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Have a question about buying a home, renewing, refinancing, mortgage planning, or one of the calculators on MortgagePaysYou.com?

You don't need to be ready to apply for a mortgage or make any decisions yet.

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We'll respond as soon as we can.

📧 Email

Questions, mortgage planning, or help understanding your mortgage options.

joel@mortgagepaysyou.com

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416.707.2926

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Choose a convenient time to discuss your mortgage questions and options.

💬 Not Sure What To Ask?

Common questions include:

• How much could I qualify for?

• Would refinancing actually save money?

• Should I accept my lender's renewal offer?

• How much should I expect to pay in closing costs?

• Could there be a better way to structure my mortgage?

• Could some of my borrowing potentially become tax-deductible?

• How do I use my Closing Cost Reward?

A short message is enough.

We'll help you determine the most useful next step.

🎁 Closing Cost Reward

Already reserved your reward?

Great!

When you're ready to use it, simply contact us using the same name, email address, and phone number from your confirmation.

We'll verify your reward and help apply it toward eligible mortgage-related closing costs.

⏳ Haven't reserved your reward yet?

You can still reserve up to $1,300 toward eligible mortgage-related closing costs before the current program changes.

Current program available until August 31, 2026.

Beginning September 1, 2026, the maximum reward will be up to $1,000, with eligibility reduced to 3 years.

💡 Ready When You Are

Whether you're simply exploring your options or ready to move forward, we're happy to help.

Questions are always welcome—whether you're months away from buying, comparing renewal options, or simply looking for guidance.

→ Email Us Anytime

Joel Laceda

Mortgage Agent Level 2

BRX Mortgage Inc.

FSRA #13463

Joel Laceda Mortgage Agent Level 2

BRX Mortgage Inc. FSRA #13463