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Licensed Mortgage Agent Level 2 | Serving Ontario Homeowners
Lock In Up to $1300
Toward Closing Costs
Compare options from 59+ lenders with a personalized mortgage strategy
backed by global interest rate expertise.
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
(25-second video)
How the $1,300 Closing Cost Reward Works
Often covers most legal fees.
Lock in up to $1,300 before it drops to $800.
Use anytime within the next 5 years on your next mortgage.
Takes less than 30 seconds. No obligation.
👥 Know someone buying or renewing?
They can lock in the same reward too.
Why Homeowners Work With Joel Laceda
Mortgage Agent Level 2 with BRX Mortgage Inc.
Mortgage strategy backed 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 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, including their initial closing cost reward.
Step 1
Build a Smarter Mortgage Strategy
Strategy built on interest rate expertise, market conditions, and long-term financial planning.
Step 2
Structure the Right Mortgage
Select from 59+ lenders including to structure the mortgage that fits your strategy.
Step 3
Lock in Your Closing Cost Reward
Lock in up to $1,300 toward closing costs.
Step 4
Earn Rewards Over Time
Earn reward points when friends you share the program with complete their mortgages.
Where Your Rewards Can Be Used
Rewards can help offset costs like:
• Closing costs
• Mortgage rate buydowns
• Land transfer tax
• Mortgage insurance
• Mortgage penalties
🔗 See how rewards work →
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
What this could look like:
⭐ 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 1 Friend
(Easy start)
Friend receives
up to $1,300
toward closing costs
You earn about
$200-$600
in reward points
Share with 3 Friends
(Most commont)
Friends receive
up to $1,300
toward closing costs
You earn about
$600-$1,800
in reward points
Share with 10 Friends
(Well-connected)
Friends receive
up to $1,300
toward closing costs
You earn about
$2,000-$6,000
in reward points
• Takes less than 30 seconds
• No obligation
👥 Know someone buying, renewing, or refinancing?
They could lock in up to $1,300 toward their closing costs —
before it drops to $800.
🔗 Share this with them:
OR
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 backs the 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 don’t require a direct fee from you.
A portion of that commission can be shared back with you—through closing cost rewards and referral points.
Plan Your Mortgage Strategy
Buying, renewing, or refinancing a mortgage?
Plan early. Structure the right mortgage.
Reduce housing costs over time.
No obligation. Takes less than 30 seconds.
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 and rewards website and does not provide direct lending services.