Our home buying experience and WHY I became a Mortgage Agent? 🤔

Let's talk about 3 main reasons why I became a mortgage agent / broker.
00:00 Intro / why is realestate so important
01:55 Our confused home buying experience
06:00 Jab we met our mortgage agent
06:49 THREE reasons why mortgage agent is a legit career
10:43 Learning as a mortgage agent
11:30 Founders' Club
Book a call with me: www.growwithnav.com/book-a-call
Disclaimer: These videos are our personal views and opinion, they should NOT be considered as legal advice. We are not affiliated with any government organization or division. We assume no liability for how the information on this channel is used or interpreted and hence take no responsibility for any decisions that is made with regards to your application based on the information shared on this channel.
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We don't like immigration agents - the ones' that aren't authorized by ICCRC and qualified to help you with your application in exchange for money - first of all, it's not legal to do that, and second of all, it's so easy that you don't really need paid help! We are a young couple who started their Canadian Immigration journey in 2018 and moved to Canada 3 days before the pandemic hit in March 2020. Over the course of our application, we have seen so many people getting screwed over by greedy / fraudulent and unauthorized immigration consultants who promise you the world in exchange for thousands of dollars and deliver a whole lot of NOTHING; to an extent that in many cases, the applications get rejected, due to their negligence.
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#realestateincanada #mortgageagent #homebuying #potatocouple #immigratetocanada #ultimateplaybook #youtube #ebook #expressentry #potatocouple #movetocanada #lifeincanada #canadavlogs #lifeincanada

[@samanchaudhary3154]

Its very encouraging to watch some one starting from scratch as new immigrants, following their dreams, have a go at entrepreneurship, leaving a salaried income, changing careers, creating multiple sources of income, sensibly investing and simultaneously willing to dole out free advice with all this fervour, energy and sincerity. Its always a pleasure watching your videos, your to-the-point content increases knowledge as well as morale of people interested in Canadian real estate. Blessing to you both. :)

[@Potatotalkies]

Thank you 😊

[@navroopsingh7087]

You guys improving day by day really enjoy your videos full with honesty and knowledge. Good use of time. Thanks for Good content.

[@mercyhalder]

Your videos are very informative. Thank you so much for taking the time out to make the videos. God bless you.

[@REVIEWSONTHERUN]

Very interesting! Thank you for sharing ✌️

[@saranjeetkaurduggal8879]

Your words are always convincing and helpful. Keep helping……

[@sunitaduggal3290]

Again very informative..Thank you very much 👍

[@kaven47]

Holy shit! This video was so very much helpful! 💯 Lots of new terms and new things to know!

[@allitm4642]

Awesome video Navjot!! Please consider videos like before. The flipping sides from one page to next is hard on eyes. Keep up the great work Navjot and Simran 👍

[@Shubham-jz7ec]

My god! These Grow with Nav sessions are amazing! You are doing a great job sir 🙏

[@karanmohindroo7773]

Great Video!

[@thecalgarians4597]

Good info Navjot

[@ankitkumar2603]

You are inspiring alot of people. Hope to meet you soon .....

[@Potatotalkies]

❤️

[@JP-fd9ym]

Hi! Thanks for sharing. Would you be able to make videos on how you find business or some steps how a new mortgage agent would be able develop career since I am also appearing for mortgage exam it’s new to me as well. It would be really helpful for those who are aspiring to be in mortgage industry. Thank you!

[@user-kd9ek6ue1r]

Completely agree Most important role of real estate deal 💯

[@vibhutipunjabi5926]

always a fan and I guess I want you to be my mentor here in Canada 🙏🏻☺️🌸

[@vancouverdiaries738]

When I am buying my house, definitely you are my mortgage broker for sure! Thankyou Sir for all the gyaan

[@ArchonEoN]

When I'll come to Canada I'll definitely contact you ❤️❤️❤️

[@vineetm7984]

Great inputs. Which brokerage are you associated with?

[@hksahota2414]

When you do a video on difference between realtor and mortgage broker, can you also consider adding mortgage loan officer in that difference please

[@ignaoriginals4554]

Morgage agent is a good career choice for him because he can also leverage his audience on youtube to get business.

[@Potatotalkies]

It’s a good choice for a lot of people who can hustle :)

[@rohanutep81]

@@Potatotalkies and yes you can be independent as compared to job

[@darkscorpio3274]

very informative as usual. thanks for all the details. being a single income family buying a detached house in gta has become a distant dream as any decent house is over million dollars and you need to have 20% down. don't think even a mortgage broker can save the day 🙂

[@the_matthewshantz]

So, the premise is wrong. Starting off with a single family detached home in the gta on a single income is not possible no. Honestly though, very very few people start that way. What happens is we slowly acquire property with the intent to create equity and then leverage that to upgrade, so that in time, we can afford the property we really want. A mortgage broker is fully capable of helping you develop the plan to make that happen and start guiding you along the way. You can't start from a position of defeat, the questions needs to be "How can I make this happen?" - I know that Nav has the answers - he has a great mentor 😉

[@ridhimamaheshwari4217]

You guys are great. do i need to have a UK transit visa beforehand to pass via London Heathrow airport ? as i am planning to fly via British Airways to Canada. Please answer.

[@vipinmanocha9685]

Since long I have been watching your vlogs ... always very informative ... however this particular mortgage episode has made me your fan .. an open elaboration of different aspects of Mortgage on social media is just too good .. will certainly contact you in coming times....vipin manocha

[@Potatotalkies]

Thank you 😊

[@japneetkaur4832]

Hi Potato Talkies .. Can you please suggest the right Mortgage Course and real estate course and some good college /university options to get a license

[@MicrosoftFabric]

In future how can I reach you incase I need a closing in 15days? Need mortgage approval and real estate lawyer

[@prateekgupta1781]

Keep sharing these informative things guys. Can you help in finding a rental unit for an year in GTA?

[@Potatotalkies]

Wish I could :/

[@prateekgupta1781]

@@Potatotalkies thank you for a quick reply. Can you suggest any realtor who can help in this?

[@Potatotalkies]

@@prateekgupta1781 check KJ Kathuria on Facebook

[@Lj22]

What was the rates in 2020 when u came to Canada ? What was the income required for 800k mortgage back in 2020-2021? Thx

[@faisalbiyawarwala7417]

Please share exactly which course and time spent behind this.. Please share also link for this course

[@SandeepKadyan]

where is the link of founders club?? or you have a site or something?

[@arunaprabha3047]

Hi guys, your videos are informative. Would you mind sharing info on how to become the mortgage agent, course etc?

[@AnuSingh-ss4cl]

UBC Sanders has the course

[@selfamit208]

hi navjot awesome work..cd u plz help me telling how did u give an effect editing @2.59 plz?...m a creator need this one man?

[@Potatotalkies]

No idea man. My editor does some amazing things I have no idea about 😀

[@selfamit208]

@@Potatotalkies well..ol gud...thanx bro..i thought you do on ur own..🙂

[@rosymelody4125]

A person should be on PR to become a mortgage agent or a TR can also get into this career?

[@ankitaggarwal3444]

I follow you since you landed as an immigrant and really excited to see your growth. I am actually looking for some consulting on Mortgage as I am looking to buy some property. Please let me know if we can connect. Thanks.

[@Potatotalkies]

Hi, thank you Ankit. You can reach out to me at [e-mail] with your number and some context. Will call you :)

[@rashmis9123]

Nice vidéo! Curious ! Who pays for the entertainment lunches coffees dinners etc ..as it’s high cost too!! When it involves lots of clients

[@Potatotalkies]

It’s my business :) I will have to pay.

[@rashmis9123]

@@Potatotalkies thank you!

[@irfanmahmood4684]

What are the perquisites to become mortgage broker

[@usmaniftikhar6478]

How to join founder's club Share the link here

[@tanujakesarkar9687]

I was just wondering...There was one young Indian student got shot recently in Toronto...why there's no single post from any of the Indian-Canada vloggers...This feels so insensitive, nobody has anything to say about this demise? Or to his family? I am not related to him but still my heart felt for him and for his parents, god knows how he arranged for finances... That same student might be following you or might have watched your videos... This should not happen. Many aspirants come to Canada with loads of dreams, leaving their home country, within a second life just ends!!!!! How brutal it is? if influencers like you do not even utter a single word on this? It feels so strange...this kind of issues get attention when it's highlighted so that Govt can take strict actions.. Hope this won't repeat again 🙏 My condolences with Kartik's family ☮️

[@ManojKumar-pb4my]

Do you think can someone land on Canada with pr with 480 crs score

[@yoloyogi]

You opened the gates. I am in 😀👍

[@vaidehipatel9850]

With Which brokerage did you get a license?

[@NarinderSingh-uq5ok]

Hi Sir I want to choose Mortgage agent and I have done MCA amity school and have WES report. Can I apply for Mortgage licence without IELTs . Please suggest me

[@sj00102]

How about the 1% thing mortgage agents mention when your income is less or working as contractor/non full time. Any inputs on that ?

[@Potatotalkies]

Not something I do … that’s mortgage fraud. Let’s call it that. Unless you are talking about B lender / private and the 1% is the lender fee… that’s different..

[@sj00102]

@@Potatotalkies great, thanks

[@rentastic4u]

I am a new immigrant and wish to know how to be start my journey as a mortgage broker

[@sukhjitsingh8269]

how much income do you need to qualify for 800k mortgage?

[@rvsoceanofknowledge2305]

Hi good video bro As you are Punjabi Brother I can trust you for advice and future transaction in Canada Can you advise me with some info Actually I am In india and planning to move on PR ,and as I saw some videos ,some of yours also about Calgary so that I want to move there ,so I have some Property in India ,which I sell and want to buy a house which give some income also ,I don't want to stay on rent ,after how much time I am eligible to get a loan after moving there ?

[@jottaran1731]

It help to get PR or not?

[@arshS27]

One thing Nav- so if after the offer , banks appraises property less than agreed price by seller , one would need to put money from pocket , so how do ppl escape this ?

[@Potatotalkies]

By making sure that you work with a realtor and mortgage agent who won’t let you put an offer outside of the comparables in the area :)

[@anildaita]

Take private financing to cover up the difference or get gifted funds. Bank are appraising houses for less off late to control the bubble!!

[@nazishbhutani2467]

Hey Navjyot. How are you. I also want to do this course so can you share the details of the course. Specifically which institute and the duration of the course.

[@Potatotalkies]

Soon

[@getgoingwithshilpi]

My son is coming in May on PR . Plz guide him.

[@ZeeMan2.0]

1st Think always outside the box like navjot paa ji

[@Potatotalkies]

👏👏

[@shailender97]

Namah Shivay 🙏

[@sgamingyt9392]

Paji muje truck cholane ka shok hai or me India me 2sal se truck chala roha hu muje aab Canada me truck cholana hai lekin muje Canada kese aau Visa prosess kiya hai ye pata nahi hai muje please aap yek video banao jisame India se kohi truck driver Canada aana chahta hai to usako konsa Visa lena chahiye or Visa me konsa konsa documents lagta hai

[@sumaiyanoor6928]

Following you for a while here. Would love to have your advice in my home buying journey.

[@Potatotalkies]

Thanks. Please book a call from the link in the description. Talk soon.

[@sumaiyanoor6928]

@@Potatotalkies thank you! I did but only received an email with required documents list not a calendar invite so far.

[@aashpreetkaur1803]

What is the right reasoning that the new-comers cannot buy a house in 5% down...what right advice the bank person should have given you??

[@Potatotalkies]

In many cases, you need alternate credit history to buy at under 10% down. 10 months phone bill in your name or 10 months hydro bill and rent agreement / rent coming out of your account for 10 months.

[@rohanutep81]

Hi Navjot, what is the name of mortgage brokerage you joined?

[@Potatotalkies]

Dominion lending Center

[@pshinde653]

Hey.. You are doing g8 in this area. I also recently moved to Kitchener and I would like to talk to you !

[@Potatotalkies]

Do book a call from the description :) talk soon

[@jamilsattar9750]

hi nav i wanted to buy a house in calgary like ur ones. but the price of that house jumped sky rocket. is it a good time to buy a house in this year. i can i get to work with u in buying a house i reside in saskatoon.

[@Potatotalkies]

You should buy when others aren’t :) The prices in calgary are again coming down.

[@AparnaPSown]

Hi guys, I have a doubt, i found one HR consultant who told me that, he is a registered recruiter in Canada, he will help me to get a job offer from Canada. I asked him about the procedures to get the job offer. He said he will take my resume to the immigration officer and get stamp on it. Then I will directly get the job offer. I asked him how will I get a job offer without any interview. He said no need interview to get a job offer, but I have to submit my certificates. Is this genuine?

[@anusharma6686]

Don't submit original certificates

[@AnujBahl_rafa]

The reasoning on real estate never going down in Canada is incorrect, just because it contributes more to GDP does not mean it can't go down. Infact the stage (prices + demand) Canada is at right now, it makes real estate a far less lucrative investment option than the MFs, stocks.

[@haariskhan5307]

In which clg mortgage agent course is provided?? What is it's duration?? Does it help in getting PR?? Please reply 👍

[@Potatotalkies]

You need to have a PR to be a mortgage agent.

[@gurashishsingh7186]

2 year old video...need to update with todays senerio...I think realtor and mortgage broker both are over paid job...just do a small course and earn that which people actually cant make by doing good degree...so I think commission specially for realtor need to change ..

[@manunagpal841]

I'm curious about how to make a mentor? Do you pay your mentor?

[@Potatotalkies]

Yes - I pay them at times:) It’s a mutual relationship, you need to fit yourself into their daily routine or pay them.

[@aimashah5414]

Is your mentor from the bank that you are working with?

[@Potatotalkies]

I work with a brokerage And yes 👍

[@punjabicanadian7594]

Thanks for making this video. Can you please get more deep ...how to start a career in this field.. What things hav to do after getting license.? As I am really new, i don't hav any networks in this area of expertise, how to start everything? Please make a video on tht. I will be waiting for tht.

[@Potatotalkies]

Sure

[@Alexkoshy16]

Who was the Mortgage broker that you used?

[@Potatotalkies]

Vikram :)

[@manasprasher111190]

can i ask who is your mentor please

[@Potatotalkies]

I guy named Matthew… you will see him in my webinars if you join them.

[@the_matthewshantz]

Sometimes I also pop up in your comments section :)

[@vaidehipatel9850]

Hi Matthew . Would you mind helping another person who is on his journey to get a license. How can we contact you Matthew? Thanks

[@tajinderkumar8969]

If mortgage brokers dont charge for the advice, how do they earn?

[@Potatotalkies]

The banks pays a commission to get the client and do their work for them

[@ichow2941]

How can I contact you to take your service?

[@Potatotalkies]

You can book a call from the link in the description. Talk to you soon

[@ichow2941]

@@Potatotalkies Thanks

[@usmaniftikhar6478]

Vik is your morgage agent

[@Potatotalkies]

Yes :) he inspired me to do this!

[@anildaita]

You are still a mortgage agent. A broker is one with minimum 2 years experience as an agent.

[@Potatotalkies]

That’s brokerage :) Agent and broker is same.

[@the_matthewshantz]

Mortgage Brokering is just the general term for the industry. The difference between and Agent and Broker only relates to the level of license you have, which has to do with administrative roles. It has no impact on service, knowledge, or capacity of the person brokering your deal.

[@hemanth485]

I already submitted a form.. No response yet..

[@Potatotalkies]

You would have received an email asking for docs. Will be great if you could send those. Thanks

[@rohanutep81]

If house is more than 500,000 then down payment is more than 5%

[@Potatotalkies]

Yes

[@lokithor9472]

This channel gives only anxiety.

[@saranjeetkaurduggal8879]

Your words are always convincing and helpful. Keep helping…….

[@Potatotalkies]

Thank you 😊