Everything you need to know about getting a mortgage
Tammy provides a comfortable environment that takes some of the stress out of home buying. As a first time home buyer I had a lot of questions and learning to do, and Tammy was extremely helpful and prompt along the way. Highly recommended.
Tammy has been my mortgage broker for over 10 years. Whether its for the purchase of a new home, a refinance, or just someone to give you an idea of what your financial options are, Tammy is the one to call. She has always come through for us and has always found the best option / rate! She is easily accessible and keeps you informed. If you are a home-owner, and run into tough financial times, or have over-extended yourself financially, look to Tammy for excellent advice - She will provide the answers!
Over the last 10 years, Tammy has gone above and beyond for us many times, helping us consolidate debt and refinance our mortgage to improve our cash flow. Her advise, direction, and dedication to helping us has been invaluable. Most recently, Tammy helped us purchase a new home and qualify for a new mortgage. With all the changes to regulations over the last few years, it was much more difficult than when we first bought property 15 years ago. Tammy guided us through all the hoops with grace and perseverance when I was ready to give up. Professional, personable, and always there for us. I've recommended friends to Harmony Mortgage before and will do it again!!
In today's Mortgage Market it is really hard to find a decent Mortgage Broker that is genuine in their opinions and one who will also provide sound and unselfish advise. When I happened upon Tammy (who came highly recommended by a previous and satisfied client), I was taken aback how knowledgeable she was and reactive to my Mortgage business needs. Wow, wow, wow!!!!!! Words cannot explain her high level of professionalism and the speed at which she worked and above all, the guidance she provided knowing that every minute counted while she works away at your file. Tammy, you are a life saver and a blessing to the Canadian Mortgage Broker Industry!!!! You work for and with your clients until you get amazing and successful results. You've truly earned by business going forward and I hope others will have the same rewarding experience that I've had too!! Gazillion kudos to Tammy and the 'Harmony Mortgage Group' team in Chilliwack, BC, Canada!!!
I have referred many clients to Harmony Mortgage Group and have heard nothing but amazing feedback about their customer service and knowledge when it comes to lending. The clients loved feeling heard and will be life long clients of Harmony Mortgage Group.
Thank you Tammy and Carie for always putting my clients needs first. Could not recommend you enough.
Valley Wide Financial Corp.
Valley Wide Financial corp Google review
It is a great pleasure for me to write this review for Tammy O’Callaghan.
We know Tammy since early 2007 when we acquired two investment properties and we would never change her with another mortgage broker. Her skills and quality financial professionalism gave us total confidence in 2010 as well to close on our current home and to refinance it in early 2016.
Besides, Tammy is our trusty advisor when it comes to making important financial decisions.
We worked with banks before and shopped with other brokers against her but nothing can compare with Tammy’s ability to find financing that suited our needs in this changing economy.
We recommended Tammy to several friends, colleagues and real estate agents that we worked with and they are all very content about the invaluable services that she provided.
It is with complete and total confidence that I would refer Tammy O’Callaghan to any perspective borrower or personal and professional contacts. She is simply the best.
My experience with Carie has been very good and positive. She understands creative real estate investing, and she was able to help us with some challenging deals. She is positive, informative and a pleasure to work with!
Harmony Mortgage Group is awesome! After some life changes we went to our bank and were told by them to come back in about 3 months and try again to get a mortgage. We are long term clients at that bank and we felt that no one even wanted to take the time to listen, let alone help us. Out of frustration we called Harmony and we will move into our new home this week!! Carie, Tammy and Tania went above and beyond to help us and we didn't make it easy for them! Every time we met with them or called someone was there to help us. I would recommend them in a heartbeat. Thank you all so much for your hard work and dedication. Best of luck to you all in your new location. Ed & Wendy
Very happy with our experience with harmony mortgage. We recently refinanced our mortgage so we could do some much needed renovations. The ladies at harmony mortgage made the entire process easy. I will never go threw a bank again. Thank you for all the hard work you do Carie & Tammy.
Carie was incredibly helpful in finding a mortgage that worked for our family. She provided options to ensure our mortgage was competitive and provided the customer service we were looking for. She responded to questions quickly and made us feel as though we were her only customer. We will definitely be recommending Carie to our friends and family. Thanks Carie and the team at Harmony Mortgage!
Harmony Mortgage has helped my family twice now in the past. The service we received was beyond our expectations. .. and we continue to feel the integrity of the team members there. We knew our property situations were in excellent hands with the references and word of mouth heard in the community. We will only deal with them.in the future. Thank you again. .. you're amazing.
Words can not express how wonderful and helpful and patient Tania and the team are. They gave me and my family a wonderful opportunity to become home owners and i can not express enuff of my pleasure in dealing with them and the patients they had with us. I highly recommend using them for your mortgage needs.
I would like to send a huge thank you to Tammy O'Callaghan of Harmony Mortgage Group for all she did with our finances. We remortgaged with Tammy last month which saved us close to $1000 a month without adding extra time to our existing mortgage. Not only did she make sure we understood everything she was doing, she did what the bank said they couldn't. We were able to keep our mortgage rate, which the bank also said they couldn't do. If you're looking to buy a house or do a refinance, go see the girls at Harmony Mortgage Group. Thanks Tammy!
If you have questions about a mortgage or the bank prices don't feel "right" you NEED to call the ladies at Harmony Mortgage.
My husband and I just purchased our first home and initially were in a panic because our bank had us believing that we had to pay a very high interest rate. At the recommendation of our realtor we contacted Carie and everything changed!
She's not only helped us get an incredible rate, she's also been willing to answer countless questions from me, even months after we've completed the purchase.
We will absolutely recommend and use Harmony Mortgage again!
Acquired my first mortgage through Harmony. Was extremely nervous after going to my own bank; Harmony changed this for me and made it a positive and knowledgeable experience with all the support and information provided. I recently refinanced with them and they were able to pull everything together in a short amount of time. I would, and do recommend Harmony to anyone, and everyone I meet wanting to buy a house.
We worked with Carie for our first home purchase and she was absolutely fantastic. We had only a short window to remove our subjects and she was fast and efficient with all the paperwork and we were able to get everything done on time. She made the process run very smoothly, explained everything very thoroughly and we felt at ease through the whole process.
We also went with Harmony Mortgage to do our refinance. Carie was super helpful, gave us multiple options on what we could do financially for the refinance. We really appreciated the flexibility to be able to choose what was best for us. Again, they were fast and efficient with the paperwork and always available to answer any questions. They made the whole process feel comfortable, I always felt like they were on our side and working for what is in our best interest. Buying a house and refinancing can be stressful and the ladies at Harmony Mortgage made everything that much more enjoyable.
Being a local Chilliwack Home Inspector I have had the opportunity to work with Carie on several occasions. I have always found her to be very professional, and very helpful. If you are looking for a Mortgage or have questions regarding a mortgage Carie is the gal to call. I wouldn't hesitate to refer her to my clients. It's always a pleasure to work with Carie.
"I was recommended to contact Tammy to assist me with the purchase of my first home. I am VERY happy that I did!
Even though we live half-way across the country from one another, she was very quick to respond and was extremely personable throughout the duration of our email correspondence. Tammy happily answered any and all questions I had, no matter how small.
I have since recommended Tammy to anyone that I know who is looking to contact a mortgage broker of their own. I will definitely use Tammy again as my mortgage broker for future home purchases."
I am a Realtor in Chilliwack and refer clients to Carie. I always find Carie very helpful and knowledgeable and ready to get the job done. My clients love her. My approach is a very personal approach with my clients, and I find Carie to be the same. I highly recommend Carie and encourage you to give her a call today. We love working together to get our clients their dream homes!!
Carie was extremely helpful and patient through the whole mortgage process. She answered every question I had and I felt as if she was there to help me and not just trying to get another commission. I recommend Carie to anyone looking at getting a new mortgage or refinancing or whatever. Thanks again for all your help!
Tammy is a hard working and enthusiastic professional, who puts clients needs first. I would recommend using her for your next home purchase or refinance
Tammy has been my mortgage broker for over 10 years. Whether its for the purchase of a new home, a refinance, or just someone to give you an idea of what your financial options are, Tammy is the one to call. She has always come through for us and has always found the best option / rate! She is easily accessible and keeps you informed. If you are a home-owner, and run into tough financial times, or have over-extended yourself financially, look to Tammy for excellent advice - She will provide the answers
Carie has an incredible level of personal professionalism that is very hard to come by. She immediately puts you at ease, and gains your trust with her demeanour and attentive listening skills. The service Carie gives leaves nothing to be desired, she is always one step ahead, anticipating questions before you before you have time to ask. I will not think twice when the time comes for me to need a Mortgage Broker, and would swear by her when recommending to others.
She genuinely cares about her clients, and her communication and integrity is beyond reproach. She is my first draft pick for my Mortgage broker needs. I just can't thank you enough Carie for all you have done so far. I can't wait to partner with you in the future. I look forward to working with someone I trust and who has my best interests at heart.