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  





The Trusted Saskatoon Physiotherapists at Boehm's Physiotherapy Explain Cold Laser Treatment!

At Boehm's Physiotherapy, in Martensville, the primary focus is on the patient. The physiotherapists at Boehm's will listen to your story in order to fully understand how your injury is affecting so they can begin to build goals to restore the level of activity you desire.  Boehm's Physiotherapy are Trusted Saskatoon Physiotherapists and Exercise Specialists . In their latest Trusted expert tip they share information on the benefits of cold laser.  

How Does Cold Laser Treatment Change Your Healing Process and Promote Recovery??

When you initially have an injury, there is an inflammatory process that the body takes time to deal with – this is the red, hot, swollen time. You can’t start to exercise, stretch or even use the body when it is reacting to injury like this.  Hard for you to know where to start, right?

So here is what we do!  Start a series Laser treatment from Boehm’s Physiotherapy early on in the injury!  The Laser uses natural wavelengths of light to supercharge the cells (the actual injured ones!) with light energy that is easily absorbed and heals at triple the normal rate, resulting in weeks less of the overall recovery.


This treatment creates an optimal environment to begin to load the injury to restore strength, endurance and heal the area completely following the injury.  Less time inflamed means a quicker response to exercise and overall quicker recovery.


Exercise is our medicine, and our physiotherapists are masters at properly and progressively re-loading the injured area with creative, area-specific exercise to regain your previous form.  We set goals that are YOUR GOALS, and get you there again safely and strongly.


So tap into our energetic staff’s knowledge of injury and let us get you back to health!   The right things at the right time – that is the key.  Ask to see one of our physiotherapists today and get the cold laser treatment that can quickly guide you back to optimal health and peak performance!


At Boehm’s Physiotherapy, we pride ourselves on serving each patient with dignity, respect, and compassion.

We are given the thumbs up by TrustedSaskatoon.comas Trusted Saskatoon Physiotherapists and Exercise Specialists.

View us on Facebook, Twitter, and Instagram. You can view our Homepage for more information about physiotherapy.




At Boehm's Physiotherapy, they pride ourselves on serving each patient with dignity, respect and compassion. Looking for a physiotherapist in Saskatoon, Warman, Martensville and area? We definitely recommend checking out this team! See all they do and read their listing here -  Boehm's Physiotherapy are Trusted Saskatoon Physiotherapists and Exercise Specialists. 

Trust JOB Heating & Air Conditioning with Saskatoon Heating And Furnace Needs

JOB Heating & Air Conditioning’s wonderful staff will be more than happy to provide you with an estimate for any home comfort improvement that you have in mind. They also offer training classes at your personal site for maintenance and they also offer home heating tune-ups. JOB are Trusted Saskatoon Furnace experts and they can also help you with all your Saskatoon plumbing needs! In their latest Saskatoon furnace tip, owner Jeff Bolton,  shares why you can trust JOB with your Saskatoon heating and furnace needs.


Is Replacing A Furnace Difficult?


 I get this question quite often and the answer is no not for industry professionals like J.O.B Heating and Air Conditioning. We specialize in replacing furnaces, air conditioners and water heaters. In fact, many times we replace the furnace, air conditioner and water heater all in the same day. Our process is simple, you ask us to come in and offer you a quote for replacement. I will come over to your home at no charge (within a 30KM radius of Saskatoon), I will view your old furnace and equipment. Look over the venting options and make sure that there are no unforeseen hiccups. Sometimes these hiccups do happen but when we see them ahead of the install date and plan for them then it becomes a seamless replacement. 


You want to be wary of the company that will offer you an estimate over the phone or the contractors that don't spend any time looking at your equipment or the install. They will say that they are "bonded" and you have nothing to fear. This may not always be the case. To be bonded simply means that in order to get as gas licence we need to put up a $5000 bond. Yes, that’s all that's required $5000.  This is why it is important to choose a contractor that would not only be licensed and bonded but would be part of professional groups such as the Sask Energy Network or Trusted Saskatoon.com. J.O.B Heating and Air Conditioning is very proud to be a part of both of these professional organizations. 


Being part of Trusted Saskatoon.com means that Trusted has looked behind the curtain and found that we are a company with high moral values. We also agree to uphold the 5 Trusted guarantees. Being a Sask Energy Network member also requires a high level of professionalism and Trust. J.O.B Heating and Air Conditioning carry a $5 million dollar liability policy when most companies carry $2million. We proudly share our WCB letter of good standing and a copy of our insurance certificate with every quote we do.


 


J.O.B Heating and Air Conditioning will make the replacement of your HVAC equipment an easy process. With the new Sask Energy furnace replacement plan and our financing options, there has never been a better time to replace your furnace, air conditioner and water heater. Don't be worried about an old or untrustworthy furnace, call J.O.B Heating today for peace of mind.


 


"Your comfort is our concern"

At J.O.B Heating and Air they strive to hold up the values of Trusted Saskatoon! Find them online at www.jobheating.com or check out their listing here in the Saskatoon AIR CONDITIONING & FURNACE Directory of excellence!


Trusted Saskatoon Security Experts REED Security Talk Doorbell Security Cameras

Reed Security believes when you become a client you will be entering into a relationship – one they want to grow and become long term...they work hard to meet all your Saskatoon Alarm & security needs from day one! Reed Security are Trusted Saskatoon Alarm and Security Experts 


See and Hear Visitors at Your Front Door




Your front doorway is a busy place. With visitors introducing themselves, your kids charging to and from the school bus, packages arriving, and hellos and goodbyes galore, it's hard for you to keep track of everyone who passes through.  It's no wonder that doorbell cameras are now a smart home must-have, thanks to their ability to show you who's at the door, no matter where you are. 

And with a ReedHD™ Doorbell Camera, that's just the start. 

Because these doorbell cameras are fully integrated into your smart home security system, they're powered by Alarm.com and able to cooperate with other devices. That gives you and your family more ways to incorporate your doorbell camera into your everyday life. 

Answer Your Door From Anywhere

A ReedHD™ Doorbell Camera gives you a safe, smart way to see who's at the door, no matter where you are. When a visitor rings the doorbell, you get an Alarm.com smartphone alert. Open your Alarm.com app and you'll see a video feed of who's there, with a microphone icon that you can press to start a voice conversation through the doorbell. 

Although you can see your visitor, they can't see you, and you don't need to indicate whether you're home or not. Given that burglars often ring a home's doorbell before a break-in, this makes your video doorbell a great crime deterrent. 

Protect a Package from Thieves 

With a smart lock included in your Alarm.com-powered setup, you can go a step further and unlock your door remotely. This is great for protecting valuable deliveries that would otherwise be left on your porch. 

If you have a smart lock, you'll see an ‘unlock' icon in your app underneath your doorbell's video feed. Once you've verified the delivery person visually, tap once to unlock your door and ask them to leave the package inside. When they're done, use your app to lock your door and watch them leave. 
See and Share Suspicious Activity. A ReedHD™ Doorbell Camera is also a full smart home security camera, ready to capture and send you footage of suspicious activity in your front yard or porch area. 

A visitor to your porch will trigger a motion-activated video recording, even if they don't press the doorbell. You can have these clips delivered to your phone right away, where they're easy to download and forward to your partner, neighbours or local police department. 

Keep Up With Your Kids

Crooks and intruders aside, most activity at your front door is ‘good' activity: friends visiting and family arriving home. Reed makes it easy to keep up. It's easy to create a custom doorbell camera alert, triggered by your kids' Alarm.com user codes, that sends you a video clip of your kids arriving home every day. It's a great way to make sure they're home safe and know who they're with. Once the kids know they're on camera, they might even give you a wave. 

PS: It's Also a Doorbell 

Sometimes, you just need a doorbell. You'll be pleased to hear that a ReedHD™ Doorbell Camera goes above and beyond, with both an audible chime and a special ‘Do Not Disturb' option that parents of young children will love.  Instead of waking a napping youngster with an audible chime when pushed, your video doorbell will simply trigger a silent smartphone alert that only disturbs you. 

Is it Time For You To Upgrade to a ReedHD™ Doorbell Camera? 

If you already have an Alarm.com-powered smart home security system, Reed Security can quickly upgrade you with a doorbell camera or other smart devices, including indoor and outdoor video cameras, smart locks and even a smart thermostat.



Trusted Saskatoon Flooring Store Western Carpet One Share Benefits of Wool Carpets

Western Carpet One Floor & Home is a locally owned and operated Trusted Saskatoon Flooring retail store servicing Saskatoon and area since 1974. They are a full-service store offering no charge estimates and full installation on all flooring products. A newly expanded stunning showroom offers a comfortable shopping experience for every type of flooring. Whether it is Carpet, HardwoodCeramic TileLaminate flooring, Cork, Sheet vinyl or area rugs, you will find it at Western Carpet One Floor & Home.


Considering A Wool Carpet
Wool carpet is the premium fibre choice for your home. The wool fibre production process consists of The Natural Elements…Sun, Rain, Grass and Sheep. No artificial ingredients needed, no artificial ingredients added.

Premium Luxury

Wool carpets have a natural, soft and luxurious feel. The long lasting beauty and superior characteristics of wool carpet will enhance your home for years to come.

 

Natural

Wool shorn from sheep is completely natural.  It is composed entirely of amino acids, the building blocks of life. In soil, wool readily biodegrades to produce nitrogen, sulphur, carbon dioxide and water, which are all plant nutrients.

 

Naturally Stain and Soil Resistant

Wool carpets clean better, making stain protection unnecessary.  The wool fibre’s structure consists of overlapping scales, arranged much like roof shingles.  These scales inhibit dirt from adhering to the fibre and help fleck it away.  Wool has significantly better soil release than any other fibre.



Naturally Crush-Resistant

The wool fibre is naturally curly, and it has more crush resistance than any other fibre. Wool carpet fibres recover from crushing better than any other carpet fibres.


Insulator

Wool carpet's natural properties help keep your home cool in summer and warm in winter.

Affordable

Godfrey Hirst is one of the largest wool carpet manufacturers in the world, and provide an exceptional selection of value-priced wool carpets.


Sustainable

Environmentally sound, wool is produced from a totally renewable resource – grass – that is shorn from Sheep every 9 – 12 months.

Natural Flame Retardant

Wool carpets are naturally flame retardant because of its high protein content. If ignited, wool only burns weakly, limiting the spread of the flame.


Improves Air Quality

Wool carpet naturally improves the indoor air quality of your home. It stabilizes relative humidity by absorbing or releasing moisture during periods of high or low atmospheric humidity. If well maintained, it absorbs and neutralizes airborne particles and fumes.

Proven

Wool has been used in carpeting for centuries. Its unique natural properties have seen it stand the test of time as the premier flooring.

Wool is the luxury carpet fibre. It probably holds the most advantages over all fibres. So to summarize what distinguishes wool is that it has more advantages such as being all natural, more comfortable, fire resistant, and arguably is as durable as other floorings like nylon, but it requires more care. Typically, nylon and Smartstrand carpets take whatever you throw at them: spills, moving furniture, and constant foot traffic.


One more Interesting Wool carpet fact!

Did you know Airlines use Woolen Carpets in their planes?!


The wool carpets are used in aircraft because it is the safest carpet to use. Wool is very difficult to burn and when it does has only a low flame, so it has a lower danger.

 

Contact Western Carpet today for a free quote “ Beautiful Made Affordable”

Western Carpet one Floor & Home are a Trusted SASKATOON FLOORING Store!


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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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