I was reading this article this morning and thought it would be of interest http://www.financialpost.com/news-sectors/story.html?id=1881109. This decrease in the housing starts may indicate that people are refinancing with the rates being as low as they are rather then building. You can expect these numbers are even lower in the Windsor area. There is an option that most people are not aware of. That is a refinance with improvements where you can get a little bit more money than you may usually expect. This is a great option if you would like to improve your home.