Do NOT Sign Another Rent Cheque Until You Consider This: Buy and Own Your Own Home or Condo, Right Now
You can stop flushing away rent money every month, stop making your landlord rich, and buy a home or a condo of your own right now, and I can help you every step of the way.
Imagine; a home of your own! A fenced yard for the kids. A garage for your car. Enough room for your stuff. All on a quiet street. Privacy. Comfort.
Why Now?
There are lots of lenders sitting on too much money and imagine that! - and they are eager to make more home loans right now. Interest rates are low. The time just couldn't be better to get financing for your new home.
What About Credit Problems?
Even if you do NOT have perfect credit, there may be loans available for you. Even if you are self-employed, there are loans available to you. Whatever your current situation, there's probably a home loan just right for you, and I'll find it for you. 
Won't I Need A Big Down Payment?
You do not need a large chunk of money for a down payment either. If you've been held back by the idea that you have to save up $10,000, $20,000 or more to put down, to buy a good home, I'll show you how to avoid that altogether.
Consider Charlie and Sue. They had rented for 24 years. They raised 4 children in rental apartments and homes. Just recently, I helped them find a beautiful home and buy that $147,000 home with $7,350.00 down. Charlie and Sue got out of their apartment with the nosy, noisy neighbours and no place to park their car, got into a really great home in a nice neighbourhood with 5% down. Now Charlie has a TV room.
And instead of paying rent each month and losing that money forever, that same payment is now an investment, creating security for them in the future. Oh and by the way, their mortgage payments and taxes are less than they were paying in rent!
Can I do all that for you? Yes, I can. Maybe the level of the government will even step in to help with the down payment, with low interest financing, home improvement grants and in other ways. Very few people know that the government is eager to help them buy their first home. I can help you get every benefit available for first-time home buyers from Mr. Harper too.
Every Month You Wait, You Flush Your Hard Earned Money Right Down The Drain.
Renting is wasting money. You make your landlord rich, but you do nothing for yourself. By putting those exact same dollars into a "house payment" instead of "rent", you create "equity"..... value that you own, that later can send your kids to university, finance the start-up of your own business or pay for your retirement. Be your own landlord and build up future financial security. I'll even show you easy strategies to speed up the pay-off of your home without making extra payments. And, as a homeowner, you get tax breaks that renters never get.
There's no reason to wait. I can help you buy a home RIGHT NOW.
By the way, I was just visiting with Jack the other day; I helped them buy their first home 6 months ago. Jack and Carolyn had a bankruptcy three years ago and were worried they could not buy a home. I helped them purchase a nice 2 bedroom condo for $104,900 with only $6,000 down. Jack's whole attitude has changed. He is no longer a renter who cannot buy because he has a bankruptcy. He is a homeowner and you can tell he's proud of it. He's already talking about renting out his condo and moving up to a bigger home in a few years.
I remember when Verna called me last year. She had lived in the same house for 40 years and after her husband passed away, she was urged by her family to move to an apartment "to save money". After 16 months in an apartment, the cat and she were going stir crazy. She liked to tinker about and she didn't like the noise and all the traffic. I helped her find a great one bedroom condo with a balcony, she has her own laundry and oodles of storage and get this, and her payments are less than what she was paying in rent!
Switching from renting to home ownership can help you go from being in debt or "cash poor" to becoming financially secure, too. You can use home ownership as the "foundation" of a complete change in your finances!
Being A Homeowner Makes You Feel Good 
In addition to the smart financial and tax reason for buying your own home instead of renting, you will feel better about yourself and your life. You'll provide a safer place for yourself, your spouse, your family. You can decorate your home just as you please. You'll enjoy inviting people over to your home.
Will I have To Settle For A Home I Don't Love?
My inventory of available houses and condos is huge. I can show you a great home in just about any price range. Also, you may be surprised at how much home you can afford, with my loans and financing strategies. We'll talk about the kind of home you want, the kind of neighbourhood you want to live in, your finances, and then I will do all the hard work of finding the perfect home for you. A home you can afford, with a loan that's right for you. A home you'll be proud of. A home you can move into now. Of course, everything you tell me is completely private and confidential. My job mandates this high level of integrity. I work for you. I'm your counselor and advisor.
Why Not Explore This Idea? What Do You Have To Lose?
I'm so confident that I can "match" you with right home and great lender, if I fail after 120 days, I'll pay you $50.00 cash the day you "fire" me as your home finder!
If I'm So Certain I can Help You, Why Wouldn't You Let Me Try?
There are 2 ways we can move ahead from here......... One, you can call me and we'll set up a brief personal meeting. During our brief meeting, I'll collect the information I need from you to create a "Home Search Profile", and then I'll go to work for you.... To find a choice of houses or condos and to be sure you can get a home loan. There is absolutely no charge to you for the meeting or the search. I'm paid the normal real estate commission by the seller of the home only after I've "matched" you with a home of your choice. 0r, send me an email with your full name and I will have one of our mortgage specialists get back to you.
You Never Pay A Cent Out Of Your Own Pocket For All The Work I Do For You
Or two, if you're not ready to meet yet, at least let me send you my FREE "The Envelope Exclusive Homeowner Information Packet". Reading this information may change your entire life. To set up a meeting or ask for your FREE "The Envelope Exclusive Homeowner Information Packet", call me at 519-435-1600 or send me an email at ty@enveloperealestate.com and I'll get back to you quickly.
Sincerely Ty Lacroix
Ty Lacroix Broker of Record
PS: I know there's a tendency to set this letter aside....to "think it over"... but then it may get lost, and you forget about it. So I wanted to give you a little extra reason to pick up the phone and call me right now, while it's still fresh in your mind. When we meet, I'll give you a "FREE BUYER'S GUIDE" which has lots of important information about buying a home or a condo. There's "no catch".
But I only have a limited supply. So you need to call me right now at 519-435-1600 to be sure of getting one.
PPS: Oh... I almost forgot a very important thing. I or one of our many lenders will also provide for you a FREE confidential credit report and FREE determination of your home loan qualifying range. Remember, everything is completely private, confidential and you are under no obligation what so ever. So give me a call at 519-435-1600 right now.
Copyright 2009 Envelope Real Estate Brokerage Inc 
Hi Ty I want to thank you for all your help in the purchase of my "Dream Beach House"......You made the buying process easy....all your patience as I went through it a few times was absolutely wonderful.. Showing me other places so I knew what else was out there and could be sure "this was the one" before my final decision was great...... Thank you for your suggestions and help in getting the final papers signed......being able to do the whole process in one day was certainly pretty stress free....not having to wait while it was taken back and forth over a few days made it very easy. Once again, thank you so much for all your help...I will definitely call you again if the need arises to buy or sell and will pass your name on to anyone I know who may need someone... It was certainly great working with you for these last few months. Kind regards Sue Grycaj
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