wannabe parents relinquish the goodies to the trashcan.

Similarly, any properly strategic adult knows to invest in real estate as soon as they are financially in a position to do so.  This wise investment ensures that said adult could tap into his/her property assets in the form of a home equity loan during hard times like the recession or an unexpected bout of unemployment.

hands off

Vancouver’s real estate market appears to be immune from the recession with home sales reaching an all-time high in recent months. In February, the Vancouver Sun reported that the average price of Metro Vancouver home was almost $663,000, above pre-recession levels. The driving force for this surge in sales was largely due to the low mortgage rates that come hand in hand with the high unemployment rates in Canada. But thanks to Canada’s relatively rapid economic recovery, banks have started to raise their interest rates, which will add significant stress to the average household debt. It makes sense to us that mortgage rates increase as the economy strengthens but it begs the question, have we really seen a decrease in unemployment?

It’s the age-old board game that everybody has played and nobody seems to be able to finish.  I remember my older sister’s main goal in the game was to amass as many properties and as many little, plastic houses as she could possibly get her hands on.  Unlike me, it didn’t matter to her that she was down to her very last hundred-dollar bill and close to declaring bankruptcy. And for good reason, because she always seemed to beat me.  My little silver top hat had a mind of its own and was fond of landing on her property.  My bank account, initially more bountiful than hers, would start to dwindle along with what little property I owned as she began to dominate the board.

My sister’s winning strategy is also applicable to real life.  Although bankruptcy is a much larger and more risky threat in reality, real estate remains the most stable investment you can put your money in. If you own one home, or are lucky enough to own many, we can help you get a loan by getting you access to your home equity.  When you’ve got those car, electric, and college bills stacking up, it’s kind of like your get out of jail free card.

We’ve all been there before—getting turned down by banks for loans, getting rejection letters for credit cards, getting turned away from online loaners.  Whether it’s to pay for your car, your business, or utility bills, you need money and you need it fast.  However, if you have bad credit, even if it was through no fault of your own, banks will not touch you with a 10-foot pole.

But if you own a home, you’re in luck because Alpine Credits will help you get a loan through home equity. It’s only fair that something you’ve invested so much in can give back to you even when nobody else will.

Spending habits, like anything else, start at a very young age.  What we can teach our kids now about money will prepare them for a lifetime of fiscal responsibility.  The Wall Street Journal’s recently published article, The 15 Money Rules Kids Should Learn, provides some interesting tips for making sure the piggy bank is well fed. 

via Wall Street Journal

We at Alpine Credits know that good ideas are hard to come by. For us, aha moments require more than just an apple falling from the tree. Inspiration for an idea usually takes years of working on something and years of dissatisfaction for the existing conventional frameworks and processes. But a good idea remains just an idea unless there are sufficient funds to develop the idea into a reality. Take for example, important inventions in our history. If engineer Richard Drew didn’t have access to his employer 3M’s resources, we might not have tape. If Edward Jenner didn’t have the funds to travel all the time to rural farms, he might not have discovered the smallpox vaccine. If Leonardo DaVinci couldn’t afford paint and canvas, we would not have the Mona Lisa.

It goes without saying that we all for lightbulb moments. So if you are lucky enough to have a good idea and own a home, Alpine Credits will help you take out a loan on the equity of your house so that you can transform your idea into a thriving business.

Chinese water torture tortures not by the gradual development of a hole on the victim’s forehead as is widely thought, but rather by driving the victim to the edge of insanity. That damn leaky faucet that you lay awake listening to in the middle of the night gives you just a little taste of what torture tastes like.

You worked hard to buy your home. You shouldn’t have to feel like a prisoner in it. By allowing you to access money that you invested in your home, home equity enables you to fix that leaky faucet, the water-stained ceiling, those creaky floorboards, or whatever else keeps you up at night.

You’ve heard it all before. Or at least you’ve read it in the travel brochures. Beautiful BC is nestled between the majestic Rocky Mountains and stretches of coastline along the Pacific Ocean. Breathtaking landscapes and a temperate climate are just a couple of the reasons why people are clamouring to live here. And if you’re one of the lucky few who own a home in British Columbia, then you can probably think of a couple more reasons why BC’s the place to be.

What we look like when we go cherry picking

Living steps away from towering temperate rainforests and having the Rocky Mountains in your backyard may be impossible to put a price tag on, but home equity is not. It is a tangible product that lets you invest in what you value the most, whether that be navigating the slopes of Whistler, combing the beaches along the Sunshine Coast, picking cherries in Kelowna, or hiking through the Northern Interior Forests.

Not to worry British Columbians, the cauldron blazes on. The Paralympics are in full swing and we haven’t skipped a beat with cross-country skier Brian McKeever taking home Canada’s first gold and Lauren Woolstencroft bringing home BC’s first gold medal in the Women’s Slalom event.

Our men’s sledghockey team has played its way to two victories in the preliminary rounds against Italy and Sweden. We’re keeping our fingers crossed that the winning streak will continue to the next round against Norway. We couldn’t be prouder of our home-grown athletes and wish them all the best in the week to come!

We’ve all heard that one before. Whoever wrote that was either the beneficiary of a trust fund or someone who lives on national park grounds and subsists on a diet of scavenged berries and found herbs.

The rest of us have to take out loans or lines of credit in order to afford even the necessities of life. We have to pay for homes for our families to live in, real food, cars, textbooks, electricity, shampoo, soap, shoes, and clothes – the list goes on. Paying for all these things can take a serious toll on your finances and will lead to multiple lines of debt and a mailbox full of bills.

But if you’re lucky enough to own your house, Alpine Credits will help you get a home equity loan which means that you will have cash to pay for all those things and at the same time, consolidate all your debts into one low monthly bill. Essentially, you would be spending what you have (equity from your house). Who says you can’t have your cake and eat it too?

Go Griz!

Yes, we know. Our environment is in dire condition and global climate change will probably be the biggest challenge modern society will ever have to face. Even with the addition of the new Skytrain lines, it is impossible sometimes to get around without a car.

Whether you are trying to go to work, drop off the kids, go to school, go to the store, or visit your grandmother who lives in Seattle, you will probably need a car, preferably one starts every time you turn the key and doesn’t break down every 10 blocks.

Unless you’re planning on buying a car from Mattel, you are looking at a price tag of at least $10, 000 or $350 per month, which is pretty substantial damage on your wallet when you have to pay rent, cable, gas, and electric bills on top of that. But it’s a price you have to pay if you want to get from A to B.

So you’re hard up for cash to purchase a new car, we will help you out. Choosing a car that has ‘intended acceleration’ and explaining to your wife that ‘spicy red’ is not a good color for you, well that’s up to you.

Rrrarrr

After reading the title, many of you are probably scratching your heads trying to decipher what may seem like very twisted logic reminiscent of those annoying SAT analogies. Let me take a step back here and explain.

It’s an inevitable fact of life that as people age, they develop wrinkles (with the exception of Michael Jackson – may he rest in peace).

It’s not necessarily true that everybody who has finances has debt, especially if you’ve been good at managing your money. But as most of us have learned, it’s hard to buy car, start a business, or even renovate your house unless you take out lines of credit in the form of credit cards or bank loans inevitably leading to multiple sources of debt.

As with wrinkles, it’s in your best interest to keep your debt down to a minimum. We can’t offer you a miracle cream that will consolidate your fine lines, but we can help you consolidate your debt. And who knows? Maybe that’ll help prevent a couple new wrinkles.

Look ma, no more debt

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