What Mortgage Agent Course Do You Take to Become a Licensed Mortgage Agent in Ontario?

An individual interested in becoming a Mortgage Agent in Ontario must complete a Mortgage Agent Course that meets the Mortgage Agent Qualifying Standards as defined by the Financial Services Commission of Ontario (FSCO). FSCO is the regulator of the Ontario mortgage industry and is responsible for regulating brokers, agents, brokerages, and administrators (for more information, visit www.fsco.gov.on.ca).

There are a number of Mortgage Agent Courses offered in Ontario that are approved by FSCO. The Canadian Association of Accredited Mortgage Professionals (CAAMP) offers the Ontario Mortgage Agent Course in online and in-class format.  There are also a number of other courses offered through various community colleges (visit www.ontariolearn.com for more information).

The various Mortgage Agent Courses available are required to follow the same curriculum, feature a course of study, and be followed by an examination. The format, however, may vary depending on whether it is offered online, in-class, or a combination of both. Course providers set their own tuition fees.

Topics covered in CAAMP’s Ontario Mortgage Agent Course include:

Introduction to the Canadian Mortgage Industry
Overview of the Industry; Regulatory Framework
Legal Overview; Mortgage Mathematics
Understanding the Mortgage Process
Completing the Mortgage Application
Qualifying the Borrower
Mortgage Products
Related Products and Submitting the Application
Valuing Property and the Decision to Lend
The Closing Process
Protecting Consumers and Increasing Industry Professionalism.

There are no admission requirements for enrolling in a Mortgage Agent Course. However, students will find it useful to have a general understanding of mathematics and will benefit from a background in financial services. Those who do not will likely require additional study time.


Individuals interested in becoming Mortgage Brokers in Ontario must meet a number of qualifications as defined by FSCO. All individuals interested in obtaining a Mortgage Broker license in Ontario must have successfully completed an approved Mortgage Agent Course; must have been working as a licensed Mortgage Agent for a minimum of two years within the three years prior to application; and must have successfully completed an approved Mortgage Broker Course within the three years prior to applying for a Mortgage Broker license.

In Ontario, the Mortgage Broker Course is offered in English by Seneca College of Applied Arts and Technology (www.senecac.on.ca) and in French by La Cité collégiale (www.lacitec.on.ca). The Mortgage Broker Course consists of 42 hours of online study which takes approximately 14 weeks to complete, followed by five consecutive days of in-class seminars. Participants are required to attend all of the in-class seminars to be eligible to write the mandatory final qualifying examination.


All currently-licensed Mortgage Agents and Mortgage Brokers (including Principal Brokers and Brokers employed by finance companies) who will be renewing their licenses in 2012 will first have to complete a five-hour FSCO-approved Re-licensing Course.

Mandatory Re-licensing Education for Ontario Mortgage Agents and Mortgage Brokers will be available in November 2011 and will be offered by select education providers.  An outline of the Mortgage Agent and Mortgage Broker Re-licensing Education Course, entitled MB Re-licensing Education 2012, is available on the FSCO website (www.fsco.gov.on.ca).

The objective of mandatory Re-licensing Education is to ensure that Mortgage Agents and Mortgage Brokers fully understand the requirements and regulations of the Mortgage Brokerages, Lenders, and Administrators Act (MBLAA).

Requirements for Mandatory Re-licensing Education following 2012 are yet to be determined.

OntarioLearn.com is a consortium of 22 Ontario Community Colleges who have partnered to develop and deliver on-line courses. Each partner college selects courses from the OntarioLearn.com course inventory that will complement its existing distance education offerings. To learn more about Ontario Mortgage Agent Course and Mandatory Re-licensing Education, feel free to visit their website at http://www.ontariolearn.com.

Mortgage App - My Mortgage Mentor Demo (iPhone App)

Mortgage App Demo – The ‘My Mortgage Mentor’ iPhone App has one aim: to save you money on your mortgage!

This video is a demo of the mortgage app to give you a feel for it, as well as serving a basic tutorial. The app is a straightforward and powerful mortgage calculator, which also allows you to analyse and compare mortgage deals.

To find out more, please visit http://www.mymortgagementor.co.uk

You can buy it here
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Buy to Let Mortgage – The Guide

A Buy to Let Mortgage is designed to allow the Mortgage holder to rent a property out and to earn rental income from the tenants of this property. Buy to Let Mortgages have been exceptionally popular in the past. Many people have taken advantage of market conditions and made a significant amount of money using their Buy to Let Mortgage to do so.

In today’s market there are fewer Buy to Let Mortgages available and as such it can be difficult to find a fantastic deal.

The Advantages of Buy to Let Mortgages
In the right circumstances a Buy to Let Mortgage can be an extremely effective way of funding the purchase of a property and earning rental income from it too.
The obvious advantages of Buy to Let Mortgages are that you can use the rental income the property generates to pay off your mortgage and any excess income generated by the property can be pocketed by you. If used to full effect Buy to Let Mortgages can be a great investment.

The Disadvantages of Buy to Let Mortgages
A Buy to Let Mortgage is an investment and like any investment they carry a risk. If you fail to let your property out you need to be sure that you can still meet your Mortgage repayments. If you fail to do so your property is at risk of repossession.

Letting a property and generating income from it requires a lot of hard work. As a landlord there will be certain regulations you will have to adhere to and you will need to factor these into your costs. Also, as the property owner you will still be responsible for maintenance of the property and this can be expensive

Very often, a Buy to Let Mortgage lender will insist that the monthly income generated by the property has to be 125% of the expected Mortgage repayments. Also, most Buy to Let Mortgage lenders will offer to lend up to 85% of the property value at most. This means that you may need to raise a 15% deposit for your Buy to Let property.

Before signing up to a Buy to Let Mortgage you may wish to obtain some Buy to Let advice. An Independent financial adviser can talk you through how a Buy to Let Mortgage could work for you and help you avoid the pitfalls.



Find an Independent financial adviser with IFACompare. Use our unique search facility for free to compare IFA’s at a glance and find an IFA to give you the independent financial advice. You can also use our tools and guide to help with your finances

Find an Independent financial adviser with IFACompare. Use our unique search facility for free to compare IFA’s at a glance and find an IFA to give you the independent financial advice. You can also use our tools and guide to help with your finances




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Finance Application for Monthly Payments on the Graphing Calculator

This video shows the use of the Finance Application on the TI84 series graphing calculators. A monthly house payment is calculated given the loan amount, interest rate, and term of the loan. A monthly car payment is also calculated.
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Windows 8 – Finance App – Preview from Marketcalls
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Welcome to Accounting by Wave — intro to Accounting and Bookkeeping

Take a look at just how easy accounting can be for your small business. In this video:
• Discover key sections of Wave’s integrated software
• Learn how to import transactions into Wave
• See how to do 90% of your accounting and bookkeeping using the Categorize and Verify features
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Bank card Balance Transfer software

Neato Credeeto was created to take the secret away from Credit Card Balance Transfer Offers. Understanding better? a 0 percent for six months with a 3percent cost or a 2.99per cent with a for 1 . 5 years without any fee. This is simply not an easy task to work out with pen and paper however with Neato Credeeto you can easily figure this on in seconds. The reason why treatment? Money is cash therefore the much more you conserve the higher off you’re going to be!! Stand-up and obtain smart with Neato Credeeto.

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Reviews of Best Stock Pick Software

Stock investors today are so leery of stocks today that they are now looking for better ways to choose stock investments during times of uncertain. To that end, many investors are looking for the best stock pick software applications available in order to make better, more informed stock selections. Of course, there are several popular stock picking software applications being offered in the market today.

Among these popular stock pick software, investors are increasingly turning to the Doubling Stocks program because of the program’s accuracy. The Doubling Stocks program is listed among the best stock pick software applications because of the background of the program’s designers and the tremendous success rate the program offers when it comes to selecting promising stocks.

While many stock pick software reviews offer hopeful information about the stock picking software applications, few of the stock pick software programs can compare to the offerings supplied by the Doubling Stocks application. The Doubling Stocks, is a program/robot that has been created by Michael and Carl; the application is literally a robot which helps the investor to pick stocks and the “robot” is identified as “Marl:” a unification of the creators’ names. Carl and Michael, the creators of the Doubling Stocks program creators also created the Global Alpha model for stock trading which was later contracted by Goldman Sachs. The latter software program helps in gaining the company more than 4 billion in yearly trading profits.

Doubling Stocks is an application that is easy to sign up for, inexpensive, and amazingly accurate. Priced right around the cost of some of the accurate stock pick software on the market today, investors get more for their buck when participating in the Doubling Stocks program. The “Marl” robot seeks out stocks with the potential of doubling overnight and is capable of processing nearly two million math calculations every second. While purchasing a license for the “Marl” robot is tremendously expensive, participating in the Doubling Stocks program which is based upon Marl’s predictions is not.

Doubling Stocks is a program considered one of the best stock pick software application because it aids investors in choosing stocks with ease. Offering a full lifetime of accurate stock picking information, participation in this program and the regular receipt of a lifetime worth of stock picks is just under $ 50.00 and therefore reasonably priced. Investors purchasing membership and program information are also supplied with a 60 day guarantee; if dissatisfied with the program the investor gets a full refund with no questions asked.

To learn more about best stock pick software, check out Stock Advice.

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Give Inventory Option Computer Software a-try

You occasionally need most of the help you will get if you are an individual trader or a professional stock trader. One yes method in which you will get the help you’ll need, as it’s needed, is by using stock option pc software. This software provides option pricing designs that can be used to simulate and evaluate stock alternative trading strategies. The application could be installed quite easily and requires hardly any computer knowledge to use and understand. A few of the functions that could be included regarding software you choose are types of testing your trading strategies, checking out feasible scenarios, preserving and printing your jobs as well as the capacity to create clear and concise graphs. All individual alternative pc software possesses its own individual functions and you will wish to take the time to choose the one that will continue to work most effective for you.

Most on the web trading software is simple to make use of by perhaps the most unseasoned computer system user. It generally includes user-friendly drop-down menus and all sorts of you will do is “click” and enter any required market information. (you can easily quickly discover economy information via numerous internet sites.) Once you’ve completed filling in most of the necessary areas and possess submitted these details, the application can look after all associated with the marketplace factors influencing the possibility you have selected. It can take theoretical pricing components (such as theoretical days-until-expiration) under consideration and makes the components equal to real prices information. This helps strategize the volatility associated with trade. In addition it lets you rapidly purchase and sell stock and produce equity jobs simply by going into the cost, the number of stocks bought and just what the commission are going to be.

Stock alternative software is what you need to make the most efficient trading decisions. It includes advanced tools which can be accurate and precise. It offers important trading information in real-time for specific dealers, experts and portfolio managers. The application is internet or PC based and will calculate trading information in only a matter of moments. This eliminates a great deal of manual calculations that you would want to do yourself without having the pc software. While doing all your manual work, the market may likely have altered significantly and you will have to start all over again!

Just click here to learn more about stock alternative computer software: stock option computer software.

Something great computer software for film making and artistic impacts? Where may I find the best free stock footage – and how do i personally use it? Within VFX vlog I will answer dozens of concerns!

Here are the links to my favourite free stock video footage websites:

Begin asking me personally concerns and I’ll answer all of them in my own future vlogs :)

Copyright © 2013 SurfacedStudio

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Clear Mountain Bank’s Mobile Mortgage App!

Clear Mountain Bank's Mobile Mortgage App!

Clear Mountain Bank’s Mobile Mortgage app is designed to enhance the lending experience for both borrowers and Realtors.

What is the best Mortgage Calculator App? Zillow!

Simply search “Zillow Mortgage Calculator” in the applications store of either your smart phone or iPad.

Hint: Don’t use the slides for the price, downpayment and rate. Just touch to the right of side of the bar and a calculator will appear.

Good luck house hunting!

Michele “K”
Coldwell Banker Coastal Alliance
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Chile Travel App

Get onboard with our Android App and get the app that knows where you’re going! Learn more about the app at: http://www.aa.com/app



Top Business Benefits of Android App Development

The phrase ‘there’s an app for that’ comes close to being ‘there’s an Android app for that’ as the world’s most widely adopted apps platform continues to scale up and grow. Currently, there are more than 750,000 apps sitting pretty on Google Play with new releases coming up thick and fast.

Here is a look at what makes Android a best-seller in its own right:

Mass Market appeal: One of the pivotal reasons why Android lives up to the mass markets is its low barriers to entry. The open-source nature brings accounting for licensing and development tools down to minimal—in fact it doesn’t need any investment.  That leaves you with just development and marketing costs to deal with. Stacked up against iOS, Android apps turn out way too affordable and easy getting to.

Wide Distribution channels: While Apple loves tight control over its own apps economy leading to pretty drawn-out approval mechanism, Android is a lot more versatile and open. You can distribute an Android app to suit your own business for example by creating subsidiary distribution channels for vertical market application. You have built it, you decide how to publish —that’s pretty much how it goes on Android.

Big Outreach: Android has always had a massive outreach but the predictions for 2013 simply are of another level. It’s estimated that the total number of apps downloaded will break the 70-billion barrier, and Android apps will be a major force accounting for over 50% downloads. That means close to 35 billion apps getting downloaded in 2013, and that’s simply mighty by any count.

Development ease: Android apps for the most part hang on Java, which has been ideally accessible to developers worldwide. That helps shorten the development cycle along with bringing more versatility to the development. Backed up by a strong Android SDK, this is all you ever want on your plate moving ahead into mobile apps development.

Strong Inter-Platform Integration:  Android app development has the best framework for inter-platform integration which is a big mileage for promoting across platforms. The Android SDK exhibits the most robust development architecture leading into developing or promoting cross-platform. This works out to a big leverage in achieving a tightly knit end-user experience, especially on cross-platform mobile apps.

The benefits to Android app development go far and wide. Without development expertise, however, making headway is a tall order. This is where Android app developers at SDI cut it with their vast Android development experience for clients across the globe. All you need is a baseline idea, and we will get it out into a full-blown Android app.


Author is leading App Developer in Softwaredevelopers UK, A reputed Mobile App Development Company with an experienced team of Android app developers in UK and India. Visit www.softwaredevelopers.co.uk or email team@softwaredevelopers.co.uk for more.

Oriflame Business App

Today’s technologies provide powerful tools for analyzing vast amounts of data, while helping to find answers to important business questions, and improve decisions and the execution of processes. Oriflame Business Application gives you real time data and provides ways to enhance business in your network.

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