No obligation. Takes less than 30 seconds

👉 Lock it in now and decide later

🎥 How the $1,300 Closing Cost Reward Works

(25-second video)

How the Closing Cost Reward Works

✔ Lock in up to $1,300 toward your closing costs

✔ Often covers most legal fees

✔ No cost — nothing added to your mortgage

✔ Use it anytime within the next 5 years

✔ Lock it in before it’s reduced for new accounts

Want to see exactly how the reward works?

See full details →

Why Homeowners Work With Joel Laceda

Former Hedge Fund Head of Trading — Now Applied to Your Mortgage Strategy

Licensed Mortgage Agent Level 2 with BRX Mortgage Inc. | Serving Ontario Homeowners

Built from experience managing interest rate risk at a global macro hedge fund.

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.

What Makes This Different

• Access to 59+ lenders — structured around your situation

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

• A long-term mortgage strategy — not a one-time transaction

• Ongoing monitoring — not just advice at closing

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.

Start With Immediate Value

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

🔗 Why Work With Joel →

👉 Some clients choose to go further and earn additional rewards over time.

Step 1

Build a Smarter Mortgage Strategy

Plan based on your long-term financial goals — not just today’s rate.

Step 2

Structure the Right Mortgage

Compare options from 59+ lenders to find the right fit for your strategy.

Step 3

Lock in Your Closing Cost Reward

Secure up to $1,300 toward your closing costs — available up to 5 years, when you need it.

Step 4

Reduce Costs Over Time

Adjust your mortgage strategy as rates and your situation change.

How the Right Mortgage Strategy Can Reduce Housing Costs

Planning your mortgage early can help reduce housing costs over time.

How the Mortgage Rewards System Works

Reduce your mortgage costs — starting with up to $1,300 toward closing costs

👉 Lock it in, share it, earn rewards — and use them when you need them

The Rewards System in 4 Simple Steps

A simple system designed to help you reduce your mortgage costs over time.

🔒 1. Lock In Your Reward

Lock in up to $1,300 toward your closing costs —
you can use it anytime within the next 5 years — even if you’re not planning a mortgage today

👉 You can simply lock in your $1,300 now — no need to refer anyone

👥 2. Tell Friends

If someone you know is buying, renewing, or refinancing,
they can lock in up to $1,300 toward their closing costs too

👉 Most people share this with 1–3 friends who are planning a mortgage

💰 3. Earn Rewards

When someone you refer completes a mortgage,
you earn rewards you can use toward your mortgage costs

🧭 4. Choose How to Use Your Rewards

Use them toward your mortgage, build toward reducing major costs, or access a portion early

👉 You decide how to use your rewards as they build

Real Mortgage Strategy Examples

Examples of how a structured mortgage approach can reduce long-term housing costs.

$119,958

Projected Interest Savings

Toronto

• Accelerated payoff to 6 years 10 months (vs. 30 years)

• Secured maximum HELOC at peak income

• Positioned for advanced strategies like debt swap and cash damming

$19,000

Interest Cost Saved Over 3 Years

Ontario

• Structured as residential instead of commercial

• Navigated 40+ lender policies

• Lowered rate + covered appraisal

Accessed Equity

Without Losing Low Rate

Etobicoke

• Consolidated $33k without triggering refinance

• Preserved access to lower insurable rates

• Added $200k HELOC for flexibility

🔗 See full case studies →

Results vary depending on mortgage size, lender terms, strategy, and individual circumstances.

👥 Know someone buying, renewing, or refinancing?

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

If you know someone planning a mortgage soon, this is worth sending to them — they can lock it in now and use it later.

🔗 Share this with them:

[ Copy Link ] [ WhatsApp ] [ Email ]

Takes 5 seconds to send — and could save someone money upfront.

Financial Market Expertise Behind the Strategy

Former Head of Trading specializing in global interest rates at a global macro hedge fund.

Now applied to strategically reduce mortgage costs and optimize long-term savings.

No Cost to You — How This Works

In most cases, the lender pays me directly — so there’s no cost to you for the service.

The up to $1,300 closing cost reward comes from that lender commission.
It does not increase your rate or add to your future mortgage costs.

There’s nothing to pay upfront — and nothing added later.

Lock In Up to $1,300 Toward Your Closing Costs

Buying, renewing, or refinancing?

🔒 Lock it in now — before the reward is reduced for new accounts.

Use it when you need it, anytime within the next 5 years.

No obligation. Takes less than 30 seconds.

👉 Lock it in now and decide later.

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.