Mortgage Strategy Backed by Global Interest Rate Expertise
Mortgage Optimization Plan
Lower your rate or reduce your closing costs
👉 They get up to $1,300 — you earn $200–$800 per referral
Share → Earn → Grow → Optimize
WHY THIS EXISTS
To reduce your costs on your next mortgage with us
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 they complete 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 — GROW 📈
• Your rewards grow over time
• As you help more people, they grow
👉 Some clients build $2,000–$5,000+ in rewards over time
STEP 4 — OPTIMIZE 🧠
Choose how to use your rewards
• Reduce your closing costs
• Lower your rate
EXAMPLE — TWO WAYS TO USE YOUR REWARDS
🏡 Your Mortgage
$500,000 • 5.00% • 5-year fixed • 25-year amortization
🧾 Closing costs:
Total: $2,800 (Appraisal • Legal • Disbursements)
👥 Example
3 referrals
• Each completes a mortgage (~$500 per referral)
👉 $1,500 total rewards
You also locked in your closing cost reward → Up to $1,300
🧠 Total Available
👉 $2,800 total rewards
Option 1 — Reduce your closing costs 🧾
$2,800 applied toward your costs
👉 $0 out-of-pocket for closing costs
Option 2 — Lower your rate 📉
About $2,800 reduces your rate by 0.15%
👉 New rate: 5.00% → 4.85%
Lock In Your $1,300 Closing Cost Reward
Lock it in now — decide later
No obligation. Takes less than 30 seconds
Joel Laceda Mortgage Agent Level 2
BRX Mortgage Inc. FSRA #13463