Why Homeowners Work With Joel Laceda

Mortgage Agent Level 2 with BRX Mortgage Inc.

In many cases, the lowest rate isn’t the decision that saves you the most money — and that’s where most mortgage advice goes wrong.

Full Broker Access — No Direct Cost

• Access to 59+ lenders — banks, credit unions, monoline, and alternative lenders

• More options to structure your mortgage around your situation

• In most cases, lenders compensate me directly — so there’s no cost to you for the service

A Mortgage Strategy — Not a One-Time Transaction

Most mortgages are set once and left alone.

With this approach, your mortgage is part of an ongoing strategy.

We build a long-term plan with you — and structure your mortgage to support it from day one.

Built Around How Money Actually Works

Your mortgage is typically the lowest-cost capital you’ll ever have access to.

We structure it to take advantage of that — so you can access it when needed and avoid being house rich and cash poor.

Decisions Based on Total Cost — Not Just Rate

Your mortgage is evaluated based on:

• when the lowest rate actually saves the most over time

• when structure and flexibility reduce your total cost

• how to maintain access to capital when you need it

Ongoing Monitoring and Guidance

We continue to monitor your mortgage and the market — and let you know when it makes sense to adjust your strategy.

Why This Works

Built on experience as a Head of Trading at a global macro hedge fund specializing in interest rates.

Applied to:

• optimize timing

• reduce risk

• minimize total interest over time

Start With Immediate Value

You can lock in up to $1,300 toward your closing costs — often covering most legal fees.

For some clients, this is just the starting point — with additional rewards that can further reduce costs over time.

And When Rate Matters Most

If the lowest rate is the right move, the strategy adjusts.

In some cases, we can plan ahead to reduce your rate even further.