Randy Wyant

04/23/2026

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04/08/2026

https://breezeful.com/brokerage-agent/randy-wyant

03/26/2026

Are you worried about your mortgage renewal because your credit score took a hit? Call me for an appointment and I’ll show you how I can help you!

03/24/2026

A common question from buyers is whether they must put 20% down.

While a larger down payment can reduce the size of the mortgage, many Canadians purchase homes with less.

The right strategy depends on savings, monthly affordability, and long-term plans.

If you want to review what down payment makes sense for your situation, I can help you look at the numbers.

Randy Wyant
Mortgage Associate

📧[email protected]
☎️ 780-910-9056
🖥 https://breezeful.com/brokerage-agent/randy-wyant

Start your application at Breezeful:
https://breezeful.com/brokerage-agent/randy-wyant

Mortgage Form:
https://forms.gle/9hFhjG61EknEMNn29

This form collects information from individuals seeking mortgage options. Please answer all questions accurately to help us understand your financial situation, preferences, and eligibility.

03/22/2026

Ready to make your move? We're here to help you find the right mortgage with great rates and easy options. From first homes to refinancing, we make the process simple and straightforward, so you can focus on what matters most: enjoying your new home.

https://breezeful.com/brokerage-agent/randy-wyant

Mortgage Form:
https://docs.google.com/forms/d/e/1FAIpQLSdiGXgPfsoVP6shZzKjQ8tdUmEgKKPi5NQ5Z5BhKhOApTlpyA/viewform?usp=sharing&ouid=118254324500570145773

01/03/2025

This is how the moon origination looks in Cebu. 😊

12/02/2023

Five Things You Need To Be Preapproved For A Mortgage

Documents to verify your employment may include: An employment letter with your start date, position and pay (including whether you’re salaried, hourly or receive commission) Two to three pay stubs or bank statements confirming direct deposit Your T4 that verifies employment income and/or your T4A that verifies other income If you’re self-employed, you’ll be asked to provide the last two years of Notice of Assessments from your income tax return, as well as financial statements if you run your own business. In addition to employment income, you also may be able to use: Retirement income, such as CPP or your RRSP Support payments, such as spousal support Rental income Investment income, such as interest payments and dividends Your income is an important factor in your mortgage preapproval as lenders use two ratios to assess your ability to afford a home: Gross Debt Service ratio (GDS) is the percentage of your monthly income that goes toward housing costs. Documentation to prove you have the means to cover the down payment and other costs may include: Bank statements Investment account statements Gift letter, if your down payment is a non-repayable gift from a relative or family member As noted above, you need to prove to your lender that you can carry the costs for your property as well as service any existing debts, including credit card payments and your car loan.
For all renewal needs call me at.
(780)910-9056

07/17/2023

Guess who is 5yrs old today! Happy Birthday Jaymz!

07/12/2023

05/29/2023

Options For Reducing Mortgage Payments
Generally speaking, we all want to pay off our mortgage as quickly as possible, it makes sense that paying it off faster saves you money. However, once the calculations are done you may ask for options to reduce the mortgage payment for your own personal reasons. There are several ways to reduce your payment amounts.
• Increase down payment.
• Extend the amortization period
• Choose a term with a lower interest rate
Increasing the down payment
A smaller loan amount will lower your LTV ratio which could lead to not requiring Mortgage default insurance, eliminating your insurance premium. Even if it’s still a high ratio Mortgage reducing your LTV will still decrease your premiums saving you money. When possible; having a larger down payment results in less interest paid over the life of the mortgage.
Effect of Amortization on Payments
Another way to decrease payments is to extend the amortization. Some lenders are allowing 30 yr terms which can be the difference between qualifying or not.
• The benefit is reduced payment (reduced financial stress)
• When shopping for a mortgage and this is your only option, ask your broker about pre-payment privileges. (Having the option to put “extra” income towards your principle is smart)
• The downside is the interest added to the loan can be significantly higher
Choosing a Term With a Lower Rate
When possible, choose a term with a lower interest rate, lower interest rates results in lower blended (principal & interest) payments.
There are three options for getting a lower interest rate.
• Shorten your amortization (generally the shorter the term the lower the interest rate)
• A variable rate "typically" has a lower rate than a fixed. at the time of this writing, Fixed has a lower rate than variable.
• Closed terms typically have lower rates than open terms
When choosing a plan be sure to assess what would happen in the event of a rate increase and how that would affect your overall payment. Talk to your Mortgage Professional or call me for a free evaluation.
Randy Wyant
(780)910-9056
Mortgage Force
Dominion Lending