The issue is that either the renter or the owner must in some way pay insurance and property taxes if they want a "permanent roof" with utilities like electricity, gas and water. Because of this, many people-at least in California, where I currently reside-are living in tents. No taxes, rent, mortgages, or insurance. The number of people who tell me they live in their car that I meet amazes me. Its crazy out here!

@martingiavarini

11 ай бұрын

It’s getting wild by the day. The prices of homes are quite ridiculous and Mortgage prices has been skyrocketing on a roll(currently over 7%). Sometimes i wonder if to just invest my spare cash into the stock market and wait for a housing crash or just go ahead to buy a home anyways.

@hermanramos7092

11 ай бұрын

I get such worries too. I'm 50 and retiring early. Already worried of the future and where its headed, especially in terms of financies and how to get by. I'm also considering making my first investment in the stock market, but how can I do so given that the market has been in a mess for the majority of the year?

@bob.weaver72

11 ай бұрын

Personally, I can connect to that. When I began working with "Catherine Morrison Evans," a fiduciary financial counsellor, my advantages were certain. In these circumstances, I would always advise getting professional help so they can steer you through choppy markets and just give you indicators and strategies for knowing when to enter and exit the market.

@martingiavarini

11 ай бұрын

@@bob.weaver72 Just research the name. You’d find necessary details to work with a correspondence to set up an appointment..

Thank you so much Shilpa and Amit for all the information and being truthful and honest. The main reason I subscribed to your channel is how well you explain everything and are very down to earth. I like how well you have adjusted here and made Canada your home.

@chitchatwithshilpa

3 жыл бұрын

Thanks a ton

Your channel name should be "Curly tales with Shilpa"... It very much suits to your appearance also... Wishes from India to both of u

@chitchatwithshilpa

3 жыл бұрын

I was thinking the same today...:):)

@JagdeepSingh-le9on

3 жыл бұрын

@@chitchatwithshilpa plz tell me warehouse job is hood in cananda and monthly sallary

@AmanGaur-fe1gh

3 жыл бұрын

@@chitchatwithshilpa curly tales already channel hai uski tarah mat rkhna reach down hoti hai agr kisi ke naam jasia rkhte hai

Thank you for such a informative video. Keep up the good work!

Very informative. I learnt so many new things from you Amit.

Very informative video with detailed steps laid out for the community at large

Ammit is straight forward person and Shipa is unique

u r giving your best in your videos keep it up Shilpa😊😊😊😊great to see you together

Worth subscribing, Smart questions 👌

I liked, Your all video are informative nd superb way to presant👌🏼 Keep it up 👍

I like your video when Amit is in video he always give right information

Great job guys !! Keep Going like This....Video is going to be very Helpful for New Immigrants.

Informative video as always🙂

It's really impressive, u people are putting lot of efforts for extra work.. inspirational 👍

@chitchatwithshilpa

3 жыл бұрын

Many many thanks

Ur channel is informative. It's value added videos no one gets disappointed

@chitchatwithshilpa

3 жыл бұрын

Hey Thanks 😊

Mam ur video is just awsm u teach everything point to point ND clear cut..😍😍

@chitchatwithshilpa

3 жыл бұрын

Thank u Jalpa..🙏

Really informative video👍. Congratulations on reaching 5k subscribers milestone 🙂

@chitchatwithshilpa

3 жыл бұрын

Thank you so much..

Excellent career oriented guidelines for beginners

Thank you for the information 😇❤️

I have 8 months saved up for bills and an emergency fund set aside for repairs. I did just buy a house and was able to get it for 8%. It was on the higher end of my budget but I have a few extra hundred to put away each month for repairs. The home is turnkey but I know expenses will come down the road which I'll be prepared for. Hypothetically speaking, given the worst case scenario and layoffs start happening; can my emergency fund be in good use to invest and linked to our mortgage to increase interest overtime? rather than defaulting on mortgage Is that a feasible way to pivot?

@johndeanconway7931

4 ай бұрын

Nice, It appears margaret is well established in the financial field. Would her advisory give access to more interest to offset my mortgage overtime?

@mondimlotshwa3958

4 ай бұрын

that's the only way to become debt free. I've already paid off two previous mortgages. Now I'm working on my third and I cannot wait since it has to happen before retirement in four years

Well, your content is mostly very informative and precise, one of the better channels for people coming to Canada Lots of best wishes from Lahore

@chitchatwithshilpa

3 жыл бұрын

Appreciate that

Thanks for this information...

Informative 👍🏻

V important point to be noted Thx for bringing it up!

@chitchatwithshilpa

3 жыл бұрын

🙏🙏

Aap explain bahut achche se karte ho 👍

Excellent knowledge transfer👍

Really appreciate the way chit chat shilpa and amitji explain the content 💃💃canadian job market is excellent no other qualification required for selected profession.like the one discussed in the vlog💃💃

When 2 genius sit together 😍😘 Lots of love from Baku

@chitchatwithshilpa

3 жыл бұрын

😀😀🙏🙏

An insightful video I would say...

Great job, Amit, for being transparent with potential hires. One imp thing i.would like to add is that the success of a Mortgage Specislist depends on tjeir ability to build their book of business. Given the difficult market with recessionary trend, it is not afvisable that they opt for this career as it can be financially challenging as one gets paid only after a mortgage is dispensed. Real estate sales being diwn, it has a negative impact on mortgage growth. Part time option seems feasible

Hi mam, Can food industry jobs in quality control sector available in Canada considering present day market.

Very good going .... keep up Amit-Shilpa :) !!

@chitchatwithshilpa

3 жыл бұрын

Thank you so much...

Really insightful, Great info Shilpa, what’s the course name?

Nice and informative video keep it up

I love your videos ...full informative ..

@chitchatwithshilpa

3 жыл бұрын

Glad you like them!

Please answer. Thanks for answering most of our questions related to this particular carrier, But I have 2 another questions please answer 1. Do i have to be a citizen, PR, or work permit holder to find the brokerage after passing the exam or to get the license? 2. Once i start working with a brokerage, after how much time will i be able to get my license?

Well done.. 👌

Good informative speech indeed

hi shilpa, can you please confirm whether person needs to be PR Holder?

Thank you very helpful video good information

@chitchatwithshilpa

3 жыл бұрын

Glad it was helpful!

Hello Shilpa and Amit, I watch your videos, they are really very informative and you guys explain them very clearly. Amit is very calm and soft spoken. I live in Calgary, can you you suggest any college here.

Your carrier series is so informative and helpful. Its just going good. I am from India and want to move to Canada in 2023-24. I am an Electrical Engineer with mid level experience. What are the challenges I have to face to restart my carrier as an Electrical Engineer in Canada? What are the scope & the which province is best suitable for migration for a Electrical background......It will be very helpful if you make a video on this regulatory profession too....

Happy birthday to Amit. Please do make more vlogs of winners and homesense .

Thanks for information

Good job shilpa 🙏🏼

Thanks for making in Hindi. Appreciate you g

Very informative video good job. Please make video also on Accounts and cashier field like this video and let us know the scope of this industry in Canada.

Great Video You are excellent People Thanks

@chitchatwithshilpa

3 жыл бұрын

So nice of you

Can we be both realtor and mortgage agent at the same time? Thanks

Mam nursing student real estate agent krr skhte hai part time tkk and monthly sallary and bbA graduates from indian woh bhi licence lai skhte hai kyoke unne bussiness ka experience hota hai plz reply

Thanks Amit 👍

Great video

Well explained

Good Information

Hi Thank you for sharing this useful information. Quick question If you can answer Does it look like a work from home profession once you became mortgage agent ? After joining brokerage , do a person needs to go to the brokerage for every deal or they can work from home ?

@chitchatwithshilpa

2 жыл бұрын

You can definitely work from home all the time...but u need office space for your clients' meetings...some clients prefer to meet only in d ofc

Informative video ma'am

@chitchatwithshilpa

3 жыл бұрын

Thank u so much Manik..

Hi mam, can u make a video on why u choose Ontario and not BC.

Hi ma'am and sir , it's really very informative video, thank you so much, One thing pls do let me know ma'am that if someone is at student visa , Can he/she do this certification along with his degree for which he is inside canada. Thanks in advance

In BC course by UBC is 1150 CAD fee.

Loving your videos Shilpa, please can you do a video on CIP as well. Also other options if anyone is keen on career change

@chitchatwithshilpa

3 жыл бұрын

Sure. Will make videos on CIP and some other short term courses soon.

Income kitni hoti hai, commision kitna milta hai, this also should have mentioned

I guess every day 1k subscriber badh rahe hain aap ke channel ke.. congratulations for the increasing subscribers..

@chitchatwithshilpa

3 жыл бұрын

All coz of viewers' support..Thank u so much..

Ohhhh bhai just waiting for your video and I got update on screen .sooooo much coincidence

@chitchatwithshilpa

3 жыл бұрын

so good to know that somebody waits for my videos..

very educational

Resident mean student or work permit holder cannot do this??

Very nice information

You guys too good 👍

I've noticed ads... Monetization enabled !

Hi Shilpa..thanks a lot for the information. Plz do suggest other short term courses / options as well other than Real Estate agents.

@chitchatwithshilpa

3 жыл бұрын

Sure, next video on this..promise..

Can we get an update how is he doing?Is he making money doing this side hussle?

Hey, loved your video and style of expressing the real life experiences. Keep up the good work and keep educating us with the practical life. Just a quick question, Can i be a mortgage agent and an insurance agent at the same time? Can you enlighten me with that?? Thanks

@chitchatwithshilpa

2 жыл бұрын

Yes, you can be a Mortgage Agent and an Insurance Agent at the same time. While applying for your license, FSRA will ask you to declare if you have any other license too.

How much can one earn in this profile??

Hello Thanks for all information, nicely presented.. :) one query is who & how much pays to the mortgage broker ? Client or Bank ?

@chitchatwithshilpa

3 жыл бұрын

You get paid from the bank but through your brokerage after deducting their cut. The commission percentage varies between 400 per 100k to 700 per 100k, minus the brokerage share from you.

hi, can someone on a work permit also start this as a career. Or it is only for permanent residents. And also if you can explain a bit about the commission per successful mortgage and what sum does the brokerage take from that commission. Plz reply. Thanks.

@chitchatwithshilpa

3 жыл бұрын

Yes, you can also start this as your career. Commission from lenders could be anything between 0.5% to 0.8% of mortgage amount (sometimes even less) and you share it with your brokerage.

How do I enroll in the course

What is Mortgage Level 1, Level 2, broker?

Thanks for the info.. so as a beginner one should join bank or brokerage for experience. Thanks

@chitchatwithshilpa

2 жыл бұрын

Banks look for experienced candidates. So start with a brokerage to gain some experience. Then it's your choice.

@denverd513

2 жыл бұрын

@@chitchatwithshilpa Thank you for the reply. Last question so income wise we make more money with bank or brokerage?? Also can a person join bank and brokerage together or they have to choose one?

Good video

You guys r amazing..if this comment leaves u with a boost u need I got just one word. Real content is rare in canada desi vloggers u guys r the best. Giving such good info out, the time and effort I appreciate it alot. I was very interested in this topic actually as i had some similar plans and this really helped me alot. So a big thank you✌🙏😇.....plz keep sharing this kind of great content. And if you can also make a video on how to become a real estate agent would be grt too. The basics etc.....full time mommy job part time jobs that mom can do enchance their career and also some side tips and tricks or small own business

@chitchatwithshilpa

3 жыл бұрын

U actually boosted me honey....will make a video on real estate soon...keep showering ur love n support like this...

Kindly suggest some businesses too.

Is it possible that one should do the course and exam in one province (Ontario) and later get your license from other province(BC) ?

@rohanutep81

Жыл бұрын

No

Nice 🙏

Hii, i have a quastion. Can mortgage agent and realtor be a one person. Means if you have mortgage and realtor both licence, then can you be a mortgage agent and realtor of same client?

@chitchatwithshilpa

3 жыл бұрын

Hi Arpit, yes it's possible.

Is this course difficult?? Are you going to give exam online or in written form in the college??

@rohanutep81

Жыл бұрын

Not very much if you study

I have open work permit May I do this course

Love and support from Swat kpk Pakistan

Hi Shilpa Could you please mention how much I can earn , by monthly or yearly in this field

@rohanutep81

Жыл бұрын

Depends on number of deals you close

WHAT CHALLENGES DO WE FACE AS MORTGAGE AGENT? AND CAN WE CHANGE COMPANY AFTER GETTING THE LICENSE ?

What's the commission structure yeh to bataya hi nahi

Can we do this course on student permit or pgwp or after obtainin PR status

@rohanutep81

Жыл бұрын

Better to get PR first

Hii there, I want to make a career in this part. But my question is can I start on work permit or i need to be permanent resident !

@rohanutep81

Жыл бұрын

Better to be PR first

Please make video like this like other short course ND less fees

@chitchatwithshilpa

3 жыл бұрын

Thats the plan!

Do u need to be permanent resident or we can do even on work permit??

@chitchatwithshilpa

2 жыл бұрын

U can do it on work permit

Is there any link where one can find similar courses and certifications....

@chitchatwithshilpa

3 жыл бұрын

Hi Namrata, for mortgage agent, you can visit REMIC website or Humber College website. There is no such website which will have all the courses listed as different courses are provided by different institutions.

@Namrata_Arora

3 жыл бұрын

@@chitchatwithshilpa thanks for replying shilpa..

Can we do part time Mortgage agent work if we are already working as Data Analyst in IT department of a financial firm? Is it legal? Since both will be considered financial industries?

@chitchatwithshilpa

Жыл бұрын

Sure, u can work part time initially..u have to source ur clients of ur own though

Share the institute name plz

Hi quick question. Banks pays better than brokerage to mortgage agents commission wise???? I m little confused about it... please can you clarify. Thanks

@chitchatwithshilpa

3 жыл бұрын

Banks don't work with individuals until you are employed with them. With the brokerages, you share your commission but you get access to many banks and products for your clients which gives you and them a better choice.

@denverd513

3 жыл бұрын

@@chitchatwithshilpa Thank you for your reply. I understand but what if mortgage agent is working in bank like RBC, BMO, TD etc then i believe he gets paid by bank?? I only get paid by brokerage if i work for them not for bank?? So my question is related to bank do banks pay better than brokerage if i m working in bank or brokerage pays better if i m working in brokerage???

@chitchatwithshilpa

3 жыл бұрын

Yes but here as well the commission structure depends on your experience. The good part is the easy access to prospective clients as banks distribute leads with its agents.

@denverd513

3 жыл бұрын

@@chitchatwithshilpa So as a beginner is it good to start with bank or brokerage because i will be needing leads to get clients??

@rohanutep81

Жыл бұрын

@@denverd513 brokerage

Hi Shilpa I love to watch your videos, it's very detailed, can you please guide me what to do if I want to be a real estate agent

@chitchatwithshilpa

2 жыл бұрын

I already have a detailed video on this topi on my channel..I have interviewed a Real Estate Agent

are there any free, online self study courses for Mortgage Agent Level 1?

Is it a noc code 0 a b? Eligible for PR?

@rohanutep81

Жыл бұрын

Not eligible