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Wanita Piercey

Wanita Piercey, MPC

Mortgage Agent

CENTUM Superior Mortgages Corp.

38 Duffy Place

St. John's, NLA1B 4M5

wanita_piercey@centum.ca
Direct: 709-630-1875 Cell: 709-630-1875 Personal Fax: 709-757-0032

Lowest Rates* in Canada

Welcome to my Website

Welcome to my website!  I work from my home office in beautiful Sunnyside!  I help clients right across NL & Labrador.  No appointment necessary, I can take your application over the phone.  In today's technical world, everything can be taken care of by fax or email.  It's very convenient and works well for everyone!

You may have seen some articles or heard mention in the news recently of new mortgage regulations and the “stress test”. I wanted to share the information with you directly.

The Office of the Superintendent of Financial Institutions (OSFI) has released the new B-20 regulation that comes into effect January 1, 2018. The B-20 regulation will impact your borrowing power and maybe the difference of getting approved or not. The rule requires you to pass a stress test by qualifying at the greater of the benchmark rate published by Bank of Canada or the contractual mortgage rate +2%. This new regulation can reduce your borrowing power by up to 25%!  See the image below on how the B-20 regulation will impact your borrowing power. 

Don't delay, get approved today!  You may call me and I can take your application over the phone.  You have the option of applying online, by clicking the link above.  Or, send me an email!  

709-630-1875; wanita_piercey@centum.ca 

I am a licensed Mortgage Broker and a member of  Mortgage Professionals Canada.  I am paid by the Lenders, so no broker fees to you! I have been in the Banking/Financial Industry for over 37 years, 20 years dealing with Mortgages.  I have established great relationships with several banks and lenders, so let me find the best mortgage and rate for you!

Please feel free to 'like' my facebook page:  Wanita Piercey, CENTUM Superior Mortgages Corp

Call me today, no application fee, no obligation!!

709-630-1875

No downpayment saved but you are wanting to buy a house?  Are you aware of non traditional downpayment options such as non-repayable gift from an immediate family member or borrowed funds from a credit line, loan or credit card are acceptable?  The mortgage application would have to qualify using 3% of the credit line or credit card balance, or monthly loan payment included in liabilities.  Flex Down Borrowed and Flex Down Gift Program, Flex Down insurance premiums will apply.  Currently 3.85%, increasing March 17th, 2017 to 4.50%.

1st Time Home Buyer, Repeat Buyer, Rental Property, Vacation Home or New Construction, let me negotiate the best deal on your behalf.   I work for you as opposed to the Lender.  When you use the services of a Mortgage Professional at a lending institution, you are exposed only to the rates and products of that one institution.  I have access to several Banks and Lenders across Canada. 

Is your Mortgage renewing?  Almost 60% of people sign their renewal without researching what the competition has to offer.

Need more monthly cashflow?  Why not use the equity in your home to pay off those high interest credit cards and loans.  ONE monthly payment.  Looking to refinance for Investments, RRSP's or renovations, I can help!

Why get preapproved for a mortgage?  You'll save time, seeing only homes you can afford.  You will feel comfortable knowing what your monthly payments. 

At CENTUM, we're always looking out for your best interest.™

 

Personal Background

I was born in Stephenville, NL and I am the second oldest of 6 children.  I had a great upbringing with two wonderful parents who taught us good morales and good manners.  Growing up, we lived in a few places across NL and spent quite a few years in NS.  Because of my love for NL, I have moved back and I am now enjoying my life in Sunnyside, NL with my sister. I am blessed to be closer to my parents, and lots of family and friends. I am so happy to be a short distance from a beautiful community where my dad was born, in Monkstown.  My son is 26 and is very successful in the music industry.  

Community Involvement

I am honored to be a member of the Sunnyside Lions Club.

Testimonials

"I definitely will be highly recommending your services to any of our friends or family members who are looking into purchasing a new home.  You were just excellent and I would tell that to anyone"....SP Corner Brook

Professional Background

I have 35 years experience in the Banking/Financial Industry and enjoyed various job positions, including Customer Assistance Officer, Customer Service Rep, Mortgage Help Desk Assistance, and Mortgage Specialist Assistant. 

20 of those years, I have been in the Mortgage field.  The past 7 years have allowed me to develop great relationships with different Lenders, giving me the capability of using these relationships to your advantage.

 

Personal Interests

I have a wide variety of interests from playing pool and darts to picking berries to snowshoeing in the winter.  One of my favorite things to do is to visit my dad's hometown, Monkstown.  As kids growing up, I remember having to take the ferry into Monkstown and the joy it brought being greeted at the dock.  Jigging, boat rides, hanging out with friends, great memories.