Behind the Scenes EMA Mortgage Podcast

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Ray welcomes Charles Climenhage, Realtor at Royal LePage.  They discussed Charles' inspiration to become a Realtor, production in 2020, Outlook for 2021, and Suggestions to Mortgage Agents looking to build partnerships with Top Performing Realtors.     Raymond Daez | Mortgage Agent | EMA Mortgage Team- Expert Mortgage Agents | Mortgage Alliance - Lic# 10530 | T# 416 705 3239 | www.expertmortgageag...

Ray talks Real Estate and Mortgages with Sunny Aujla of Century 21.  They discussed Investing in Real Estate, Why Real Estate Photos are Important, First Time Homebuyers, Leasing a Home, Why people are moving out of the GTA, Can Millennials afford their first house, Will house prices continue to rise, Conditions and Negotiations, Importance of a Real Estate Agent, and Fixed vs Variable Rate Mortga...

Chantelle and Ray went on Instagram Live to answer your Real Estate and Mortgage questions.  If you are a first time home buyer, looking for a property with a 2nd unit or a business for self individual, you will find this episode useful.

Raymond Daez of EMA Mortgage Team - Mortgage Alliance looks at the trends in the GTA and Ontario Housing Market.  The old saying "Location, Location, Location" has been changed to "Location, Location, SPACE".  Work from home, Kids attending eLearning from Home, not having to share space via elevators, and need for a backyard space have all contributed to the need for more Space.

A Look Back at 2020 - We started year 2020 with so much excitement. We started a mortgage team, EMA Mortgage Team - Mortgage Alliance. By Mid March we were in a lock down due to Covid 19. Households face health and financial concerns because of the pandemic. Our homes became the place where you keep yourself safe and others safe from you. We use our homes to Social Distance, Learn and Work from ho...

Toronto's Vacant Home Tax The City of Toronto will be implementing a Vacant Home Tax. It will be at 1% Vacant Tax Rate of the Property's Taxable Assessed Value. It will likely start in 2022. The goal is to force unoccupied homes to be rented or sold. Let's look at Vancouver's Vacant Tax Rate on what might our Vacant Home Tax may look like.

Raymond, Mortgage Agent at EMA Mortgage Team-Mortgage Alliance, talks about the most recent Bank of Canada rate announcement.  There are changes proposed for the current First Time Homebuyer Incentive program.  This incentive is a Shared Equity program.  The Changes relates to the maximum household income allowed to qualify for the program and also the increase to the multiplier for the maximum mo...

Raymond Daez, Mortgage Agent with EMA Mortgage Team - Mortgage Alliance, discusses the new 0.99% Mortgage Rate offering by HSBC.  It is a Variable Rate Mortgage offering for High Ratio deals only.  Affordability of homeownership has improved due to low mortgage rates, but it does not mean that you can borrow more.

Will the rates start to go up now that there may be a vaccine on the way?   Changing Lives, One Mortgage at a Time! Raymond Daez | Mortgage Agent | EMA Mortgage Team- Expert Mortgage Agents | Mortgage Alliance - Lic# 10530 | T# 416 705 3239 | www.expertmortgageagents.ca

Mortgage Agent look at what to expect from today's Mortgage Rates and Best of Luck with the Presidential Elections in the US!

Raymond Daez, Mortgage Agent with EMA Mortgage Team - Mortgage Alliance talks about   * Low Mortgage Rates * Credit Score Issues * Finance Minister Change * Strong Home Sales   Changing Lives, One Mortgage at a Time! Raymond Daez | Mortgage Agent | EMA Mortgage Team- Expert Mortgage Agents | Mortgage Alliance - Lic# 10530 | T# 416 705 3239 | www.expertmortgageagents.ca

Mortgage Agent from Mortgage Alliance Canada assesses the possibility of buying an Electronic Vehicle (Tesla Model Y) for business use. See the features of the Model Y, and pictures of the car. Mortgage Agent, Raymond Daez, also discusses the possible tax deductions available for Business for Self/Mortgage Agents when it comes to Automobile Expenses. Enjoy.   I greatly appreciate it if you could f...

Raymond Daez, Mortgage Agent with EMA Mortgage Team - Mortgage Alliance, talks about how to handle mortgage rate conversations, news update that Mortgage Stress Test in Canada is going DOWN, use Purchase Plus Improvement with CMHC, Genworth and Canada Guaranty to improve or renovate your home, lastly asking for your input on Tesla Model Y.   Changing Lives, One Mortgage at a Time!   Raymond Daez |...

Raymond Daez, Mortgage Agent with EMA Mortgage Team - Mortgage Alliance talks about   * A great Civic Holiday Long Weekend * Toronto Raptors are back and won 2 games in the Bubble * WHEN A MORTGAGE PREAPPROVAL IS NOT GOOD ENOUGH!   Changing Lives, One Mortgage at a Time!   Raymond Daez | Mortgage Agent | EMA Mortgage Team- Expert Mortgage Agents | Mortgage Alliance - Lic# 10530 | T# 416 705 3239 |...

Raymond Daez, Mortgage Agent with EMA Mortgage Team - Mortgage Alliance, gives a quick update for the week of July 27th.    “Happy Eid to our Friends”   Mortgage Lenders are slow to underwrite right now due to high volumes   "Capital gains tax on principal residences is still a bad idea."   More cases of Mortgage Fraud.   STAGE 3 of REOPENING started on Friday for Peel Region and Toronto.   Changi...

Raymond Daez, Mortgage Agent with EMA Mortgage Team - Mortgage Alliance, talks about what TO DO and NOT TO DO after a buyer gets a successful mortgage approval.   Changing Lives, One Mortgage at a Time!   Raymond Daez | Mortgage Agent | EMA Mortgage Team- Expert Mortgage Agents | Mortgage Alliance - Lic# 10530 | T# 416 705 3239 | www.expertmortgageagents.ca

Mortgage Agent at EMA Mortgage Team - Mortgage Alliance shares the 3 factors that need to be address in order to get a mortgage approval.   Changing Lives, One Mortgage at a Time!   Raymond Daez | Mortgage Agent | EMA Mortgage Team- Expert Mortgage Agents | Mortgage Alliance - Lic# 10530 | T# 416 705 3239 | www.expertmortgageagents.ca

Raymond Daez, Mortgage Agent with EMA Mortgage Team - Mortgage Alliance, talks about a question that has been repeated asked: "Is it a good time to buy?".   Changing Lives, One Mortgage at a Time!   Raymond Daez | Mortgage Agent | EMA Mortgage Team- Expert Mortgage Agents | Mortgage Alliance - Lic# 10530 | T# 416 705 3239 | www.expertmortgageagents.ca

Raymond Daez, Mortgage Agent with EMA Mortgage Team - Mortgage Alliance, talks about how gratifying it is being a mortgage agent.  You are helping improve clients lives everyday. He discusses the process of "How to get a Mortgage in Canada?".  The important factors in getting a Mortgage Prequalification then turning it into a Mortgage Approval were discussed.     Changing Lives, One Mortgage at a...

Raymond Daez, Mortgage Agent, talks with a Special Guest. We are so lucky to have a special guest today. Karen is a wonderful client of EMA Mortgage Team. She is a homeowner that bought her first rental property. You will love her energy and her passion on this topic. She is kind enough to share her time and expertise with us today. Make sure to watch and listen until the end of the episode as we...