Tracy Vrkljan - RMA Mortgage Agent Lic# M15000738

Tracy Vrkljan - RMA Mortgage Agent Lic# M15000738

An experienced lending expert providing the best mortgage products at the lowest possible cost.

Tracy Vrkljan brings over 15 yrs. of experience in real estate and financial management analysis to her role as Mortgage Agent with RMA – Real Mortgage Associates. Tracy’s experience has saved corporations millions of dollars in streamlining their logistical financial spend. If you are purchasing your first home, vacation cottage, commercial property, or any other specialty financing such as debt consolidation, refinancing, and home equity loans, Tracy can assist you in achieving those goals. Giving back to the community is a very important part of Tracy’s life. Tracy has been a volunteer team leader for seven years with the Victim Assistance Program operated within the Burlington OPP detachment. The VAVP provides short term support to victims of traffic fatalities and crime. Her efforts have been recognized by the Ministry of Citizenship and Immigration. Tracy’s attention to detail and reputation for service excellence is the cornerstone to her customers obtaining financial success.

business.financialpost.com

Bank of Canada maintains interest rate: Read the official statement

https://business.financialpost.com/news/economy/bank-of-canada-maintains-interest-rate-read-the-official-statement-4

business.financialpost.com Bank of Canada holds its key interest rate at 1.75 per cent

livabl.com

Would more transparency in Toronto bidding wars be a good thing for home sellers?

https://www.livabl.com/2019/02/transparency-toronto-bidding-wars-home-sellers.html

livabl.com The Ontario government is mulling changes to provincial real estate rules, and it could result in homebuyers having increased access to information during a bidding war.

livabl.com

Toronto households have to save for 102 months to afford a downpayment on a home

https://www.livabl.com/2019/01/toronto-households-afford-downpayment-home.html

livabl.com And five other shocking facts about Canadian housing affordability.

livabl.com

A first-time homebuyer’s guide to Canadian government programs and incentives

https://www.livabl.com/2019/01/first-time-homebuyers-guide-canadian-government-programs.html

livabl.com First-time homebuyers in Canada have the opportunity to take advantage of some great federal government programs to assist them when purchasing their first home.

dailyhive.com

January is by far the best month of the year to buy a house in Toronto

dailyhive.com According to Justo Brokerage, Toronto’s newest concept in real estate, January is typically the best month for Torontonian house hunters to make a purchase.

livabl.com

A soft landing for Toronto's housing market? This expert thinks so

livabl.com After a lengthy run-up in the prices of an asset like real estate, a question emerges: will the market crash, or will there be a soft landing?

globalnews.ca

A 23-year-old with an $80K job and no debt couldn’t get a mortgage – this is why

This is why speaking with a Mortgage Agent before house shopping is very important. Reduce the unknown stress and contact me today.

globalnews.ca The financial industry needs a borrowing history to assess your creditworthiness. But what if lenders looked at all the bills you've been paying?

Victim Assistance Volunteer Program (VAVP)

For the past 10 yrs I have been a volunteer with VAVP. Giving to my community is just as important of giving my time to my client.

Our Team Leader is being arranged at 1045 am by #Crimestoppers for dog kidnapping. Let's help bail her out. https://www.canadahelps.org/en/charities/crime-stoppers-of-halton-inc/p2p/JailAThon2018/page/ann-gibson/

[04/05/18]   I hear all the time just get me the lowest rate. Well the lowest rate is not always the best rate for you. I just wanted to reflect with everyone on that note today as I renewed my own mortgage. I was offered 6 different rates but the lowest wasn't the best it was actually the middle one. Why you ask? Well I look at it the same way as buying cheap air fare and all the add on's. By taking the lower rate, lenders add in service fees, were taking the mid rate the service fees are much lower. So if you calcuate both over the 2 yrs you renew your mortgage the true cost of borrowing, there was only a difference 24 dollars. As well with the lower rate there was no portability option. You never know when you have to move because of an emergency, so look at the early termination fees too! That is why it is so important to have a mortgage agent looking out for your best options, its not always the rate!

Mortgage Professionals Canada

Interesting article.

"Lower interest rates and rising incomes more than doubled the amount Canadians can borrow for a home [between 2000 and 2016]. Falling rates between 2000 and 2016 went from seven per cent to 2.7 per cent and rising incomes have resulted in increased borrowing power, the maximum size of a mortgage homebuyers can qualify for, by 53 per cent. During the same period, rising incomes were also up a nominal 53 per cent. Put the two together – falling rates, and rising incomes – Canadians’ mortgage borrowing power is up by a staggering 126 per cent"

ctvnews.ca

List of housing measures proposed by Ontario government

ctvnews.ca The Ontario government has announced what it calls a comprehensive housing package aimed at cooling a red-hot real estate market. Here are the 16 proposed measures:

[02/28/17]   Looking to expand your portfolio? Trying to mortgage or refinance a student rooming house with no luck? Give me a call! I have access to a new lender who loves working with clients who have rooming houses and great interest rate too!

[10/19/16]   The Bank of Canada met expectations, leaving its key policy interest rate unchanged at 0.50%. At the same time, the Bank again revised down its growth outlook, citing a weaker outlook for exports and the impact of recent government changes to mortgage markets.

Economic growth is forecast to be just 1.1% this year (July forecast: 1.3%), picking up to a downwardly-revised 2.0% in 2017 (from 2.2%). The outlook for 2018 GDP growth was left unchanged at 2.1%.

The largest revision to growth came out of housing, which is now expected to be a drag in 2017, subtracting 0.2 percentage points from economic growth (the previous forecast saw this sector adding 0.1 p.p. in 2017). The Bank of Canada estimates that the new measures to cool housing markets will subtract 0.3 percentage points from the level of GDP by the end of 2018 as resale activity slows and construction shifts to smaller units.

[10/03/16]   Department of Fiance announcement today: Minister of Finance Bill Morneau today announced three measures designed to reinforce the Canadian housing finance system, to help protect the long-term financial security of borrowers and all Canadians, and to improve tax fairness for Canadian homeowners.

Building on measures announced in December 2015, the Government will:

1. Bring consistency to mortgage insurance rules by standardizing eligibility criteria for high- and low-ratio insured mortgages, including a mortgage rate stress test;
2. Improve tax fairness by closing loopholes surrounding the capital gains tax exemption on the sale of a principal residence; and,
3. Consult on how to better protect taxpayers by ensuring that the distribution of risk in the housing finance system is balanced.

These measures follow an in-depth analysis of the housing market conducted by the Department of Finance Canada, in conjunction with various government agencies, including the Office of the Superintendent of Financial Institutions and Canada Mortgage and Housing Corporation.

Feel free to call me if you have any questions on how this may affect you and your mortgage or future home purchase. I would be happy to help.

thespec.com

Hamilton’s housing market remains red hot

thespec.com Average house price in Hamilton rose to nearly $409,000 last month.

cbc.ca

Conference Board of Canada predicts rise in already tight housing market

cbc.ca The Conference Board of Canada reports that the number of house listings in Hamilton, Ont. fell almost 20 per cent since May 2015.

business.financialpost.com

Canada's top banking regulator tightens scrutiny of mortgage lending practices

business.financialpost.com Banks can sustain losses both through borrowers' inability to meet debt obligations, and through declining property values pledged as collateral in mortgages, OSFI warns

edmontonjournal.com

Home in a shipping container comes to the back alleys of Edmonton

This is a neat concept. Would you do this to give yourself rental income? Would you want your neighbours doing this?

edmontonjournal.com A local company is set to launch a new series of garage suites made out of shipping containers that could make a rental investment feasible for the typical homeowner. Honomobo builds the …

business.financialpost.com

Boom and Bust

business.financialpost.com Harry Bierbrier says he needed a little help before he could jump into the pricey housing market. “My in-laws put the down payment on the house,” says the Montreal pharmacist. The mortgage left him “slaving to beat the payments.” Sound familiar? It might. But Bierbrier’s house cost $30,000, and it w…

[12/11/15]   Finance Minister Bill Morneau today announced changes to the rules for government-backed mortgage insurance to contain risks in the housing market, reduce taxpayer exposure and support long-term stability. Effective February 15, 2016, the minimum down payment for new insured mortgages will increase from 5 per cent to 10 per cent for the portion of the house price above $500,000. The 5 per cent minimum down payment for properties up to $500,000 remains unchanged.

Today’s announcement represents a graduated approach to increasing the down payment requirement proportionally to the cost of a home. Canadians who already hold mortgages will not be affected by this announcement.

The Government continuously monitors the housing market and is committed to implementing policy measures that maintain a healthy, competitive and stable housing market. Higher homeowner equity plays a key role in maintaining a stable and secure housing market.

In making this announcement, Minister Morneau also highlighted the increases in guarantee fees for Canada Mortgage and Housing Corporation (CMHC)-sponsored securitization programs, announced today by CMHC. The Office of the Superintendent of Financial Institutions has also announced today its plans to update regulatory capital requirements for residential mortgages to ensure that capital requirements keep pace with market developments and risks. Taken together, today’s actions will strengthen the resiliency of Canada’s housing finance system to promote long-term stability and balanced economic growth.

cbc.ca

House prices 'overvalued' in Canada, but not in Hamilton, CMHC says

Still looking for a home at a reasonable price? Check out Hamilton and with rates as low at 2.64% (oac) who says you have to rent! Call today to find out more!

cbc.ca This week, Canada's national housing agency released a gloomy forecast that deemed housing prices in most hot markets are “overvalued” – but Hamilton isn’t one of them.

cbc.ca

New CMHC rules make it easier for homeowners with suites to borrow money

This is great news for new home buyers.
http://www.cbc.ca/news/canada/british-columbia/new-cmhc-rules-make-it-easier-for-some-homebuyers-to-include-rental-income-in-mortgage-application-1.3171813

cbc.ca Change aimed at boosting affordability

business.financialpost.com

Bank of Canada says household debt, housing price crash remain major concern for economy

business.financialpost.com The Bank of Canada says the most obvious and persistent concern for the Canadian financial system is the impact on household debt and house prices in the event of a global shock

[05/24/15]   Effective June 1st, 2015, the mortgage loan insurance premium for homebuyers with less than a 10% down payment will increase by approximately 15%, according to CMHC

business.financialpost.com

Bank of Canada overhauls rules to shield financial system from future crises

business.financialpost.com Canada's central bank is overhauling its rules to keep financial markets operating, incorporating lessons from the 2008 crisis, Bank of Canada Senior Deputy Governor Carolyn Wilkins said

openhomepro.com

29 Huffman Drive

Open House tomorrow 2-4pm

openhomepro.com This home has all the "must haves" you can think of. The main floor welcomes you in with beautiful hardwood, plenty of natural light and open concept living room and dinning room areas. As you pass the main floor laundry you move towards the updated kitchen that has both an eat in kitchen and den ar…

thespec.com

BIDDING WARS: Just how hot can Hamilton's housing market get?

Don't get stuck in a bidding war, make sure you have your mortgage pre approved so you know what you can honestly afford. Call today to get your pre approval 289-300-1660.

thespec.com Realtors seeing bidding wars erupt in inner-city neighbourhoods that have traditionally been considered a hard sell and less than fashionable

news.nationalpost.com

Condo reforms, winter tires discounts and OSAP changes: 20 things to know about Ontario’s 2015...

Great information when looking to buy a Condo, and other things too!

news.nationalpost.com A closer look at some of the items in this year’s Ontario budget that could have an affect on your day-to-day life, including a few surprises like student assistance reforms

theglobeandmail.com

Real estate regulator aims to crack down on dubious practices

http://www.theglobeandmail.com/report-on-business/economy/housing/the-real-estate-beat/ontario-real-estate-regulator-to-introduce-new-bidding-process-rules/article23604736/?fb_action_ids=10102109605530981&fb_action_types=og.shares

theglobeandmail.com In July, the Real Estate Council of Ontario, which regulates the province’s real estate agents, is introducing new rules for bidding processes

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578 Upper James St
Hamilton, ON
L9C 2Y6

Opening Hours

Monday 09:00 - 20:00
Tuesday 09:00 - 20:00
Wednesday 09:00 - 20:00
Thursday 09:00 - 20:00
Friday 09:00 - 20:00
Saturday 09:00 - 20:00
Sunday 09:00 - 20:00
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Walter Pawlowski - Hamilton Mortgage Agent Walter Pawlowski - Hamilton Mortgage Agent
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Contact me to get Right Mortgage for You!

Personal Choice Mortgage Services Inc. Personal Choice Mortgage Services Inc.
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Discounted Rates!