💙 Mortgage Appreciation Program
Helping You Reduce the Cost of Homeownership
Throughout Your Mortgage Journey
The Mortgage Appreciation Program provides ongoing opportunities to help reduce your eligible mortgage-related closing costs over time.
Whether you're planning your next mortgage or thinking years ahead, you can begin today and continue benefiting throughout your mortgage journey.
🧮 Estimate Your Closing Cost Savings
Curious how much you could save?
Estimate your available Closing Cost Reward, Closing Cost Credits, and Recovery Rewards based on your situation.
🧮 Estimate Your Closing Cost Savings
Curious how much you could save?
Estimate your available Closing Cost Reward, Closing Cost Credits, and Recovery Rewards based on your situation.
🧮 Estimate Your Closing Cost Savings
Curious how much you could save?
Estimate your available Closing Cost Reward, Closing Cost Credits, and Recovery Rewards based on your situation.
🧮 Estimate Your Closing Cost Savings
Curious how much you could save?
Estimate your available Closing Cost Reward, Closing Cost Credits, and Recovery Rewards based on your situation.
📲 Know Someone Planning a Mortgage?
If this calculator could help you, it could probably help someone you know too.
Whether they're planning to buy a home, renew, refinance, or access equity, they can reserve their own $1,300 Closing Cost Reward and estimate their potential savings in just a few minutes.
Share the $1,300 Closing Cost Reward
Give someone you care about the opportunity to reserve their own reward today.
🗺️ How the Mortgage Appreciation Program Works
Today
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🎁 Lock In Your Closing Cost Reward
Reserve up to $1,300 toward eligible mortgage-related closing costs.
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📲 Share With Friends & Family
Help your friends and family lock in their own $1,300 Closing Cost Reward before their next eligible mortgage.
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💳 Before Your Next Mortgage
Each eligible mortgage completed by someone you introduced may earn $200 Closing Cost Credits—
not just the first one.
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🏡 Complete Your Mortgage
Use your available Closing Cost Reward and Closing Cost Credits toward eligible mortgage-related closing costs.
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🔄 Recover Your Mortgage Costs
During your current mortgage term, each eligible mortgage completed by someone you introduced may earn up to $500 Recovery Rewards to help recover the costs of your own mortgage.
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💳 Future Mortgages
After your Recovery Target has been reached—or your current mortgage term ends—every future eligible mortgage from someone you've introduced may earn $200 Closing Cost Credits toward your future eligible mortgage-related closing costs.
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❤️ Repeat Throughout Your Mortgage Journey
As the people you've introduced continue completing eligible mortgages, the Mortgage Appreciation Program continues recognizing every eligible mortgage—not just the first one.
🎁 Start Before Your Next Mortgage
Lock In Your $1,300 Closing Cost Reward
Planning to buy, renew, refinance, or access equity in the future?
Lock in up to $1,300 toward eligible mortgage-related closing costs
and use it anytime within the next 5 years.
💡 For many clients, that's enough to cover most legal fees at closing.
Current program available until August 31, 2026.
Beginning September 1, 2026, the maximum reward will become up to $1,000, with eligibility reduced to up to 3 years.
Lock it in today. Reserve it for later.
Use it when you're ready.
No obligation • Takes about 30 seconds.
🤝 Your Realtor May Help You Save Even More
✅ $200 Additional Closing Cost Reward
Every participating Realtor shares an additional $200 Closing Cost Reward with every eligible client they refer.
⭐ Up to an Additional $300
Some participating Realtors choose to provide up to an additional $300 toward their clients' Closing Cost Reward, bringing the total Realtor contribution to up to $500.
💡 Your available Closing Cost Reward may be $200 to $500 higher when combined with your own reserved reward, depending on your participating Realtor's contribution.
If you're unsure whether your Realtor participates, simply ask them.
🔄 Recover More Of Your Mortgage Costs
Whether you're buying a home, renewing, refinancing, or obtaining a reverse mortgage, mortgage-related costs can add up.
These mortgage-related costs may include:
• Legal fees and disbursements
• Land transfer tax
• Lender fees
• Mortgage insurance taxes
• Appraisal costs
• Other eligible mortgage-related expenses
Up To $500 Recovery Rewards
To help you recover your mortgage costs sooner, we've more than doubled the reward—from $200 Closing Cost Credits to up to $500 Recovery Rewards.
🎯Each eligible mortgage completed by someone you introduced may earn up to $500 Recovery Rewards until you reach your Recovery Target or your current mortgage term ends, whichever comes first.
Once your Recovery Target is reached—or your current mortgage term ends—the program returns to $200 Closing Cost Credits for future eligible mortgages.
💡 Recover more of your mortgage costs—sooner.
💳 Your Rewards Continue
Once your Recovery Target is reached—or your current mortgage term ends—Recovery Rewards return to $200 Closing Cost Credits.
$200 Closing Cost Credits
Each eligible mortgage completed by someone you introduced may earn $200 Closing Cost Credits.
These credits accumulate toward your future eligible mortgage-related closing costs, helping reduce the cost of your next eligible mortgage.
❤️ Appreciation That Continues
The Mortgage Appreciation Program is designed to help reduce the cost of homeownership—not just once, but throughout your mortgage journey.
When someone you care about saves on their mortgage, everyone benefits. They reduce their closing costs, and the Mortgage Appreciation Program continues recognizing the trust you've placed in us.
💙 Helping people save more—and helping them share those savings with the people they care about—is what the Mortgage Appreciation Program is all about.
📲 Know Someone Planning a Mortgage?
Help your friends and family reserve their own Closing Cost Reward before their next eligible mortgage.
If they're planning to buy a home, renew, refinance, or access equity, sharing only takes a few seconds—and could help them reduce the cost of their future mortgage.
Share the $1,300 Closing Cost Reward
Give someone you care about the opportunity to reserve their own reward today.
Joel Laceda Mortgage Agent Level 2
BRX Mortgage Inc. FSRA #13463