Trusted Tips and Resources

Trusted Tips & Resources

Saskatoon Mortgage Broker expert TRUSTED TIP: Top 10 Reasons Why to Use a Mortgage Broker.?

 

Top 10 Reasons Why To Use a Mortgage Broker

1. Get independent advice on your financial options.

As an independent mortgage broker, we're not tied to any one lender or range of products. Our goal is to help you successfully finance your home or property. We'll start by getting to know you and your homeownership goals. We'll make a recommendation, drawing from available mortgage products that match your needs, and we will decide together on what's right for you.

2. Save time with one-stop shopping.

It could take weeks for you to organize appointments with competing mortgage lenders - and we know you'd probably rather spend your time house-hunting! We work directly with dozens of lenders, and can quickly narrow down a list of those that suit you best. It makes comparison-shopping fast, easy, and convenient.

3. We negotiate on your behalf.

Many people are uncertain or uncomfortable negotiating mortgages directly with their bank. Brokers negotiate mortgages each and every day on behalf of Canadian homebuyers. You can count on our market knowledge to secure competitive rates and terms that benefit you.

4. More choice means more competitive rates.

We have access to a network of major lenders in Canada, so your options are extensive. In addition to traditional lenders, we also know what's being offered by credit unions, trust companies, and other sources not available to the public. And we can help you take care of other requirements before your closing date, such as sourcing mortgage default insurance if your down payment is less than 20% of the purchase price.

5. Ensure that you're getting the best rates and terms.

Even if you've already been pre-approved for a mortgage by your bank or another financial institution, you're not obliged to stop shopping! Let us investigate to see if there is an alternative to better suit YOUR needs.

6. Get access to special deals and add-ons.

Many financial institutions would love to have you as a client, which is why they often offer incentives to attract creditworthy customers. These can include up to 5% cashback for things such as down payment or whatever you choose, free legal fees and appraisals, retail points programs, discounts on appliances and more. We do the math on which offers might be worth your attention when it comes to financing or mortgage insurance - so you get the perks you deserve.

7. Things move quickly!

Our job isn't done until your closing date goes smoothly. We'll help ensure your mortgage transaction takes place on time and to your satisfaction. We are available 7 days a week, evenings and weekends, by phone, text, email & fax!

8. Get expert advice.

When it comes to mortgages, rates, and the housing market, we'll speak to you in plain language. We can explain the various mortgage terms and conditions so you can choose confidently.

9. No cost to you.

There's absolutely no charge for our services on typical residential mortgage transactions. How can we afford to do that? Like many other professional services, such as insurance, mortgage brokers are generally paid a finder's fee when we introduce trustworthy, dependable customers to a financial institution. These fees are quite standard and nearly industry-wide so that the focus remains on you, the customer.

10. Ongoing support and consultation.

Even once your mortgage is signed and paperwork is complete, we are here if you need any advice on closing details or even future referral needs. We are happy to be of assistance when you need it.

Information courtesy of Tamara Mezzo and Genworth Financial Canada

Find TRusted Saskatoon Mortgage Brokers here in the SASKATOON MORTGAGE Category on THE Saskatoon directory of excellence. 

Trusted Saskatoon Auto Repair & Tire Experts work together to answer a Facebook Fans question

We asked our Facebook Fans a question

Sick of being Ripped off? How can YOU help others AND win yourself? What tips would you like to have from our Trusted experts jQuery152046135281307204673_1336491493997 Let us know and the top 3 best TIPS will be selected ..then who ever has the most likes will win a $200 Gift certificate. It always pays to be a fan of Trusted Saskatoon!

Trish Planchot-Voldeng asked our Trusted Experts a REALLY good question: How do I know if a car repair shop is trying to sell me unnecessary parts and repairs? and do I really need winter tires?

" Unless Trish is a trained expert in automotive repair I am afraid she will never know if she is being ripped off. What she needs is a Trusted... shop that maintains her vehicle to manufactures specifications based on mileage and severity of driving conditions. This way she should almost never need “repairs” or have “breakdowns”. Most people have their car fixed after its broken. This is expensive in the way of unexpected down time and potentially having an accident which of course will cost a significant amount more than having the car repaired before it ever breaks down. The Canadian average to “maintain” their vehicle last year was $1384.00 which is $115 per month. If you let your maintenance go and don’t keep up with the manufactures service intervals, the maintenance costs WILL catch up to you along with breakdowns and that $1384 WILL turn into hundreds or even thousands all at one time which is very hard to budget for. Sorry for the long explanation. As for the winter tires, they are 100% recommended and consumers should watch a few video’s on Transport Canada’s web site. www.tc.gc.ca  Type “winter tire safety tips” in the search box and watch the videos.”Rod Janzen OK TIRE on 8th Street a Trusted SASKATOON TIRE Expert

"Trish,A good repair shop should be using a multi point inspection form with every customer. They should explain up front the work that will be carried out as well as the other items that the technician is likely to inspect. They should also explain what constitutes ‘green light’, ‘amber light’ or ‘red light’. When additional work is identified, the customer should have a complete explanation as to why and they should be offered the opportunity to see the old parts once they have been removed. This probably doesn’t completely cover all doubt, but I would question any organisation that doesn’t have some sort of inspection process that is explained to the customer. The winter tire question is a different one. I would refer to the federal and provincial government guidelines on that as well as SGI as an answer to that question." Thanks Trusted Saskatoon Auto Repair expert!

A Response from George at OK Tire on 22nd "Good morning Trish, try to have a relationship with the shop you are going to what i mean is alot of people jump from one shop to the next shop figuring they are getting ripped off but there not.Always ask to see what the shop is doing and get them to show you what is wrong. this way you will have a better under standing on how your car works.a good shop would have no problem showing you what u need . and if they refuse to show u  find a different shop. A good shop has clients not customers. never be afraid to ask a question that may seem silly there not...some of the silly questions can be explained.always look for a nice clean shop with no junk in bays ect. treat clients like i would like to be treated.if you dont ask you will never know. winter tires if you never have driven on winter tires you are in for a big surprise . WOW ask my wife Michelle before we got married she does alot of driving . in one month she had 4 accidents i always told her to put on winter tires . same story to expensive well after her fourth accident she decided to put on winter tires. belive it or not same driving habits she has not had one accident since they where installed. she also thought the same thing till she drove on these tires in winter driving conditions the wow factor came upon her. she would never be with out them again .she is a great beliver in winter tires and so are alot of other men and women trying is believing. you dont know how much better it is for start off and braking and also to avoid that accident . a good set of winter tires is the best. if you would like more information go on line you would be amazed on what u would learn" Thanks George at OK Tire a Trusted SASKATOON TIRE Expert!!

A response from Jeff at OK Tire on Circle Drive "Hi Trish, For anything you are not sure of you can always have the vehicle taken to another shop to get a second opinion or bring in a friend or somebody that you know that is mechanically inclined and have the mechanic go through the repairs required with that person. If the shop tries to force you to make a decision right away, have them put it back together and take it to another shop. I always offer that to my customers especially if it is something that they do not understand or are comforaible making the decision on their own. If you are not comfortable with a doctor's diagnoses you would get a second opinion, right, same thing applies to your vehicle. Winter tires, yes, very good investment in safety. I like to use shoes as a comparison, you can wear you dress shoes all winter long. You are going to walk very carefully so you don't slip and fall, now you put your winter boots on and you are running, stopping and turning. Same thing goes for your vehicle. If you have any questions you could always call me personally at 934-1919 Thanks and have a very Merry Christmas. Jeff. Thanks Jeff a Trusted SASKATOON TIRE Expert!

I will do my best to respond to Trishs' Question about auto repairs and winter tires. First of all to the question about auto repairs there are few steps I would take to ensure I'm not going to get ripped off. First thing I would do is ask around among friends/coworkers (Look for car oriented guys or gals who will no doubt be more in tune with the local car scene) if you get a positive response from this avenue check out the shops and see if they have a warrenty or a customer sastisfaction guarentee. Its not bullet proof but its a good start. Once you have picked a shop to do your repairs there will usually be a diagnostic fee (approx $150 ish) to determine the problems your vehicle is having and they should be able to provide you with an accurate estimate for the cost of repairs and if there are any unforseen parts or labour problems then they should always give you the heads up before they perform any more work at additional cost. Lastly if the first quote on repair is in the thousands of dollars it might pay (even for piece of mind) to spend the extra $150 to get a second diagnostic opinion it could save you more than it costs or just reaffirm that you're not getting ripped off. Lastly to the question of do I really need winter tires? I guess need is different to every person If you drive a sporty vehicle that comes equipped with summer tires then I would say yes you do need a set of winter tires because not only will travel be frustrating you are endangering yourself and everyone on the roads and sidewalks were you go. There is lots of scientific jargon and test data than can be quoted but at the end of the day you have to try winter tires for yourself they are in every way superior in winter driving conditions to a good set of All season or All weather tires they aren't a magic pill they don't turn ice and snow into summer driving conditions but if you drive responsibly in winter time a good set of winter tires will really help you make your daily commute safer.

Thanks to all the Ayto Repait and Tire Experts on www.trustedsaskatoon.com  

Check out www.trustedsaskatoons.com  YOU TUBE CHANNEL here for our Trusted Tips and videos..our latest tip is on this subject!! Funny how things work out!

 

 

 

Saskatoon Mortgage Broker experts TRUSTED TIP: What is a Mortgage Broker?

"What is a Mortgage Broker?"

A Mortgage Broker is basically a "middle man" between you and all the banks and mortgage lenders out there in the Canadian mortgage market. A Mortgage Broker searches and shops the market for you to find you the best interest rate, mortgage product and options FOR YOU, NOT THE BANK!

There are hundreds of different mortgage products and rates in the market that most people don't even have access to. A mortgage broker's job is to find them for you! We can usually offer you better rates and products, even from your own bank.

A Mortgage Broker is for EVERYONE...whether you have excellent credit, poor credit, a large downpayment, no downpayment, refinancing for a lower rate, need extra money on your existing mortgage, mortgage renewals, vacation home purchases including US Homes and much more!

It costs nothing to use a mortgage brokers services...they are FREE to you since the banks pay a finders fee to the broker for finding them new business.

Mortgage Brokers are flexible with your schedule and usually available 7 days a week, including evenings. They can arrange the whole mortgage by phone, fax &/or email and are also available to meet in person at your convenience.

So why not check out your options first with a mortgage broker for one of the biggest investments you will ever make..it could save you THOUSANDS!

Find Trusted Saskatoon Mortgage Brokers listed here in the SASKATOON MORTGAGE Category on THE Saskatoon directory of excellence.

 

 

Tip provided by Tamara Mezzo- who was a Previous Trusted Saskatoon Mortage Broker

Trusted Saskatoon Real Estate experts TRUSTED TIP on Buying your FIRST Home

TRUSTED Ssakatoon realtor Real estate TIP for First Time Home Buyers 

Thinking About Buying Your First Home?

With interest rates low, many renters are starting to think about purchasing a home of their own. While simple rental cost vs. mortgage cost comparisons can be very attractive, buying a home is a serious commitment, and there are many factors to consider:

How long you plan to live in the home.

Selling a home costs money. If you potentially may have to move in the short term, the value of your home may not have appreciated enough to cover the costs of buying and selling. The length of time that it will take to cover those costs depends on various economic factors. Average appreciation tends to sit at around 5% per year. In this case, you should plan to stay in your home at least 3-4 years to cover buying and selling costs. The real estate market can be particularly volatile, however, and dramatic swings up and down are not uncommon.

How long the home will meet your needs.

What features do you require in a home to satisfy your lifestyle now? Five years from now? People tend to remain in homes longer than they initially intend, primarily due to the work and expense associated with moving. Therefore it is worth considering a home with room to grow. Could the basement be turned into a den and extra bedrooms? Could the attic be turned into a master suite? Having an idea of what you'll need will help you find a home that will satisfy you for years to come. Your financial health - your credit and home affordability.

Is now the right time financially for you to buy a home?

Would you rate your financial picture as healthy? Is your credit good? While you can always find a lender to lend you money, people with poor credit tend to pay far more to borrow. Some say that you should refrain from borrowing as much as you qualify for because it is wiser not to stretch your financial boundaries. The other school of thought says you should stretch to buy as much home as you can afford, because with regular pay raises and increased earning potential, the big payment today will seem like less of a payment tomorrow. It is, however, important to stay within your comfort zone. Purchasing a house involves many up-front and ongoing costs, and the stress of worrying about those costs often outweighs the satisfaction that may come from owning a slightly nicer home. To determine how much home you can afford, talk to a lender or go online and use a home affordability calculator. Good calculators will give you a range of what you may qualify for. Then call a lender. While some may say that the "28/36" rule applies, in today's home mortgage market, lenders are making loans customized to a particular person's situation. The "28/36" rule means that your monthly housing costs can't exceed 28 percent of your income and your total debt load can't exceed 36 percent of your total monthly income. Depending on your assets, credit history, job potential, and other factors, lenders can push the ratios up to 40-60% or higher. While we're not advocating you purchase a home utilizing the higher ratios, it’s important for you to know your options.

Where the money for the transaction will come from.

Typically, homebuyers will need some money for a down payment and closing costs. However, with today's broad range of loan options, having a lot of money saved for a down payment is not always necessary - if you can prove that you are a good financial risk for a lender. If your credit isn't stellar but you have managed to save 10-20% for a down payment, you will still appear to be a very good financial risk to a lender. High-ratio mortgages can be a good option for those who haven’t managed to save a large chunk of money (who has?), but naturally, these have additional costs associated with them.

The ongoing costs of home ownership.

Maintenance, improvements, taxes, and insurance are all costs that are added to a monthly house payment. If you buy a condominium or townhouse, a monthly homeowner's association or maintenance fee will be required. If these additional costs are a concern, you can make choices to lower or avoid these fees. Be sure to make your Realtor® and your lender aware of your desire to limit these costs. If you are still unsure if you should buy a home after making these considerations, you may want to consult with an accountant or financial planner to help you assess how a home purchase fits into your overall financial goals.

check out the Trusted Saskatoon Realtors on their listing here in the SASKATOON REAL ESTATE Category on THE Saskatoon directory of excellence.

 

 

Stay Trusted my friends..Safe and Trusted of course!

Trusted shares seasonal goodwill with local charity as we strive to reach 1000 Trusted Saskatoon Facebook fans!

Get into the Christmas spirit with www.trustedSaskatoon.com.

We would love to reach the magic number 1000 fans....so we have an incentive...like the Trustedsaskatoon.com Facebook Group here then share the Facebook post on our wall about this incentive, which invites people to Fan Trustedsadskatoon.com. Once we reach 1000 fans...a lucky fan will be selected at random to receive $500- $250CASH for themselves and $250 which will be donated to a local Saskatoon charity of their choice! It always pays to be a fan of Trusted.....

So FAN,  LIKE and then SHARE the post on your wall to be eligible to win...the quicker we get to 1000...the quicker someone wins and a local charity benefits too!!!

In our short history Trusted has a history of Community involvement here are just some of the previous blogs about this on www.trustedcanada.com

In August 2011:  Trusted community involvement Trusted believes in giving back and will be having a consistent presence in community charities/ non profits and events in all of the Trusted cities we service..in July we sponsored the Tourism Saskatoon golf tournament , we are partners with Tourism Saskatoon , as we know many newcomers visit places they are moving to BEFORE they move and we want to be able to provide them with Trusted resources..think about it .. things like Trusted Hotels for when they visit ...and then Trusted realtors, mortgage brokers, legal and financial services to assist them if they are considering relocation to the city..then of course we have all the Trusted services and stores they need once they get here..how better to give a good impression to potential newcomers than to provide a helpfull resource like www.trustedsaskatoon.com to ensure their first experiences are positive ones...check out Tourism Saskatoons banner ad that appears on our home page!

With that in mind, we are thrilled to be sponsoring a WONDERFUL Fundraising event for Child Find Saskatchewan at the Saskatoons Broadway Theater on Wed September 21st at 7pm. Child Find Saskatchewan is a Provincial charitable organization that educates and advocates for the protection and rights of children and youth. They believe all children have the right to be safe. They are excited to present The amazing : Dr. Draw. Dr.Draw is a Canadian electronic band, after the nickname of their leader Eugene Draw. Draw plays electric violin like you have never seen before and incorporates a guitarist, an electronic keyboardist, an electric harpist, an electric cellist, a rock bassist and a drummer. Dr. Draw’s musical repertoire spans the globe, incorporating many different elements such as rock, classical, pop, electronica, fusion, world and new funk, making this eclectic mix appealing to a diverse audience. Dr. Draw made indie music history in Toronto in 2007 as all three of his albums charted on the official Top 30 Nielsen Sound scan sales chart for his CD “Adagio” Monies raised at this fundraiser will help Child Find Saskatchewan promote awareness of the issues relating to missing children...and it will be a darn good show too! "A MISSING CHILD IS EVERYONES RESPONSIBILITY" Tickets : $40 Tickets can be purchased by calling Child Find Office (306-955-0070). Broadway Theatre will also have tickets for sale (website and from box office). www.broadwaytheatre.ca/eve‚Äčnts.php

Nov 2011: Trusted founder Sara Wheelwright is one of the 100 Women in 100 days for Habitat for Humanity Regina inititiative 2012 posted by Trusted Canada | December 15, 2011 07:58 www.trustedregina.com 's first OF MANY non profit and community projects that Trusted founder Sara is supporting across the province , she is one of the 100 women involved in this amazing initiative! Trusted believes in giving back to the community as an ongoing commitment. Regina Habitat for Humanity 100 Women in 100 Days - Nov. 1 - Feb. 8, 2012 What is 100k in 100 Days? 100k in 100 Days is an initiative being undertaken by a group of exceptional women in Regina. The goal of the group is for 100 women to raise $100,000 in 100 days. $100,000 will cover the costs of materials to build a home for a hard-working family who will put in a minimum of 500 sweat-equity-hours towards the building of their home and then pay an interest-free-mortgage. The interest-free-mortgage will allow them to escape high rent payments and begin saving for their future. Participants in this exciting initiative are encouraged to not only contribute financially to this build but also by volunteering on site as well. Build volunteers need not have experience. Our journeyman carpenters will oversee the project from beginning to end ensuring the family has a solid, well-built home to live in. Teams of five or six volunteers will enjoy time on the job site learning and contributing to the house that will become a dream come true for a family looking for their very own home. If you'd like to be one in a hundred contributors/volunteers please call Trish Bezborotko, Director of Fund Development and Communications, Habitat for Humanity Regina at 522-9700 or email tbez@habitatregina: Cheques can be made payable to Habitat for Humanity Regina, please put in subject line 100 K in 100 Days and mail to 1740 Broder St., Regina, SK S4N 2H7. We can also process your donation on VISA or Mastercard. Please call us at 522-9700 to donate using a credit card.

 

  

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TrustedSaskatoon.com
129 21st St E #400
Saskatoon, SK   S7K 0B2
Ph: 306.244.4150

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