Hello! Welcome to “Mortgages, Dollars & Sense.” This site is dedicated to financial information, education and a resource center for topics concerning mortgages, money matters and common sense tips to help current and future home owners.
As a Langley Mortgage Professional, my clients needs come first and foremost! I assist you by strategically placing your mortgage to obtain the best features and benefits, and then manage the debt, so you can maximize your goals and financial wellness. You can expect my commitment as I work with you from your first inquiry and then throughout the life of your mortgage.
With almost two decades of experience with several financial institutions, I am thrilled to now be working for my clients, not my employers. I have joined the MortgagesLab Experts Team and can find the perfect mortgage for your needs from one of more than 50 lending institutions! No haggling or shopping required! I take care of it all and present you with the best the market has to offer, a perfect fit for your needs.
I’m often asked who can use the services of a Mortgage Professional. My answer is, “Everyone!”
My resources allow me to assist you with:
– retirement mortgage and credit solutions: including Reverse Mortgages
– new purchases
– refinancing,
– debt repositioning,
– real estate investing,
– self employed financing,
– and my specialty – mortgage renewals.
Whether you are
– a retiree or 45 and up, planning retirement
– a first-time home buyer,
– an investor,
– new to Canada,
– self-employed,
– in a marriage dissolution,
– a single purchaser,
– those trying to re-establish their credit history,
– or a retiree looking for a reverse mortgage.
I can help you find the Right mortgage, the one that provides you with the benefits and features you need to fulfill your financial goals.
I also have Exclusive DND Mortgage packages for Department of National Defense (DND) and RCMP members.
Mortgages are much more complex today and require more than just face value interest rate comparisons. Let me help you make the process productive and successful. One call can save you time and money. In most cases, my services are free.
So, Call Me Today! I love helping my clients find great mortgage packages and lessen the stress of trying to do it all on their own.
Top reasons for consumers to use a Mortgage Broker (source: Maritz Research):
1. To get a good rate/ get a better deal/ safe money
2. To benefit from the broker’s research
3. To get access to multiple lenders
4. To obtain product/term recommendations
Sincerely,
Winona
t. 604.882.3643
f. 604.882.2546
e. winona.reinsma@gmail.com
Testimonials . . .Here’s what some of my clients thought of my services:
I had been with the same institution for over 20 years and dutifully signed the easy renewal forms because I was fearful about changing banks and all that it entails – transferring all my accounts, the approval process, new people and other things. I was even a little apprehensive about talking to a mortgage broker.
The best thing I did was talk to Winona, as she showed me the path to a much better mortgage in a clear and helpful way. I saved money, the length of my mortgage was reduced even further with her Inflation Hedge Strategy, and she made it very easy for me to move forward with my obligations. Thank you Winona.
Bill Kellett / Refinance / Langley, BC
Words can not express how thankful I am for all your help Winona, without you this really would not have been possible!!
I am so thrilled, if not for all your help I would not be where I am. Thank you so very much for all you have done.
Tammy / Purchase / Whitehorse, Yukon
Regarding my mortgage experience with Winona Reinsma:
This was now my third mortgage I have gotten, this being the first one thru Winona. My experience prior to this was none the less short of almost horrible. I work full-time and appointments were always having to be made during working hours whereas with Winona she accommodated me after work, on the weekends, and even came to my office when documents needed to be signed. What really impressed me the most when I started working with Winona was how kind she was. She was very professional yet sympathetic to what I was going thru and was always willing to lend an ear to listen or try and comfort away the tears. She was working for ME and you could truly see this shine thru…she was going to stop at NOTHING to get me the best deal and mortgage. It paid off… I got the best rate possible and was now on my way to happiness in my new house…it would NOT have been possible without Winona by my side fighting tooth and nail for me. This was a tremendously hard mortgage with a lot of work put into it…but she is a CHAMP…and she did it!!! THANK YOU WINONA!!!
Sherry Bereziak | Purchase | Langley, BC
Winona really cared about me and my total financial picture. She found the right mortgage for my needs, not the needs of a bank or lending institution. Banks only sell you their products. Winona found the best lender in the marketplace for my needs, which opens up a whole new world of care and choice. Why shouldn’t you choose your best mortgage option rather than be told by an institution that “this is what you get”?
Susan S | Purchase | Vancouver, BC
Before working with you, my husband and I would simply research the current mortgage rates, then take what we learned to our bank and accept what they offered, not really knowing whether it was the best deal for us. We thought that because we’d dealt with the bank for a number of years, they’d have our best interests at heart. We simply focused on rate, and felt they were completely in control of the rest.
When we first started working with you, we liked your approach. You listened to our needs, did your homework, and took the time to walk us through all the possibilities.
Although the documents were lengthy, you explained each page, and knowledgably answered questions, turning what was in past a leap, close-your-eyes-and-jump process, into an experience where we felt we were part of making the best decision for us. Plus you were literally only a phone call away, and responded quickly and professionally.
We now have a mortgage that gives us not only a good rate, but the flexibility we need. As variable rate holders, we appreciate that you continue to keep us informed of market changes, and are there to help us take advantage of other possibilities as they arise.
Greg & Charlotte B | Refinancing a Renovation | Langley, BC
Winona makes it easy to talk about the subject of finances. She presented us with thoroughly documented information and offers a wide variety of resources for the best decision-making. Winona walked us through the options in a manner that was clear and direct. As my advocate, Winona keeps me up to date on relevant market changes and what impact or considerations these may pose for me.
Throughout the process I felt that Winona’s only interest was my best interest, working together to uncover what best suits my financial goals and supports my comfort levels. Winona facilitated my power to choose what was best for me. I highly recommend Winona for your mortgage financing needs.
Brooke Hannah | Purchase | North Vancouver, BC
Contact information:
Winona Reinsma, GRVD, BFA. Member of CAAMP & MBABC
Mortgage Professional with MortgagesLab
Phone: 604.882.3643 Fax: 604.882.2546
Email: winona.reinsma@gmail.com
check out: Money, Dollars and Sense & Exclusive DND Mortgages
“Get the BEST Mortgage, the one that is RIGHT for you!
Serving BC and the Yukon including Langley, Vancouver, North Vancouver, Coquitlam, Tricity, Surrey, Delta, White Rock, Cloverdale, Aldergrove, Matsqui, Chilliwack, Victoria, Nanaimo, Vancouver Island, Esquimalt, Prince George, Kelowna, Kamloops, all of British Columbia, Whitehorse, and coast to coast for the Department of National Defense with my Nationally available Exclusive DND Mortgage package.
Mortgages, Dollars & Sense 