I am now in my late 50’s my wife and I have been married for 35 years our Daughter and Son are Young Adults and well on their own carrier paths , I am now looking at the future as the years seem to be going by so quickly and retirement will be here before I know it.

Being mortgage free and or paying down our mortgage is a key part of being able to retire and the way my current debt is structured I seem to be just spinning my wheels and getting nowhere.

I heard Angela’s on the Radio and went on Her website www.angelacalla.ca  and read the testimonials , then I listened to her radio show a few times and thought to myself , I am really missing something here so I decided to send a Email to her Team and make some inquiries,

Her team promptly called me on my Cell and he asked a few questions about my mortgage and House  , I gave him some numbers over the phone and quickly did calculations as we were speaking and gave me some figures as to how much I would be able to save per month by restructuring ( at a lower interest rate ) and then use that extra to pay off debt and pay down my Mortgage, It was like a huge load was lifted off my shoulders not only that when I was filling out the application that evening I did not understand one part of it so I emailed and within 15 minutes he returned an Email with the answer , Try getting an answer from a Bank that quickly and especially on a week night , Both my Wife and I were impressed.  We don’t expect that and we know it’s not possible.  Its nice to know they will do whatever they can to help, when they can.

We have been dealing with our bank for years and when It was time to renew I guess we were typical of a lot of Folks the bank would send a document in the mail explaining what a good deal they were giving us for being loyal customers and said this is the special low rate you are getting cause you are a good customer and we would sign the document and it was done , but then after that I would see these lower rates advertised and would think why didn’t they offer me a rate like that ?? I also didn’t know there was much more to mortgages than rate, also an old mindset. What was my loyalty based on? They certainly didn’t earn it by doing anything for me, I learned it was just habit! Not only that they always steered us away from a variable rate but The Angela Calla Mortgage Team showed us how to use the variable rate to our advantage and let us make the decision whether we wanted to lock in or not, none of this has ever been explained to us before. We now have a plan!

Working with Angela Calla’s Mortgage Team has been a really good experience, they put together a re-payment plan that is going to reduce our monthly output and then in turn we can use the extra cash flow to reduce our mortgage principal and have some extra to enjoy our life, During our meeting with Chris we also met John two really nice guys. Everybody on the team is fantastic, when Angela says everybody shares the same goals, it really is a great feeling to be treated so great with everyone’s help! (also something you don’t get at the bank where no one knows what’s going on and has to check everywhere and people are always on holidays and others that don’t know you are working on your file) As we were working with The Angela Calla Team they checked current rates and found a lower one and promptly changed the Rate and that helped even more, there were a few High 5’s in the office after that.  This also taught us they are always working for us, not just when we sign papers, that’s the beauty of working with the team, not just any team The Angela Calla Mortgage Team and learning there is so much more to mortgages than an interest rate, and the good news was the new mortgage didn’t compromise any of the terms that were going to help us save money we learned with the entire Angela Calla Mortgage Teams help. Since our meeting I have been in close contact with John on a daily basis he has done an excellent job of all the tedious paper work that goes with a mortgage transaction and has been quick and professional when it came to answering the tough questions,    In toll we will be saving $2.300 per month that will allow us to to save money and pay down our mortgage annually.

It’s too bad there was no one around like the Angela Calla Mortgage Team when we were first time buyers, it was very stressful dealing with lenders and took a lot of time to secure a mortgage and everything that goes with it, I would highly recommend to first time buyers to contact the Calla team 604-802-3983 (I have it in my phone now) with all your mortgage enquiries and also current home owners when it’s time to re-new or if restructuring is required, they are here to help you out, They have treated us with respect and professionalism. If you need their help don’t hesitate Call them you will be pleased that you made the call.

Regards : – Chris  of Maple Ridge.