Trusted Tips and Resources

Trusted Tips & Resources

Trusted Saskatoon Mortgage Broker: Tammy Wandzura explains the Mortgage Approval Process

Purchasing your home is one of the biggest and most important decisions that you can make. Tammy Wandzura is a Trusted Saskatoon Mortgage broker and the team at Elite Mortgage Choice, Saskatoon believes 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! 

Mortgage Approval Process

Being READY, ORGANIZED and ENGAGED are the keys to a successful Mortgage Approval process.

We are here to walk you through the steps from PREAPPROVAL to POSSESSION date so that you have the information you need to make big decisions in a timely manner.


  • As your Mortgage Broker, we are here to do a full pre-qualification.
  • We ensure you have ALL of the information you need to make informed decisions about the largest purchase and investment you will ever make.
  • We are Provincially legislated to work in your best interests.
  • There is no cost to using our services.
  • We are knowledgeable about everything related to mortgages, including any new mortgage rules or requirements that may impact your decisions.
  • We review your file and find the best lenders, rates, terms and conditions that meet your current and future financial goals.
  • We are speedy.  Our response times include evenings and weekends when necessary to keep your file moving in a timely manner.
  • We walk you through every step of the process in an easy to understand manner.
  • We organize the process for you so that the entire experience is exciting and well understood.
  • We really care.  Although most of our process is over the phone and email, we are located locally and we are here for you every single step of the way.

Each applicant will have different information that has to be collected depending on their employment status, length of time at employer, where the downpayment funds are coming from and overall credit health.

We collect ALL of the needed supporting documentation along with a FULL application at the time of pre-approval request.

This ensures that the information we have on file will match what the lender will accept and support once you have an accepted offer in on a home you wish to purchase.


We are here to walk you through each step of ‘the process’.  We are not the bank. We are here to ensure that we structure the application and the mortgage approval request in a way that the lender will support and easily/quickly approve, all while setting up a mortgage that meets your future needs and financial goals.

We make the process as simple as possible.

Our motto is: Mortgages. Simplified.

In saying that there is information you must disclose and paperwork that must be provided in order for us to present the best lender options and rates available on the market.

Unfortunately, we cannot run hypothetical figures based on the information we gather from you over the phone.  We do need a full application and supporting documentation.

We are here to create a success story for you.  The more organized we are in communicating solid information to you; the simpler the process for you. 

Why do we check your credit when you are only asking for a PRE-APPROVAL?

Your credit score is a huge key to the entire mortgage approval process.

The new mortgage rules outlined by the Federal Government in October 2016 made your credit score more important than ever.

Your score and the overall health of your credit will determine what lenders may consider your application, your total maximum purchase price and rate in some cases.

Your credit is important to us!

Our goal is to ensure your credit is healthy and stays healthy through the life of your mortgage (25 years), to ensure we can assist you with your renewal options in the future.

We are happy to provide tips and suggestions to build stronger credit throughout the pre-approval process.

We have a 5-star review on GOOGLE because we treat each transaction like our very own mortgage approval.

Our database has been built from amazingly happy clients that refer our services to their friends, family and colleagues.

We are speedy, knowledgeable in everything related to mortgages and we are able to provide same-day pre-approvals.  

Communication is the single most important part of the entire transaction.  We explain things thoroughly and clearly, in a way that you can understand.

Most important we are always here with you through the process to answer any questions that may come up.

What is the process?

We are dedicated to amazing communication – which includes speedy reply time.

For that reason, we have an amazing process that allows us to move fast even if you have tight timelines to meet.

  • APPLY ONLINE at www.elitemortgagechoice.com
  • This information comes directly to us and allows us to start a file for you
  • We will be in touch with you to fill in any gaps that are unique to your situation
  • We will provide you with a list of paperwork we need to review and add to your file
  • Documents should be sent to us electronically when at all possible
  • We will then provide you with the numbers of your mortgage pre-qualification for your full review
  • We are able to provide referrals to Realtors, Lawyers, Home Inspectors etc (if needed)
Most of our process is done over email, online, phone and fax.  

We are always available via email OR phone 306.933.3386 to answer any questions.

You will be hearing from Tammy (Mortgage Broker), Marie (Tammy’s Executive Assistant) or Brydon (Mortgage Associate) throughout the process of your application.

We can review your information now to prepare you for the future.

Thank you for taking the time to read and educate yourself on what steps you may need to take to consider homeownership.

I am here to work with you every step of the way!


Tammy Wandzura is a Trusted SASKATOON MORTGAGE BROKER  





Trusted Saskatoon Team Brag About Mr Fixer A Trusted Saskatoon HandyMan

We can't tell you how many calls and requests we have had over the years for a Trusted Saskatoon handyman, so we are thrilled to announce we found one!! 

We are excited to welcome Wes Doerksen, AKA Mr Fixer to the Saskatoon Directory of Excellence in the Saskatoon Contractors category! 

In addition to his handyman skills, Wes also offers a wide range of expertise in general contracting services to Saskatoon, Warman, Martensville and the surrounding area. With over 20 years’ experience in the construction industry Mr. Fixer is able to handle any of your small or medium sized jobs from Plumbing to Drywall, Electrical to soffit & fascia repair, Wes excels in all aspects of home maintenance, repairs and improvements. 


Mr. Fixer Is A Trusted Saskatoon Handy Man and Home Repair Expert. 

 

It is very evident that Wes prides himself on fast, friendly service. As we have verified as part of the Trusted application process, he carries all relevant licenses and insurance so this offers his customers peace of mind. His decades of professional experience provide a level of expertise and flexibility that means he is an expert in small or medium jobs. Wes is passionate about what he does and he strives for both quality workmanship and outstanding communication. 


But don’t just take our word for it, read what happy customers had to say when we spoke to them as part of our customer survey stage:


 
"I hired Wes to reinforce my deck as well as repair my sump pump. He had fair pricing and did great quality work. I was impressed with his responsiveness and how tidy he worked. I found him very easy to talk to, honest, and trustworthy. I will definitely use his services again." Steph Sim, Saskatoon
“I was so please by the work Mr. Fixer did for me. He is easy to talk to in fact he kept open communication with my through my whole project, I found this to be a step above others I have dealt with. I was pleased with how well Wes managed his time and how accommodating he was, he will be the first one I call when I have another project that needs doing.”  Carol

“Wes has helped us out more than we’d like to admit! First with our bathroom where we demolished everything down to the studs.Wes drywalled, taped, mudded and sanded for us and did a great job, Then he helped us again when we ripped apart our front entrance! He’s saved us so much time and we are so happy, Highly recommend!” Suzy McCracken, Saskatoon.


Eliminate the hassle and get things fixed with Mr. Fixer!

If you are a frustrated homeowner too, we recommend Wes, he is determined to make home maintenance an honest, easy and pleasant experience.

 

Mr. Fixer Is A Trusted Saskatoon Handy Man and Home Repair Expert  


Trusted Saskatoon Flooring Store End Of The Roll Share General DIY Flooring Tips!

Located at the corner of 44th Street East and Faithful Avenue, End Of The Roll - Saskatoon has been providing brand name flooring at affordable prices for decades. They invite you to visit their large showroom which has a great selection of inventory in stock. They always have great monthly promotions, and items in-store at clearance prices.  In their latest Saskatoon Flooring tip they share DIY tips for flooring design. End Of The Roll Saskatoon Is A Trusted Saskatoon Flooring Store



General DIY Tips: Getting Started 


If you’re here, then you are looking to install some flooring. While this is by no means a step-by-step on how to get it done, it is a list of general things to look out for while you get down to it. From preparation to the finishing touches, there is a lot to keep in mind.

Preparation may just be the most important phase of installation. Here are a few tips to get you started and, with any luck, eliminate any problems before they occur!


1. No matter what type of flooring you are about to install, make sure the room you are installing it in is square.

You could run into frustrating issues later if you found out one end of the room is 3 inches wider than the other half-way through your installation. Armed with this information, you will better know what comes ahead while cutting your flooring to fit.


flooring_diy_02.jpg

2. Visualize your board layout ahead of time to create a balanced appearance in your flooring.

Nothing ruins the balance of your flooring installation more than getting to the end and realizing your last row of planks needs to be cut to a tiny sliver. Avoid this by measuring the length of the room and calculating how many boards you need to fill it. If it turns out that the last row of planks will be cut back leaving a thin board, you can instead cut a little off the first row to make the first and last rows match. Never use less than half the width of a plank. This will help keep the flooring visually even without an unsightly cut on one side of the room.


3. Smooth out that subfloor.

Working on an uneven surface will only cause more problems later. This is also a good time to check for any creaks and address those while nothing is in the way. If you’re installing tile, you may want to look into a self levelling compound. The flatter the surface you are installing on, the less likely you are to encounter “lippage” or the edges of each tile not matching up evenly.


Each flooring type will present its own unique challenges while installing and some are much easier than others. Be sure to do your research on the type of floor you are installing and that you are ready to take on the task. There are plenty of options for DIYers of any skill level, ask one of our flooring advisors what will best suit you!


End Of The Roll is a Trusted Saskatoon Flooring Store!


Trusted Saskatoon Fooring Store End Of The Roll Shares Expert Advice On Flooring And Allergens

Located at the corner of 44th Street East and Faithful Avenue, End Of The Roll - Saskatoon has been providing brand name flooring at affordable prices for decades. They invite you to visit their large showroom which has a great selection of inventory in stock. They always have great monthly promotions, and items in-store at clearance prices.  In their latest Saskatoon Flooring tip they share patterns and ideas for flooring design. End Of The Roll Saskatoon Is A Trusted Saskatoon Flooring Store



FLOORING AND ALLERGENS - A QUICK CLEANING GUIDE

We all love our fur-friends. Our pets are a part of our family. However, with them comes a host of airborne allergens which can become trapped in carpet and area rugs, and even swept into corners with hardwood and laminate.

According to studies, more than 50 million adults suffer from pet-related allergies yearly and a whopping 90% of households contain allergens from dogs and cats. Even if your family is lucky enough to have no noted allergies, you want to know how to accommodate visitors into your home.

VACUUMING

The first recommendation is a good vacuum. Aside from preventing allergens, a quality vacuum is necessary for carpeted households. Even hardwood, luxury vinyl, and laminate flooring can benefit from a gentle vacuum as opposed to a broom. Brooms can be effective for pet hair, but the dander tends to not be picked up properly. A vacuum will do the trick quickly and efficiently. It’s important to note that a vacuum with a HEPA (high-efficiency particulate air) filter is going to be a solid investment for your home and regular cleaning of all flooring surfaces.

MOPPING 

Once you’ve vacuumed your carpet and hard surfaces, be sure to go over any laminateluxury vinyl, and hardwood with a good mop and approved cleaning product. Use unscented cleaning products, as products with a strong scent, can exacerbate allergy symptoms in sufferers. Mopping in combination to vacuuming hard surfaces ensures your floors are getting a thorough cleaning.

DUSTING

Dusting hard surfaces is essential, as dust and other allergens collect. Dusting surfaces with a microfiber cloth ensures that any airborne allergens will cling to the cloth instead of simply being moved around. 

TIPS & TRICKS

Other helpful tips to maintain a low level of allergens around the house are easy enough to incorporate into your day to day life. It is recommended to wash your bedding weekly, especially if your furry creatures like to snuggle there.

Vacuuming upholstery and couches is essential if your critters crawl up onto them; you might be able to deter them while you’re home, but the reality is when the house is empty, your pup will jump up.

Lowering humidity helps decrease the number of allergens present. It’s important to make sure that your bathrooms have fans, and while showering and bathing, make sure you’re using these to reduce moisture.

Lint roll between regular cleanings. This reduces the overall amount of work and takes only moments per day.

Bathe your pet regularly. Luckily, most cats are excellent when it comes to self-grooming. However, your dogs may need a bit of extra love. Be sure to clean out the bathtub properly afterwards as well.

Remember that a thorough cleaning such as vacuuming or sweeping your floor will temporarily kick up more allergens into the air. If you have a houseguest arriving with known pet allergies, it is best to clean your home and flooring the day before they arrive as opposed to the day of.

CONCLUSION

Nobody said pet ownership was going to be easy … did they? With such a high percentage of allergy sufferers, there are steps that can be easily put into place to ensure your home remains a happy home – for every member of your family. You’ll enjoy breathing easier, and your pets will enjoy the extras of being pampered!

End Of The Roll is a Trusted Saskatoon Flooring Store!


Trusted Saskatoon Flooring Store End Of The Roll Shares Winter Wonderland Wedding Inspiration

Located at the corner of 44th Street East and Faithful Avenue, End Of The Roll - Saskatoon has been providing brand name flooring at affordable prices for decades. They invite you to visit their large showroom which has a great selection of inventory in stock. They always have great monthly promotions, and items in-store at clearance prices.  In their latest Saskatoon Flooring tip they share patterns and ideas for flooring design. End Of The Roll Saskatoon Is A Trusted Saskatoon Flooring Store


WONDERFUL WEDDINGS: HOW TO DECORATE YOUR FLOOR FOR A HOME WEDDING

Did you know that there are over 2 million weddings every year? If you've always dreamed of a winter wedding, there's nowhere cozier than your own home. Not only can a home wedding help cut your costs, but the event will be more intimate and special.

Here are 5 home wedding ideas you can use to transform your floor space!

UPDATE YOUR FLOORING FOR A WEDDING RECEPTION AT HOME

One of the best tips for making your home look and feel its best is to update your flooring. If you have carpet, making the switch to hardwood flooring or any hard surface option can breathe new life into the environment.

Wood looks fabulous in any home, and it also adds extra warmth to homes built in cooler climates. The rustic feel of the wooden texture, along with its natural earthy tones that contrast with the winter decorations, will guarantee to stun every guest that steps foot into your house.

CONSIDER USING FAKE SNOW TO DECORATE

If you're planning a winter wedding, chances are you love snow. While you can't bring snow inside, you can buy realistic decorative snow. Get creative with where you sprinkle the fake snow: use it to create an aisle, dust it around statement décor, and much more.  Not only will it add a beautiful, modern look to the home, but it will also make it feel more realistic to a winter wonderland theme!

COZY HOME RECEPTION IDEAS: BRING THE OUTDOORS INSIDE

Why stop at snow when there are so many other beautiful decorations nature can provide?! While you can forage pretty sprigs, pinecones, berries, and flowers yourself to save money, you can also buy local at an affordable price. Pansies, holly, and poinsettias are a few of the many gorgeous flowers that bloom in the winter.

Another way to warm up the ceremony, especially when it comes to where you will exchange your vows, is with a new area rug! Use this as the focal point on where you and your partner will stand to share your vows, exchange rings, and so on. As a bonus, you’ll have an amazing area rug you can use in your new home as you celebrate your new life together!

DON'T FORGET TO LIGHT UP YOUR WINTER HOME WEDDING

Lighting is essential for weddings; It sets the mood, allows for high-quality pictures, and adds warmth.

You don't have to reserve your lights for the ceilings and walls. One great idea for a winter wedding is to use white Christmas lights to create walkways or highlight the perimeter of the room.

If you have enough Christmas lights, you could dim the main lighting after the ceremony. The soft glow from these lights creates the perfect ambience for romantic dancing.

USE A STATEMENT TREE

Turn your house wedding into a winter wonderland with a statement tree!  Having a Christmas tree decorated to the brim is one of the best accents to your winter wedding. It's inviting, dazzling, and can even add a fresh scent to the room. A nice touch to your tree could be a custom ornament that displays the date of your wedding ceremony.

The best part about having a tree is that guests can leave their wedding gifts under it without them looking clunky or out of place. If you love the holidays, having a winter wedding can feel like a second Christmas.



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S & E Trusted Online Directories Inc
TrustedSaskatoon.com
129 21st St E #400
Saskatoon, SK   S7K 0B2
Ph: 306.244.4150

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