Trusted Tips and Resources

Trusted Tips & Resources

Trusted Saskatoon Mortgage Broker Tammy Wandzura Explains Mortgage Rate Hike Hype, What Clients Can Anticipate

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 believe 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! Tammy truly believes that all you should have to worry about is opening the door to your new home for the very first time. In her latest Saskatoon Mortgage tip she shares information on the 2022 mortgage industry landscape! 

Tammy Wandzura Explains What Clients Can Anticipate With Rate Hike Hype 

As we anticipated, the APRIL 13/2022 Bank of Canada increase by .50%

Many economists are currently predicting faster and higher increases to the Bank of Canada (BoC) prime lending rate than previously suggested.

Information, speculation and predications are changing by the day.

As the issues surrounding Canada’s inflation concerns remain the same (funds being injected into the economy due to COVID-19 programs and aid, and never ending supply chain issues), inflation numbers are coming in stronger than expected and the BoC is considering aggressive actions to fight rising prices.

As you hear of increasing rates, it’s important to know HOW and WHY rates move and are adjusted.

This information MAY assist you in making a plan and decision moving forward.


The Bond Market (and how affects FIXED rates) WHY are fixed rates moving UP faster than the Bank of Canada (BoC) Prime lending rates. 

  • Bond yeilds are determined buy 100000's of people, investors, institutions, pension funds and massive amounts of investors buying and selling each day.
  • Bond yields move up and down (like stock) based on what someone is willing to buy for and what someone is willing to sell it for in real time. These trades happen on a Government of Canada bong yield probably every 10 seconds.
  • The Bond market is like a big voting machine - 100000's casting thier votes (should I buy, or should I sell) based on what they are seeing in the market. (speculation)
  • That is why when you look at a chart on Bond yields, they look volitile, they go up and down quite a bit.
  • That is what our fixed rates are priced at - the Government of Canada bond yields move when the Goverment of Canada bond yeilds move.
  • More volatillty than Bank of Canada.

VS The BANK OF CANADA

  • Very stern - carefully measured institution that calmy meets 10 x a year.
  • The BoC is considered and measured in thier decisions - as they put their hand on the policy rate lever and decide whether they should raise rates or not.

As information changes, we are here to help you and assist in making decisions moving forward.

Deciding between FIXED and VARIABLE/Adjustable rate options comes down to weighing the pro’s and con’s and information available at the time you make the decision.


If you currently have a Variable/Adjustable rate mortgage – considering the long game is essential.


  • Statistics show that a Variable/Adjustable rate mortgage will save you, 80-85% of the time (based on the last 25 years of historical data)
  • Fixed rates will always be higher than they would have been when you booked your mortgage in an inclining rate environment
  • Going Variable as a short term strategy will always be more expensive
  • Remember: your variable/adjustable rate has a DISCOUNT locked in OFF of the BoC prime rate
  • Although Prime is moving up, you must consider your discount (and) what current fixed rates are sitting at in comparison
  • Reviewing current fixed rates vs speculation on increases is important
  • A reminder: (if you have not done so already) set your payment as if you are paying a fixed rate mortgage. This is a fantastic strategy to encompass interest savings and principal balance reduction between BoC rate bumps
  • Remember: Prime rate does not go up all at once


An increase to Prime rate will have a direct impact on everyone that has a VARIABLE rate / ADJUSTABLE rate and Line of Credit.

The increases and impact does NOT mean your payment will double or triple, but it will adjust and move up.

The age old question: FIXED vs VARIABLE/ADJUSTABLE mortgage rates.

  • Risks of VARIABLE/ADJUSTABLE rate mortgage
  • Prime could increase faster than expected through 2023 or continue rising to a higher peak than expected in 2024/25.
  • Today, most economists expect that Prime will increase by about 2% over the next two years, but that could change if inflation continues to be stronger than anticipated.
  • Reasons to Stay Adjustable/Variable
  • Short term savings: If you have a competitive discount on your mortgage rate, you will be guaranteed to continue saving interest costs for the next 12-24 months even as prime increases.
  • Long term possible savings: If you believe that Prime won’t continue rising through 2025-27 because the national and global economies and supply chains will be recovered by then, you will stand to save further interest costs in those years if the Bank of Canada starts to reduce Prime to avoid recession.
  • Flexibility: If there is a significant chance you may sell the mortgaged property in the next few years (to upsize for more space, downsize as kids move out, to relocate for a new job, etc), the penalty for canceling an adjustable/variable rate mortgage is usually much lower than that of a fixed rate mortgage.


  • Risks of LOCKING into a FIXED rate mortgage
  • If Prime increases over 2022-23, but then starts to decrease as supply chains recover and governments want to avoid a recession, you are stuck paying a higher interest rate or paying a hefty penalty to refinance.
  • If you cancel your fixed rate mortgage mid-term, you can potentially be charged an Interest Rate Differential penalty which is much higher than 3 months interest (the penalty on an adjustable/variable rate mortgage).
  • Reasons to LOCK IN
  • Peace of Mind: if you are uncomfortable not having control over if/when your mortgage payments increase or any type of financial risk makes you worry and stress, you should lock in your mortgage to a fixed rate.

  • Fixed Income: If you have a fixed income (pension, annuity, etc) or your family finances are tight, then you may not be able to adapt to mortgage payments higher than a specific threshold. In this case, the security of a fixed rate mortgage might be best, even though it means paying more in interest and having higher payments over the next few years. It’s like buying insurance – you spend more money in interest today for the guarantee of knowing your payments will stay within your budget.


As your Mortgage Consultant, we are regularily sitting in on calls, listening to the narrative, reading the articles and the economist predictions.

Overall, we are here to collect as much information and data to share.

Recently (December 2021) I sat in on a call with other industry colleagues as we reviewed current events and discussed what to consider moving forward.

Although, speculation continues to eb and flow as we lead further info 2022, there are a few points made that need to be considered now and in the future.


MORE FOOD FOR THOUGHT......( as taken from a call in December, but a few points still hold merit )

  • There is a disconnect between Bond market and the BoC and US Federal reserve (aka central banks).
  • Central banks continue to think that inflation will be transitory and that economies need a lot of stimulus.
  • Bond market things that the BoC will be forced to raise by more than what it expects.
  • Right now, the BoC expects will start start increasing middle quaters of 2022.
  • Bond market does not belive that.
  • Bond market is already pricing in speculated rate hike (therefore fixed rates have gone up based on that Speculation). 
      
 How likely is it to happen?
  • Bond market is betting on a future outcomes and a lot of the time gets it wrong.
  • Its not to say they will be wrong - but there is alot hype and noise in there.
Bank of Canada
  • increases take 12-18 months to bake into the economy.
  • Remember- the momentum that we have in our economy right now was earned by CRAZY amounts of government stimulus and aggressively loose monetary policy. IF the BoC were to hike rates right now it would kill the same momentum so why go to all the trouble to hike rates aggressively unless you have absolutely no choice.
  • The Bond market thinks its going to happen - they are pricing in - but the BoC is pushing agaisnt the narrative.
  • That is why you see the spread in rates.
  • Variable rate discounts have onlyu slightly changed as they are based on the BoC policy rate.
  • And bond yeilds have pushed fixed rates much higher.
Even if we were to get a ton of rate hikes - bottom line...would push us into a recession and we would likley see decreases coming down the other side. 

What's going to happen when then BoC starts starts to increase.
  • They meet 10 x a year (if they increase, historically speaking they increase by .25 at a time) they generally let one meeting go by before they hike again.
  • The BoC is on record saying they may not have to increse as much as they have had to in past cycles to bring inflation to heel.
  • How many times in total - hikes?
  • Historically (past cycles = 6 hikes)


In the end, it’s a very personal decision. 



Call Tammy Wandzura today Saskatoon mortgage needs OR visit www.elitemortgagechoice.com

Tammy Wandzura is a Trusted Saskatoon Mortgage broker





Pay Your Mortgage Down Faster With Advice From Trusted Saskatoon Mortgage Broker Tammy Wandzura

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 believe 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! Tammy truly believes that all you should have to worry about is opening the door to your new home for the very first time. In her latest Saskatoon Mortgage tip she shares how you can pay your mortgage down faster! 

Tammy Wandzura Explains How You Can Pay Your Mortgage Down Faster 

You found a house. You made an offer, and you got approved for your mortgage.

You locked down a phenomenal mortgage rate and chose a lender with flexible repayment options.

Don't Stop There 

In this article, I share how there are LITTLE ways you can make a BIG impact on your mortgage’s overall balance and life (amortization).

If you chose a variable rate mortgage:

  • Assuming you got a fantastic discount, your rate was (and likely still is) significantly lower than a fixed-rate mortgage.
  • I STRONGLY suggest you use this opportunity as a strategy and increase your payments as soon as possible to what they would be equal to a fixed-rate mortgage payment
    • That will mitigate some risk with fluctuating Bank of Canada Prime lending rate changes and avoid seeing a payment shock if rates move up a touch.
    • Increasing your payment slightly will mitigate some long term risk in the variable vs fixed conversation.
    • Assuming the Prime lending rate stays low, you will be saving significant interest in the first years of the mortgage, mitigating the risk of increases on the back end of the mortgage term.
    • This strategy allows you to see the biggest ‘bang for your buck’ while rates are low.
      • More money every month is going to your principal (vs interest) because rates are already so low
      • Every penny in addition to your regular payment goes directly to your principal balance and pays down the mortgage significantly faster.

Payment Frequency Options:

There are multiple options on how you can make your payment

The TWO options that will save you the most money in interest will be ACCELERATED Biweekly and ACCELERATED Weekly

(the accelerated is the crucial part)

An accelerated bi-weekly mortgage payment is when your monthly mortgage payment is divided by two, and the amount is withdrawn from your bank account every two weeks

(vs a Semi-Monthly payment:  your monthly mortgage payment is divided by two and the amount is withdrawn on the 1st and 15th (twice per month) VS every 2 weeks.

Let’s look at an example:

  • The example below uses an example 5-year insured variable rate discount as of June 22/2021
  • The example below is assuming the Bank of Canada Prime lending rate does not adjust through the entire 5-year term
  • Bank of Canada Prime lending rate is subject to change (up or down)
  • Lender discounts (variable and fixed) are subject to change
  • The information below is for example and illustration purposes only

In June of 2021 you took a 5-year variable rate mortgage at Prime (2.45%) Less 1.10 =1.35%

  • Purchase $400,000
  • Downpayment (5%) $20,000
  • A total mortgage with CMHC premium =$395,200.00
  • Amortization=25 years

OPTION (1)

MONTHLY required payment (assuming Prime stays at 2.45%)=$1552.15/month 

Balance at maturity making MONTHLY payments=$326,422.03

OPTION (2)

ACCELERATED BIWEEKLY required payment (assuming Prime stays at 2.45%)=$776.08/every 2 weeks (=approx $1681.50/m when we average it over the year)

Balance at maturity making ACCELERATED BIWEEKLY payments=$318,366.65

(that is a difference of $8055.38 owed in 5 years)

Taking it one step further: 

OPTION (3)

Increase that minimum required payment (calculated on the low variable rate discount) to a payment equal to a fixed rate (we are using 2.09% in this example)

ACCELERATED BIWEEKLY =$845.35

Balance at maturity =$309,963.24

(that is a difference of $16,458.79 owed in 5 years) 

Prepayment Options:

Every lender has flexible prepayment options (allowing you to make extra payments on the mortgage through the year without penalty)

This can be done by increasing regular payments (usually a 10-20% increase per year option depending on the lender) OR by doing lump sum extra payments through the year.

Each lender has a different policy relating to this- but the flexibility is there, and we are here to help you navigate those options.

By considering OPTION (3) above – you are using your prepayment options to manipulate your payment and lower the amortization (life) and interest paid on the mortgage.

My suggestion: 

  • Have us run some example amortization schedules for you so that you can see the different options and balances owed at maturity depending on your affordability
  • Move-in, get your feet wet with the new bills for the first 3-6 months.
  • Then do a review on if you can afford to do even a touch more than your required payment
  • Every little bit counts!
  • Need some help calculating your best options?  
  • We are happy to do complete reviews for our clients whenever you require some extra info! That is what we are here for ☺



Call Tammy Wandzura today Saskatoon mortgage needs OR visit www.elitemortgagechoice.com

Tammy Wandzura is a Trusted Saskatoon Mortgage broker


Trusted Saskatoon Mortgage Brokers Tip About The 2020 Housing Market


 Homebuilders Deals & Incentives on New Construction

Mike and Crystal Green couldn’t have picked a worse time to look for a new home. In mid-February, Mike was offered a promotion to be a regional sales manager at a computer security company. The catch was the couple would need to relocate 

The Greens accepted an offer on their home two days after it went on the market in early March. But by then, the Greens didn’t feel safe flying to check out houses given the coronavirus pandemic. The government was urging workers to stay home if possible and practice social distancing when out in public to combat the spread of the coronavirus.

That wound up working in their favour. The Greens went online and took a virtual tour of a home they liked. It was in a new development. They were able to choose custom details via Zoom and email—and got a discount on their new home

If they closed in March, and the builder would throw in a free Whirlpool refrigerator, washer, and dryer as well.


The Greens have plenty of company on the receiving end of a wave of aggressive incentives for buyers of new construction. With a global health crisis raging and the ensuing financial fallout with many workers laid off,  homebuilders around North America are offering discounts, throwing in freebies, and covering closing costs to attract buyers and close deals.

They had to do something. Tours of new-homes have dropped and more potential buyers deciding to put off their new home searches until things truly settle.

CMHC

2020 summer edition of the Housing Market Outlook report provides forecasts for Vancouver, Calgary, Edmonton, Toronto, Ottawa and Montreal. It builds on the Spring 2020 edition that focused on housing market activity for Canada and the provinces.

These reports give high and low range projections on new construction, home sales, house prices and rental market activity.

Housing forecast overview for Canada’s major urban centres

  • Sales and construction have dropped
  • House prices will likely fall because of uncertainty over the economy’s path
  • It is possible that vacancy rates increase in the rental market
  • Recovery in major markets is highly uncertain and will vary considerably

For Canada’s 3 largest cities, there had been steep employment declines according to Statistics Canada:

  • 18% in Montreal
  • 17% in Vancouver
  • 15% in Toronto 
Such large employment and income declines, coupled with uncertainty over the future trajectory of the virus, will lower the demand for housing in the urban centres. Housing starts should rebound by year-end, as projects, settled before the pandemic, should be starting soon.  Rental apartment starts will benefit from the slowdown in the demand for homeownership. 

By 2022, housing prices should be following a slight upward trend and even exceed their pre-pandemic levels.

Read the full CMHC report here 

Buyers may also get deals on custom homes

While deals on newly constructed homes abound, buyers can also shop around for discounted lots where they can have their dream homes built.


Trusted Saskatoon Mortgage Brokers Tip On Purchasing Property During the 2020 Coronavirus Pandemic

What  Are Your Top Questions About Purchasing Property During the Coronavirus Pandemic?


The coronavirus pandemic has thrown millions of people's financial plans off the rails, and that certainly includes home buying. If you were hoping to purchase a property soon, you no doubt have a lot of questions—about whether it's possible to buy or tour a house now, COVID-19's impact on home prices, and more.


Is now a good time to buy a house, financially speaking?

From a financial perspective, there are certainly some advantages to buying a home right now. For one, mortgage interest rates are historically low, which means your monthly housing payments will be lower, too. And putting a property under contract now and locking in a low-interest rate gives buyers more control than living in a rental where rents might go up.

Another big consideration on the financial side of the home-buying equation comes down to competition. The coronavirus has dissuaded some home buyers from home shopping for the time being. So buyers who do venture out face less competition, which could put them in a stronger position to negotiate with sellers.


How has the coronavirus affected home prices?

The coronavirus has the world economy in turmoil. But so far at least, this does not mean that home prices have plummeted across the board or that buyers can lowball their way to a bargain. Instead, in most real estate markets, home inventory remains very tight.

"I don't expect the slowdown to be like the last recession where prices fell," says realtor.com chief economist Danielle Hale. "There are more than enough buyers out there to keep home sales from slowing in any major way.”


Is it safe to buy a house now?

While no one can guarantee you won't catch the coronavirus, the real estate industry has worked to prioritize buyers' and sellers' health by eliminating personal interactions almost entirely during the pandemic. Even as different states reopen, you can still do most aspects of the home-buying process remotely, or at a safe social distance, when it comes to your home search that you may not have considered doing in the past.

First, you can find and interview Saskatoon and area Realtors virtually. While showings may not be easy to arrange because of shelter-in-place orders or continuing health concerns, most real estate listings now offer virtual tours.

Should I buy a house sight unseen?

While buying a house sight unseen has long been the only option for people relocating due to a new job or military service, the trend has been on the rise for more and more folks. In fact, according to a realtor.com survey of 1,300 consumers during the week of April 5, 24% (or 1 in 4) said they'd be willing to buy a home without seeing it in person.

Buyers who consider buying a house sight unseen generally have some comfort level with the neighborhood and know the market. And according to realtor.com senior economist George Ratiu, the comfort level of buying a house sight unseen may come down to age.

"Younger cohorts are more inclined to rely on detailed photos, virtual tours, or live video instead of an in-person visit, with 31% indicating they would be willing to buy sight unseen," says Ratiu.

Even if you're buying blind, you shouldn't operate completely in the dark. Here are some features that buyers find most helpful in such a home search.

  • The ability to take a virtual tour of the home
  • Listing and neighborhood information that is accurate and detailed
  • Plentiful, high-quality listing photos that show the property's interior and exterior
  • An agent or landlord who can walk a buyer through the property via video chat

Ask for more advice on how to buy a home sight unseen before you commit to a purchase.

What Else? 

  • Figure out how much home you can afford: The pandemic has roiled markets and caused tremendous economic uncertainty. So you'll want to carefully consider how much home you can afford and err on the conservative side. Contact us to help you determine your monthly mortgage payment.
  • Secure mortgage pre-approval: Now it’s more important than ever to get pre-approved to show sellers you’re serious when you make an offer. Pre-approval shows how much a lender will loan you, assuring the seller that you’re financially capable of buying a home.



Trusted Saskatoon Mortgage Broker Tammy Wandzura Shares Tips On Working From Home

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 believe 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! Tammy truly believes that all you should have to worry about is opening the door to your new home for the very first time. In her latest Mortgage tip she shares tips on working from home! 

Many of us through COVID have been plunged into a ‘work from home’ scenario.

What does that (really) look like to you?

  • How have you been managing?
  • Do you have a dedicated workspace?
  • Do you have kids at home?
  • Have you been able to catch up with the technology you need to be connected to? (Zoom, double screens, fast enough internet etc)
  • Are you working more efficiently? (or as efficient as you expected?)
  • Are you working too much?
  • Will this be your ‘new normal’ moving forward post COVID?
  • Do you like it?? Love it?? Hate it??




Everyone’s situations are vastly different and the experience will look much different to every person and household.


I want to reach out to the super social, work-a-holic type folks out there!

How are you managing? 


Working from home can be a real challenge for these types of people.  Take it from me!

I personally started working from home 2 1/2 years ago; after 15+ years of working from a brick and mortar office.

I have been working “remotely” with out of Province clients or clients that preferred a SIMPLIFIED process and service level for MANY years…so the transition from a workflow perspective was very simple.

Rewind to my feelings of working from home a couple of years back?

PURE Joy and Excitement

  • The extra time to prioritize me (health and wellness)
  • The extra time to keep the house up
  • The extra time….
  • No outside distractions
  • No need to ‘get ready’ every single day…could I really work in my pj’s all day if I wanted to!@!?!?

The REALITY of working from home is a touch different. (which I am sure many of you are experiencing?)


I still ♥♥♥ it! And would NOT change it for the world! BUT it does not come without its own challenges AND I have learned many lessons over the last couple of years.


First of all… working from home has not made my life any less busy.

I am a bonfide 100% self-proclaimed work-a-holic.

That can be good…and that can be bad ☺

When I worked from an office- my days were long but I had the option of “shutting it down for the day” most days.

I LOVE my job, I LOVE my clients, I LOVE my industry and I LOVE what I do. So “shutting it down” is not always in the cards when the office is only 5 steps down the stairs.

I honestly have NO PROBLEM at all rolling downstairs- to my office with a hot cup of coffee at 6 am or 7 am and will work all through the day until well after supper time without a thought.

Many folks I talk to – wonder how I get any work done all day working from home…? 

They have communicated they would be watching TV, doing laundry, sitting on the patio….

Warning: if you are a work-a-holic and you love what you do….working from anywhere is not a problem!

To be honest, it’s turned me into a bit of a procrastinator. My personal life stuff tends to get put on the back burner more than it used to.

When I was working outside of the home- I was pit stopping throughout the day or on my way home (groceries, dry cleaning, shopping etc) & house stuff (cleaning, yard work etc) was getting done at record speeds…because there was only so much time in the day…and stuff still had to get done.

NOW: leaving the house needs to be a real plan. Cleaning…well…I am a clean freak, so yes my house is generally clean- but it often gets done “tomorrow” or the day after that.

What I learned really quickly….?


  • If there is a day or week that is not crazy busy. TAKE IT!
When you work from home – (for me at least, as a self-employed person) if work is not my normal ‘crazy busy’ ….I feel guilty and feel like I should be trying to create projects to get the phone ringing.   When I worked from the downtown office, I would take that odd opportunity to grab my cell phone (any incoming calls), close up the office for the day and go out to LIVE LIFE. 

So the advice: keep building that business but take some time once in a bit to absorb this one life we have!

Make it a priority to plan a coffee or lunch date (post-COVID) out of the home office with friends or colleagues a couple of times per week.


 Suit up!

Not really…but GET UP early, Make your bed, SHOWER and look pretty.

There is nothing worse than working in your PJ’s for 5 days in a row with ‘bed head’ and then wondering why life feels so un-motivating.

I am still struggling with this….(as I sit here in my PJ’s) but I can tell you- without a shadow of a doubt I feel like a million bucks when I get ready and throw a ‘real outfit’ on!

I can work from A N Y W H E R E !

We lead a busy life.  I had to create a process that allowed me to keep you with it!

We actually thrive from being ‘over the top busy’. It’s how we do our best work.

My business is consistently hopping all through the year, my husband is a grain farmer (so Spring through to mid-November is even busier) and we love spending time in sunny Costa Rica where we are fortunate to have a modest condo and have the opportunity to spend a few weeks- a couple of months per year

Having my business set up remotely has allowed me to be 100% available – working ‘full time’ all while LIVING life.

I have the same office set up at home, at the farm and in Costa Rica. I grab my laptop, my office phone (Voice over the internet) and off I go. Ready to ‘plug and play’!


The single biggest challenge

  • Create a self wellness routine now!
This may be the hardest thing and something I still struggle with every single day. (Its EASY to put work and everything else before YOU)

I work from home. I have zero excuses and I absolutely always have 30-60 minutes a few times per week to take care of myself.

Simple goals I talk to myself about every night before bed:

  • A daily walk
  • Fresh, clean and healthy snacks and meals available
  • Take your vitamins!
  • Do a work out!
Sounds easy right?  Well, it doesn’t seem to be as easy as it sounds! ☺

(OH! and DRINK WATER!)

At the end of the day, every person's priorities are different.

There used to be an opinion about folks that worked from home.
  • We didn’t work as hard
  • Our systems were not as secure or efficient
  • We were not always available (because we are tending to home duties)
  • We didn’t really ‘want to’ work full time anymore…
This is NOT the case at all. As you can see from my experience above I have been busier and working harder than ever.

Efficient?  I think “work from hom’ers” are CRAZY efficient.  Setting systems up to WOW clients and creating solid SIMPLIFIED workflows for the office and the client experience.

I think the COVID crisis has created some harsh realities and truths for many of us to sit up and take notice of.

Life can change in a blink.

Working remotely is a “thing”. It's a thing that can work very well- BUT with everything, there is a learning curve. (likely both from a technology standpoint and personal)


I am and will continue to be your Mortgage Broker. 

I will never stop LOVING this industry, the people I get to meet, work with, assist and create friendships with.

I will always answer your calls and emails in a super speedy manner- providing top-notch service and SIMPLIFIED, MORTGAGE solutions.

If we have had the opportunity to work together- you know our office response time is well beyond what most anticipate.

I am forever grateful for the opportunity to work from home (or anywhere) and will continue to create personal goals to fine-tune my own personal experience and process to LIVE MY BEST LIFE.

If you are working from home and have some tips for ME, my followers and anyone that has engaged in this article PLEASE pass along!

Working from home is a fairly new concept for most and any TIPS would always be greatly appreciated!

Call Tammy Wandzura today Saskatoon mortgage needs OR visit www.elitemortgagechoice.com

Tammy Wandzura is a Trusted Saskatoon Mortgage broker


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