Trusted Tips and Resources

Trusted Tips & Resources

SASKATOON MORTGAGE BROKER Tammy Wandzura answers SASKATOON DIRECTORY fans MORTGAGE questions!

www.trustedsaskatoon.com  has evolved from just a SASKATOON DIRECTORY into a comprehensive Saskatoon resource tool when people are doing research BEFORE they buy.

We know that 95% of Canadians 25million plus internet users, do research online before they purchase...generally the more money something is...or the less they know about the subject ( that could be something like painiting and design or perhaps they want to learn more about Investing their savings) the more time will be spent researching and educating....now on each of the 40 category pages there is a link next to the category title: click here for tips and resources...when you click you are taken to our blog directory....just select the subject you are interested in from the Trusted Tips..or simply pick the category from the TAG cloud and see everything we have from our experts on the subject you are interested in........Smart and Simple...as always!!

Here our SASKATOON MORTGAGE EXPERT Tammy Wandzura answer some really timely FB fans questions on MORTGAGES in SASKATOON!

Summer Walker asked “ I want to know how to get the best mortgage rate possible from banks. What do you need to go in with to guarantee you get a low rate. What are the right questions to ask to get the lower rate. I know banks won't just offer it right away. First time home buyer here”

 

Tammy Wandzura a Trusted Saskatoon Mortgage Broker Expert said:

 “ Hi Summer, the traditional lenders do not offer their best rates up front. There is no way to know if they are offering their best rate. Typically they start high and only lower the rate if they know they are in a competitive situation. That is the beauty of working with a Mortgage Broker. We offer the best rates up front (from the same lenders that you are struggling with)

 

Kimberly Denis Robillard asked “ realistically, How much money should I have for a down payment on my first home? I won't be looking for another 2 yrs and I will be looking for a modest 3 bedroom. Sometimes I feel so overwhelmed when it comes to home ownership.”

Tammy Wandzura a Trusted Saskatoon Mortgage Expert answered

“ Hi Kimberly, the current rules (subject and rumoured to change in the future) is that you require 5% down to purchase a home. We have numerous programs available at this time to assist clients with Free down payment options, but there are many benefits to larger % down payments.”

There you have it folks...Trusted Tips from a Trusted SASKATOON MORTGAGE Expertsright here in Saskatoon...we are the Peoples SASAKATOON DIRECTORY and we care about you! 

 

Thanks Tammy Wandzura...you gave us Smart and simple responses....and to the point...

Stay Trusted my SASKATOON Directory friends..SAFE and TRUSTED of course!

SASKATOON MORTGAGE expert Trusted Tip on the SASKATOON DIRECTORY:"Does your mortgage broker or banker have the AMP designation?"

"Does your mortgage broker or banker have the AMP designation?"

AMP stands for "Accredited Mortgage Professional". It is the only national designation for Canada’s mortgage industry. CAAMP (Canadian Association of Accredited Mortgage Professionals) created the AMP designation in 2004 as part of their ongoing commitment to increase the level of professionalism in Canada’s mortgage industry. It upholds the highest standard of mortgage industry ethics and professional excellence. The AMP designation differentiates mortgage professionals from others in the mortgage industry. It demonstrates their commitment to providing you with the highest level of service while finding the best mortgage solution suited to your needs.

AMP’s are committed to finding the best mortgage for you, not the bank! They will explain all your mortgage options and provide you with peace of mind throughout the mortgage process. They can answer questions and provide knowledge from their high amount of education and experience in the mortgage industry. You’ll feel at ease when dealing with an AMP who has met the highest standards of industry performance, ethical business practices and commitment to ongoing education. A series of educational and mortgage experience requirements have to be met to receive the AMP designation and not everyone in the mortgage industry qualifies. As well, 12 + hours of educational courses &/or seminars are required yearly to renew the AMP designation. The AMP represents added value and access to the dedicated services of a professional who is focused on meeting your needs. Ask your banker, mortgage broker or mortgage specialist if they have their AMP designation? If not, look for the expertise of an AMP today!

For more information visit CAAMP’s website at: www.mortgageconsumer.org  

Find Trusted Saskatoon Mortgage brokers on THE Saskatoon directory of excellence. . 

www.trustedsaskatoon.com is the SASKATOON DIRECTORY of Trusted experts...yet we are MORE than just a Saskatoon Directory, we are a growing library of resources across many many categories.

Stay Trusted my Friends SAFE and TRUSTED Of course...always PURELY POSITIVE!  

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

TAMMY WANDZURA a Trusted SASKATOON MORTGAGE BROKER shares a Trusted Tip on the SASKATOON DIRECTORY

Purchasing your home is one of the biggest and most important decisions that you can make. Tammy Wandzura 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 Wandzura shares her first Trusted tip..and gives you a few things to think about!

Best Mortgage Products. Best Mortgage Rates. Best Service!!!

Did you know that the Government is changing their rules daily in regards to how much HOME EQUITY we can access?

Today we can access 85%….Rumor is that they are looking to lower that to 80%. If you are thinking of renegotiating your mortgage please call me asap before new Government legislation limits your ability to access your equity! 

Did you know: Not every discounted interest rate is created equaljQuery15207271220999740744_1336488810143

With records lows in Mortgage rates it’s important to understand that a discounted rate could come with “Strings attached” We ensure that we are not only placing you with a great rate-but also a mortgage product that has flexibility for the future! 

Everytime you refer someone to me (successful or not) your name goes into a draw for a $1000.00 Travel Voucher

Call Tammy Wandzura today at 933.3386 for all of your 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

 

 

Stay Trusted my friends ..SAFE and TRUSTED of course

Saskatoon Mortgage Broker expert TRUSTED TIP on Saskatoon Directory :Ways to Save Money on your Mortgage?

Ways to Save Money and Interest Costs on Your Mortgage

The main benefit to paying off your mortgage faster is reducing the overall amount of interest that you pay on your mortgage. What is one way you can do this? By using payment privileges provided by the mortgage lender. Depending on the type of mortgage you have, either open or closed, these are your options: With OPEN mortgages you can make extra payments of any amount as well as fully payout your mortgage at any time, without penalty. However, you usually pay a higher interest rate for this type of mortgage and privilege. CLOSED mortgages are the more common choice and also offer privileges for paying down the mortgage faster with the ultimate benefit of reducing the interest you pay over the life of your mortgage. These programs differ from lender to lender. At the end of the day, you would not choose a lender based solely on this. Payment Privileges usually offer a Few Different Options:

• Annual or periodic lump sum payments: Payments from 5%-25% of the original principal mortgage amount are allowed each year without penalty

• Increase your payment: You may also increase your current payment by 10% or even 100% each year.

• Double your payments: Some lenders also offer the option of doubling any and all payments.

• Accelerated payments (not monthly): Choice of weekly, bi-weekly, or semi-monthly payment.

The more often you make payments, usually the faster the mortgage is paid off. You usually end up making a few extra payments towards the mortgage each year because of the payment option you choose.

An example of how taking advantage of even one of these privileges can save you thousands is easily illustrated with the Accelerated Payment Privilege:

On a $280,000 mortgage that is amortized for 30 years at 3.5%, the regular monthly payment would be $1253.38.

The accelerated bi-weekly payment would be $626.69.

This would allow you to pay your mortgage off in 26 years instead of 30 just by changing your payments to accelerated bi-weekly (every 2 weeks)!

If you were to make a lump sum payment of 2% each year on that same mortgage with accelerated bi-weekly payments, you would pay off the mortgage in 16 years & 11 months and save $53,432 in interest expense...all for an investment of only $5600 each year, and you would be mortgage free 13.1 years earlier!

What is another great way you can save money on your mortgage?

Currently, there are some fixed mortgage interest rates at all time lows in Canadian history! So now is a great time to check with your mortgage broker to see if it is worth it to switch from your existing mortgage rate to a new lower rate. There are usually penalties involved to payout your existing mortgage early as well as possible appraisal and legal fees. But even with all those fees it could be well worth it and save you possible thousands of dollars in interest costs on your mortgage!

Find TRusted Mortgage Brokers 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 brags about TAMMY WANDZURA a SASKATOON MORTGAGE Expert on the Saskatoon Directory of excellence

"I just want to let you know that we all appreciated your help with this transaction. If it weren’t for you, my brother and I would not have been able to be neighbours and we thank you a million times over for making that possible! I called you in a panic and you helped me calm down, dealt with us immediately and efficiently, and got us a great mortgage with a great rate. So thanks from all of us Tammy, we’ll definitely be using you in the future and I would absolutely recommend you to anyone! " -Michelle

"Tammy, you have no idea how much we appreciate you. You get back to me on a Saturday night, and with an answer I wasn't expecting (in a great way!) You guys truly rock. Thank you SO much. I really appreciate you making this so easy for us, and helping us save some money at the same time! You are getting THE BEST recommendations/referrals from us!" -Lindsay Cheveldayoff

"Tammy, I have been wanting to send you a message for quite some time thanking you for all of your hard work and dedication regarding the refinancing of our mortgage this past spring. I had been doing some investigating on refinancing and contacting the banks on my own time, which was met with minimal success. I happen to have heard your ad on the radio a few times, and so the next time it came on I listened up and copied your contact information, and am I ever glad I did. I must say that I was hesitant to contact your office based on my past experience with anything 'mortgage related'. I certainly didn't expect the service that we enjoyed throughout our entire dealing with you and your group. Whether it was thorough and considerate replies to my rapid fire emails, taking my phone calls without delay, or your effortless work and 'out of the box' thinking in regard to our unique situation, you did not once disappoint. You are so personable and fun to work with that despite all the roadblocks (beyond both our and your control) that were put in our way, we still came out smiling once it was all said and done. I'm happy to report that we are currently enjoying a little more financial freedom, and a lot more peace of mind. Not only were you able to assist us with refinancing but you were able to educate us on the process, options, and what was best for us moving forward. We have been able to use some of our savings to enjoy a getaway to Vancouver for our anniversary this month. If there were an expression of gratitude bigger than thank you, it would be owed to you. We have made a trusted contact in you and will happily use your services in the future. So, thank you, for everything that you have done for us. We appreciate your dedication and expertise very much." -Jess & Chris

"I have always been intimidated dealing with other financial institutes. But, with Tammy I felt very comfortable, even empowered. I would like to say thank you for all your help and for educating be. Thank you! " -Loretta

This is a very powerful reminder that Trusted works for the CONSUMER, not the business....and as you have just read, there is NO DOUBT what so ever that Tammy Wandzura from TMG was doing an amazing job of doing just that well before Trusted came along...she rounds off this TRUSTED all women ( TMG) MORTGAGE category in Saskatoon beautifully, and we are thrilled to have her on board the Trusted Train.  

We know it is very clear from reading ( and hearing ) the stories above and in the client survey portion of the 'Trusted verification Process', that Tammy makes what can be one of the most stressful moments of a persons/couples/familes life/lives ...a much more positive experience..just by being there....

Tammy is NOT the kind of professional who shuts off their phone at 5pm on a weeknight ( none of Trusted Partners are to be honest)  ...or doesn't answer emails on a weekend or on vacation....not because she is a work-a- holic ( although that does help somewhat..as she probably admits to being just that ...she is smiling and nodding reading this Laughing) .....it's because she cares about her clients and wants to be the EASY part of the purchase and moving process......

Trusted hears of MANY MANY mortgage ' horror ' stories that haven't gone smoothly (People email and call us ALOT to share their experiences across the categories we cover on the directory, in the hope that others will not go through it too! We will listen , but we only hold our Trusted partners to account not others..so please choose Trusted and there is no risk) .....and we know the additional stress of having to constantly be the one who follows up to see where things are at, feeling frustarted and left in the dark, at what should be a happy , exciting time...is awful!

We believe that Tammy was born to do what she does and we have NO reservations saying that we GUARANTEE a GREAT Experience with her and her team, if you choose her for your next move up, down or anywhere in between! She is a fabulous and lovely addition to the SASKATOON DIRECTORY of excellence....remember we promote the BEST other directories just list the rest!

  

 

Stay Trusted my friends..SAFE and TRUSTED of coourse!

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129 21st St E #500
Saskatoon, SK   S7K 0B2
Ph: 306.244.4150

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