The Power of Belief and Relationships in Building Wealth: Insights from a Mortgage Expert

Josh Perez • March 19, 2024

I've got something important to share – something that could potentially change the way you view your financial journey. You see, after spending over a decade in the mortgage industry, I've come to realize that one of the most significant obstacles people face is their own self-doubt.

"Surrounding yourself with the right people who share your drive for progress can fast-track your success. It's about tapping into opportunities, having meaningful conversations, and ultimately building wealth."

Let's rewind to 2009 when I first dipped my toes into the world of mortgages, starting out in the banking sector. Fast forward to today, and I've had the privilege of engaging in countless conversations about people's financial situations. And let me tell you, I've witnessed some truly remarkable transformations.


Imagine sitting down for a casual coffee chat with me and browsing through my extensive database. You'd be amazed by the stories we'd uncover – tales of everyday individuals who defied the odds and achieved extraordinary financial success. But here's the kicker – these success stories weren't fueled by sheer luck or chance. No, they were the result of unwavering belief in oneself and the power of relationships.


You see, I firmly believe that surrounding yourself with the right people can propel you toward your goals faster than you ever thought possible. It's about forging connections with individuals who share your passion for progress and are eager to support you on your journey. These connections open doors to opportunities, spark insightful conversations, and ultimately pave the way for wealth-building endeavors.


I've seen firsthand how expanding your network and embracing a positive mindset can lead to incredible outcomes. It's about believing in yourself and the limitless possibilities that lie ahead. Together, we can turn dreams into realities and create a future filled with financial abundance.



So, let's embark on this journey together – one filled with optimism, determination, and unwavering belief in our potential. Together, we'll unlock new opportunities and chart a course toward financial prosperity.

Here's to believing in ourselves and the incredible journey that lies ahead.


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What You Need to Know About Mortgages and Parental Leave

By Josh Perez • July 8, 2026
If the title of this article caught your attention, chances are your family is growing. Congratulations. If you’re thinking now is the right time to move into a home that better fits your growing family—but you’re unsure how parental leave affects your ability to qualify for a mortgage—you’re in the right place. Here’s the good news. Qualifying for a mortgage while on parental leave is possible when it’s done correctly. When you work with an independent mortgage professional, lenders can often qualify you based on your return-to-work income , as long as you can provide documentation confirming you have guaranteed employment waiting for you. A word of caution If you walk into a bank branch and disclose that you’re currently on parental leave, there’s a chance the bank will only allow you to qualify using your parental leave income. That can significantly reduce your borrowing power. Parental leave income is typically limited to 55% of your previous earnings, up to a weekly maximum. Qualifying on that amount alone can restrict your options and impact the type of home you can purchase. Why lender choice matters One of the biggest advantages of working with an independent mortgage professional is choice . You’re not limited to one lender’s rules or products. Some lenders will allow you to qualify using 100% of your confirmed return-to-work income , which can make a meaningful difference in your approval amount and overall options. What you’ll need to qualify Most lenders will require an employment letter that includes: Employer name (preferably on company letterhead) Your job title Original start date (to confirm probation has been completed) Confirmed return-to-work date Guaranteed salary upon return Lenders want reassurance that your income will resume once parental leave ends. You may also be asked to provide income history from the past couple of years, which is standard for most mortgage applications. One important note Whether or not you actually return to work after parental leave is entirely your decision. From a mortgage perspective, qualification is based on having a confirmed position available to you at the time of approval. If you have questions about qualifying for a mortgage while on parental leave—or anything mortgage-related—please connect anytime. I’d be happy to walk you through your options and help you plan with confidence.
Suburban two-story house with a front porch, two-car garage, and a large tree-lined lawn.

Gifted Down Payment in Ontario? Don't Skip This Step

By Josh Perz • July 7, 2026
Using a gifted down payment to buy a home in Ontario? Learn exactly what lenders require — and the common mistakes that can delay or derail your approval.