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Mortgagenomics Canada

Mortgagenomics Canada

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Mortgagenomics Canada

Mortgagenomics Canada

Mortgagenomics Canada

0
Followers
2
Plays
OVERVIEWEPISODESYOU MAY ALSO LIKE

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About Us

A podcast hosted by mortgage broker, Marko Gelo. Born and raised in Calgary, then moved to Vancouver in 2011. Owner of dually licensed mortgage brokerage, Home Financing Solutions Inc. (a franchise of The Mortgage Centre). Mortgagenomics focuses on economics, real estate and feature segments on mortgage qualification strategies and policies. To make things a bit more interesting, Marko produces all the music tracks for the podcast. Songs are typically 1-3 minutes in duration, but may also feature tracks from past bands that Marko has played in. Good info, good music.


Listen to past music tracks by clicking here.


Marko Calgary Contact: 403-606-3751 direct

Marko Vancouver Contact: 604-800-9503 direct

gelo.m@mortgagecentre.com

http://www.markogelo.com/

https://www.homefinancingsolutions.ca/mortgagenomics-podcast/



See acast.com/privacy for privacy and opt-out information.

Latest Episodes

Mortgage qualification boosters you probably weren't aware of

Why is it that banks differ in how much mortgage they approve you for? Even though all banks use the same qualification formulas, there are some banks that have additional boosters that can propel you to higher qualification amounts. Key points:Mortgage Approval Pro Tip #1: Down Payment and Amortization affect your maximum mortgage amount Mortgage Approval Pro Tip #2: After income, debt is the next major mortgage qualification killerMortgage Approval Pro Tip #3: Avoid using CMHC if you want to qualify for the absolute maximum mortgageMortgage Approval Pro Tip #4: Be aware of non-income qualification boosterslisten to the complete episode for more details!ALSO INCLUDED: an Marko-Gelo-Garage-Band creationMarko Gelo Garage Band Sessions:(produced and performed my Marko)"Cheap Money" ...intro song (0:41)"GeorgeQ" ...outro song, full version (1:57)all instrument and vocal tracks performed by Marko Gelomusic tracks arranged and produced by Marko GeloContact Marko, he's a Mortgage Broker:604-800-9593direct Vancouver403-606-3751direct Calgarymarkogelo.comhomefinancingsolutions.caApply for a MortgageFacebook@markogelo(Twitter)MarkoMusic(SoundCloud Account)...all podcast music tracks are performed and produced by MarkoClick Hereto download Marko's Mortgage App (information, rates, calculators, etc) See acast.com/privacy for privacy and opt-out information.

14 MIN3 w ago
Comments
Mortgage qualification boosters you probably weren't aware of

The economic vaccine will have some mortgage in it

How mortgages will play a key role in how Canada's financial system rebounds in the post-COVID era.Ready or not, here we go.Key points:8 weeks in isolation and the resulting impact on mortgage qualification and Canada's financial systemCanada's life saver...our general conservative nature (move ahead with caution approach)yesterday's compromises will be today's toolseverything is political...except mortgage qualificationis the next industrial revolution upon us? ...one economist thinks solisten to the complete episode for more details!ALSO INCLUDED: an unfinished Marko-Gelo-Garage-Band creation (sneak-peak)Marko Gelo Garage Band Sessions:(produced and performed my Marko)"Cheap Money" ...intro song (0:41)"GeorgeO" ...outro song, instrumental version (1:57)all instrument and vocal tracks performed by Marko Gelomusic tracks arranged and produced by Marko GeloContact Marko, he's a Mortgage Broker:604-800-9593direct Vancouver403-606-3751direct Calgarymarkogelo.comhomefinancingsolutions.caApply for a MortgageFacebook@markogelo(Twitter)MarkoMusic(SoundCloud Account)...all podcast music tracks are performed and produced by MarkoClick Hereto download Marko's Mortgage App (information, rates, calculators, etc) See acast.com/privacy for privacy and opt-out information.

23 MINMAY 5
Comments
The economic vaccine will have some mortgage in it

Should I be nervous about my home appraisal?

Key points:behind the scenes with (COVID19) appraisal procedures and value determinationunderstanding the impact of loan-to-value ratios on your mortgage qualificationpreparation for your appraisal during COVID19real estate value trends since COVID outbreakact now, or later?listen to the episode for more details!ALSO INCLUDED: past Marko-Gelo-Garage-Band creationsGuest Contact:No GuestsMarko Gelo Garage Band Sessions:(produced and performed my Marko)"Cheap Money" ...intro song (0:41)"Economies of Scale" ...outro song (1:09)all vocal tracks performed by Marko Gelomusic tracks arranged and produced by Marko GeloContact Marko, he's a Mortgage Broker:604-800-9593direct Vancouver403-606-3751direct Calgarymarkogelo.comhomefinancingsolutions.caApply for a MortgageFacebook@markogelo(Twitter)MarkoMusic(SoundCloud Account)...all podcast music tracks are performed and produced by MarkoClick Hereto download Marko's Mortgage App (information, rates, calculators, etc) See acast.com/privacy for pr...

16 MINAPR 26
Comments
Should I be nervous about my home appraisal?

The SECRET to renewing your mortgage.

Key points:access to fully discounted interest rates - not POSTED RATESability to move to another lender without penaltyoption to change the terms and features of your new mortgageoption to pay off any lingering debt without incurring any break feeshow to become fully optimized and prepared for your mortgage renewal with minimal effortlisten to the episode for more details!ALSO INCLUDED: a brand new Marko-Gelo-Garage-Band song...check it out. "Sunday Nights"Guest Contact:No GuestsMarko Gelo Garage Band Sessions:(produced and performed my Marko)"Sunday Nights" ...intro song (1:56)all vocal tracks performed by Marko Gelomusic tracks arranged and produced by Marko GeloContact Marko, he's a Mortgage Broker:604-800-9593direct Vancouver403-606-3751direct Calgarymarkogelo.comhomefinancingsolutions.caApply for a MortgageFacebook@markogelo(Twitter)MarkoMusic(SoundCloud Account)...all podcast music tracks are performed and produced by MarkoClick Hereto download Marko's Mortgage App (informati...

18 MINAPR 20
Comments
The SECRET to renewing your mortgage.

Why are mortgage rates going up!?

Key points:when bond yields go down, mortgage rates are supposed to follow...not these daysif Prime Rate goes down, do fixed rates also go down?where are interest rates in Canada headed?What is the "Bank of Canada" and what is its purpose?how to capture the best interest rate for your upcoming mortgage renewallisten to the episode for more details!Guest Contact:No GuestsMarko Gelo Garage Band Sessions:(produced and performed my Marko)"23 days in Berlin" ...intro song (1:17)all vocal tracks performed by Marko Gelomusic tracks arranged and produced by Marko GeloContact Marko, he's a Mortgage Broker:604-800-9593direct Vancouver403-606-3751direct Calgarymarkogelo.comhomefinancingsolutions.caApply for a MortgageFacebook@markogelo(Twitter)MarkoMusic(SoundCloud Account)...all podcast music tracks are performed and produced by MarkoClick Hereto download Marko's Mortgage App (information, rates, calculators, etc) See acast.com/privacy for privacy and opt-out information.

15 MINAPR 7
Comments
Why are mortgage rates going up!?

COVID19&Mortgages - deferring your mortgage payments

Key points:YES - most Canadian banks are making the ability to defer your mortgage payments available for eligible applicantsYES - the ability to defer for UP TO 6 months seems to be the generally promoted tenure of deferring your paymentsYES - for those that are anticipating hardship, you need to inquire and apply with, or at the very least inform your lender that you may possibly be defaulting on your next payment.Whatever you do, don’t do ABSOLUTELY NOTHING. If you have already missed a mortgage payment and haven’t had the chance to be proactive about it, continue on the path and try to reach them to explain your situation and proceed to formally apply for the programYES - lack of action from you PRIOR to your first missed mortgage payment will likely impact your credit score.The key is to be forthcoming and proactive - I can’t stress this enough.YES - you will be on the phone or waiting for an online response for a very long time...this is normalYES - you may possibly have to...

15 MINMAR 29
Comments
COVID19&Mortgages - deferring your mortgage payments

Mortgage Brokers...all the way.

Subtitle4 reasons to use a mortgage brokerSummaryKey points:the Big 5 Banks in Canada...how many other lenders are there?4 reasons to use a mortgage broker: (i) there's always a Plan B (ii) engage lenders to compete for your business (iii) interpreting the fine print of all lenders (iv) you won't know what you don't knowand much more..Guest Contact: n/aMarko Gelo Garage Band Sessions:(produced and performed my Marko)"ManicPanic" ...intro songContact Marko, he's a Mortgage Broker:604-800-9593direct Vancouver403-606-3751direct Calgarymarkogelo.comFacebook@markogelo(Twitter)MarkoMusic(SoundCloud Account)...all podcast music tracks are performed and produced by MarkoClick Hereto download Marko's Mortgage App (information, rates, calculators, etc) See acast.com/privacy for privacy and opt-out information.

7 MINMAR 9
Comments
Mortgage Brokers...all the way.

_/ Stick handling your way out of a personal financial crisis

Key points:average Canadian owes $1.78 for every $1 earnedwhat happens to your credit when: you are behind in payments, your credit card is max'dreach out for a consultation sooner than later - when it comes to credit, time is always of the essenceapplications and examples of consumer proposalsyou can still qualify for a mortgage if you had a consumer proposal or even if you've been bankruptand much more..Guest Contact: Michael Goldenberg (Debt Care Canada):1-888-890-0888phone,mgoldenberg@debtcare.caMarko Gelo Garage Band Sessions:(produced and performed my Marko)"and now for the guest of the show" ...guitar, vocals (lead and harmony), Apple Garage Band loops"sunny days"...outro track, acoustic guitar, bass guitar, drums, keyboardContact Marko, he's a Mortgage Broker:604-800-9593direct Vancouver403-606-3751direct Calgarymarkogelo.comFacebook@markogelo(Twitter)MarkoMusic(SoundCloud Account)...all podcast music tracks are performed and produced by MarkoClick Hereto download Marko's Mo...

34 MIN2019 DEC 4
Comments
_/ Stick handling your way out of a personal financial crisis

Marijuana, Real Estate & Mortgages

Key points:what does "remediated grow op" mean?how do you know if you are buying a property that was once a marijuana grow op?will banks approve your mortgage if your property was previously a grow op?growing marijuana is legal, does that mean your tenant can do so?home insurance and legalized marijuana legislation...what to be aware ofand much more..Contact John Darel (Realtor, Maxwell Canyon Creek Realty): 403-861-2733 cell, jdarel@johndarelrealty.caMarko Gelo Garage Band Sessions:(produced and performed my Marko)"and now for the guest of the show" (guitar tracks and vocals by Marko Gelo, the rest of the tracks are Apple Garage Band loops)"fight the day"...an original song by Sleeping Lorry (a band Marko played in back in the early 90's); vocals & rhythm guitar by J. Vulic, background vocals and lead guitar by M. Gelo, Bass Guitar by D. Kulas, Drums by R. Vulic)Contact Marko, he's a Mortgage Broker:604-800-9593direct Vancouver403-606-3751direct Calgarymarkogelo.comFacebook@markoge...

40 MIN2019 NOV 9
Comments
Marijuana, Real Estate & Mortgages

ElectionPromises, DownPayment Verification & NewMusic

Key points:which party's housing affordability appeals to you most?verifying the source of your down payment - what do the banks expect?what if Bank of Mom & Dad contribute towards my down payment?how long must you have ownership of your down payment proceeds before you move in?money can be transferred into Canada from around the world (for mortgage down payment purposes) EXCEPT three countriesMarko Gelo Garage Band Sessions:(produced and performed my Marko)the opening track features a piece called "TheThingAboutMoney" (acoustic and electric guitars, 5 piece acoustic drum kit, Latino Percussion, HandClapping, Chanting, Fender Precision Bass, vocals). Laid down three vocal tracks for the chanting, another three for the main vocals (2 tracks harmonizing and the third was a low bass note sustained on the last lyric of every verse). Wanted to add synthesizer for some ambience, but the guitars were recorded out of tune...just kept it all guitar as a result.Contact Marko, he's a Mortgage ...

24 MIN2019 OCT 18
Comments
ElectionPromises, DownPayment Verification & NewMusic

Latest Episodes

Mortgage qualification boosters you probably weren't aware of

Why is it that banks differ in how much mortgage they approve you for? Even though all banks use the same qualification formulas, there are some banks that have additional boosters that can propel you to higher qualification amounts. Key points:Mortgage Approval Pro Tip #1: Down Payment and Amortization affect your maximum mortgage amount Mortgage Approval Pro Tip #2: After income, debt is the next major mortgage qualification killerMortgage Approval Pro Tip #3: Avoid using CMHC if you want to qualify for the absolute maximum mortgageMortgage Approval Pro Tip #4: Be aware of non-income qualification boosterslisten to the complete episode for more details!ALSO INCLUDED: an Marko-Gelo-Garage-Band creationMarko Gelo Garage Band Sessions:(produced and performed my Marko)"Cheap Money" ...intro song (0:41)"GeorgeQ" ...outro song, full version (1:57)all instrument and vocal tracks performed by Marko Gelomusic tracks arranged and produced by Marko GeloContact Marko, he's a Mortgage Broker:604-800-9593direct Vancouver403-606-3751direct Calgarymarkogelo.comhomefinancingsolutions.caApply for a MortgageFacebook@markogelo(Twitter)MarkoMusic(SoundCloud Account)...all podcast music tracks are performed and produced by MarkoClick Hereto download Marko's Mortgage App (information, rates, calculators, etc) See acast.com/privacy for privacy and opt-out information.

14 MIN3 w ago
Comments
Mortgage qualification boosters you probably weren't aware of

The economic vaccine will have some mortgage in it

How mortgages will play a key role in how Canada's financial system rebounds in the post-COVID era.Ready or not, here we go.Key points:8 weeks in isolation and the resulting impact on mortgage qualification and Canada's financial systemCanada's life saver...our general conservative nature (move ahead with caution approach)yesterday's compromises will be today's toolseverything is political...except mortgage qualificationis the next industrial revolution upon us? ...one economist thinks solisten to the complete episode for more details!ALSO INCLUDED: an unfinished Marko-Gelo-Garage-Band creation (sneak-peak)Marko Gelo Garage Band Sessions:(produced and performed my Marko)"Cheap Money" ...intro song (0:41)"GeorgeO" ...outro song, instrumental version (1:57)all instrument and vocal tracks performed by Marko Gelomusic tracks arranged and produced by Marko GeloContact Marko, he's a Mortgage Broker:604-800-9593direct Vancouver403-606-3751direct Calgarymarkogelo.comhomefinancingsolutions.caApply for a MortgageFacebook@markogelo(Twitter)MarkoMusic(SoundCloud Account)...all podcast music tracks are performed and produced by MarkoClick Hereto download Marko's Mortgage App (information, rates, calculators, etc) See acast.com/privacy for privacy and opt-out information.

23 MINMAY 5
Comments
The economic vaccine will have some mortgage in it

Should I be nervous about my home appraisal?

Key points:behind the scenes with (COVID19) appraisal procedures and value determinationunderstanding the impact of loan-to-value ratios on your mortgage qualificationpreparation for your appraisal during COVID19real estate value trends since COVID outbreakact now, or later?listen to the episode for more details!ALSO INCLUDED: past Marko-Gelo-Garage-Band creationsGuest Contact:No GuestsMarko Gelo Garage Band Sessions:(produced and performed my Marko)"Cheap Money" ...intro song (0:41)"Economies of Scale" ...outro song (1:09)all vocal tracks performed by Marko Gelomusic tracks arranged and produced by Marko GeloContact Marko, he's a Mortgage Broker:604-800-9593direct Vancouver403-606-3751direct Calgarymarkogelo.comhomefinancingsolutions.caApply for a MortgageFacebook@markogelo(Twitter)MarkoMusic(SoundCloud Account)...all podcast music tracks are performed and produced by MarkoClick Hereto download Marko's Mortgage App (information, rates, calculators, etc) See acast.com/privacy for pr...

16 MINAPR 26
Comments
Should I be nervous about my home appraisal?

The SECRET to renewing your mortgage.

Key points:access to fully discounted interest rates - not POSTED RATESability to move to another lender without penaltyoption to change the terms and features of your new mortgageoption to pay off any lingering debt without incurring any break feeshow to become fully optimized and prepared for your mortgage renewal with minimal effortlisten to the episode for more details!ALSO INCLUDED: a brand new Marko-Gelo-Garage-Band song...check it out. "Sunday Nights"Guest Contact:No GuestsMarko Gelo Garage Band Sessions:(produced and performed my Marko)"Sunday Nights" ...intro song (1:56)all vocal tracks performed by Marko Gelomusic tracks arranged and produced by Marko GeloContact Marko, he's a Mortgage Broker:604-800-9593direct Vancouver403-606-3751direct Calgarymarkogelo.comhomefinancingsolutions.caApply for a MortgageFacebook@markogelo(Twitter)MarkoMusic(SoundCloud Account)...all podcast music tracks are performed and produced by MarkoClick Hereto download Marko's Mortgage App (informati...

18 MINAPR 20
Comments
The SECRET to renewing your mortgage.

Why are mortgage rates going up!?

Key points:when bond yields go down, mortgage rates are supposed to follow...not these daysif Prime Rate goes down, do fixed rates also go down?where are interest rates in Canada headed?What is the "Bank of Canada" and what is its purpose?how to capture the best interest rate for your upcoming mortgage renewallisten to the episode for more details!Guest Contact:No GuestsMarko Gelo Garage Band Sessions:(produced and performed my Marko)"23 days in Berlin" ...intro song (1:17)all vocal tracks performed by Marko Gelomusic tracks arranged and produced by Marko GeloContact Marko, he's a Mortgage Broker:604-800-9593direct Vancouver403-606-3751direct Calgarymarkogelo.comhomefinancingsolutions.caApply for a MortgageFacebook@markogelo(Twitter)MarkoMusic(SoundCloud Account)...all podcast music tracks are performed and produced by MarkoClick Hereto download Marko's Mortgage App (information, rates, calculators, etc) See acast.com/privacy for privacy and opt-out information.

15 MINAPR 7
Comments
Why are mortgage rates going up!?

COVID19&Mortgages - deferring your mortgage payments

Key points:YES - most Canadian banks are making the ability to defer your mortgage payments available for eligible applicantsYES - the ability to defer for UP TO 6 months seems to be the generally promoted tenure of deferring your paymentsYES - for those that are anticipating hardship, you need to inquire and apply with, or at the very least inform your lender that you may possibly be defaulting on your next payment.Whatever you do, don’t do ABSOLUTELY NOTHING. If you have already missed a mortgage payment and haven’t had the chance to be proactive about it, continue on the path and try to reach them to explain your situation and proceed to formally apply for the programYES - lack of action from you PRIOR to your first missed mortgage payment will likely impact your credit score.The key is to be forthcoming and proactive - I can’t stress this enough.YES - you will be on the phone or waiting for an online response for a very long time...this is normalYES - you may possibly have to...

15 MINMAR 29
Comments
COVID19&Mortgages - deferring your mortgage payments

Mortgage Brokers...all the way.

Subtitle4 reasons to use a mortgage brokerSummaryKey points:the Big 5 Banks in Canada...how many other lenders are there?4 reasons to use a mortgage broker: (i) there's always a Plan B (ii) engage lenders to compete for your business (iii) interpreting the fine print of all lenders (iv) you won't know what you don't knowand much more..Guest Contact: n/aMarko Gelo Garage Band Sessions:(produced and performed my Marko)"ManicPanic" ...intro songContact Marko, he's a Mortgage Broker:604-800-9593direct Vancouver403-606-3751direct Calgarymarkogelo.comFacebook@markogelo(Twitter)MarkoMusic(SoundCloud Account)...all podcast music tracks are performed and produced by MarkoClick Hereto download Marko's Mortgage App (information, rates, calculators, etc) See acast.com/privacy for privacy and opt-out information.

7 MINMAR 9
Comments
Mortgage Brokers...all the way.

_/ Stick handling your way out of a personal financial crisis

Key points:average Canadian owes $1.78 for every $1 earnedwhat happens to your credit when: you are behind in payments, your credit card is max'dreach out for a consultation sooner than later - when it comes to credit, time is always of the essenceapplications and examples of consumer proposalsyou can still qualify for a mortgage if you had a consumer proposal or even if you've been bankruptand much more..Guest Contact: Michael Goldenberg (Debt Care Canada):1-888-890-0888phone,mgoldenberg@debtcare.caMarko Gelo Garage Band Sessions:(produced and performed my Marko)"and now for the guest of the show" ...guitar, vocals (lead and harmony), Apple Garage Band loops"sunny days"...outro track, acoustic guitar, bass guitar, drums, keyboardContact Marko, he's a Mortgage Broker:604-800-9593direct Vancouver403-606-3751direct Calgarymarkogelo.comFacebook@markogelo(Twitter)MarkoMusic(SoundCloud Account)...all podcast music tracks are performed and produced by MarkoClick Hereto download Marko's Mo...

34 MIN2019 DEC 4
Comments
_/ Stick handling your way out of a personal financial crisis

Marijuana, Real Estate & Mortgages

Key points:what does "remediated grow op" mean?how do you know if you are buying a property that was once a marijuana grow op?will banks approve your mortgage if your property was previously a grow op?growing marijuana is legal, does that mean your tenant can do so?home insurance and legalized marijuana legislation...what to be aware ofand much more..Contact John Darel (Realtor, Maxwell Canyon Creek Realty): 403-861-2733 cell, jdarel@johndarelrealty.caMarko Gelo Garage Band Sessions:(produced and performed my Marko)"and now for the guest of the show" (guitar tracks and vocals by Marko Gelo, the rest of the tracks are Apple Garage Band loops)"fight the day"...an original song by Sleeping Lorry (a band Marko played in back in the early 90's); vocals & rhythm guitar by J. Vulic, background vocals and lead guitar by M. Gelo, Bass Guitar by D. Kulas, Drums by R. Vulic)Contact Marko, he's a Mortgage Broker:604-800-9593direct Vancouver403-606-3751direct Calgarymarkogelo.comFacebook@markoge...

40 MIN2019 NOV 9
Comments
Marijuana, Real Estate & Mortgages

ElectionPromises, DownPayment Verification & NewMusic

Key points:which party's housing affordability appeals to you most?verifying the source of your down payment - what do the banks expect?what if Bank of Mom & Dad contribute towards my down payment?how long must you have ownership of your down payment proceeds before you move in?money can be transferred into Canada from around the world (for mortgage down payment purposes) EXCEPT three countriesMarko Gelo Garage Band Sessions:(produced and performed my Marko)the opening track features a piece called "TheThingAboutMoney" (acoustic and electric guitars, 5 piece acoustic drum kit, Latino Percussion, HandClapping, Chanting, Fender Precision Bass, vocals). Laid down three vocal tracks for the chanting, another three for the main vocals (2 tracks harmonizing and the third was a low bass note sustained on the last lyric of every verse). Wanted to add synthesizer for some ambience, but the guitars were recorded out of tune...just kept it all guitar as a result.Contact Marko, he's a Mortgage ...

24 MIN2019 OCT 18
Comments
ElectionPromises, DownPayment Verification & NewMusic
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