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.

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. 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.

Check out this listing on 97 EAST 33RD Street, Hamilton, Ontario L8V3T3

[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!

4 charts that explain Toronto’s January real estate slump The first two weeks of the year saw a serious cooling of the market — here's why.

Mortgage brokers, home buyers concerned about new 'stress test' rules

Now is the time to purchase or refinance. These rules make huge differences to what you can afford. New guidelines that will soon require uninsured borrowers to undergo a financial 'stress test' before securing a mortgage have — as one Ottawa realtor puts it — kicked the pursuit of a home into overdrive.

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"

Toronto’s existing homes market is seeing a massive decline in prices — or is it?

This article reiterates what I discussed in my last post. Another set of housing numbers released Monday showing Toronto prices rising but look closely and it’s not that pretty a picture with one economist saying the majority of the the gains from t…

Vancouver Housing Posts Biggest Price Gains Since 1990

I often get questions about will house prices fall now that the government put in new rules. We have seen a slow down in sales, but that is the "norm" for July and August, prices have relatively stayed the same. I always look to other markets for predictions when the same rules are applied. So the BC government applied the same rules as the ON government approx 12 months earlier. This is the current status of what is happening. New home prices in west-coast city up 5% in second quarter, highlighting the difficulty in engineering a soft landing

CMHC to give Ottawa a special $4 billion dividend, has too much capital on its books

This is interesting after CMHC just raised rates in January. There are financing opportunities available so you don't have to purchase CMHC. Just asked me how. The special dividend is a break with history as the Crown housing agency has always retained all of its income since its creation in 1946

Toronto home sales drop most since recession as new rules put brakes on market The Toronto housing market is finally starting to show some strain as active listings soared in May and prices dropped sharply from April

Joanne Hughes, Sales Representative, Chase Realty Inc., Brokerage

New Listing: 56 Colorado Blvd., Hannon (Stoney Creek). $745,000 Beautiful New home on premium lot in Summit Park, 2066 sq ft 3 Bedrm, 2.5 Bath with so many upgrades. MLS # H3207752

Open House Saturday and Sunday. Call me and get pre approved!

LOCATION! LOCATION! LOCATION! Your chance to own a detached all brick home w/ attached garage in this exceptional West Mountain neighbourhood- 52 Duff court sits prominently on a private court shared with only 3 other homes! Relish in the seclusion of this mature tree lined street while also enjoying the convenient locale just steps from all major amenities (schools/transit/shopping/linc/quick lower city access etc). 5 Minute walk to the mountain brow where you can enjoy scenic views of Hamilton, Lake Ontario, and even Toronto on a clear day! This light filled family home w/ gleaming hardwood throughout features spacious principal rooms, huge master bedroom and oversized bedroom level closets. Updates include furnace ('10), A/c (approx '12), front door ('10), garage door ('10) gutters/downspouts ('10), re-shingled('10). Great bones and well maintained, perfect for your family home and personal touch. 3+1 Bedrms, 2 Full bathrooms, Listed at 400k, Offers accepted April 25th! Open House Sat and Sun 2-4. Call 905 966 3433 for more info!

List of housing measures proposed by Ontario government 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:

20 Crosthwaite Avenue South, Hamilton - Virtual Tour By Ann Cosens, Broker Of Record of Coldwell Banker Community Professionals. Photographer.

Mortgage expert warns U.S. Fed will cause rate increases in Canada

This is a great article. If you need to renew this is a good time to do so. Remember when interest rates go up house values decease. So your 700,000 property today will not be worth 700,000 when interest rates rise. This means you could end owning more then your property is worth if you went with less then 15% down. So call me today, lets lock in. Don't wait till next year. U.S. Federal Reserve chair Janet Yellen has strongly signalled that the first federal funds rate hike of 2017 will be announced at the two-day policy meeting next week on the back of a strengthening U.S. economy and waning global risk factors. With two more increases said to be in the cards this yea...

[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!

Strong evidence of risk in real estate: CMHC Strong evidence of problematic conditions persists in real estate market: CMHC

Latest rate update. Some lenders were increasing their rates over the last week. If you are planning to purchase or refinance in the next 90 days, let me lock in this lower rate for you now!

[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.

Current Rate Update

Hamilton’s housing market remains red hot Average house price in Hamilton rose to nearly $409,000 last month.

Conference Board of Canada predicts rise in already tight housing market The Conference Board of Canada reports that the number of house listings in Hamilton, Ont. fell almost 20 per cent since May 2015.

Canada's top banking regulator tightens scrutiny of mortgage lending practices Banks can sustain losses both through borrowers' inability to meet debt obligations, and through declining property values pledged as collateral in mortgages, OSFI warns

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? 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 …

Boom and Bust 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.

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! 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.

Many Canadians couldn’t afford their mortgages if interest rates rise

How would an interest increase in your mortgage affect you? Call and I can help you figure out a long term plan. Short terms to get lowest interest rate is not always the right way to go. I have some long term mortgage options with some great rates that can help you plan for your future. One in six could not handle $500 increase in monthly payment

New GO bus directly connects Hamilton to Pearson Airport

This is excellent news. Ever considered moving to Hamilton? Lower house costs and great interest rates. You'll be able to retiree sooner! Call me to find out how! Getting to the Pearson Airport from Hamilton just got a little easier.

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

This is great news for new home buyers. Change aimed at boosting affordability

Many Canadians would struggle if mortgage payments grew slightly: poll

Do you feel the same way? You should always budget for unexpected interest hikes. Call me to plan your next 10 yrs. A survey by Manulife Bank of Canada says nearly half of Canadian homeowners are taking steps to whittle down their mortgage debt, but many would be in trouble if their monthly payments grew even slightly.

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

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[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

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

According to weather reports its suppose to be a nice first May weekend. Great opportunity for a garage sale.

29 Huffman Drive

Open House tomorrow 2-4pm 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…

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

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! 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

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578 Upper James St
Hamilton, ON
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