Behind the Scenes EMA Mortgage Podcast

Part-Time Up, Full-Time Down: Canada's Labour Market Shuffle   Don’t be fooled… Pay attention to the details…The UNEMPLOYMENT Rate went down for the month of January, and Actual Employment numbers is UP… This may suggest Strong Economy and inflationary…    While job report might initially appear positive, a deeper analysis reveals underlying weaknesses. The Bank of Canada is likely to maintain its...

The Ripple Effect: Canada's Inflation Rate and Your Wallet   Raymond Daez Mortgage Broker/Team Lead 416 705 3239 Mortgage Alliance Lic# 10530

Navigating the Unexpected Dip in Home Values   Raymond Daez Mortgage Broker/Team Lead 416 705 3239 Mortgage Alliance Lic# 10530   #emamortgageteam #mortgagealliance #mississaugarealestate #oakville #oakvillerealestate #miltonontario #miltonrealestate #haltonhills #ancasterontario #ancasterrealestate #torontorealestate #georgetownontario   #mortgagerates #mortgagebroker #mortgageagent #interestrate...

Can Mortgage Brokers Make $100k?… How?  Is it hard to be a successful mortgage broker? Is being a mortgage agent stressful? What makes a good mortgage agent? What do top mortgage brokers make? How do mortgage brokers in Canada make money? Do RBC mortgage specialists make commission? How much does a Mobile Mortgage Specialist at TD make? 

First off, Canada escaped entering a technical recession. Our Real GDP did fall by 0.3% in the third quarter, a revision in the second quarter numbers from negative to a positive growth of 0.3% prevented two consecutive quarters of decline, which is the standard definition of a recession.   Raymond Daez Mortgage Broker/Team Lead 416 705 3239 Mortgage Alliance Lic# 10530   #emamortgageteam #mortgag...

🏠💡 Think Mom-and-Pop Investors Hurt the Housing Market? Think Again!    Contrary to popular belief, Mom-and-Pop Investors are the backbone of our real estate, providing vital rental options and supporting local economies. They're not just investing in properties; they're investing in communities. Watch how mom-and-pop investors are positively shaping Canada's housing market! 🇨🇦🔑    Raymond Daez...

Raymond Daez Mortgage Broker/Team Lead 416 705 3239 Mortgage Alliance Lic# 10530

(1)How to get a Mortgage for a New Build Condo Assignment?   (2) An assignment is a REAL ESTATE sales transaction where the original buyer of a property (the “assignor”) allows another buyer (the “assignee”) to take over the rights and obligations of the Agreement of Purchase and Sale by THE ORIGINAL BUYER (THE ASSIGNOR), before THE CLOSING on the property. The assignee is the one who ultimately C...

Mortgage Agent look at Penalty Calculations for Variable and Fixed Rate Mortgage (Both from Bank and Fair Penalty Lenders)

MAKE GOOD DECISIONS… (1) DON’T RUN OUT OF MONEY -  A recession brings lower sales and therefore less cash… SMART DEBT MANAGEMENT IS IMPORTANT.. HOUSEHOLDS with high levels of debt are especially vulnerable during a recession.  MANAGE YOUR CASHFLOW. (2) Make sure your financial plan is up to date. Plan ahead of the recessionary conditions. ... (3) Review your budget. ... (4) Fully fund your emergen...

You have seen Mortgage Rate Increases and Your Expenses will continue to increase.   You know it is a good idea to have a Household Budget but you don’t know where to start.  Let me help.  

Covid-19 Recovery Strong Employment Growth Wage is going up Inflation above Target… inverse relationship with Interest Rates so this helps bring inflation down It will not affect your Borrowing Capacity I think it is still a good time to buy If you are a buyer, The best time to buy was 15 to 20 yrs ago, but the 2nd best time is TODAY!!!  

#emamortgageteam #mortgagealliance #mississaugarealestate #oakville #oakvillerealestate #miltonontario #miltonrealestate #haltonhills #ancasterontario #ancasterrealestate #torontorealestate #georgetownontario   #mortgagerates #mortgagebroker #mortgageagent #interestrates #mortgage #fthb #bramptonrealestate #hamiltonrealestate #ancastermortgage #ancastermortgageagent

A new Article from Canadian Mortgage Trend…”Fixed Mortgage Rates Are Rising. Are Variable Rates Next?”   Inflation a growing concern - Canada’s headline CPI growth rose to a higher-than-expected annualized rate of 4.8% as of December   record levels of inflation and high housing prices coincide with an anticipated economic rebound from the Omicron wave of the pandemic, some economists say.   The l...

Should you go BIG or SMALL with your Down Payment when Buying a House? Let’s discuss the right down payment amount for your purchase.     #emamortgageteam #mortgagealliance #mississaugarealestate #oakville #oakvillerealestate #miltonontario #miltonrealestate #haltonhills #ancasterontario #ancasterrealestate #torontorealestate #georgetownontario   #mortgagerates #mortgagebroker #mortgageagent #inte...

OSFI Leaves Mortgage Stress Test at 5.25%   #emamortgageteam #mortgagealliance #mississaugarealestate #oakville #oakvillerealestate #miltonontario #miltonrealestate #haltonhills #ancasterontario #ancasterrealestate #torontorealestate #georgetownontario   #mortgagerates #mortgagebroker #mortgageagent #interestrates #mortgage #fthb #bramptonrealestate #hamiltonrealestate #ancastermortgage #ancasterm...

David Gyurits (RVP Mortgage Alliance): My Relationship with Money Series! Please Welcome David Gyurits! Integrity - Unity, wholeness, honesty, ethics, morals… These are words I relate to our guest. What makes him special is that he is someone with Integrity and he is dedicated to his work. He used to be a top Performing Branch Manager at a Major Bank and now I know him as a mentor.  He is currentl...

Top 5 things to consider when selling your investment property   (1) Lifestyle Goals  Being a Landlord is real work -  Do you feel that you dont want to do this anymore Take back your time to manage other things rather than your rental/s (2) Retirement Planning Should you keep the rental property for the Cashflow OR Cash In and enjoy the equity…  Increased Value and Paying Down Your Mortgage.  You...

Top 3  Villains of the Canadian Housing Market.  This has nothing to do with the Political Parties.  Foreign Buyers, Investors that are Flipping Homes, Realtors with Blind Bidding   #emamortgageteam #mortgagealliance #mississaugarealestate #oakville #oakvillerealestate #miltonontario #miltonrealestate #haltonhills #ancasterontario #ancasterrealestate #torontorealestate #georgetownontario   #mortga...

This is the 1st Episode of My Relationship with Money Series.  It is such an honour to have a great person and leader in Pinder Singh as our first interview.  You will hear about Pinder’s relationship with money from when he was a young kid, to high school age, and Now.  Listen to how Pinder views Money as both the Goal and a Tool.  I hope you enjoy this episode as much as I do.    Raymond Daez |...

Behind the Scenes EMA Mortgage Podcast Episode 32:  How do I get my Down Payment for My 1st Rental Property? In this Episode, we look at the acceptable Down Payment resources for Purchasing a Rental Property.  Ray also gives his ideal pick for the Toronto Raptors #4 NBA Draft Pick.  See his starting 5 for 2021 Raptors.   #emamortgageteam   #mortgagealliance   #mississaugarealestate   #oakville   #...

In this Episode, we answer the questions:  How much income do you need to live in Ancaster and Is this a good place to buy Rental Properties?  Ray also shared his experience with Salmon Fishing in Lake Ontario.   #emamortgageteam #mortgagealliance #mississaugarealestate #oakville #oakvillerealestate #miltonontario #miltonrealestate #haltonhills #ancasterontario #ancasterrealestate #torontorealesta...

#emamortgageteam #mortgagealliance #mississaugarealestate #oakville #oakvillerealestate #miltonontario #miltonrealestate #haltonhills #ancasterontario #ancasterrealestate #torontorealestate #georgetownontario   #mortgagerates #mortgagebroker #mortgageagent #interestrates #mortgage #fthb #bramptonrealestate #hamiltonrealestate 

David Gyurits talks with Ray about various topics on being a Mortgage Agent.     #emamortgageteam #mortgagealliance #mississaugarealestate #oakville #oakvillerealestate #miltonontario #miltonrealestate #haltonhills #ancasterontario #ancasterrealestate #torontorealestate #georgetownontario #mortgagerates #mortgagebroker #mortgageagent #interestrates #mortgage #fthb #bramptonrealestate #hamiltonreal...