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.

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

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

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 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

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.

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.

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.

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

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

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

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

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.

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.

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.

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.

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.

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.

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.”

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

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...

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!

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…

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.

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….

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.

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.

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.

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.

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.

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.

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.

Five years ago you were making money hand over fist. Your friends and family were in awe. You had no financial worries at all.

The reason: it was 2005, the oil industry was booming and you were finding it hard to spend all the money that was coming in.

The black gold paid for new vehicles for you and your wife. It bought that trip to Australia. It let you setup college funds for all three of your children. And, most importantly, it let you buy, not one, but two properties in the Calgary area.

At Home in Calgary

But the job was taxing to the family life and when your marriage started to sour you gave your notice and moved back permanently to Cowtown.

With your family’s happiness restored, you tried and failed to find work in the city. The smiling faces at home were priceless, but keeping the standard of living at the level you were accustomed to began to be a challenge. Your skills that were so lucrative in Fort Mac, were now useless in the big city.

That’s when the idea came to you to start a Calgary consulting firm. You could pass along your knowledge of the field to new and growing oil development companies. By hiring handpicked employees, you could assign consultants to projects all over the Province. By being the central hub, you could run the company from Calgary and maintain the family bonds that you worked so hard to build.

But every good plan comes with at least one structural obstacle; yours, financing.

Five years without work seriously depleted your savings. You talked to the back about a loan, but were denied when they heard about your employment situation.

Then you contacted some family members. It seems things were tough all over.

Around this time a friend told you about Alpine Mortgage and their incredible home equity loans.

Alpine Mortgage didn’t worry about your current situation. As soon as they heard you had two properties in the Calgary area, they instantly approved you for a loan to start your consulting group.

Today, your business is expanding exponentially. You have a staff of twenty and a client book that reads like a phonebook instead of a post-it-note. And, best of all, everyday at five o’clock you can return home to your wife and kids.

Home equity translates into financial opportunity. Find out more today: www.alpinemortgage.ca.

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.

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.

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.

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.

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.

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.

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.

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’.

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.

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

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.

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.

Or you could just get a home equity loan.

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.

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 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

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

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.

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.

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 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

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.

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

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?

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’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

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.

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.

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.

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.

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!

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!

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

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