Mortgage Strategy Backed by Global Interest Rate Expertise
Mortgage Freedom Plan
Turn referrals into real savings on your mortgage
Pay down your mortgage faster
or lower your monthly payments
👉 They get up to $1,300 — you earn $200–$800 per referral
≈ 5 referrals ≈ 1 mortgage payment
Share → Earn → Save
Share → Earn → Save
A simple way to reduce your mortgage costs over time
WHY THIS EXISTS
To use your rewards toward your mortgage with us
👉 Designed to help you work toward:
• up to 1 monthly mortgage payment
• plus 1 additional payment applied as a lump sum
HOW IT WORKS 🏡
STEP 1 — SHARE 👥
Share this with someone you know
• They get up to $1,300 toward their closing costs
• You earn when they complete their mortgage
STEP 2 — EARN 💰
When someone you share this with completes a mortgage
• They receive their closing cost reward
• You earn rewards (typically $200–$800 per referral)
💡 Funded from the lender commission — no added costs to your mortgage
STEP 3 — USE 🎯
Use your rewards toward your mortgage
• up to 1 monthly mortgage payment
• plus 1 additional lump sum payment
STEP 4 — GROW 📈
Your rewards continue growing over time
• What you don’t use now can be used toward your next mortgage
• Over time, this can build into meaningful savings
HOW MUCH YOU CAN USE NOW
You can use a portion now, while the rest remains in your rewards account
Access increases as your rewards grow
Typical Milestones:
$500 → use $350 now, $150 remains
$1,000 → use $700 now, $300 remains
$1,500 → use $1,050 now, $450 remains
$2,000 → use $1,400 now, $600 remains
HOW MUCH YOU CAN USE NOW
You can use a portion now, while the rest remains in your rewards account
Access increases as your rewards grow
Typical Milestones:
$500 → use $350 now, $150 remains
$1,000 → use $700 now, $300 remains
$1,500 → use $1,050 now, $450 remains
$2,000 → use $1,400 now, $600 remains
REAL EXAMPLE
Here’s what this can look like in practice
🏡 Based on:
$365,000 mortgage · 4.00% · 5-year fixed · 30-year amortization
Monthly mortgage payment ≈ $1,750 (≈ 5 referrals)
5 Referrals (~$2,500)
➡️ $1,750 applied as a lump sum
➡️ $750 remains in your rewards account
💰 Save approximately $4,000 in interest
⏱️ Paid off about 3 months sooner
10 Referrals (~$5,000)
➡️ $3,500 applied as a lump sum
➡️ $1,500 remains in your rewards account
💰 Save approximately $8,000 in interest
⏱️ Paid off about 6 – 7 months sooner
Lock it in now — decide later
No obligation. Takes less than 30 seconds
Joel Laceda Mortgage Agent Level 2
BRX Mortgage Inc. FSRA #13463