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Tricia Pudifin Mortgages

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Tricia Pudifin Mortgages

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🏡 Helping you reach your financial goals using mortgage strategies tailored to you!

10/13/2026

There’s nothing more rewarding than knowing I’ve made a meaningful difference for my clients. ❤️

For Rick and Sherry, it wasn’t just about securing a better mortgage rate. It was about simplifying their finances, improving their cash flow, and giving them greater peace of mind.

I truly value the relationships I build with my clients, and I believe that support shouldn’t end when the mortgage closes. Being there as their needs change is just as important as helping them get started.

Rick and Sherry, thank you for your incredibly kind words and for trusting me with your mortgage needs. It was, and is, an absolute pleasure working with you both!

❤️

10/07/2026

60 people. One room. A whole lot of connections being made.

Last week’s BNI Visitor’s Event was incredible. Our weekly meetings are always busy, but the energy at our Visitor’s Events is next level.

With 60 local business professionals in the room, there were new introductions, new relationships being built, referrals being exchanged and business being passed.

That’s what BNI is all about—building genuine relationships with great local business owners and helping each other grow.

If you’re a small business owner looking to make more connections, grow your business and showcase what you do, come check us out. We meet every Thursday morning and would love to have you visit.

Want an invite? Reach out and I’ll get you in.

10/06/2026

🗞️When rates make the news, my phone lights up with the same question: “Should I lock into a fixed term?”

I feel the stress that potential rate increases bring to my clients. My approach is to help them understand the actual impact by looking at the hard numbers.

So let’s do that…

💰Take a $500,000 mortgage with a 25-year amortization at 3.70% variable rate. Your payment is about $2,549 a month.

If rates rise 0.25%, that payment goes up about $67 a month.

Now compare to a fixed option. At 4.54% (same 25-year amortization), the payment is about $2,778 a month. That’s roughly $229 more.

Over five years, the fixed option costs about $13,700 more in payments than the variable option does today.

Whether variable ends up costing more depends on how far and how fast rates move.

For the variable rate to align with the fixed rate, it would need to rise about 0.84%, from 3.70% to 4.54%, and stay there.

That doesn’t make fixed the wrong choice…and it also doesn’t make variable the right choice. For some clients, a predictable payment is worth every dollar. That’s a personal decision.

But it should be a decision you make with the numbers in front of you, not one you make because of a scary headline.

I’m here to help.

If your renewal is coming up in the next 6 to 12 months, or you’re weighing variable against fixed, let’s run your numbers together.

Tricia Pudifin | Mountainview Mortgage

10/05/2026

This recignition is really about the people behind the number. ❤️

Every mortgage funded in last month came with a story, a goal, a change, or a new chapter.

To the clients who trusted me to be part of those moments — thank you. Whether we were buying a home, restructuring finances, navigating a renewal, or finding a solution that wasn’t obvious at first, I’m grateful you chose me to help.

Being recognized as #3 in funded volume for September is pretty special, but the best part will always be the people I get to help along the way.

Thank you for your trust, your referrals, and for allowing me to be part of it. ❤️

10/02/2026

New custom kicks from Westboro MIC 🔥

I had them customized to “Mortgage Flex” because Westboro is a big Mortgage Flex for me.

When a file doesn’t fit neatly into the traditional lending box, Westboro gives me the flexibility to find strong, viable solutions and keep my clients moving toward their goals.

Pretty fitting to have it on the shoes. 😎

Thank you Westboro MIC ❤️ I love them.

09/14/2026

This kind of feedback from my clients really means a lot. ❤️

A mortgage is a financial tool to help you reach your goals, but sometimes getting to that goal takes some planning, patience and a few adjustments to get everything where it needs to be.

Brian and I spent some time working through different options to find the right solution, and I’m so thrilled that it all came together and he’s now in his incredible new home! 😊🏡

Congrats, Brian! Enjoy your new home, and thank you for trusting me to help you get there. I’m lucky to have such great clients! ❤️

09/10/2026

Strong Mortgage Solutions are about so much more than simply finding the best rate…your mortgage is a financial tool that can help you reach your goals and help you better manage life’s expenses.

Reach out to discuss how your mortgage can support your goals. Always here for you! 😊

09/04/2026

This was a busy week in such a good way. 😊

🏡 Two First-Time Home Buyers closed!
I’ve been working with both of these clients for over a year, planning and preparing for their purchases — and this week, they both got the keys! 🔑 There’s something pretty special about seeing a long-term plan come together for my clients!

🔥 Three clients renewed at better rates.
Their existing lenders weren’t offering the most competitive options, so we found better ones — saving them interest over their upcoming terms. We also built strategies to help fast-track their mortgage paydown.

❤️ Two clients used their equity to restructure debt and significantly improve their monthly cash flow.
These are some of my favourite mortgages to close. You can literally hear the relief in someone’s voice when the pressure comes off and they feel like they have a fresh start.

A mortgage is ultimately just a financial tool. My job isn’t simply to find a rate — it’s to help my clients use that tool in a way that supports their bigger financial goals.

Thank you to my clients for continuing to trust me with some of your biggest financial decisions and most valuable assets. 🤗

Have a wonderful long weekend! ☀️

09/02/2026

As expected….no change in the overnight lending rate.

This means that if you have a Variable or Adjustable Rate product (mortgage or LOC), the interest rate remains unchanged. 😊

Next rate announcement 📣 is October 28th.

Questions? Reach out! Here for you anytime!

08/24/2026

There’s a lot happening right now that we can’t control. 🇨🇦

The breakdown in Canada–U.S. trade talks has added another layer of uncertainty — and I know for many people, the real concern isn’t the politics. It’s what this could mean for their job, their income and their family.

My advice? Don’t panic. Be proactive.

Take a look at your savings, your debt, your monthly cash flow and your mortgage. Your mortgage is more than just a payment — it can be an important financial tool when it’s structured properly.

And one thing I tell my clients all the time: the best time to understand your options is before you need them.

You don’t need to predict what happens next. You just want to be in a position where you have choices if things change.

If you’re wondering whether your financial house is in order, let’s have a conversation.

Sometimes the best strategy is making a change. Sometimes it’s knowing you’re already in a good position. ❤️

Here when you need me….

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Waterloo, ON

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