Purchasing your home is one of the biggest and most important decisions that you can make. Tammy Wandzura your Trusted Saskatoon Mortgage broker and the team at Elite Mortgage Choice believe that buying a home should also be an exciting experience with little to NO stress. By trusting your Saskatoon Mortgage Broker, you are ensuring that any stress you may have had in previous encounters can be eliminated!
Tammy truly believes that all you should have to worry about is opening the door to your new home for the very first time.. Heres Tammys Latest Mortgage Tip
As a Trusted Saskatoon Mortgage Broker it is important to me- that I not only provide the best service when you find your dream home but I am also assisting in giving back knowledge It’s also important for me to assist in educating consumers on how their credit works- and what you can do to create the strongest credit profile so that you qualify for the best terms, rates and lending the banks in Canada allow
I highly suggest that consumers avoid buying or leasing big ticket items or increasing debt while trying to prepare to qualify for a mortgage Purchasing a new car furniture, boat, ski-doo or major appliances can worsen your Debt vs Income ratio, which can make clients ineligible for the best loan terms.
The Mortgage Broker industry is fairly new compared to other industries. For many year the major chartered banks had a tight grasp on mortgage lending As a Mortgage Broker our industry has forced lenders to compete with rate, product and service levels. In the last year, 86% of bank customer used online banking. This data comes from a new J.D. Power and Associates report. It’s also reported that customer satisfaction has dropped a significant 5% at the major banks. It is getting to be very convenient to do as much of our personal banking over the phone, email, internet, fax etc.
We are here to work with you. We have been working with thousands of clients over the past 10 years positioning their mortgages quickly, effectively and efficiently over phone, fax and email. As your Trusted Saskatoon Mortgage Broker it is important that I have the best service available on the market. I have the continued experience & Knowledge directly related to everything “Mortgage” It’s our goal to assist you throughout the life of your mortgage. Giving you flexible lending solutions- and contacting you throughout the term(s) of your mortgage to ensure that you have the opportunity to change things if you need to.
I recently attended a CMHC (Canada Housing and Mortgage Corp) meeting It is always interesting to get CMHC’s perspective directly; as there is a lot of media that leads us-as consumers- to worry about the Canadian Housing market As we know the Media needs to sell –so some of the information can be exaggerated to make a good story CMHC indicated some really interesting information to us. First of all- the majority of clients that are buying CMHC insured homes have a 720+ Credit Score (that is very good), they are putting 20%+ downpayment (this is an average across Canada), and the average mortgage is $175,000.00.
Arrears (late payments) are well under control. In Saskatchewan we have had a strong and healthy market for the last 5-10 years – and the future is looking very positive Alberta had a little slow down, but they are also coming back strong. The fact that the Western provinces are holding strong- and stats across the country are showing that the Canadian Banking system is in good shape – is all very good news !!
Although the roller coaster of mandated changes to the mortgage rules in the past 12-24 months has seemed fast and many of us haven’t been able to understand some of the reasons to the changes…. It seems that the Canadian government has a good handle on what is best for us now and the future. We have seen rules tighten and loosen year over year. Depending on what is happening in the Global market will also determine what we see here in our back yard. AS a first time home buyer or an experienced home buyer I highly recommend hiring a Mortgage Broker We will be here to listen and to guide you in the right direction in everything mortgage related
Best Regards Tammy Wandzura
Call Tammy Wandzura today at 933.3386 for all of your Saskatoon mortgage needs OR visit www.elitemortgagechoice.com
Make an appointment with Tammy Wandzura at TMG, 506 Queen Street or check out her listing on the SASKATOON DIRECTORY in the SASKATOON MORTGAGES Category..she is a Trusted SASKATOON MORTGAGE BROKER Expert!
Listen to Tammys current Radio ad here! http://www.elitemortgagechoice.com/wordpress/wp-content/uploads/2012/02/SP0085.mp3