Top 10. What You Need To Know About Becoming A Mortgage Agent. REMIC Real Estate & Mortgage Institute of Canada REMIC.CA
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1 Top 10 What You Need To Know About Becoming A Mortgage Agent REMIC Real Estate & Mortgage Institute of Canada REMIC.CA
2 About the Author Joseph J. White has been involved in the mortgage industry for over 22 years. He began his career as a mortgage agent, and in the mortgage lending sector of the industry he has held positions as National Sales Manager and VP of Sales with two national mortgage lenders, and has owned a mortgage investment corporation. In the industry s mortgage brokering sector he is a licensed mortgage broker and has been a partner at a successful mortgage brokerage, principal broker at a commercial brokerage, and owner of his own boutique brokerage. As an educator, Mr. White has been educating the mortgage industry for over 13 years and is currently President of the Real Estate and Mortgage Institute of Canada Inc. (REMIC). Mr. White has written two textbooks used in the mortgage industry and by over 20 Ontario colleges, as well as several business focused e-books. He has instructed over twelve thousand students and in 2003 won the Excellence Award for teaching and leadership excellence at Seneca College. joe.white@remic.ca
3 About Us What is the Real Estate and Mortgage Institute of Canada Inc. (REMIC) Mission Statement The Real Estate and Mortgage Institute of Canada Inc. provides exceptional, ethics based training approved by FSCO to meet the educational requirements for new agent licensing as well as courses designed to enhance the careers of current mortgage brokers. Helping brokers gain more market share is our primary goal... Value Statement The Real Estate and Mortgage Institute of Canada Inc. will continue to develop and deliver inspired, innovative training built on a foundation of consumer protection and ethics designed to advance our industry and cultivate the skills of our learners. The Real Estate and Mortgage Institute of Canada (REMIC) is a member driven online community of brokers dedicated to increasing their overall performance by investing in their personal development. We offer a free, no risk membership to showcase our products, services and incredible amount of resources designed to help you achieve your goals. Find out today why our members are among the top producing Brokers in the industry by joining, risk free. Simply click on the link below and in just a few minutes you'll have access to REMIC, Canada's premiere community of Brokers About the REMIC Mortgage Agent Course The course designer, Joseph J. White, has taught thousands of students wishing to become licensed as a mortgage agent in Ontario over the past 15 years, and is the leader in both online and in class course development, having designed courses for Ontario colleges and mortgage trade associations. Quite simply, RMAC is designed for success. Our online course boasts a combination of video tutorials, online forums and quizzes designed to assist the student in understanding the material, which is key to his or her success. Based on FSCO s required learning objectives, or Mortgage Agent Qualifying Standards (MAQS), RMAC provides students all of the tools they need to complete the course online or in class; in Toronto or Mississauga. Not just a course for licensing, but a course for brokering. See what some of our students have to say about RMAC - click the testimonials button below! Testimonials
4 Contents You must pass the course for licensing Choose your brokerage Commission splits and contracts vary Become a student: learn from colleagues and take courses Treat it like it s your own business Network Get social Always do what s best for your client Know the rules; follow the rules! Make the move!
5 1 - You must pass the course for licensing It s the law. Anyone who wishes to broker mortgages in Ontario must pass the course for licensing. The REMIC Mortgage Agent Course (RMAC) is approved by the regulator, the Financial Services Commission of Ontario (FSCO). In addition, REMIC is approved by Human Resources and Skills Development (HRSDC) as an accredited educational institution. That means REMIC provides you with a T2202A so you can deduct your tuition from your taxes (your personal savings will be based on your tax bracket) With over 2,000 students per year taking REMIC s course (more than any other provider in the industry) we re confident that you ll have a great experience. 1 Top 10: What You Need To Know About Becoming A Mortgage Agent
6 2 Choose your brokerage We provide a list of 38 questions to ask a brokerage Choosing your brokerage is an important step. With over one thousand brokerages in the province there is plenty of choice. In the REMIC course we provide a list of 38 questions to ask a brokerage that are vital to helping you make the right decision. These questions range from commission splits to support, contracts and others that you might not have thought to ask, but definitely should ask! Your brokerage will be an important partner in your success, arming you with the tools that you need to be successful, but ultimately it s up to you. 2 Top 10: What You Need To Know About Becoming A Mortgage Agent
7 3 Commission splits and contracts vary Take time to read the contract before signing. You can earn a six figure income (that s over $100,000!) per year, but how you get there will vary based on what you earn for each mortgage you arrange. The standard in the industry is to pay new mortgage agents less, while experienced agents (those who can prove that they can produce results) more. This is typically because the brokerage will invest more in your training when you re new, and less when you re experienced. You ll likely have a lot to learn from your brokerage early in your career, and that knowledge may be worth a lower commission split at the beginning. Just be sure to ask what you get for that lower commission split and then go get some business! Most brokerages will require you to sign a contract, and some will have a non-compete clause. In other words, if you leave you agree not to compete with that brokerage. It s important to read the contract before signing it, and ask questions when you re unsure! 3 Top 10: What You Need To Know About Becoming A Mortgage Agent
8 4 Become a student Learn from colleagues and teachers Don t try to reinvent the wheel. That simply means that you should use what works and not try to recreate it. So, find an experienced mortgage agent who is successful and learn from her or him as much as you can. There s nothing like experience, except learning from experience! REMIC provides fantastic courses to improve your skills and knowledge, and help you generate more business. Most who fail in this industry do so because they can t generate enough business. It s extremely important to start working on this as soon as you re licensed (you can t do this before you re licensed because you need a license to talk to people about brokering their mortgage). The REMIC course is taught by industry experienced experts. This is a great place to start to learn from experience, so take advantage of your instructor s knowledge, especially in the online course! 4 Top 10: What You Need To Know About Becoming A Mortgage Agent
9 5 Treat it like it s your own business Because it IS your own business. Once you re hired by a brokerage, you will have the incredible opportunity to earn unlimited income. For those willing to work hard, and smart, the opportunities are endless. It s important that you understand that although you ll be classified as an independent contractor, in essence you own your own business! You get to decide the hours that you work, how you generate leads, and what you do with the income. When you take ownership you ll look at your role in a new light. You re the boss, and your only employee (for now). But being the boss comes with responsibilities, so be sure to think about that every time you make a decision. If you need to, take a course on running your own business. There are many courses on owning your own business and succeeding as an entrepreneur. 5 Top 10: What You Need To Know About Becoming A Mortgage Agent
10 6 Network It s time to get your name out. Everywhere. To do this quickly and inexpensively you ll need to network. As soon as you have your business cards give them out to everyone! The more people who know who you are and what you do, the more business you ll have. The more business you have, the more money you ll make! Give yourself a goal to hand out 20 or more business cards each and every week. Add to that another phenomenal business building goal: collect 20 or more business cards each and every week. By incorporating these techniques into your daily activities you ll automatically become a networking superstar. And that s exactly what you need to do to succeed! 6 Top 10: What You Need To Know About Becoming A Mortgage Agent
11 7 Get Social Use social media to connect with potential clients. Like networking, it s about ensuring that everyone you socialize with knows that you re now a mortgage agent. Use Facebook, Twitter, LinkedIn and others to promote yourself. Be sure to share information that your friends will find useful, such as differences between mortgage products, information for first time buyers, rental property owners, and so on. You ll have access to so much valuable information that you ll be able to post something new every week! Make sure your friends and family know of your new career and be there to assist when they need it. Blogging is yet another incredible way to reach out to friends and find people who may not know you, but who will be happy to learn from you. Be sure to keep your social media networking in perspective, though. Commit an hour a day to it, and stick to that limit. It s easy to lose track of time, and for you time is money! 7 Top 10: What You Need To Know About Becoming A Mortgage Agent
12 8 Always do what s best for your client Have your client s best interests in mind. In a typical transaction you have two clients; the borrower and the lender. As a licensed mortgage agent it is your role to find the right lender for your borrower. It s also your role to ensure that the borrower is right for the lender. This means knowing the needs and circumstances of your borrower, and understanding the lending guidelines of your lender. The path to a prosperous career begins with the belief that you are here to serve your clients. When you serve the best interests of your clients everyone wins; the borrower gets a product that suits their needs while the lender gets a client that meets its guidelines. Of course, you win as well. You ll have a client who will hopefully refer other clients to you. You ll gain the respect of the lender. And last but not least, you ll earn your welldeserved commission. 8 Top 10: What You Need To Know About Becoming A Mortgage Agent
13 9 Know the rules Follow the rules You must be licensed to broker mortgages in Ontario. In the REMIC course you ll learn about the rules and the legislation that you have to follow. These rules and regulations are in place to protect consumers from those who might take advantage of them. By knowing and following the rules and regulations of the mortgage brokering industry you will become a valued member of the industry and ensure that your clients are treated fairly and responsibly at all times. Your brokerage is there to help as well! Part of your brokerage s job is to ensure that you know the rules and that you have the tools to follow them, like ensuring that you have access to compliant advertising and marketing as well as the proper disclosure documents. By knowing and following the rules and regulations of the industry you ll help the mortgage brokerage industry maintain its strong dedication to serving its clients and protecting all consumers. 9 Top 10: What You Need To Know About Becoming A Mortgage Agent
14 10 Make the move Do something today that your future self will thank you for. Once you ve satisfied yourself that you re interested in mortgage brokering as a career, it s time to act. The fact is there are very few industries where you can take a course for a few hundred dollars and have the potential to earn a six figure income, but this is one of those industries. Once you ve passed the course and you re ready to begin, REMIC is here to help you with free job placement assistance. Making the decision is just the first step. Your next step is to act. If you have any questions about the industry, mortgage brokering as a career or you re ready to take the course for licensing, we re here to help. You can reach us by phone, , live chat online or simply drop by our Toronto office to have a free cup of coffee and a chat. All of us at REMIC believes that every consumer should be using a licensed mortgage agent for his or her mortgage. And we re here to help you start on your own path to becoming an important part of this important industry. 10 Top 10: What You Need To Know About Becoming A Mortgage Agent
15 The FSCO approved REMIC Mortgage Agent Course (RMAC) Click below to view upcoming dates, locations, and times. 2 Saturdays 5 Sundays Monday - Friday Online REMIC INSPIRED TRAINING DESIGNED FOR YOUR SUCCESS
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