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Licensed Mortgage Agent Level 2 | Serving Ontario Homeowners
Start With Up to $1300 Toward Closing Costs
Compare mortgage options from 59+ lenders with personalized mortgage strategy informed by global interest rate expertise.
(25-second video)
Mortgage → $1,300 Closing Cost Reward
👥 Know someone buying or renewing soon?
🔗 Share this so they can lock in the same reward too.
✓ Takes less than 30 seconds
✓ No obligation
🎥 How the Closing Cost Reward Works
Lock In Up to $1300 Toward Mortgage Closing Costs
Often covering most of your legal closing costs.
Claim your reward now to lock in up to $1,300
before future accounts receive up to $800
Once claimed, the reward can be used:
👥 Know someone buying or renewing soon?
🔒 They can lock in the same reward too.
• anytime within the next 5 years
• on the first mortgage for each property
• when you buy, refinance, or renew
Why Homeowners Work With Joel Laceda
Mortgage Agent Level 2 with BRX Mortgage Inc.
Mortgage strategy informed by global interest rate expertise, access to 59+ lenders,
and a rewards program designed to help reduce housing costs.
✔ Licensed Mortgage Agent serving Ontario homeowners
✔ Access to 59+ lenders including banks, credit unions, and alternative lenders
✔ Mortgage strategy planning for purchases, renewals, refinances, and reverse mortgages
✔ Former Head of Trading specializing in global interest rates and strategy
✔ Mortgage rewards program designed to help reduce housing costs over time
Mortgage Strategy Case Examples From Ontario Homeowners
Real examples of how mortgage strategy and financial planning can reduce long-term housing costs.
Results vary depending on mortgage size, lender terms, strategy, and individual circumstances.
$119,958
Projected Interest Savings
J & J — Toronto
“We wanted to pay off our mortgage faster and save on interest.”
• Mortgage payoff in 6 years 10 months instead of 30 years
• $1,275 closing costs covered
• Optimized cash flow using Manulife ONE
$19,000
Saved With a Residential Mortgage
S & J — Ontario
“Joel helped us qualify for a residential mortgage instead of a commercial one.”
• Lowered rate by 0.1% using $892 from commission
• $485 appraisal covered
0.4% Lower Rate
Avoided Higher Refinance Rates
E & E — Etobicoke
“We consolidated $33k of debt without losing our lower mortgage rate."
• Added $200k HELOC
• Lowered rate 0.05% using $707 from commission
• $858 closing costs covered
• Maintained access to lower insured mortgage rates at future renewals
How the Right Mortgage Strategy Can Reduce Housing Costs
See how planning your mortgage early can reduce housing costs over time.
The Mortgage Savings System
Strategy → Mortgage → Rewards → Lifetime Savings
Planning your mortgage early can help reduce housing costs over time.
🎥 How the Mortgage Savings System Works
(12-second explanation)
⭐ Many clients recover $1,300 – $5,000 over time when friends they refer complete their mortgages.
Step 1
Build a Smarter
Mortgage Strategy
Mortgage strategy informed by interest rates, market conditions and long-term financial planning.
Step 2
Structure the Right
Mortgage
Compare options from 59+ lenders including banks, credit unions, and alternative lenders.
Step 3
Start With a
Closing Cost Reward
Eligible clients receive up to $1,300. towards closing costs.
Step 4
Earn Rewards
Over Time
Share the program with friends and earn reward points that help reduce future housing costs.
Rewards Can Help Offset Costs Like
• closing costs
• mortgage rate buydowns
• land transfer tax
• mortgage insurance (CMHC)
• mortgage penalties
See how reward points can be used →
Rewards are funded from the lender commission when a mortgage closes.
Example Reward Potential
Typical reward when friends you share the program with complete their mortgage.
250–600 points per completed mortgage
💡 100 points ≈ $100 value
Examples below show approximate reward ranges.
⭐ Many clients reach their first $1,000 in rewards with just a few shares.
Reward ranges vary depending on mortgage size and lender compensation.
Share with 3 Friends
(Most commond)
Friends receive
up to $1,300 each
toward closing costs
You earn about
$700-$1,800
in reward points
Share with 10 Friends
(Well-connected)
Friends receive
up to $1,300 each
toward closing costs
You earn about
$2,000-$6,000
in reward points
Share with 1 Friend
(Easy start)
Friend receives
up to $1,300
toward closing costs
You earn about
$200-$600
in reward points
✓ Takes less than 30 seconds
✓ No obligation
Who do you know buying, renewing, or refinancing a mortgage in the next 5 years?
They could lock in up to $1,300 toward closing costs today.
🔒 Claim your reward now before future accounts receive up to $800.
Financial Market Expertise Behind the Strategy
Mortgage strategy is influenced by interest rates, global markets, and long-term financial planning.
Before becoming a mortgage agent, Joel Laceda was Head of Trading specializing in global interest rates and strategy and helped launch a global macro hedge fund from the ground up.
This experience helps inform the mortgage strategies used to help clients reduce housing costs over time.
Most Residential Mortgages Have No Direct Broker Fee
Mortgage brokers are typically paid by the lender when the mortgage closes, so most residential mortgages do not involve a direct fee paid by the client.
Part of that commission can be shared with clients through closing cost rewards and referral points.
Plan Your Mortgage Strategy
Buying, renewing, or refinancing?
Plan early. Structure the right mortgage. Reduce housing costs over time.
Transparency & Licensing
Mortgagepaysyou.com is a website operated by Joel Laceda, Mortgage Agent Level 2, with BRX Mortgage Inc. (FSRA #13463).
✔ Licensed mortgage agent serving Ontario homeowners
✔ Access to 59+ lenders, including banks, credit unions, and alternative lenders
✔ Mortgage strategy planning for purchases, renewals, refinances, and reverse mortgages
✔ Mortgagepaysyou.com is a client education website and not a lender