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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

 

 

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.. Heres Tammys Latest Tip

 

I want to take this time- to welcome the Sunshine Back to Western Canada! Those of us in the prairies have a very hard time with days and days of rain! We will take a blizzard over a week of rain any day!

It has always very important to me to keep my past, present and future clients updated on what is happening in the Mortgage Market This June 2012 Update contains some very important changes to the Canadian Mortgage Rules as of July 9/2012.

#1 Finance Minister Jim Flaherty has made an announcement- clamping down on mortgage rules At a news conference in Ottawa, Mr. Flaherty confirmed that Ottawa will:

1. Reduce the maximum amortization period to 25 years from 30 years.

2. The maximum amount of equity homeowners can take out of their homes in a refinancing is being reduced to 80 per cent from 85 per cent.

3.The availability of government-backed mortgages will be limited to homes with a purchase price of less than $1-million

4. The maximum gross debt service ratio will be fixed at 39 per cent and the maximum total debt service ratio at 44 per cent. **Please note: This does not mean the minimum downpayment has increased. If you are buying an owner occupied home you are still eligible to put a minimum of 5% downpayment (On approved Credit)

"I remain concerned about parts of the Canadian real estate market, particularly in Toronto, but not only in Toronto," said Mr. Flaherty. "This is a judgment call. This is not written anywhere in a book about when one intervenes and when one does not intervene, but my judgment is that we need to calm particularly the condo market in a few Canadian cities."

The changes will take effect on July 9, 2012.

These are huge changes- that will significantly impact the ability for first time home buyers to qualify for new homes. Lowering the amortization from 30 yrs to 25 yrs means the income needs to be higher to qualify for a higher monthly mortgage payment.

**We are carefully assessing our rate-holds and pre-approvals on file. Please note: If you have recently been “pre-approved” please understand that the new Government rules over-rule any previous discussions or documents outlining your pre-approval limits. If you find a home, put an offer in that is accepted and we submit to the lender for approval prior to July 9- you will still qualify for the 30 yr amortization. After July 9/2012 we will be in touch with each Preapproval to advise your new purchase limits within the new rules.

Refinancing: In the past we have been able to restructure your mortgage up to 85% of the value. (this was already a decrease from 90% in the past) The new rules being implemented on July 9/2012 will now only allows us to consolidate, refinance, restructure, pull money out of your equity up to 80% of the value.

#2 FIRSTLINE MORTGAGES will officially be stepping out of the Mortgage Broker Market as of July 31/2012.

Do you have a Firstline Mortgage & what does this mean to you? Firstline Mortgages is owned by CIBC. Due to some changes in Canadian legislation Firstline Mortgages is no longer able to continue offering discounted mortgage rates to Canadian mortgage brokers. If you currently have a Firstline Mortgage – you will see no changes – as everything will simply be rolled under CIBC’s header vs. Firstline Mortgages. Given that Firstline is owned and operated by CIBC, there is no concern what so ever. My office will be in contact with you- as we feel necessary to look at re-evaluating your mortgage, at renewal time, or simply to touch base and follow up on your future financial goals with your mortgages future.

If you have any questions about your current mortgage please do not hesitate to contact our office at your leisure.

#3 Bankruptcy (“BBK”) – Consumer Proposal-Orderly payment of Debt.

 I wanted to shed some light on the 3 above matters. I often have clients coming to me that have had past credit issues, and have signed into an agreement for “Consumer proposal” or “Orderly Payment of debt” with suggestion that it looks better that a “BBK” – with suggestion that it will not affect your credit for as long. Please note that all 3 of the above fall under the Bankruptcy column in the lenders eyes. After a “BBK”, Consumer Proposal or Orderly payment of debt has been filed it shows up as a Bankruptcy on your credit bureau report. The lenders require the same discipline and re-established credit regardless of which option above is taken. Most of our lenders require that you have been discharged for 2 full years & that you have 2 pieces of re-established credit SINCE the “BBK”, Consumer Proposal or Orderly payment of Debt.

#4 To summarize the above. We have seen a ton of changes to the Mortgage rules and Housing Market since 2008. Rest assured that we will continue to be consumer advocates –always working for you the consumer & assisting where we can to educate the government and other legislative bodies regarding what is realistic and not. There has been some heated conversation about why the Finance Minister is putting so many governing rules against Mortgage lending – in an attempt to lower consumer debt—when there are no rules governing the interest rates on Credit cards, department store cards, vehicle loans or even a real rule of thumb to follow in regards to who, why and how consumers qualify for these unsecure loans…which is in reality what is increasing consumer debt load.

For the past 2 years I have been running my business with 7 points of difference. Keep in mind a Broker works for you Not the Bank. Offering the best rates, service and overall experience “ Exceeding Clients Expectations”

• We treat each transaction like it's our own mortgage approval, with a passion, respect for situations, and need for quick and efficient turn around

• We strive to impress & gain the respect of our clients, exceed all of their expectations & earn their trust for future referral business

• We carry ourselves with a friendly professionalism that allows us to be easily approachable in meetings or over the phone.

• Integrity, honesty, and total transparency for the client

• Always "doing right" by the client - no matter what

• We understand the need to keep things organized, well maintained, and most importantly -the need for communication

• We don’t work “bankers” hours. We understand the need for flexibility when taking an application, meeting to sign paperwork, or general questions. We are always available for you.

• Every client & situation is unique. We are here to listen–and to assist you with a flexible mortgage product that suites the future needs of you and your family.

Remember 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 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

 

 

Stay Trusted my friends ..SAFE and TRUSTED of course

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

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