Real Stories In Real Estate podcast focuses on the challenges, success and yes, even the failures in real estate investing. With every failure comes lessons learned, which can push someone to success and greatness tomorrow. Join us as we chat with guests so you can learn from their experience on your way to building wealth through real estate.
We'll discuss many different types of real estate transactions such as aging in place, having a business in the home, and investment strategies such as using B lenders, buying during the bubbles, and buying your first home with a rental in it.
Denise will chat with industry experts on a variety of topics, to give you weekly, easily-consumable blasts of information to jump start your adventures in real estate - whether as an owner or an investor.
Refinancing Is NOT a Dirty Word
Feeling overwhelmed by credit card debt, lines of credit and monthly payments?
Denise Laframboise explains how mortgage refinancing may help homeowners consolidate higher-interest debt, improve cash flow and regain financial breathing room. Learn why timing, mortgage penalties and changing spending habits matter, and why refinancing isn't a sign of failure.
It's about understanding your options and creating a plan to move forward.
Key Takeaways
Refinancing isn't failure. It can be a strategic way to address debt and improve monthly cash flow.
Debt affects more than your finances. Financial pressure can create stress at work and tension at home.
Home equity may provide options. Refinancing can potentially consolidate higher-interest debt at a lower interest rate.
Consolidation alone isn't enough. Spending habits must change to avoid accumulating debt again.
Timing matters. Mortgage penalties, renewal dates and refinancing costs can affect whether the strategy makes financial sense.
Look at the whole picture. Income, equity, debts, payments and future goals all matter.
Plan ahead when circumstances change. Denise shares how she restructured her own home financing before transitioning to self-employment.
Take action instead of carrying the shame. Understanding your options is the first step toward a workable plan.
To get in touch with Denise:
Web: http://LaframboiseMortgage.ca (http://LaframboiseMortgage.ca)
Email: experts@laframboisemortgage.ca (mailto:experts@laframboisemortgage.ca)
Phone: 289-645-1568
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7 Oct 2026
Building Your Own Home EP 64 RSIRE
Thinking about building your own home? Jay White of East Pro Contracting Group shares what really happens when you take on a custom build, from finding the right property and navigating permits to construction financing, delays, rising costs and unexpected changes. Jay also reveals what he loves about his home, what he would do differently, and why having extra capital and a realistic timeline can make all the difference.
Keywords
building your own home, building a custom home, custom home construction, construction financing, construction loan, self-build home, building a house from scratch, home construction costs, custom home builder, construction management
To get in touch with Denise:
Web: http://LaframboiseMortgage.ca (http://laframboisemortgage.ca/)
Email: experts@laframboisemortgage.ca (mailto:experts@laframboisemortgage.ca)
Phone: 289-645-1568
14 Sept 2026
Why Being Self-Employed Is Actually a Super Power EP 063 RSIRE
Why Being Self-Employed Is Actually a Super Power EP 063 RSIRE
Being self-employed doesn’t have to make getting a mortgage harder. It can actually give you more options.
In this episode of Real Stories in Real Estate, Denise flips the script on one of the biggest misconceptions about self-employed borrowers: that being self-employed is automatically a mortgage liability
The reality? Self-employed borrowers have levers that salaried employees simply don’t have. How you pay yourself, how your business income is structured, what expenses you write off, and where certain expenses are held can all affect how a lender sees your income and your borrowing power.
Denise breaks down the difference between A and B lending, why business bank statements can sometimes tell a very different story than your tax return, the importance of protecting your credit, and why decisions made two or three years before you need a mortgage can dramatically change your options.
The biggest takeaway: don’t wait until you need a mortgage to start planning for one.
If you're self-employed, your mortgage strategy should be part of your business strategy.
Why self-employment can be a mortgage advantage
The difference between A lenders and B lenders
How write-offs can affect mortgage qualification
Using business bank statements to demonstrate income
Why planning two to three years ahead matters
Salary vs. dividends and how income structure can affect borrowing power
The importance of maintaining strong credit
How business expenses and vehicles can affect qualification
Questions to discuss with both your accountant and mortgage professional
Why the “cheapest mortgage” isn't always the cheapest overall financial strategy
To get in touch with Denise:
Web: http://LaframboiseMortgage.ca (http://LaframboiseMortgage.ca)
Email: experts@laframboisemortgage.ca (mailto:experts@laframboisemortgage.ca)
Phone: 289-645-1568
Keywords
#SelfEmployedMortgage #SelfEmployed #MortgageStrategy #MortgagePlanning #MortgageTips #MortgageBrokerOntario #OntarioMortgage #BusinessOwners #Entrepreneurs #MortgageQualification #RealEstateOntario #RealEstateInvesting #HomeBuyingTips #SelfEmployedFinancing #RealStoriesInRealEstate
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