Mortgage Solutions for the every day Canadian mortgage consumer. Are you thinking about becoming a mortgage broker learn first hand what you should look for in a brokerage and what you need to be successful.
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STAYING ALIVE is hosted by Jon Gabrus & Adam Pally - best friends, comedians, and professional partiers - who have realized that after spending the better part of their lives treating their bodies terribly, they should probably make some changes. The guys will interview friends and experts about the things they do to stay healthy, as well as document their own journeys through real, honest, and "grossly forthcoming" conversations about health and wellness. Subscribe to SiriusXM Podcasts+ to ...
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The Show is a weekly podcast giving Canadian Home Buyers advice,information & helpful tips of what you should know about buying real estate in Canada’s hot real estate Market. #realestate #canada #mortage #ontario #cambridge
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Amortize & Immortalize (w/ Haley Sacks)
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1:00:01On this episode of Staying Alive, hosts Jon Gabrus and Adam Pally sit down with entrepreneur and finance influencer Haley Sacks (aka MrsDowJones) to talk about why investing is supposed to be boring, why making money isn’t just for other people, their mutual love of watches and gambling, and the very non-replicable loophole Haley uses to keep herse…
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Step 4: Stop Waiting—Start Your Home Search Like a Pro!
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3:17Step 4: Stop Waiting—Start Your Home Search Like a Pro! Ready to find your dream home? 🏡 Don’t just browse aimlessly—learn how to kick off your search with smart strategies that save time, money, and stress. 🚀 The perfect home is out there—let’s go get it! #HomeBuyingTips #DreamHomeSearch Ready to take the next step? Let’s get started and find the …
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On this episode of Staying Alive, hosts Jon Gabrus and Adam Pally sit down with National Institutes Of Health-funded immunologist (and fellow omakase enthusiast) Dr. Shruti Naik to talk about the glowing bacteria that made her become a scientist, the heroic mice who really give us our medications, the benefits of cruciferous vegetables, and much mo…
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MPP info for Brokers and Clients Featuring Bart Paterson
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27:51Len Lane sits down with Bart Paterson, Business Development Manager at Manulife, to explore the often-overlooked importance of life and disability insurance in the mortgage process. While many clients are familiar with default and title insurance that protect the lender and the property, Len and Bart emphasize that life and disability insurance pro…
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On this episode of Staying Alive, hosts Jon Gabrus and Adam Pally sit down at The Comedy Store with their old friend, multitasking comedian Paul Scheer, to talk about ref’ing kid’s sports, ADHD diagnoses, getting rollerblade fit, and the time Paul flooded his house. Pally also only got one hour of sleep, and Gabrus reads out their late night/early …
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The Truth About Foreclosure: Legal Insights & Financial Impact with Brandon Hans of Barr LLP
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32:05In this episode of the podcast, Len sits down with lawyer Brandon Hans to discuss the complex world of foreclosure. They break down the foreclosure process, explaining how it begins when a borrower defaults on their mortgage and the lender takes legal action to recover the debt. Key triggers for foreclosure include missed payments, failure to maint…
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Hypnosis & Weight Loss (w/ Jerry O’Connell)
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58:26On this episode of Staying Alive, hosts Jon Gabrus and Adam Pally hunker down with actor Jerry O’Connell at The Comedy Store to talk about getting fit while in the public eye, the life lessons they’ve all learned from buff men, and the lengths Jerry had to go to in order to quit smoking. Also, Pally needs help with his Sugarfish addiction, and Gabr…
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Ketamine & Coping (w/ Dr. Steven Radowitz)
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1:01:15On this episode of Staying Alive, hosts Jon Gabrus and Adam Pally sit down for a third-eye opening conversation with ketamine therapist Dr Steven Radowitz of Nushama Wellness, about the many physical and mental health benefits he has seen his work provide to his patients, what kind of music is best for the journey (not “Like A Prayer”), and what ki…
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Closing Challenges & Rising Fees with Shane Parker, KC PDS Law Real Estate
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19:39In this episode, host Len welcomes Shane Parker, partner at PDS Law—Parker Dubrule Szaskiewicz LLP—to discuss the rising land title registration fees in Alberta and the challenges facing real estate lawyers today. Shane explains how these fee increases and evolving document requirements impact homebuyers, emphasizing the importance of clear communi…
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On this episode of Staying Alive, hosts Jon Gabrus and Adam Pally sit down with their good friend, SNL superstar Ego Nwodim, to talk primarily about menus, but also being literally thirsty versus slang thirsty, pitching sketches with a dislocated shoulder, discovering that American cheese isn’t real, and how she changed her whole relationship to fi…
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On the first episode of Staying Alive, hosts Jon Gabrus and Adam Pally sit down with cardiologist and Bollywood dance instructor Dr. Amar Shere to talk through some of his “heart-healthy hacks,” the healing power of a Bhangra beat, and then go deep peeling apart the celebrity hype from the actual health benefits of Ozempic and other semaglutides. W…
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Modernizing the closing process with Reuven Gorsht of Deeded Law Services
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23:23Host Len chats with Reuven Gorsht from Deeded to discuss the challenges and innovations in the real estate closing process. Reuven shares his personal experience of a disastrous and disorganized closing that inspired his mission to modernize the closing experience for homebuyers. The conversation explores how Deeded’s virtual closing platform track…
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SmartLess Presents STAYING ALIVE with Jon Gabrus and Adam Pally!
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2:59Welcome to Staying Alive, a new comedic health and wellness podcast from Jon Gabrus and Adam Pally, two best friends and hosts of TV’s 101 Places To Party Before You Die. They love to get wild, but they’ve also hit their 40s, and they’re realizing if they don’t get some balance in their lives they won’t be around long enough to visit the other 93 p…
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Understanding Condos: An Expert Discussion with Brian Fischer of KDM Management
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36:55In this episode of the Brokers for Life Podcast, host Len Lane sits down with condo expert Brian Fischer of KDM Management to demystify the world of condominium ownership. Brian explains that condos are not just about apartments—they represent a specific ownership structure dating back to Roman times. He dives into the importance of reviewing condo…
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Cautious Optimism: Mortgage Industry Trends and Broker Strategies with Elena Robinson, VP National Sales First National
39:02
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39:02In this episode of Brokers for Life, host Len Lane sits down with Elena Robinson, VP of Residential Sales at First National, to discuss her 35-year journey in the mortgage industry. Elena shares how she witnessed First National’s incredible growth from a small startup to a powerhouse with 1,700 employees, all while maintaining a strong commitment t…
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Understanding Mortgage Switches and Transfers with Shawn Jewers
22:23
22:23
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22:23Len Lane, founder of Brokers for Life Inc., sits down with Shawn Jewers, Business Development Manager for MCAP Mortgages, to discuss the massive wave of mortgage renewals coming between 2025 and 2027. They break down the two types of mortgage transfers—standard and collateral—and why understanding the differences is crucial for brokers and homeowne…
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Step 2: Pre Approval Isn’t Optional—It’s Your Home-Buying Cheat Code!
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4:10Think preapproval is just a formality? Think again! 🤯 Discover how it makes or breaks your home-buying journey. Your dream home isn’t as far as you think—if you know this next step. 🏠 #homeselling #homeselingprocess #realestate #mortgage#realtors #propertyforsale #realestatesales #properties #luxuryrealestate #villa #propertyagent #dreamhome #homef…
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 11 Steps to Homeownership: A Step-by-Step Guide: Step 1: Making the Decision to Buy
2:55
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2:55📋 11 Steps to Homeownership: A Step-by-Step Guide 🏡 Step 1️⃣: Making the Decision to Buy 🤔💡 👋 Hi, it’s Walter Monteiro here from The Maximum Results Team! Today, we’re diving into Step 1 of your home-buying journey. 🏡 This is the start of an 11-part series where we’ll walk you through each step in the process of buying a home. Step 1 - Making the D…
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Len Lane, founder of Brokers for Life Inc., discusses the rising divorce rates in Alberta and how the CMHC Spousal Buyout Program can help individuals retain ownership of their homes post-divorce. This program allows a spouse to qualify for a mortgage independently, covering up to 95% of the property's value to settle outstanding mortgages and othe…
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Why U.S. And Canadian Mortgages Work So Differently
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3:27Why U.S. And Canadian Mortgages Work So Differently Ever wondered why U.S. home buyers can secure a 30-year fixed mortgage, while Canadians typically renew every five years? In this video, we dive into the unique structures of Canadian and American mortgage systems, focusing on interest rate risks, tax implications, and equity growth. In Canada, le…
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Reset Mortgage Explained: Temporary Payment Relief for Homeowners with Karen Monteiro
2:56
2:56
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2:56Learn how the Reset Mortgage, available through Karen Monteiro of Mortgage Alliance Greater Golden Horseshoe, can provide relief for homeowners facing temporary financial challenges. This innovative mortgage solution offers up to 65% of your home’s current value with a flexible term and no monthly payments required, giving you time to get back on y…
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Revolutionizing Banking and Mortgages: Neo Financial’s Vision with Wayne Kainu
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17:37In this episode, Len Lane, founder of Brokers for Life Inc., chats with Wayne Kainu from Neo Financial about Neo's impressive journey and innovative approach to financial services. Wayne shares his personal story, moving to Calgary in the 1990s as a speed skater, and how he eventually joined Neo Financial, founded by the creators of Skip the Dishes…
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Big News for GTA Home Buyers! Mortgage Insurance Cap Raised to $1.5 Million
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2:17Hi, it’s Walter Monteiro from The Maximum Results Team! 🚀 Starting December 15, the insured mortgage cap is increasing from $1 million to $1.5 million, allowing buyers to purchase homes up to $1.5 million with a lower down payment requirement: 5% on the first $500,000 and 10% on the remainder. 🏡✨ This is a big opportunity for buyers in high-priced …
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Beware of Rental Scams: Walter Monteiro from The Maximum Results Team shares an important warning about a recent rental scam targeting one of his listings. Scammers are falsely advertising properties for rent to steal deposits. Always verify listings with a realtor or trusted source. If you suspect a scam, report it to the Canadian Anti-Fraud Centr…
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Unlocking Alberta Real Estate: The Power of Appraisals, Market Trends, and Migration Insights with Gerhardt Klann of Northern Lights Appraisals
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41:01In this episode of Brokers for Life, host Len Lane and his guest, Gerhardt Klann, president of Northern Lights Real Estate Consulting, dive into the critical role appraisals play in real estate transactions, especially for buyers putting down over 20%. Gerhardt shares his journey from real estate investing in the late 1990s to becoming a seasoned a…
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Canada’s New Mortgage Rules Explained: $1.5M Cap & 30-Year Amortization for Homebuyers
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3:31👋 **Hello everyone!** Today, we’re diving into some significant changes to Canada’s mortgage rules that could have a major impact on homebuyers, especially in high-cost markets like 🏙️ Toronto and 🏔️ Vancouver. The federal government has announced an increase in the **CMHC-insured mortgage cap** from $1 million to **$1.5 million**, along with the e…
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Fixed vs. Variable Mortgages: How Changing Rates Have Shifted the Landscape
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3:30Fixed vs. Variable Mortgages: How Changing Rates Have Shifted the Landscape As you consider your options for financing your new or existing home, one of the key decisions you'll face is choosing between a fixed or variable mortgage rate. This decision hinges on your financial goals and your comfort with risk. A fixed-rate mortgage offers predictabi…
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Breaking Down Private Lending, Syndicated Mortgages, and MICs with Dan K. Akowuah
22:50
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22:50Host Len Lane welcomes special guest Dan Akowuah from Amansad Financial to discuss the intricacies of private lending and its role within the mortgage industry. Len and Dan break down the differences between private lending, syndicated mortgages, and mortgage investment corporations (MICs), a topic that is often misunderstood. Dan provides insight …
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What Will It Cost to Break Your Mortgage? Understand the Penalties!
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4:08Thinking about breaking your mortgage to take advantage of lower interest rates? Before you make a move, it's crucial to understand the costs involved! In this video, we'll explain the penalties you might face, including the difference between breaking your mortgage with a big bank versus a monoline lender. Learn about: - The standard penalties for…
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Unlocking The Dangers Of Unconditional Offers - What You Need To Know!
3:18
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3:18Receiving multiple offers on your property can be exciting, but it's essential to stay grounded and make informed decisions. In this video, we'll discuss the pros and cons of accepting unconditional offers and why you should always verify a buyer's financial capacity. Learn why a strong deposit is crucial and why you shouldn't automatically dismiss…
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Navigating New AML Regulations in Mortgage Brokering with Dave Teixeira
33:31
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33:31In a critical update for the mortgage industry, Dave Teixeira joins host Len Lane to clarify the recent AML regulations. Dave highlights the importance of these rules in strengthening the role of mortgage brokers in Canada’s financial system and explains the operational challenges of ongoing compliance. He illustrates how DLCG is supporting brokers…
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Changing your list price. Is it time? Struggling to sell your property? In this episode of our Real Estate Insight Series, we dive into what steps to take when your listing isn't getting the attention it deserves. If weeks have passed without a serious offer—or worse, seven days without a single showing—it's a clear sign that something needs to cha…
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Why Waiting For Lower Interest Rates Could Cost You More
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3:16Are You Waiting for Interest Rates to Drop Before Buying Your Next Home? Think Again. If you’re holding off on buying your next home because you’re waiting for interest rates to drop, it might be time to reconsider. While it’s natural to want the best deal, waiting for rates to decrease could end up costing you more than you think. Here are five re…
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Decoding Alternative and B-Lending Options with Mike Ayoub of Home Trust
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24:49In this episode, Len Lane, founder of Brokers for Life Inc., sits down with Mike Ayub from Home Trust to discuss the ins and outs of alternative lending. With over 30 years in the business, Home Trust specializes in serving clients who don’t fit traditional A-lender criteria, such as self-employed individuals and those with unique income sources. M…
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Unlocking Financial Freedom: How Reverse Mortgages Can Support Your Retirement, with Bloom Financial’s Rachel Rogerson
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26:48In this insightful episode of Real Life Mortgage Solutions, Len Lane sits down with Rachel Rogerson, Director of Business Development at Bloom, to uncover the real benefits and myths surrounding reverse mortgages. Rachel shares her expertise on how reverse mortgages can provide financial relief to Canadians aged 55 and older, tapping into home equi…
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Should You Sell or Stay? Comparing Condos vs. Reverse Mortgages for Canadians
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4:22Should You Sell or Stay? Comparing Condos vs. Reverse Mortgages for Canadians When it comes to making the most of your home’s equity, many Canadians, especially empty nesters, face an important decision: should you sell your home and downsize to an apartment or condo, or should you stay put and access your equity through a reverse mortgage? Let’s t…
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Navigating Mortgage Markets in Western Canada with Lee-Ann McEllister, Director of Sales at MCAP
28:31
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28:31Get ready for an eye-opening journey into the heart of Western Canada's mortgage landscape. Len Lane, Founder of Brokers for Life Inc., teams up with MCAP’s dynamic Director of Sales, Lee-Ann McEllister, to tackle the market’s biggest challenges—from soaring housing costs in BC to steady trends in the Prairies. Lee-Ann shares her wealth of knowledg…
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Unlock Your Homes Potential with A Payment Free Mortgage
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2:51Unlock Your Homes Potential with A Payment Free Mortgage Are you ready to access your home equity without the burden of monthly payments? Whether you’re planning for retirement, tackling unexpected expenses, or seeking extra financial freedom, a mortgage without payments could be the perfect solution. **Fulfill Lifelong Dreams** Use your home equit…
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The 5 C’s of Credit: Understanding Your Creditworthiness with Sandra Landry, Senior VP MNP Bankruptcy
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30:38In this episode of Real Life Mortgage Solutions, Len Lane, Founder of Brokers for Life, dives deep into the crucial topic of credit with Sandra Landry, Senior VP at MNP Bankruptcy. They explore the "5 C's of Credit" (Character, Capacity, Capital, Collateral, and Conditions), explaining how lenders evaluate creditworthiness and what influences your …
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7 Essential Tips For Empty Nesters before Selling Your Home
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4:117 Essential Tips For Empty Nesters before Selling Your HomeBy Walter Monteiro
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Why Real Estate Agents Ask for Your Personal Information
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3:48Why Real Estate Agents Ask for Your Personal Information Hello! I’m Walter Monteiro, and I understand you might be wondering why real estate agents are asking for personal information, like your ID or details about your financial transactions, during real estate dealings. Let’s take a moment to explain why this is necessary and how it protects ever…
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Navigating Debt and Insolvency with Sandra Landry, Senior VP MNP Bankruptcy
28:18
28:18
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28:18Facing financial hardship can feel overwhelming, but understanding your options is the first step toward relief. Len Lane speaks with Sandra Landry, Senior Vice President and Licensed Insolvency Trustee at MNP, to discuss how Canadians are dealing with increasing debt following the pandemic. Sandra explains the significant rise in bankruptcy and co…
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Understanding Mortgage Renewal: Key Tips and Myths Debunked
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2:54Understanding Mortgage Renewal: Key Tips and Myths Debunked Hello, homeowners! It’s Walter Monteiro from The Real Estate and Mortgage Show. i’m here to talk about a crucial moment in your homeownership journey, mortgage renewal. When your mortgage term comes to an end, you have the opportunity to renew your mortgage for another term with your curre…
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Join Len Lane, Founder of Brokers for Life, as he sits down with Dave Ford from Fastkey Technology to discuss a groundbreaking tool transforming background and financial screening. With increasing complexities from the CRA in document verification and the rising risks of fraud, Fastkey steps in to simplify and secure the mortgage documentation proc…
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What To Do When You Don't Get An Offer On "Offer Day"
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4:00Stuck without offers on your real estate listing? Don’t panic! In this video, I share practical strategies for handling this challenging situation, from re-evaluating your price point to considering whether selling still makes sense. Learn how to stay calm, weigh your options, and find the best path forward. Subscribe for more real estate and mortg…
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Velocity: The System of The Future with Heather Cermak VP DLCG
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29:02In this insightful episode, Len Lane, founder and president of Brokers for Life Inc., dives into the world of mortgage technology with Heather Cermak, Regional Vice President of Prairies at DLCG. They discuss the drastic changes in mortgage submission processes over the past 17 years, highlighting the shift from manual, paper-based systems to sophi…
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HST on Resale Homes: What Every Ontario Buyer Needs to Know
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2:48HST on Resale Homes: What Every Ontario Buyer Needs to Know Purchasing a resale home in Ontario is an exciting milestone, but it’s important to understand how taxes like the Harmonized Sales Tax, or HST, might come into play. Let’s take a closer look at how HST could affect your home purchase, particularly when it comes to the property’s prior use.…
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Understanding Mortgage Protection Plans with Kyra Wong
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27:29In this informative episode, Len Lane, founder and president of Brokers for Life Inc., sits down with Kyra Wong, Senior Vice President of Insurance Products for DLCG, to discuss the importance of Mortgage Protection Plans (MPP). They highlight the significant differences between MPP and bank insurance, emphasizing the portability and comprehensive …
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Why you should choose a mortgage broker over a bank even if your bank matches their rate.
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5:01Why you should choose a mortgage broker over a bank even if your bank matches their rate Discover why choosing a mortgage broker over your bank can be the smarter move, even when rates match. Learn about trust, transparency, and the benefits of supporting local businesses. Plus, find out how you could win exciting prizes with Mortgage Alliance. Don…
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