Trusted Tips and Resources

Trusted Tips & Resources

Tammy Wandzura a Trusted Saskatoon Mortgage Broker Tip- what is a mortgage broker

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 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.

What is a Mortgage Broker? What are the benefits of working with a Mortgage Broker? Tammy Wandzura AMP with TMG The Mortgage Group is a Trusted Saskatoon Mortgage Expert , here she shares all the reasons you need to call her today and start saving money!

Call Tammy Wandzura today at 306 933.3386 for all of your Saskatoon mortgage needs OR visit www.elitemortgagechoice.com

Make an appointment with Tammy Wandzura at TMG, #1-511 1st Ave N 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 

 

Your Mortgage Now Trusted Saskatoon Mortgage Experts share a tip on 19 Genius Things For Your House

Buying a home is one of the most important and exciting steps in your life.... now that pesky financing! Deal with people who can offer you and your family the best options for you with Your Mortgage Now! Devin Cristo and Wes Will are your Saskatoon Mortgage Experts and they have years of experience helping individuals and families finance their dreams by offering mortgages from a variety of lenders for people from all walks of life.

They are your Trusted Saskatoon Mortgage Experts!

Here they share a tip on 19 Genius Things For Your House That Will Make Everyone Visit You:

Must Have #7 Immediately. Making your house feel like a home can be as simple as hanging some paintings, adding a small garden… or buying some really awesome furnishings. (The latter, of course, is a lot more fun.) You won’t be able to find many of these items at your local IKEA. However, if there’s a will to make a house as awesome as possible, there’s a way.

There has to be a way to get your hands on some of these cool products.

1. Collapsable shelf-stairs. For all of your shelving needs. 

 

 

2. The Fletcher Capstan Table (an expandable table). 

 

 

3. A mirror and ironing board combo.

 

4. A beautiful bench that transforms into a dining set.

 

5. Is that a couch… or a bunk bed? Answer: BOTH.

 

6. The cube kitchen you never have to see if you don’t want to 

 

7. A bedroom and living room all-in-one

 

8. A completely transparent, gorgeous TV 

 

To see all the other genius things for your home CLICK HERE! 

 

A home or apartment with ANY of these items would officially be 25% cooler. Although, if I had to unfold a table every time I wanted to sit down, I would probably just end up sitting on the floor.

 

If you have any questions regarding morgages, please give us a all today at (306) 244-7755 or email us devinandwes@yourmortgagenow.ca

 

Find them on Facebook here! 

 

Tammy Wandzura a Trusted Saskatoon Mortgage Broker Expert shares a great tip on Purchase Plus Improvements for first time Home owners

Saskatoon Mortgage Broker: First Time Home Buyers Important info

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 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.

Here Tammy shares a great tip on Purchase Plus Improvements for first time Home owners:

Purchase Plus Improvements – First time Home owners…

You need this info!

New rules were implemented months ago that do not allow you to access the equity in your home until you have more than 20% equity built up.

That means it will take years to build enough equity to pull money out to put towards home renovations and upgrades.

Purchase PLUS improvements allows you to ADD extra money onto the mortgage when you PURCHASE your home. Allowing you the opportunity to complete your basement, your driveway, do a much needed kitchen or bathroom reno or build a garage!

Contact me for all of your mortgage needs!

 

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, #1-511 1st Ave N 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

 

Tammy Wandzura a Trusted Saskatoon Mortgage Broker Expert has been awarded Best Of Saskatoon Mortgage Broker Award

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 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.

Here Tammy shares some great news that she has been awarded Best Of Saskatoon Mortgage Broker Award :

 

Thank you Saskatoon for Nominating me and Voting me in as Saskatoon’s Best Mortgage Broker!  Having the opportunity to win such a prestigious award means that I am servicing my clients.

My goals have always been very simple, it comes down to providing outstanding Customer Service that you will be proud to talk about.  Referrals are my biggest compliment & has been how I have built my business to date, I have the knowledge to assist you with any scenario Mortgage related!

I communicate to you throughout your application, pre-approval & Approval and I have process’s in place to make the entire process smooth, easy & most of all-Fast!  In a fast paced real estate market I understand the need to move things along quickly and…I have the best Mortgage support staff in the City!  All have come to me with years of experience in the Finance & Mortgage industry.

Why use MY Mortgage services?

  • There is NO cost to using a Mortgage Broker
  • Better rates and Better service

There are many Banks and many more Mortgage Brokerages in Alberta & Saskatchewan.  I have worked very hard in the last 10 years listening to my clients needs & then setting up my service guidelines to match what you have been asking for. There is never a situation where we do not WOW you with our amazing service standards.  That is the simple difference!

I invite you to check out my client testimonials & get a true idea of how I can help you with your Home Purchase, Build, Refinance, Home Equity Line of Credit or Renewal.

Visit my website today at http://www.elitemortgagechoice.com/ or call me at 306.933.3386

Merry Christmas and Thank you so much for the “Best Of Saskatoon Mortgage Broker” Award!

~~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, #1-511 1st Ave N 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

 

 

Your Mortgage Now your Trusted Saskatoon Mortgage Experts share a tip on Consolidating your debt with your mortgage

Buying a home is one of the most important and exciting steps in your life.... now that pesky financing! Deal with people who can offer you and your family the best options for you with Your Mortgage Now! Devin Cristo and Wes Will are your Saskatoon Mortgage Experts and they have years of experience helping individuals and families finance their dreams by offering mortgages from a variety of lenders for people from all walks of life.

They are your Trusted Saskatoon Mortgage Experts!

Here they share a tip on Consolidating your debt with your mortgage:

 

 

Debt Consolidation with Your Mortgage

With the availability of credit, you may have a car loan, credit cards or other debt starting to mount, and maybe taking a toll on your budget. For some, it can be easy to max your credit card, get that new car loan, but then find it hard to keep your payments under control. You may want to consider increasing your mortgage to pay these debts out. This will not only reduce your monthly commitments, but also ease the strain on your monthly budget.

If you are thinking about consolidating other debts with your mortgage, you may have questions like:

  • Can you consolidate your current debts into your mortgage?
  • Will my current bank or lender allow me to do that?
  • What will be my monthly repayments on my increased mortgage?
  • Banks or lenders lend against the value of your home, do you have enough equity in your home to increase your mortgage to pay out those debts?

There are many options if you are thinking about consolidating your current debt into your mortgage. It is important to speak to a qualified Mortgage Broker to see which option suits your financial situation. A Mortgage Broker will look at your current bank or lender, and if that doesn't suit, look at different banks and lenders they deal with, so they can explore many different options, and find one that suits you best.


What Type Of Debts Can You Consolidate With Your Mortgage?

All banks and lenders have different rules about what you can consolidate into your mortgage. It is important to get some information from your Mortgage Broker first, so you can learn what you can do, and then make an informed decision on what is the best option for you. Some of the types of debt you can consolidate are:

  • Credit Card Debt;
  • Car loans or personal loans;
  • Business Debt;
  • Tax Debt;
  • Investment Debt.

What Are The Advantages and Disadvantages Of Consolidating Other Debt With Your Mortgage?

Some advantages and disadvantages of consolidating your current debts with your mortgage may include:


Advantages

  • Your interest rate on your mortgage is more than likely cheaper than credit cards and other loans, saving you money.
  • You monthly commitments (repayments) may be reduced, helping your monthly budget out.
  • You may want to make a plan paying that debt down faster by consolidating it into your mortgage, and paying more than the minimum repayment, thus saving you money and interest charges. 

Disadvantages

  • Although the your minimum monthly repayments may of been reduced, some of the debt in the longer term may cost you more money. For example: a car loan may of been taken over a 5 year loan term, but on your mortgage, even though the interest rate may be cheaper, your mortgage may be over a term of up to 25 years, therefore increasing the amount of actual interest you pay on the original car loan, as it is now paid over the remainder of your mortgage term.
  • Reduces the equity in your home. This may be an issue in the future, if you want to buy another home, investment property etc.
  • There maybe a fee to increase your mortgage or refinance your mortgage to another bank or lender.


It is important to talk to a Mortgage Broker, and determine what may be best for your financial situation before you make any decisions. This way you can learn the pro's and con's of consolidating other debts into your current mortgage, and make an informed decision.

 

If you have any questions regarding this topic, please give us a all today at (306) 244-7755 or email us devinandwes@yourmortgagenow.ca

 

Find them on Facebook here! 

 

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S & E Trusted Online Directories Inc
TrustedSaskatoon.com
129 21st St E #500
Saskatoon, SK   S7K 0B2
Ph: 306.244.4150

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