Behind the Scenes EMA Mortgage Podcast
Episode 26:  Charles Climenhage (Realtor) at EMA Mortgage Team Office in Oakville

Episode 26: Charles Climenhage (Realtor) at EMA Mortgage Team Office in Oakville

March 9, 2021

Ray welcomes Charles Climenhage, Realtor at Royal LePage.  They discussed Charles' inspiration to become a Realtor, production in 2020, Outlook for 2021, and Suggestions to Mortgage Agents looking to build partnerships with Top Performing Realtors.  

 

Raymond Daez | Mortgage Agent | EMA Mortgage Team- Expert Mortgage Agents | Mortgage Alliance - Lic# 10530 | T# 416 705 3239 | www.expertmortgageagents.ca

Episode 25: Talking Real Estate and Mortgages in 2021 with Sunny Aujla - Realtor, Century 21

Episode 25: Talking Real Estate and Mortgages in 2021 with Sunny Aujla - Realtor, Century 21

March 8, 2021

Ray talks Real Estate and Mortgages with Sunny Aujla of Century 21.  They discussed Investing in Real Estate, Why Real Estate Photos are Important, First Time Homebuyers, Leasing a Home, Why people are moving out of the GTA, Can Millennials afford their first house, Will house prices continue to rise, Conditions and Negotiations, Importance of a Real Estate Agent, and Fixed vs Variable Rate Mortgages.

 

Raymond Daez | Mortgage Agent | EMA Mortgage Team- Expert Mortgage Agents | Mortgage Alliance - Lic# 10530 | T# 416 705 3239 | www.expertmortgageagents.ca
 
Changing Lives, One Mortgage at a time!
Episode 24:  Instagram Live with Chantelle McPhee of Royal LePage

Episode 24: Instagram Live with Chantelle McPhee of Royal LePage

March 6, 2021

Chantelle and Ray went on Instagram Live to answer your Real Estate and Mortgage questions.  If you are a first time home buyer, looking for a property with a 2nd unit or a business for self individual, you will find this episode useful.

Episode 23:  Location, Location, SPACE!

Episode 23: Location, Location, SPACE!

January 25, 2021

Raymond Daez of EMA Mortgage Team - Mortgage Alliance looks at the trends in the GTA and Ontario Housing Market.  The old saying "Location, Location, Location" has been changed to "Location, Location, SPACE".  Work from home, Kids attending eLearning from Home, not having to share space via elevators, and need for a backyard space have all contributed to the need for more Space.

Episode 22:  A Look Back at 2020

Episode 22: A Look Back at 2020

January 5, 2021

A Look Back at 2020 - We started year 2020 with so much excitement. We started a mortgage team, EMA Mortgage Team - Mortgage Alliance. By Mid March we were in a lock down due to Covid 19. Households face health and financial concerns because of the pandemic. Our homes became the place where you keep yourself safe and others safe from you. We use our homes to Social Distance, Learn and Work from home, and Staycation. Home Ownership Goals today is still very strong. Home Ownership gives you the Economic Benefits, Safe Environment to social distance, peace of mind and Pride of Ownership.

 

Raymond Daez | Mortgage Agent | EMA Mortgage Team- Expert Mortgage Agents | Mortgage Alliance - Lic# 10530 | T# 416 705 3239 | www.expertmortgageagents.ca
 
Changing Lives, One Mortgage at a time!
Episode 21:  Toronto’s Vacant Home Tax

Episode 21: Toronto’s Vacant Home Tax

December 21, 2020

Toronto's Vacant Home Tax
The City of Toronto will be implementing a Vacant Home Tax. It will be at 1% Vacant Tax Rate of the Property's Taxable Assessed Value. It will likely start in 2022. The goal is to force unoccupied homes to be rented or sold. Let's look at Vancouver's Vacant Tax Rate on what might our Vacant Home Tax may look like.

Episode 20: Bank of Canada left overnight lending rate unchanged. First Time Homebuyer Incentive Changes

Episode 20: Bank of Canada left overnight lending rate unchanged. First Time Homebuyer Incentive Changes

December 10, 2020

Raymond, Mortgage Agent at EMA Mortgage Team-Mortgage Alliance, talks about the most recent Bank of Canada rate announcement.  There are changes proposed for the current First Time Homebuyer Incentive program.  This incentive is a Shared Equity program.  The Changes relates to the maximum household income allowed to qualify for the program and also the increase to the multiplier for the maximum mortgage amount a first time homebuyer can qualify.  (1) Change in Income $120k/yr to max $150k/yr (2) Change in Max Mortgage, multiplier from 4X your household income to 4.5X your household income.  This combination will definitely help in the higher home price areas such as the Greater Toronto Area: Oakville, Mississauga, Milton, Brampton, Toronto, Ancaster, Burlington, Georgetown, etc.

Episode 19:  HSBC at 0.99% Mortgage Rate. Affordability has Improved due to low Rates

Episode 19: HSBC at 0.99% Mortgage Rate. Affordability has Improved due to low Rates

December 9, 2020

Raymond Daez, Mortgage Agent with EMA Mortgage Team - Mortgage Alliance, discusses the new 0.99% Mortgage Rate offering by HSBC.  It is a Variable Rate Mortgage offering for High Ratio deals only.  Affordability of homeownership has improved due to low mortgage rates, but it does not mean that you can borrow more.

Episode 18:  Rush closings before Dec 15th
Episode 17:  Security vs Opportunity… Be your own boss!
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