Let's chat: 289-923-3318
TMG The Mortgage Group (Ontario) Inc.

Gramma Jules – Pack Leader & Hardship Navigator

Julie Sanderson, Mortgage Agent Level 1 | Licence #M12001752 | 35+ Years of Real Rescues

Woof-approved by Vana & Bo! I’m Gramma Jules, the human heart of our Homeowner Hardship Rescue Team. For over 35 years I’ve steered Ontario families through every financial riptide: 


  • 18 % prime rates in the early ’80s 
  • the 1990 credit crunch 
  • the 2008 global meltdown 
  • the 2022-23 rate-shock tsunami 
  • plus job loss, illness, divorce, business dips—I’ve seen it all. 







When banks slam doors, I place you with trusted alternative lenders to protect your home today—then coach you step-by-step until your credit sparkles and we swim you back to an A-lender with the lowest rates. 

No scenario surprises me; I’ve lived them. 

Off-duty? You’ll find me hurling tennis balls into the lake (Vana retrieves, Bo loses half in the rocks— worth every laugh), or leading the pack on long wooded hikes where tails wag and worries fade. Same passion I bring to every file: relentless, joyful, results-driven. Vana dives for data, Bo brings the hustle, and I deliver the battle-tested know-how. Proud dog grandma to Vana & Bo | Let’s turn your hardship into solid ground—contact me now




Vana – Director of Aquatic Rescue

Pure-bred Golden Retriever | Champion Dock-Diving Bloodline

Woof! Vana here—golden girl with water in my veins and rescue in my heart. 

I’m the lead diver on Gramma Jules’ Homeowner Hardship Rescue Team. 

When skyrocketing rates or piled-up bills have you drowning, I splash in fast: sniffing out hidden equity, fetching lower payments, and guiding you straight to Gramma Jules—Ontario’s mortgage veteran with 35+ years of real-world rescues. Renewals, refinances, debt consolidation—she’s saved more homes than I’ve retrieved tennis balls (and that’s a lot). 

Off the clock, I rocket off docks like my champion ancestors, slice the lake clean, and swim endless laps with the family. No ball escapes me—rocks don’t stand a chance. 

Let’s turn your financial undertow into smooth sailing. Contact Gramma Jules today!




Bo – Chief Effort Officer

Pure-bred Blue Merle Standard Poodle | 110% Heart, 0% Quit

Arf-arf! Bo reporting in—curly blue-merle try-hard with the biggest grin in the pack. 

I may not soar off docks like Vana (my jumps are more “enthusiastic splash”), but I hustle twice as hard for homeowners stuck in the rocks of high payments or renewal shock. 

I dig up every refinancing trick, chase down consolidation wins, and herd you to Gramma Jules—35+ years of battle-tested mortgage know-how that turns panic into payoff. Playtime? 

I sprint the shoreline, launch after balls, and lose half in the rocks (worth it for the zoomies!). Family swims mean goofy cannonballs and zero regrets. 

Same energy for your wallet—let’s hustle your hardship into relief with Gramma Jules!