Want to make your holiday bills disappear?

Rita Cousins Senior Mortgage Advisor • February 9, 2021

Make a plan to settle the excess spending that’s racking up interest on your credit cards.

Many Canadians suffer with their highest debt load in the month of January. Save thousands of dollars in interest by creating a pay down plan! Consolidate and restructure your debt into your mortgage so you are paying less interest and paying off debt sooner. Start the New Year on the right foot by saving money and taking advantage of historically low mortgage interest rates.

Look at what you’re paying on your credit cards and other debts. If you roll those high interest debts into a new or existing mortgage, your potential saving can be significant!

Take a look at this scenario:

You can use these savings to ease your monthly cash
flow, or apply it to pay your debts down faster! For
example, put $500.00 per month of your new cash
flow into your mortgage payment and reduce your
amortization from 25 to 15 years!

I will assess your situation and determine if there are
any penalties to break your current mortgage and
evaluate if the savings outweigh the penaltiess!

SOUND INTERESTING? GIVE ME A CALL TODAY!

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🔑📊 Fraser Valley Real Estate: Prices Falling, Buyers Waiting📉

By Andy Schildhorn • February 3, 2026

🏡 Fraser Valley home prices back to pandemic-era levels under the weight of economic headwinds and sustained inventory 📉 SURREY, BC – Home prices in the Fraser Valley fell for the tenth consecutive month in January, pushing the Benchmark price below $900,000 for the first time since spring 2021. The Benchmark price for a typical home in the Fraser Valley dropped one per cent in January to $897,200, down 6.9 per cent year-over-year. The continued softening of prices wasn’t enough to get buyers off the sidelines, as the Fraser Valley Real Estate Board recorded 619 sales on its Multiple Listing Service® (MLS®) in January, a 33 per cent decrease from December, and 24 per cent below sales from the same month last year. New listings increased 128 per cent in January to 3,078, reflecting the typical seasonal patterns; however, activity remained 10 per cent below last year’s levels.

🤗 Sometimes we need to smile.

By Andy Schildhorn • February 2, 2026

Who needs a hammock? Check out LAPS for adoptables 😀 📣"Do what is right, not what is easy.” - Roy T. Bennett

🏡 Do Home Inspections Kill Deals?

By Andy Schildhorn • January 31, 2026

⏸️ Fraser Valley Market Paused | 2026 Outlook Looking for straight talk about real estate in Langley and the Fraser Valley? In this playlist, Realtor Andy Schildhorn shares honest, experience-backed insights into the housing market, the buying and selling process, and what’s really going on behind the scenes. Whether it’s market conditions, policy changes, or personal stories that affect buyers and sellers alike, Andy Talks Real Estate & More brings a local, no-fluff perspective that helps you make smarter decisions—without the jargon. 🎙️ Real estate insights with 30 years of experience 📍 Focused on Langley, Fort Langley, and Fraser Valley communities 💬 Includes conversations, quick tips, personal experiences & more Ready to make your next move with clarity and confidence? 📅 Book a call: https://rly.forsale/Chat-with-Andy 📞 778-835-8957 🌐 www.AndytheRealtor.com