Shows
Real Stories In Real Estate podcastIan Gibson Moving Out Of The City 044 RSIREIan Gibson Moving Out Of The City 044 RSIRE Ian Gibson has been a Durham-based real estate agent for quite a long time. His speciality is helping people consider and make a move out of big cities into more rural homes. His experience with rural properties and how they are appraised makes the transition much easier, as well as having experience with amenities in a client’s new area helps out tremendously! He has worked with Laframboise mortgage on a quite a few occasions, so he and Nicolee chat about their times working together, and how they...2025-04-2919 min
Real Stories In Real Estate podcastColin Byrne Buying Your First Home With Your Parents Help 043 RSIREColin Byrne Buying Your First Home With Your Parents Help 043 RSIRE Colin Byrne shares his experience as a first time home buyer, and all the challenges that brings. He had been a renter but desired to own his own home after a roommate was moving out, so looked at condos. As with all experiences, there were positive and negative issues and he shares them to help other first time home buyers. His income matched a condo to his liking, and he was confident on paper that he could make the payments, but asked his parents fo...2024-11-1220 min
Real Stories In Real Estate podcastGeorge Dube from BDO on Building A Real Estate Portfolio 042 RSIREGeorge Dube from BDO on Building A Real Estate Portfolio 042 RSIRE George Dube, an accountant from BDO that specializes in Real Estate, but has a deep background in tax administration, joins host Nicolee Evans to chat about the importance of how to start investing, and why an accountant in the beginning can be your best friend and helper. Are you going to buy 1 investment property, or 100? Do you need to incorporate or can you do it under your own name? Is it easier to buy an additional single family property, or a multiplex? George provides so...2024-08-1926 min
Real Stories In Real Estate podcastArlen Ekstein Discusses Private Mortgages 041 RSIREArlen Ekstein Discusses Private Mortgages 041 RSIRE Arlen Ekstein, Senior Associate at Tembo Financial, joins host Nicolee Evans to discuss mortgage funds known as private mortgages. Unlike an A lender like a bank, or a B lender like other institutions, a private mortgage is usually put together with investors pooling their funds, to lend out to purchasers. Unlike the banks, the rules and restrictions can sometimes be easier to obtain financing for a purchase. Nicolee and Arlen touch on many of the pros and cons or private lending, and how YOU can take advantage of this p...2024-06-1917 min
Lead to Close: The Mortgage Professionals PodcastHow to Succeed as a New Mortgage Broker with Denise Laframboise, Part 2We’re continuing our conversation with Denise Laframboise, the Chief Operating Officer at BRX Mortgage, in this episode. BRX is unique in many ways, including their emphasis on collaboration as well as training and supporting new brokers. So many brokers will stay at a brokerage for the long haul—even when it’s not working. While the split at brokerages like BRX may not seem competitive, the truth is that the support built in for brokers is invaluable. During this episode, Denise shares more about what makes BRX Mortgage unique and how they attract both new brokers and ind...2024-05-3126 min
Lead to Close: The Mortgage Professionals PodcastHow to Succeed as a New Mortgage Broker with Denise Laframboise, Part 1Today our guest is Denise Laframboise, the Chief Operating Officer at BRX Mortgage. BRX is a growth-focused brokerage aimed at elevating new brokers with the resources, technology, and training they need to be successful. Starting out as a broker isn’t easy. Many new brokers are lucky to land just a deal or two in their first year. But Denise explains that when you align yourself with the right brokerage designed to support your growth, you can far surpass those expectations. On this episode of Lead to Close: ● How Denise got into the business a...2024-05-2724 min
Real Stories In Real Estate podcastJason Lane Offers Buying & Selling Tips For a Smooth Closing #040 RSIREJason Lane Offers Buying & Selling Tips For a Smooth Closing #040 RSIRE Jason Lane joined Woitzik Polsinelli LLP, Lawyers and Mediators in 2018 as a summer law student. Jason obtained his Juris Doctor from The University of Western Ontario in 2019 and is now an associate in our Family and Real Estate Groups. During his time at WP, Jason has gained extensive knowledge regarding a variety of real property matters such as the purchase and sale of new homes, condominiums, re-sales, and assignments. Jason is very understanding of the fact that completing a real estat...2024-03-1521 min
Real Talk With Gary - Real Estate InvestingStrategies for Self-Employed Canadians: Making the Most of Your Mortgage w/Denise & Nicolee #247#247: Denise & Nicolee - Strategies for Self-Employed Canadians: Making the Most of Your Mortgage Denise Laframboise & Nicolee Evans are experienced mortgage agents from LaframboiseMortgage.ca, and join me in studio to talk mortgages, especially as a self employed person and why they have difficulty getting qualified; rates; why rates are not always what to focus on; starter homes; house hacking; creative financing and MUCH MORE! IIf you have questions about mortgages and qualifying, TUNE IN! Contact: http://LaframboiseMortgage.ca This episode proudly sponsored by Deep Pockets - ht...2024-02-2956 min
Real Stories In Real Estate podcast#039 RSIRE Lyndsey McNally Talks About Condo Ownership & What to Know Before Purchasing#039 RSIRE Lyndsey McNally Talks About Condo Ownership & What to Know Before Purchasing With a wealth of experience spanning back to 2002, Lyndsey McNally from Condominium Lending Group boasts an extensive background in the condominium sector, where she has dedicated her efforts to supporting the success of the communities that she works with. Lyndsey is the current President of the Toronto & Area Chapter of the Canadian Condominium Institute, volunteering her time extensively to improve the condominium industry. She also volunteers in other areas of residential housing such as municipal property standards appeals and af...2024-02-0821 min
Canadian Real Estate 101Decoding Dollars: Demystifying Canadian Financing Myths with Denise LaframboiseIn this episode we have Denise Laframboise. Denise Laframboise, an invaluable mentor to Supriya, is the COO of BRX Mortgages. Denise's expertise in financing makes her a guiding light, always ready to lend her unparalleled experience to those navigating complex financial waters. The episode promises deep insights into financing in Canada, debunking myths that often hinder small businesses.In this episode we discuss about - Denise sheds light on financing strategies and opportunities for businesses in Canada. The discussion emphasizes the value of a mortgage broker in the financing landscape. Cash flow improvement strategies...2024-01-1128 min
I Love Mortgage Brokering518: How to Find and Sell B Files - Nicolee EvansToday, we're re-joined by Nicolee Evans. Nicolee is a Mortgage Agents and Director of Operations at Laframboise Mortgage from Whitby, Ontario, who specializes in working with self-employed, BFS, clients.
Nicolee is here to discuss some of the best sources of BFS clients, scripting for talking to a 'B' client who thinks they're 'A', and scripting for clients coming up for renewal who will see a major rate increase.
Nicolee's 1st ILMB Appearance in Live 11: https://mortgagebroker.podbean.com/e/live-11-denise-nicolee/
Laframboise Mortgage Website: www.laframboisemortgage.ca
2023-10-3030 min
Angry MortgageAngry Mortgage Insider Edition Special: Denise LaframboiseSend us a textMy Special Guest is Denise Laframboise of BRX Mortgage, Denise has an amazing story of coming from a Non-Financial background to Chief Operating Officer at BRX Mortgage in just a few years, she shares how her devotion to Training and Sales Development built her career and how BRX became a perfect fit to a still higher level of success.Support the show2023-10-1251 min
Real Stories In Real Estate podcast#038 RSIRE Tahani Aburaneh Shares Her Journey Empowering Women To Grow Wealth Through Real Estate Investing#038 RSIRE Tahani Aburaneh Shares Her Journey Empowering Women To Grow Wealth Through Real Estate Investing Tahani Aburaneh is one of Canada’s top real estate investing experts, an Amazon bestselling author, wealth coach, but above all, a proud single mother of 2 grown children. She has spoken to thousands of people as a keynote speaker on stages across North America and is a featured guest on numerous podcasts, TV shows and 2 international documentaries. Most recently, Tahani founded the Females In Real Estate movement which inspires and empowers women from all walks of life to create financial fre...2023-09-2619 min
Real Stories In Real Estate podcast037 RSIRE Steven Pargetter Discusses How He Helped His Parents As Retirees Through The Stress Test#037 RSIRE Steven Pargetter Discusses How He Helped His Parents As Retirees Through The Stress Test Steven is a GTA-based realtor who has been helping clients purchase and sell real estate for over 10 years. He LOVES living in downtown Toronto. As his bio says, “I have been living in downtown Toronto with my wife and son selling real estate for a decade now. I love to help people find the perfect property for their needs and see them succeed. Although I'm in a sales position, I believe that real estate isn't about sales when it comes to...2023-08-1924 minI Love Mortgage Brokering501: Tricks to Scaling Your Mortgage Business - Denise LaframboiseToday, we're re-joined by Denise Laframboise, for part 2 of a 2 part episode.
Denise is from Whitby, Ontario, and after building a very successful mortgage business and being a very successful coach, is also now the COO of BRX Mortgage.
Denise is here to discuss why she thinks your CRM is your first employee, when you should hire, and tactics to make your business more efficient.
Denise's 1st ILMB Appearance in Episode 257: https://mortgagebroker.podbean.com/e/257-denise-laframboise/
Denise's 2nd ILMB Appearance in Live 11: https://mortgagebroker.pod...2023-08-0427 minI Love Mortgage Brokering500: Denise Laframboise as the COO of BRX MortgageToday, we're re-joined by Denise Laframboise, for part 1 of a 2 part episode, which is also our 500th!
Denise is from Whitby, Ontario, and after building a very successful mortgage business, is now the COO of BRX Mortgage.
Denise is here to discuss why she chose to join BRX, what her role is, and how she will help the company moving forward.
In today's "Ask The Expert" segment, we have Reuven Gorsht from Deeded debunking myths and legends of virtual signings.
Denise's 1st ILMB Appe...2023-07-3131 min
Real Stories In Real Estate podcast036 RSIRE Arsalan Siddiqui Shares His Experience Building A Large Addition On His Home#036 RSIRE Arsalan Siddiqui Shares His Experience Building A Large Addition On His Home Arsalan is a Toronto-based realtor who decided to move his parents in with he and his family in 2019. They first started investigating buying a larger home, but what he thought they required was $2.5 million and above. To be practical, he decided to see if he could build a 550 Sqf addition onto his existing home, but there were many hurdles to jump - first of all seeing if it was possible/permissible in his area to do this. ...2023-07-1822 min
The Mortgage Game214: The Best Resource to Up Your BFS GameIn this episode, we're joined by the Automation Queen, Denise Laframboise, and the BFS Queen, Nicolee Evans, who have developed an excellent business-for-self course to help other Brokers grow their knowledge.
Denise and Nicolee are here to discuss how they became queens in the BFS space, why every Broker should know how to do BFS/'B' files, and how they can help you level up your game with their BFS course that will be opening it's doors on July 14th.
To learn more and sign-up for the BFS course, visit: www.bf...2023-07-1344 min
Real Stories In Real Estate podcast035 RSIRE Pasqualina De Rose Shares Tips About Estate Law & Real Estate From A Lawyer’s Perspective#035 RSIRE Pasqualina De Rose Shares Tips About Estate Law & Real Estate From A Lawyer’s Perspective Lina De Rose is a Durham-based lawyer with extensive experience in both estate law and real estate law. In this episode, Denise and Lina chat about estate law and what happens with passing on without a will or with a will. How are real estate sales, purchases and transference handled without a will or proper estate planning? What is the strangest and most challenging situation Lina was involved with? Find out, and le...2023-06-2416 min
Real Stories In Real Estate podcast034 RSIRE Sai Lee Shares How He Has Made Money Flipping Properties with $0 Out Of Pocket#034 RSIRE Sai Lee Shares How He Has Made Money Flipping Properties with $0 Out Of Pocket Sai Lee is a top real estate Mentor. After many years in the corporate world as an IT consultant. Sai Lee made the stunning decision to pursue a full time career in the world of real estate investing. He learned how to build wealth without using any of his own money, and that was a game changer. Working with a mentor, he had finally learned the true ins and outs of buying real es...2023-06-0818 min
Real Stories In Real Estate podcast033 RSIRE Brady Bodley On Dealing With The Landlord Tenant Board In Ontario#033 RSIRE Brady Bodley On Dealing With The Landlord Tenant Board In Ontario Brady Bodley is a Durham-based lawyer with Thomas Efraim LLP. He has much experience with the landlord tenant board, for many reasons. He’s here with guest host Nicolee Evans to discuss many of the challenges he’s seen, how COVID made hearings more challenging, and some of the good things that the LTB does here in Ontario. Join host award winning mortgage broker Denise Laframboise each week as she brings the good, the bad and the just plain ugly i...2023-05-2718 min
Real Stories In Real Estate podcast032 RSIRE Kevin Harding Buying A Cottage For A Short Term Rental Business#032 RSIRE Kevin Harding Buying A Cottage For A Short Term Rental Business Kevin Harding is a Durham-based real estate agent, and has owned traditional rental properties that come with tenants and toilets. His wife and he were looking for something different, so decided to buy a 4 season cottage to use a few times a year, then rent out the rest of the time. While this can yield amazing financial returns, it also comes with many unique challenges, such as insurance and local regulations. What mistakes were make, what were the successes and would he do i...2023-05-0517 min
Real Stories In Real Estate podcast#031 RSIRE Denise & Gabriel Share Their Experience Building A Legal Basement Apt In Their Home#031 RSIRE Denise & Gabriel Share Their Experience Building A Legal Basement Apt In Their Home Denise and her husband Gabriel found their dream home, it was the 3rd house they would buy, but it checked all the boxes. Both had a long drive to the office, and could not get to their daycare in time, so looked for something closer. They looked at Markham and other areas, but decided on Brooklin, closer to Gabe’s work so that he could pick up the kids. They decided it would be a good idea to pu...2023-04-1114 min
Real Stories In Real Estate podcast#030 RSIRE Denise & Gabriel Share Their Experience Buying A Home Before Selling#030 RSIRE Denise & Gabriel Share Their Experience Buying A Home Before Selling Denise and her husband Gabriel found their dream home, it was the 3rd house they would buy, but it checked all the boxes. Both had a long drive to the office, and could not get to their daycare in time, so looked for something closer. They looked at Markham and other areas, but decided on Whitby, closer to Gabe’s work so that he could pick up the kids. The market was very hot at the time, and many of the h...2023-03-2716 min
Real Stories In Real Estate podcast029 RSIRE Milli Fox Shares Her Experience Getting To Her Dream Home#029 RSIRE Milli Fox Shares Her Experience Getting To Her Dream Home Milli Fox and her husband Junior decided to purchase a pre-build 3 bedroom condo, based on plans and thought it would be perfect for their life. Milli had resisted the suburban life, and envisioned a perfect life downtown. By the time the condo was ready and they were conducting their PDI, pre delivery inspection, they had a 2.5 year old and it was one week from closing. They quickly realized that with another child on the way and the need for home offices, this condo would N...2023-03-1017 min
Real Stories In Real Estate podcast028 RSIRE Nicolee Evans - Her Experience With Bridge Financing#028 RSIRE Nicolee Evans - Her Experience With Bridge Financing Nicolee and her husband were living in their first starter home, before she was a mortgage agent, and it was beginning to feel cramped. She decided they needed something bigger, but her husband wasn’t quite on board, so began a purposeful search. Her friend suggested another friend had a house for sale, although it wasn’t listed yet. It was PERFECT! The family wanted Nicolee and her family to buy it, so they had to sell, but the friend who suggested the ho...2023-02-2416 minI Love Mortgage BrokeringLive 11: Denise Laframboise & Nicolee Evans on Why Business for Self is a Great NicheToday, we're joined by Nicolee Evans, and re-joined by Denise Laframboise, for another live episode. Both from Laframboise Mortgage in Brooklin, Ontario, Denise is a Mortgage Broker and Nicolee is a Mortgage Agent and the Director of Operations.
Denise and Nicolee are here to discuss their business for self course called "BFS Boot Camp", and the challenges of the current market.
In today's "Ask The Expert" segment, we have Tom Hall from BluMortgage discussing win/loss analysis.
Denise's 1st ILMB Appearance in Episode 257: https://mortgagebroker.podbean.com/e/2...2023-02-1329 min
Real Stories In Real Estate podcast027 RSIRE Mohamed Bachani - Buying With a “B” Lender & Moving To an “A” Lender#027 RSIRE Mohamed Bachani - Buying With a “B” Lender & Moving To an “A” Lender Mohamed Bachani is a Durham Region-based accountant, founder and president of Unique Accounting Services, an Accounting and Bookkeeping firm that helps Canadian small and medium sized businesses with all their bookkeeping, taxation and accounting. He wanted to move from renting to owning, was pre-approved and had his down payment, but when he came down to purchasing, he wasn’t able to qualify for his mortgage with an “A” lender. The bank had not properly screened him, so he actually didn...2023-02-1024 min
Real Stories In Real Estate podcast#026 RSIRE Johnathan Pollock Shares The Ups & Downs Of Being A Landlord#026 RSIRE Johnathan Pollock Shares The Ups & Downs Of Being A Landlord Johnathan Pollock has been a landlord for the last 6 years, and chats with Denise about the challenges and benefits of being a landlord. While real estate is an amazing tool to grow your wealth, it is NOT a passive investment, requiring you to stay on top of your money and know what’s going on with your tenants. They renovated the property they were living in, then moved into the basement and rented out the top...2023-01-2521 min
Real Stories In Real Estate podcast#025 RSIRE Brady Bodley Shares Info On The New Anti-Flipping Tax Law#025 RSIRE Brady Bodley Shares Info On The New Anti-Flipping Tax Law Brady Bodley, lawyer with Birch Law, joins Denise in discussion of the new Federal Anti Flipping law, coming into effect in January 2023. What does the bill aim to accomplish? The Canada Revenue Agency (CRA) has already been investigating and enforcing residential real estate that was being flipped or assigned and not properly reported as business income. Essentially, house flippers have been using the Primary Residence Exemption to avoid or reduce taxes. The new tax law puts an end to using the PRE a...2022-12-2017 min
Real Stories In Real Estate podcast#024 RSIRE Farah Dhalla Shares How Staging Makes a Difference in Home Sales#024 RSIRE Farah Dhalla Shares How Staging Makes a Difference in Home Sales Have you been to an open house or a house viewing and were wowed by how neat, tidy and organized the house was? Chances are it was professionally staged. We all get busy day to day and leave our homes a bit unorganized, but that can be a deal killer when you’re trying to sell your home. Many people can’t see past the clutter, or they notice your throw pillows are a bit worn, or perhaps the entrance needs a new coat of pain...2022-12-0117 min
Real Stories In Real Estate podcast#023 RSIRE Todd Miller 2nd Time In The Rental Market#023 RSIRE Todd Miller 2nd Time In The Rental Market Purchasing investment real estate can be rewarding and challenging, and sometimes both! Sometimes you are stressed and overwhelmed and want to sell your rental properties. Todd Miller experienced this a few years ago, after purchasing an investment property that was empty when he and his wife bought it. Instead of an exhaustive search and screening process for tenants, they decided to rent it to family, as you could trust them with your precious investment. While it may seem ideal to rent to f...2022-08-1120 min
Real Stories In Real Estate podcast#022 RSIRE Julie Gill Separating and Selling A Home#022 RSIRE Julie Gill Separating and Selling A Home What happens typically when a couple separates and they have a matrimonial home? Do you sell and both move? Does one partner buy the other out? Julie Gill experienced this a few years ago, and had small children that went to local schools, so her thought originally was to buy her husband out so that the kids could stay in their local schools with their friends. This was not going to happen, and the home was too large anyway. They had a lot of difficulties...2022-07-0516 min
Real Stories In Real Estate podcast#021 RSIRE Using An Accountant To Watch Your Bottom Line#021 RSIRE Using An Accountant To Watch Your Bottom Line You want to be a real estate investor…perhaps you already own a few properties, but do you have a good handle on the finances of your investments? What can be written off? What can’t be? Can you pay your self as property manager? Is my HELOC deposit taxable? MIKE LIBBY is a Durham-based Chief Operations Offices of Your bottom Line, an accounting firm that works with many self-employed persons and investors. Whether it’s personal income or corporate entities, Mike can help you figure it all...2022-05-1327 min
Real Stories In Real Estate podcast#020 RSIRE Buying A House In Rough Shape#020 RSIRE Buying A House In Rough Shape KAELEIGH NADEAU is a Durham-based designer and renovator that found a great 2nd investment property. The house was cute, but it was currently tenanted and was dirty, which make it harder to see the potential. She did a walk through and as a designer, could see what she wanted opened up, and what was to be closed off. Were there horrors lurking behind the walls? Yep, wiring, etc. but she dealt with them, as she does most days for her clients. What did Kaeleigh...2022-04-0820 min
Real Stories In Real Estate podcast#019 RSIRE Using Equity To Buy A Rental Properties#019 RSIRE Using Equity To Buy A Rental Properties CRISTIN TEDFORD is a Durham-based realtor that decided to advantage of the equity in her family home to purchase another property, to eventually help her kids have a place to live. Was it easy, was it a hands-off investment? No, but there is no other single investment vehicle that gives you the control and flexibility that real estate offers. Did she have problems with tenants? YES! Did it last forever? No, once she got her screening process refined, it was smooth sailing. And Cristin shares...2022-03-2419 min
This Is BrokeringEp. 283 Denise Laframboise2022-03-1733 min
Real Stories In Real Estate podcast#018 RSIRE Buying A Property & Renting To Students#018 RSIRE Buying A Property & Renting To Students TANJA COUGHLAN is a homeowner that wanted to purchase a new build and either rent it out or sell it, after the 2-3 years it would take to build the subdivision. They had been thinking of purchasing another property for some time, and put a small deposit on it initially, then the balance of $20,000 and waited for it to be completed. When offering rental properties, one of the things to expect is that some tenants will not treat the property like their own, so this may lead to t...2022-03-0417 min
Real Stories In Real Estate podcast#017 RSIRE Construction Financing a Major Renovation#017 RSIRE Construction Financing a Major Renovation KIRSTEN MCGOEY is a Durham-based photographer that specializes in commercial and corporate photography. She and her husband moved from Toronto to the Durham area, and bought a very small 820 sqft bungalow. It had 2 bedrooms and kitchen/bath on the main floor, but wanted to put on some additions, and it was not suitable for her family of 5. Unlike accessing an LOC to fund this venture, they needed construction financing. They found a builder to help them with their questions, and prepare for the build. Many traditional lenders face higher...2022-02-0619 min
Real Stories In Real Estate podcast#016 RSIRE The Smith Manoeuvre#016 RSIRE The Smith Manoeuvre ROBINSON SMITH operates Smith Consulting Group Ltd, out of Sidney, B.C, on Vancouver Island. Robinson joined his father, Fraser, at Smith Consulting Group Ltd. back in early 2006 when he returned to Canada from Asia in order to be closer to family (his mother missed him…) and began to take over the family business. Robinson has since been advising hundreds of families on the implementation of The Smith Manoeuvre ™️ and there is no one better positioned to continue with the firm’s mission statement. What is “The Smith Manoevure”? In a n...2022-01-1718 min
Real Stories In Real Estate podcast#015 RSIRE Selling Your Home And Renting Instead#015 RSIRE Selling Your Home And Renting Instead Samuel Springer is a Durham Ontario-based insurance professional, that truly enjoys his work. And although he was a homeowner, BEING a homeowner doesn’t bring him joy. After a few issues and some leaks, Samuel and his wife decided to sell their condo and rent a property instead. One of the ‘pros’ is, when something goes wrong, you pick up the phone and someone else takes care of it. One of the ‘cons’ is that you just can’t do what you want with the property without perm...2021-12-3115 min
Real Stories In Real Estate podcast#014 RSIRE Owning 3 Properties At 28 Years Old#014 RSIRE Owning 3 Properties At 28 Years Old Michael Durham is a Durham Ontario-based landscaper, that truly enjoys his work. It brings job satisfaction, joy at helping customers enjoy THEIR properties even more, and a salary. While this is great, Michael always had an eye to the future, and retirement. Perhaps Michael didn’t want to depend on the Canada Pension Plan and RRSPs, so he started investing in real estate. For Michael, the key was multi family homes - where if you lose a tenant, the property is still making money. He also believes in...2021-11-1916 min
Real Stories In Real Estate podcast#013 RSIRE Buying A New Build From a Builder#013 RSIRE Buying A New Build From a Builder Tanya Sanza and her husband wanted to upsize, and spotted a new subdivision near where they lived. They were currently in a 1000 SQF home, and wanted something a little bigger. This was going to be their 2nd new build that they purchased. While some buyers of new builds are distracted by the nice finishes and sweeping staircases, Tonya has developed a refined eye as a real estate agent, and made sure practical things like where the outlets in her kitchen would be place took priority. ...2021-11-1818 min
Real Stories In Real Estate podcast#012 RSIRE Aging In Place#012 RSIRE Aging In Place Deborah Schroeder and her mom lived in 2 different cities - Deborah downtown Toronto, and her mom in Ottawa. Her mom wanted to downsize, but didn’t necessarily live alone and wasn’t sure if she wanted to see her house. Deborah loved her condo, but wasn’t sure she’d be able to keep it. They decided to move in together, but in Whitby, so that Deborah could continue to work in Toronto. They looked at a few places, and Deborah is happy they didn’t buy the first few, but they kept...2021-10-0416 min
Real Stories In Real Estate podcast#011 RSIRE Buying a Home With Unique Heating#011 RSIRE Buying a Home With Unique Heating Jackie Schagen and her husband wanted to buy a house, and were more adventurous than typical buyers. They wanted to see EVERYTHING, no matter what the issue was that other buyers pushed back on. One of the houses they saw had no ducts, and baseboard heating! Many stories have been told about the cost of baseboard heating, and with no ducts you can’t have central air. Jackie and her hubby loved the house enough to work with that, and any other renovations that needed to be done. Ja...2021-09-0316 min
Real Stories In Real Estate podcast#010 RSIRE Refinancing for Renovations or Debt Consolidation#010 RSIRE Refinancing for Renovations or Debt Consolidation Alex Wilkins and his wife decided that they equity in their home was not being put to good use. Alex had decided to set up his own business, and needed start up capital to ensure a smooth start. They were surprised how much equity was in the the home, and they had to decide how much they actually needed and whether they could use funds for other purposes. As Alex and Denise discussed during the podcast, many people refinance to pay off higher interest rate debt; start a...2021-08-2215 min
Real Stories In Real Estate podcast#009 RSIRE The Adventure Of A Major Renovation#009 RSIRE The Adventure Of A Major Renovation Cindy Sgroi and her husband bought an old home in Whitby and loved the lot, but decided to build an addition and a garage. It started as a big project and got even bigger! They went from a 1000 sq ft bungalow to a 2500 sq ft home with a 4 car garage. They love the character the ‘new’ house has, and they enjoy it more than they would have had they torn the old one down and rebuilt. Cindy is also a real estate agent in Whitby, and this...2021-07-3117 min
Real Stories In Real Estate podcast#008 Mandy Owning a Business In Your Home w/Mandy Dorego#008 RSIRE Operating A Business In Your Home Mandy Dorego left the dental hygiene world, but was training people in her own time, and decided to pursue her passion for health and wellness, while being a trainer full time. She decided to renovate her basement, add all the necessary equipment to have different workout stations. She and her husband decided early on that Mandy would not rent space, or take on a second mortgage to buy a gym, as the benefits outweighed the negatives. This also came in handy when the pandemic hit, as she could...2021-06-0714 min
Real Stories In Real Estate podcast#007 RSIRE Buying A First Home Outside The City#007 RSIRE Buying A First Home Outside The City There are so many decisions to factor in when buying a house - how much is the downpayment, is it in a good school area, restaurants, walkability, distance to work, pressure from family and friends…how does this play out in reality? Sometimes buying a house doesn’t factor in to our day to day decisions. We’re too busy planning weddings, enjoying life that when we try to think about buying a house, we discover there’s a lot to learn! Chris Lyn hadn’t even tho...2021-05-2116 min
Real Stories In Real Estate podcast#006 RSIRE Buying A House on the 2017 Housing Bubble#006 RSIRE Buying A House on the 2017 Bubble There are so many decisions to factor in when buying a house - how much is the downpayment, is it in a good school area, restaurants, walkability, distance to work, pressure from family and friends…how does this play out in reality? Sometimes we are SO eager to get a house, perhaps our first house, that these factors collide to add additional pressure for likely one of the biggest purchases in our lives, which can lead to doubt, anxiety, fear of losing out, or more. Kumssa Ha...2021-05-0616 min
Real Stories In Real Estate podcast#005 Investing In Real Estate w/Gary HibbertWhat kind of lifestyle would you choose if you could? Would you still work a 9-5? Real estate investing can give you the life of your dreams, giving you the freedom to do other things while making money passively. Gary Hibbert had consolidated his credit cards three times on his home mortgage before deciding enough was enough, while working a full time job, where someone ELSE controlled his advancement. A co-worker discouraged him from getting into real estate as, ‘you don’t want to deal with tenants’. Gary and his wife bought their first rental property and made S...2021-04-2321 min
Real Stories In Real Estate podcast#004 RSIRE Buying With A B Lender w/Dana HespMany of us want to own a home at some point, but bruised or imperfect credit can prevent us from borrowing with our preferred lender. Maybe a job loss, a repossessed vehicle, a cancelled credit card, late payments, divorce, all of these can contribute to lower credit scores. The major financial institutions are referred to as “A” lenders. What do you do if you have a down payment, want to buy a home but have imperfect credit and your bank has turned you down? “B” lenders to the rescue. Dana Hesp and her partner found themselve...2021-04-0814 minThis Is BrokeringEp. 175 Process Precision = 16 smoothly funded files per monthDenise Laframboise shares three key process changes that allowed for the smooth closing of 16 files last month while working amidst three kids stuck at home. There are some next level, revolutionary, business process changes afoot in our industry and this conversation covers a critical time management technique around the commitment package signing.2021-04-0135 min
Real Stories In Real Estate podcast#003 RSIRE Rent To Own StrategyMany of us want to own a home at some point. Some of us move out of our family homes at the first opportunity and rent our first place as soon as possible, while others stay with our families as long as we can to save up the down payment. Uchechi Ezurike-Bosse graduated from university and got a job with an above-average salary, which in her own words is rare, but also had a student loan. She wanted to buy a property but didn't have the down payment saved, but the concept of renting was like 'giving...2021-03-2416 min
Real Stories In Real Estate podcast#002 RSIRE Buying a Home With an Existing Apartment w/Natasha LaframboiseOne of the tips that first time home buyers can leverage, is either adding an income-producing apartment in the basement, or buying one with an existing apartment. If you put one in later, you control the look and feel of the apartment, as well as the tenants. If you buy one with existing tenants can be beneficial and challenging. Natasha Laframboise was prepared for this challenge when buying a home. She tells us the unique challenges in this process, and how others can be prepared for this kind of real estate transaction. Join...2021-03-1216 min
Real Stories In Real Estate podcast#001 RSIRE Buying an "As Is" Home w/Chris ChristianWhen we purchase a property in real estate, we generally know or assume there's going to be a little bit of work that is needed to be done after moving in, which means also spending a little bit of money. Maybe some painting, change out some carpeting, update some fixtures, etc. All good? Chris Christian was prepared for this kind of work when buying her dream home. Little did she know that there were all sorts of animals living in the walls, or that she'd find a bag of cocaine during renovations. Because of this...2021-03-1215 minI Love Mortgage Brokering257: How Denise Laframboise Doubled Her Business 3 Years in a RowToday we are joined by Denise Laframboise. Denise is a top broker with Element Mortgage Group and comes from a health care background. She joins us today to discuss her career journey.
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2020-05-2822 minThis Is BrokeringEp 45. Broker Panel - Marci, Denise & Jill discuss database & office spaceToday I'm speaking with 3 Agents who have diverse backgrounds and experiences in the Mortgage Industry. Click the video and meet Jill Moellering, Denise LaFramboise and Marci Deane.2020-05-251h 02