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Edition # 9 Volume # 1


Tracy Irwin

Mortgage Loan Minute

... 60 seconds to informed home ownership

Curren interest rates:

Prime Rate ...................  6.25
3 year fixed ..................  5.90 
5 year fixed ..................  5.89
7 year fixed ..................  6.00
10 year fixed ................. 6.05
Variable rate .................  5.75

Pay it forward - Please feel free to forward this email to a friend and let them experience the benefits of informed home ownership.

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Tracy Irwin Mortgages, AMP

Hi %FIELD:5%,

Welcome to the  Mortgage Minute....your guide to informed home ownership!

Tracy's trivia
» Life lessons from golf by Scott Sindelar, Ph.D., BCFE

» Principle # 8 - In golf and in life, it is better to focus on what we are doing well, rather than losing our cool over our errors.   

Instead of hiding from the fear or adversity, we grow stronger by confronting our fears. 

Mortgage Minute

Tips for Saving Money with your Mortgage

Your home is the single largest purchase you will make in your lifetime. Therefore, the largest debt you will ever carry is your mortgage.

News Fact:
Did you know that it will cost you $581,597 to pay off a $200,000 mortgage loan at a rate of 5% amortized over 25 years?

The good news is that there are some mortgage strategies that you can easily implement to help reduce the high rate of interest costs and save you money.

Using the example of a $200,000 mortgage loan with a 5% interest rate amortized over 25 years, the following savings will apply:

Read more on Tips for Saving Money with your Mortgage

For more information contact Tracy Irwin at tracy@tracyirwinmortgages.com

Article by Dianne Bullied, The Feng Shui Way

Feng Shui Decorating for Christmas

Feng Shui plays an important role in creating a harmonious environment for the holiday season. This ancient art can help you enhance the positive energy in your home as you enjoy the excitement of seeing friends and family. It can also help you balance holiday stress from days of shopping and the exhaustion from late-night parties. Fortunately, there are many things you can do so your home will provide a refuge from the hectic pace of the holiday season.

Read more Feng Shui Decorating for Christmas


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