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For any awards, carrying out fair, consistent, and accurate judging is key to ensuring the true winners are recognized. To deliver this, we have assembled a diverse and unbiased judging panel of experts. The judges are assigned categories which reflect their expertise and are asked to recuse themselves from voting in any category in which there is a conflict of interest.
All Judges are required to sign a non-disclosure agreement for the purpose of preventing the unauthorized disclosure of confidential information. This includes the sharing of the information contained within the submission forms with any third parties and communicating with shortlisted nominees in any way.
Community Advocate, Founder
Diversity Agency
Community Advocate, Founder
Diversity Agency
Andria Barrett is a Corporate Wellness Strategist, Anti-Black Racism Facilitator, Speaker & Small Business Advocate. She is a SheEO Activator, former member of Brampton Mayor’s COVID 19 Economic Support Task Force, an active investor supporting women entrepreneurs, and serve on the boards of the Culinary Tourism Alliance, Keep6ix and PACE (Project for the Advancement of Childhood Education).
In 2021 & 2022 Canadian SME named her as one of the Most Inspiring Women Entrepreneurs & Business Leaders and in 2022 she was awarded the Rotman Family Entrepreneur of the Year.
Executive Vice President, Government Affairs & Strategic Partnerships
Skills for Change
Executive Vice President, Government Affairs & Strategic Partnerships
Skills for Change
Christelle Francois is a bilingual executive leader and entrepreneur who has the pulse on the leaders of business, innovation and advocacy. She possesses extensive experience in finance and as a Strategy Consultant where she specialized in accelerating growth, developing revenue models and implementing solutions for various companies and organizations.
She is also the Founder of a firm named; Untold & Co Agency, where she and her team service an array of clients in securing corporate and government partnerships, curating digital strategies and executing 360 integrated PR campaigns. Her passion for civic engagement led her to assist in leading the 2019 and 2020 Lobby Day initiative with our current Prime Minister. In January of 2021, she was appointed as the President of the Canadian Black Chamber of Commerce, where she led the strategy to secure over $5M in funding in less than six months. Most recently, Christelle was appointed as the VP of Operations for F.A.C.E Coalition. Christelle is also passionate about her community and has volunteered and sat on the board of numerous organizations, such as Apathy is Boring and Head & Hands.
Executive Director
Mortgage and Title Insurance Industry Association of Canada
Executive Director
Mortgage and Title Insurance Industry Association of Canada
Ed Steel is the Executive Director of the Mortgage and Title Insurance Industry Association of Canada (MTIIAC). Since joining MTIIAC in 2018, he has been leading the association’s efforts to reduce barriers to responsible homeownership and help to ensure a fair, safe, and stable real estate marketplace.
Prior to joining MTIIAC, Ed served as Director of Policy to Ontario’s Minister of Government and Consumer Services. He previously held a variety of policy and communications roles throughout several Ministries of the Ontario Government, including Children and Youth Services, Citizenship and Immigration, and Labour.
Associate Professor, Strategy and Business Economics Division
University of British Columbia – Real Estate Division
Associate Professor, Strategy and Business Economics Division
University of British Columbia – Real Estate Division
Dr. Tsur Somerville is an associate professor and holder of the Real Estate Foundation Professorship in Real Estate Finance at the Sauder School of Business at UBC. He served for 15 years as the Director of the UBC Centre for Urban Economics and Real Estate, where he is now a Senior Fellow. His academic research includes work on housing market policies, housing supply, mortgage and real estate finance, and housing affordability. Dr. Somerville has worked with all levels of Canadian government on the effects of immigration, capital flows, money laundering, and government policies on housing affordability and housing supply. Dr. Somerville received his PhD in Economics from Harvard University and his BA in Economics and East Asian Studies from the Hebrew University.
Founder, The Lisa Patel Team 2020-2021 President
Toronto Regional Real Estate Board
Founder, The Lisa Patel Team 2020-2021 President
Toronto Regional Real Estate Board
A third-generation entrepreneur, brand specialist, sales rep, Lisa Patel is leaving a legacy of community and business building in the GTA and beyond.
From her childhood, Lisa had an entrepreneurial spark. Her parents created and ran a number of businesses including motels, hotels, department and convenience stores, restaurants, and more across Ontario—and Lisa followed in their footsteps. As a child, she began her own entrepreneurial ventures selling gift-wrap and bubble gum to her school friends and running a candy shop.
Lisa Patel is an award-winning Real Estate professional, entrepreneur, and social activist. Lisa founded the Lisa Patel Team (formerly known as The Property Princess Team). She and her team of experienced real estate staff work diligently to find families and businesses the perfect spaces to live and work. They focus on all aspects of real estate across the Greater Toronto Area including commercial, residential, leasing, land, and investments for over 13 years.
Lisa’s successful brand has been included by McGraw-Hill in an educational textbook and studied by students in business, business professionals and entrepreneurs. The Property Princess brand was recognized by Andris Pone, author of Attract: Power Up Your One-of-a-Kind Personal Brand for brand strength and consistency. The National Post featured Lisa Patel on “the Art of Networking”, In 2009, Ryerson University recognized Lisa as Top 30 Under 30 and named by Ryerson University as the “Art of Diversification”. Lisa Patel was also a former host for a television show with Rogers TV “A Greener Durham”.
Giving back to the community is an integral part of who Lisa is. She is the Immediate Past President, 2020-2021 President of TRREB and has served as a director of the Toronto Regional Real Estate Board (TRREB) for many years. Lisa has also worked with several groups including the CREA, Canadian Real Estate Association and OREA, Ontario Real Estate Association and has served many committees with both organizations over the years. Lisa, has also worked with the Canadian Youth and Business Foundation (now known as Futurpreneur Canada) for close to 15 years as a mentor and coach to assist young entrepreneurs meet their business goals. Lisa is also a mentor for University of Information and Technology assisting young leaders in their career endeavours and a Past Director of a Board of Trade. Over the past 15 years, Lisa volunteered with a numerous amount of community organizations.
Lisa has shared her knowledge and experience with many organizations, speaking on topics such as human connections, transformation, the Real Estate Market, Diversity and Inclusion, entrepreneurship, and women in business and real estate. She has spoken to a number of audiences including Home Depot Canada, Real Estate Boards around the world, Winspire, Boards of Trades, University of Toronto’s Women in Business group, Speakers Slam 2018, Royal LePage Signature on Success, WXN Women’s Executive Network, and Ryerson University.
Over the past 15 years, Lisa volunteered with a numerous amount of community organizations.
A promoter of lifelong learning, Lisa has a diverse background in education from Public Administration and Government, Public Relations, Project Management, Finance, Marketing & Communications, Leadership, Life Coaching, Metaphysical Teachings and Adult Education. She continues to use these skills sets today to offer her clients, community and her mentees the best of her wisdom.
https://lisapatelteam.com/
[email protected]
(416) 826-6446
Former Director, Real Estate Broker
Ontario Real Estate Association Royal LePage
Former Director, Real Estate Broker
Ontario Real Estate Association Royal LePage
Tom Lebour has been an active REALTOR since 1976 in Mississauga. Recipient of the Royal LePage Diamond Award, ranking him in the Top Tier 10% Nationally in 2022. Giving back to the profession by having served as the President of the Mississauga Real Estate Board in 2002 and of the Toronto Regional Real Estate Board in 2010. Also served as a Director at the Ontario Real Estate Association from 2010-2016.
Currently committed to raising the “Diversity, Equity and Inclusion” Awareness in the Real Estate Profession by chaIring the DEI Committee of the Mississauga Real Estate Board. Took part in OREA’s Presidential Advisory Group in the DEI study resulting in Fighting for Fair Housing Report. Lastly, on the Peel Police Chief Resource Centre, to ensure a more equitable lifestyle in the diverse community of Peel.
President, Real Estate and Mortgage Institute of Canada Inc. (REMIC), President
Association of Mortgage Investment Professionals (AMIPROS)
President, Real Estate and Mortgage Institute of Canada Inc. (REMIC), President
Association of Mortgage Investment Professionals (AMIPROS)
Joseph J. White is the founder and President of the Real Estate and Mortgage Institute of Canada (REMIC), and co-founder and President of Conversational Artificial Intelligence Technologies (CaiT).
Mr. White has been a staunch supporter of the mortgage industry since 1988. He began his career as a mortgage agent, and in the mortgage lending sector of the industry he has held positions as National Sales Manager and VP of Sales with two national mortgage lenders.
In the industry’s mortgage brokering sector he is a licensed mortgage broker and has been a partner at a successful mortgage brokerage, manager at two national brokerages, principal broker at a commercial brokerage, founder of a mortgage investment corporation, and is owner and principal broker of his own boutique brokerage.
As an educator, Mr. White has personally instructed over fifteen thousand students since 1996, many of whom are now leaders in the industry. During his 14 years at Seneca College he was a professor, program coordinator, subject matter expert and winner of the Excellence Award for exceptional leadership. In addition to having developed several courses for Seneca College, including the first mortgage broker education program in Ontario’s history, he designed the mortgage agent course currently used by REMIC and Ontario’s colleges. Mr. White has written two textbooks used in the mortgage industry and by over 20 Ontario colleges, with over thirty thousand copies in print, as well as several business focused books and e-books.
Mr. White has made significant contributions to the growth of the mortgage industry. When he began his career in teaching, 120 students per year were taking the mortgage agent course. Because of his passion and dedication to helping those who want to make mortgage brokering their career, REMIC has become the largest mortgage educator in Canada, teaching over 6,000 students per year.
As a thought leader, Mr. White is leading the development of AI, through hiCait.com, for use in assisting mortgage brokers to capture market share and expand mortgage brokerage’s influence in the mortgage market.
Marketing and Business Development Manager
Building Knowledge Canada
Marketing and Business Development Manager
Building Knowledge Canada
Since 2005, Stefanie has worked in the residential construction industry as the owner of a renovation contracting business. Her focus on design, building science and energy conservation principles has garnered her business many awards and recognitions, and has laid the foundation for her work at Building Knowledge Canada as Marketing and Business Development Manager. She has served on numerous industry councils and committees, was awarded the EnerQuality Corporation’s Leader of the Year award for 2019, and most recently served as President of the Canadian Home Builders’ Association for the 2019/2020 year. Stefanie is currently working on her Masters of Environment and Business degree and continuing her efforts in supporting builders and renovators in the residential construction industry by facilitating and delivering training and volunteering on leading edge industry committees.
Partner and Practice Lead, Daoust Vukovich LLP
Real Estate Development, Financing, Acquisitions & Dispositions
Partner and Practice Lead, Daoust Vukovich LLP
Real Estate Development, Financing, Acquisitions & Dispositions
Candace Cooper is a partner and the practice lead of the Daoust Vukovich LLP commercial real estate department. Considered one of the best law firms in Canada for commercial property, leasing and development, Daoust Vukovich LLP has a team of highly qualified lawyers and paralegals serving the specialized needs of clients who acquire, develop and use commercial real estate. Candace’s practice encompasses all areas of commercial real estate law, including acquisitions, dispositions, financing and development of land involving commercial, retail and industrial properties. Her clients are diverse, and include entrepreneurial and institutional land developers, construction companies, commercial landlords, property managers, space users and commercial tenants.
Candace is a frequent speaker at industry conferences and seminars including the Law Society of Ontario, the Land and Development Conference, the Canadian Apartment Investment Conference, and the International Council of Shopping Centres Law Conference.
President
Black Business Professional Association (BBPA)
President
Black Business Professional Association (BBPA)
Ross Cadastre is the founder and CEO of Innovative Talent Solutions Inc. a leading talent company with two distinct brands ITS Global & Kontingence Recruitment, which address recruitment challenges for organizations throughout Canada. His passion is people, their elevation, their development, and ultimately helping people find their true purpose and power.
He also founded Lyenn Dous — a near-shore Knowledge Process Outsourcing operation located in Saint Lucia, providing back-office services to North American technology start-ups and high growth companies.
Ross is a known champion of the advancement of the work of under-represented people. His establishment of www.bipocjobs.ca, the leading job board for BIPOC talent across North America, has provided BIPOC professionals with the avenue necessary to break barriers in their various fields.
A believer in building generational wealth within the black community, Ross serves as the President of the Black Business Professional Association (BBPA), an organization that addresses equity and builds programming to support black-owned businesses across Canada.
Ross’s impact on the business community has earned him many awards and recognition from both a corporate and community work perspective. In 2017, Ross was recognized at the Black Business Awards and inducted into the Black Canadian. In 2020 he was recognised as one of Canada’s Top 100 Professionals and then accepted as a member of the prestigious Forbes Business Council in 2022, the foremost growth and networking organization for successful business owners and leaders worldwide.
His hard work and dedication to social responsibility and the upliftment of black owned businesses and entrepreneurs has earned him a spot as a “Top Staffing Leader” to watch in 2023. His role as President of the Canada Black Business and Professional Association (BBPA) puts him in a unique position to directly influence and create opportunities for growth and development not only for business owners and entrepreneurs in his community but across Canada by extension.
As a nominee for Canada’s Black Entrepreneur of the Year, Ross remains commitment to his mission of being the voice of underrepresented, black businesses and aspiring entrepreneurs across Canada looking for equal access to resources and opportunities.
As he journeys on his quest to develop the next generation of black professionals, Ross continues to positively influence the world of recruitment by imparting knowledge at every opportunity.
SR VP of Mortgage Operations
MCF Mortgage Investment Corp
SR VP of Mortgage Operations
MCF Mortgage Investment Corp
Chad Mooney is the SR VP of Mortgage Operations at MCF Mortgage Investment Corp. Mr. Mooney’s career in the mortgage industry began in 2006 when he co-founded a successful mortgage brokerage firm. It grew rapidly and became one of the preeminent brokerages in the industry. After working closely with MCF as one of their primary lenders, Mr. Mooney made the transition to the lending side of the business in 2012, joining MCF as their Business Development Manager. His considerable experience and passion for private mortgages has helped MCF to become a household name in the industry today. Mr. Mooney currently sits on the Board of Directors for the Canadian Mortgage Brokers Association (CMBA) and is an active volunteer in his community.
Marketing and Business Development Manager
Building Knowledge Canada
Marketing and Business Development Manager
Building Knowledge Canada
Since 2005, Stefanie has worked in the residential construction industry as the owner of a renovation contracting business. Her focus on design, building science and energy conservation principles has garnered her business many awards and recognitions, and has laid the foundation for her work at Building Knowledge Canada as Marketing and Business Development Manager. She has served on numerous industry councils and committees, was awarded the EnerQuality Corporation’s Leader of the Year award for 2019, and most recently served as President of the Canadian Home Builders’ Association for the 2019/2020 year. Stefanie is currently working on her Masters of Environment and Business degree and continuing her efforts in supporting builders and renovators in the residential construction industry by facilitating and delivering training and volunteering on leading edge industry committees.
Executive Vice President, Government Affairs & Strategic Partnerships
Skills for Change
Executive Vice President, Government Affairs & Strategic Partnerships
Skills for Change
Christelle Francois is a bilingual executive leader and entrepreneur who has the pulse on the leaders of business, innovation and advocacy. She possesses extensive experience in finance and as a Strategy Consultant where she specialized in accelerating growth, developing revenue models and implementing solutions for various companies and organizations.
She is also the Founder of a firm named; Untold & Co Agency, where she and her team service an array of clients in securing corporate and government partnerships, curating digital strategies and executing 360 integrated PR campaigns. Her passion for civic engagement led her to assist in leading the 2019 and 2020 Lobby Day initiative with our current Prime Minister. In January of 2021, she was appointed as the President of the Canadian Black Chamber of Commerce, where she led the strategy to secure over $5M in funding in less than six months. Most recently, Christelle was appointed as the VP of Operations for F.A.C.E Coalition. Christelle is also passionate about her community and has volunteered and sat on the board of numerous organizations, such as Apathy is Boring and Head & Hands.
Partner
Stikeman Elliott LLP
Partner
Stikeman Elliott LLP
Catherine Grygar is a partner with Stikeman Elliott’s Commercial Real Estate Group in Calgary. Over the course of her 10-year career at Stikeman Elliott, Catherine has advised on many of the most innovative and complex real estate developments and transactions across Western Canada. She consistently demonstrates a strong knowledge base when advising on acquisitions, dispositions, commercial leasing matters, development projects including mixed-use developments and strata-space subdivisions, real estate financings, and environmental issues relating to contaminated sites. Catherine has an unwavering commitment to giving back to the community. In addition to her role as a leader with Stikeman Elliott’s corporate citizenship efforts and diversity, inclusion and equality initiatives for many years, she acts as a panel judge for the annual Business in Calgary Leaders Awards, is past co-chair of the membership committee of the Calgary Chapter of CREW Network, and is a member of the Legal Advisory Committee of HomeSpace Society, an organization which provides safe, appropriate and affordable housing for vulnerable Calgarians.
Recently, Catherine was named a finalist for the 2021 Lexpert Rising Stars Awards.
Associate Dean, Faculty & Academic, Associate Professor, Real Estate Management
Ted Rogers School of Business Management at Ryerson University
Associate Dean, Faculty & Academic, Associate Professor, Real Estate Management
Ted Rogers School of Business Management at Ryerson University
Dr. Cynthia Holmes is the Associate Dean, Faculty and Academic, at the Ted Rogers School of Management at Ryerson University, responsible for the curriculum and academic quality for the 12,000 students in the undergraduate program. She is the founding Chair of the Real Estate Management Department at the school and teaches real estate management courses at the undergraduate and master’s level. Her research area is real estate finance and housing economics. Her work has been published in leading academic journals and she has consulted with government and other organizations on issues related to residential and commercial mortgages. She has a BSc in Mathematics and Computer Science from McGill University, an MBA with a specialization in Finance from Concordia University, and a PhD in Urban Land Economics from the University of British Columbia. Prior to joining Ryerson, she held academic positions at the Schulich School of Business at York University and at Florida State University. She has ten years of industry experience with Standard Life Assurance Company, including several years in the Mortgage Investment department. Dr. Holmes holds the Institute of Corporate Directors designation and is a member of the Board of Management of the Toronto Zoo. She has performed a wide set of media appearances and speaking engagements as a Canadian housing market expert.
Chief Operating Officer
Civida
Chief Operating Officer
Civida
Mark joined Civida (then Capital Region Housing) in 2015. He has a bachelor’s degree in economics from the University of Alberta and an MBA from Royal Roads University. Currently, Mark serves as the president of the Executive Committee for the Alberta Public Housing Administrators Association (APHAA). Mark has also achieved his Chartered Designation from the Chartered Institute of Housing Canada. In 2016 Mark was named one of Edmonton’s Top 40 Under 40 by Avenue Magazine. Mark is the recipient of the Queen’s Diamond Jubilee Medal in 2012 and was awarded IPAC’s New Public Servant Award of Excellence in 2011.
Former Director, Real Estate Broker
Ontario Real Estate Association Royal LePage
Former Director, Real Estate Broker
Ontario Real Estate Association Royal LePage
Tom Lebour has been an active REALTOR since 1976 in Mississauga. Recipient of the Royal LePage Diamond Award, ranking him in the Top Tier 10% Nationally in 2022. Giving back to the profession by having served as the President of the Mississauga Real Estate Board in 2002 and of the Toronto Regional Real Estate Board in 2010. Also served as a Director at the Ontario Real Estate Association from 2010-2016.
Currently committed to raising the “Diversity, Equity and Inclusion” Awareness in the Real Estate Profession by chaIring the DEI Committee of the Mississauga Real Estate Board. Took part in OREA’s Presidential Advisory Group in the DEI study resulting in Fighting for Fair Housing Report. Lastly, on the Peel Police Chief Resource Centre, to ensure a more equitable lifestyle in the diverse community of Peel.
President, City Choices Consulting Retired Co-Director
Planning City of Vancouver
President, City Choices Consulting Retired Co-Director
Planning City of Vancouver
Ann McAfee has a Doctorate in City Planning and Urban Land Economics from the University of British Columbia. From 1974-2006 she was Vancouver’s Housing Planner and Co-Director of Planning. In 2006 she established City Choices Consulting to mentor cities on strategic planning. She is a member of Canada’s National Housing Council.
Dr. McAfee has taught courses on housing and land economics. As an Adjunct Professor, she currently teaches strategic planning at UBC. Ann has written on housing markets, financing growth, governance, and recently on COVID recovery.
A Fellow of the Canadian Institute of Planners, Ann has been recognized by the International Honorary Land Economics Society LAI, Urban Development Institute, MIT, and the Canadian Housing Design Council for her contributions to cities.
Founder, The Lisa Patel Team 2020-2021 President
Toronto Regional Real Estate Board
Founder, The Lisa Patel Team 2020-2021 President
Toronto Regional Real Estate Board
A third-generation entrepreneur, brand specialist, sales rep, Lisa Patel is leaving a legacy of community and business building in the GTA and beyond.
From her childhood, Lisa had an entrepreneurial spark. Her parents created and ran a number of businesses including motels, hotels, department and convenience stores, restaurants, and more across Ontario—and Lisa followed in their footsteps. As a child, she began her own entrepreneurial ventures selling gift-wrap and bubble gum to her school friends and running a candy shop.
Lisa Patel is an award-winning Real Estate professional, entrepreneur, and social activist. Lisa founded the Lisa Patel Team (formerly known as The Property Princess Team). She and her team of experienced real estate staff work diligently to find families and businesses the perfect spaces to live and work. They focus on all aspects of real estate across the Greater Toronto Area including commercial, residential, leasing, land, and investments for over 13 years.
Lisa’s successful brand has been included by McGraw-Hill in an educational textbook and studied by students in business, business professionals and entrepreneurs. The Property Princess brand was recognized by Andris Pone, author of Attract: Power Up Your One-of-a-Kind Personal Brand for brand strength and consistency. The National Post featured Lisa Patel on “the Art of Networking”, In 2009, Ryerson University recognized Lisa as Top 30 Under 30 and named by Ryerson University as the “Art of Diversification”. Lisa Patel was also a former host for a television show with Rogers TV “A Greener Durham”.
Giving back to the community is an integral part of who Lisa is. She is the Immediate Past President, 2020-2021 President of TRREB and has served as a director of the Toronto Regional Real Estate Board (TRREB) for many years. Lisa has also worked with several groups including the CREA, Canadian Real Estate Association and OREA, Ontario Real Estate Association and has served many committees with both organizations over the years. Lisa, has also worked with the Canadian Youth and Business Foundation (now known as Futurpreneur Canada) for close to 15 years as a mentor and coach to assist young entrepreneurs meet their business goals. Lisa is also a mentor for University of Information and Technology assisting young leaders in their career endeavours and a Past Director of a Board of Trade. Over the past 15 years, Lisa volunteered with a numerous amount of community organizations.
Lisa has shared her knowledge and experience with many organizations, speaking on topics such as human connections, transformation, the Real Estate Market, Diversity and Inclusion, entrepreneurship, and women in business and real estate. She has spoken to a number of audiences including Home Depot Canada, Real Estate Boards around the world, Winspire, Boards of Trades, University of Toronto’s Women in Business group, Speakers Slam 2018, Royal LePage Signature on Success, WXN Women’s Executive Network, and Ryerson University.
Over the past 15 years, Lisa volunteered with a numerous amount of community organizations.
A promoter of lifelong learning, Lisa has a diverse background in education from Public Administration and Government, Public Relations, Project Management, Finance, Marketing & Communications, Leadership, Life Coaching, Metaphysical Teachings and Adult Education. She continues to use these skills sets today to offer her clients, community and her mentees the best of her wisdom.
https://lisapatelteam.com/
[email protected]
(416) 826-6446
Assistant Professor
Real Estate Management at Ryerson University
Assistant Professor
Real Estate Management at Ryerson University
Dr. Youngme Seo is the Assistant Professor in the Ted Rogers School of Management at Ryerson University. Before joining Ryerson, she worked for major mortgage banks, including JP Morgan Chase and Citi Bank, and the Federal Reserve Bank of Cleveland. Her research interests lie in mortgage default, real estate finance, urban housing economics, and sustainability in real estate. Her research questions stem from academic curiosity and her practical experience in reaching out to homeowners, residents, and communities. In particular, her industry experience with major mortgage banks allows her to gain and deepen her knowledge of how to define practical real estate problems, obtain relevant data, and analyze them. She has published about 15 scholarly works in various real estate-related journals.
Executive Director
Mortgage and Title Insurance Industry Association of Canada
Executive Director
Mortgage and Title Insurance Industry Association of Canada
Ed Steel is the Executive Director of the Mortgage and Title Insurance Industry Association of Canada (MTIIAC). Since joining MTIIAC in 2018, he has been leading the association’s efforts to reduce barriers to responsible homeownership and help to ensure a fair, safe, and stable real estate marketplace.
Prior to joining MTIIAC, Ed served as Director of Policy to Ontario’s Minister of Government and Consumer Services. He previously held a variety of policy and communications roles throughout several Ministries of the Ontario Government, including Children and Youth Services, Citizenship and Immigration, and Labour.
President, Real Estate and Mortgage Institute of Canada Inc. (REMIC), President
Association of Mortgage Investment Professionals (AMIPROS)
President, Real Estate and Mortgage Institute of Canada Inc. (REMIC), President
Association of Mortgage Investment Professionals (AMIPROS)
Joseph J. White is the founder and President of the Real Estate and Mortgage Institute of Canada (REMIC), and co-founder and President of Conversational Artificial Intelligence Technologies (CaiT).
Mr. White has been a staunch supporter of the mortgage industry since 1988. He began his career as a mortgage agent, and in the mortgage lending sector of the industry he has held positions as National Sales Manager and VP of Sales with two national mortgage lenders.
In the industry’s mortgage brokering sector he is a licensed mortgage broker and has been a partner at a successful mortgage brokerage, manager at two national brokerages, principal broker at a commercial brokerage, founder of a mortgage investment corporation, and is owner and principal broker of his own boutique brokerage.
As an educator, Mr. White has personally instructed over fifteen thousand students since 1996, many of whom are now leaders in the industry. During his 14 years at Seneca College he was a professor, program coordinator, subject matter expert and winner of the Excellence Award for exceptional leadership. In addition to having developed several courses for Seneca College, including the first mortgage broker education program in Ontario’s history, he designed the mortgage agent course currently used by REMIC and Ontario’s colleges. Mr. White has written two textbooks used in the mortgage industry and by over 20 Ontario colleges, with over thirty thousand copies in print, as well as several business focused books and e-books.
Mr. White has made significant contributions to the growth of the mortgage industry. When he began his career in teaching, 120 students per year were taking the mortgage agent course. Because of his passion and dedication to helping those who want to make mortgage brokering their career, REMIC has become the largest mortgage educator in Canada, teaching over 6,000 students per year.
As a thought leader, Mr. White is leading the development of AI, through hiCait.com, for use in assisting mortgage brokers to capture market share and expand mortgage brokerage’s influence in the mortgage market.
Founder/CEO/Best-Selling Author
Kathleen Black Coaching & Consulting Inc.
Founder/CEO/Best-Selling Author
Kathleen Black Coaching & Consulting Inc.
Kathleen Black is North America’s leading real estate team coach and trainer, delivering her proven success techniques to agents and teams around the world. That growth is worth billions in additional sales volume annually across her client network with 80% of her clients being national top 1% producers. Kathleen, the best selling author of “The Top 1% Life”, will help you to expand your business, at a fraction of the time and cost, using the tried, tested, and true “KBCC Ultimate Expansion Strategy” that has powered her client growth.
The success of KBCC centers around integrity, honesty, and results-driven measures, the very things that represent Kathleen. Kathleen has been named twice as Top Elite Women Driving the Future of Real Estate by REP Magazine and as Top 20 Emerging Leaders by T3 Sixty’s Swanepoel Report. She was recognized within the top 1% of Realtors in the Toronto Real Estate Board, has ten plus years of agent development experience, and hundreds of teams attribute their growth and success to Kathleen’s leadership. Most recently, Kathleen was awarded with the Iconic Leaders Creating a Better World for All Award. This award is based on experience, results, influence, and commitment to change the world for the better of all internationally.
Kathleen is also the driving-force behind the Ultimate Team Summit, the largest team specific Real Estate summit in North America and the Ultimate Mastermind Series of events, including the 100 Deal + Ultimate Mastermind.
Kathleen lives in Oshawa, Ontario, Canada with her two free spirited, independent, and very loved children Ethan and Ella, and their cats Ethel and Willow.
Senior Advisor, BC Notaries Association Program Director
BC Notaries Captive Insurance Company
Senior Advisor, BC Notaries Association Program Director
BC Notaries Captive Insurance Company
G. W. Wayne Braid is the former CEO/Secretary of The Society of Notaries Public of British Columbia, having served in that position for over 17 years, a professional self-governing organization whose members provide noncontentious legal services to the people of BC. He is Executive Officer of The Notary Foundation of BC and CEO and Managing Director of the BC Notaries Captive Insurance Co.
He ran successful Autoplan and general insurance agencies in Terrace,Kitimat and Stewart and was Chair of the Northern Insurance Brokers Association for many years and on the Board of the Insurance Brokers of British Columbia.
Senator in Jaycees and Paul Harris Fellow in Rotary are among his many community awards. He was also Coroner, Director of the BC Winter Games and Northern BC Winter Games, and an Elected school trustee.
Wayne opened his Notary practice in Terrace in 1986.
He is a firm believer in higher education. Under his direction the Master of Arts in Applied Legal Studies (MA ALS) postgraduate program was established at SFU in 2008 as part of the education necessary to qualify as a BC Notary.
Wayne has a keen interest in technology and the electronic provision of legal services. ProSuite—The Society’s successful legal services software—was created through his vision. A member of the Electronic Filing System Committee of the Land Title Office since the Committee’s inception in 2001, he also serves on a national committee of public and private sector organizations that provides guidance and direction to the federal government on money-laundering and terrorist-financing issues.
He oversaw The Society’s in-house legal counsel and the retention and management of the outside legal counsel. His work was in-depth, demanding, and very rewarding.
His daily challenge as CEO was to deal with priorities. It was Wayne’s responsibility to see that the membership of The Society complied with its stringent Rules and Code of Ethics. His duties included managing The Society’s Professional Liability Program and investigating complaints. He also directed the BC Notaries’ Errors and Omissions insurance program, the over $14 million in the self-insurance fund, and any claims presented annually.
In his current role as Executive Director of the BC Notaries Insurance Corporation, Wayne arranges access to various re-insurance plans and manages three different excess insurers and the Special Fund of $3 million, set by statute and supported by the negotiation and placement of excess crime/fidelity insurance that provides up to $23 million coverage for every BC Notary.
For just over 20 years Wayne was also the Executive Officer of The Notary Foundation of BC, an organization funded by the interest earned on BC Notaries’ trust accounts. Through his leadership, The Foundation has broadened the scope and delivery of its funding to legal support groups and public legal education, including grants for students, not-for-profit organizations, and law libraries around the province.
He has worked closely with provincial ministries and local government departments, financial institutions, and professional organizations such as the Law Society of BC, the Law Foundation of BC, the LTSA, the Real Estate Institute of BC, and the Real Estate Foundation of BC.
In his role as the inaugural Secretary of the World Organisation of Notaries, Wayne has the opportunity to meet with Notaries from all over the world. W.O.N. is a British Columbia initiative that enables properly qualified Common Law Notary organizations and individuals to promote their professional and business interests domestically and internationally.
Wayne is married to Laurie. Together they have 6 children and 14 grandchildren. In his spare time, he enjoys spending time with his family, playing golf, riding his motorcycle, and adventure travel.
Marketing and Business Development Manager
Building Knowledge Canada
Marketing and Business Development Manager
Building Knowledge Canada
Since 2005, Stefanie has worked in the residential construction industry as the owner of a renovation contracting business. Her focus on design, building science and energy conservation principles has garnered her business many awards and recognitions, and has laid the foundation for her work at Building Knowledge Canada as Marketing and Business Development Manager. She has served on numerous industry councils and committees, was awarded the EnerQuality Corporation’s Leader of the Year award for 2019, and most recently served as President of the Canadian Home Builders’ Association for the 2019/2020 year. Stefanie is currently working on her Masters of Environment and Business degree and continuing her efforts in supporting builders and renovators in the residential construction industry by facilitating and delivering training and volunteering on leading edge industry committees.
CEO
Capital Region Housing Corporation
CEO
Capital Region Housing Corporation
Greg is CEO of Capital Region Housing Corporation (CRHC) located in Edmonton, AB. CRHC operates 4600 publicly owned homes and 690 corporation owned homes throughout the capital region of Edmonton. It also administers 2700 rent subsidies serving just over 8000 families. He is leading a team that serves 400 customers daily.
CRHC has $1B of assets under management and is currently development $150MM in new multi-family with an additional $430MM in planning. It was one of the first in the non-market housing sector to avail of the bond market to finance debt on a new development.
Greg is a Chartered Member and Chair of Chartered Institute of Housing Canada along with being Past President of Alberta Public Housing Administrators Association. He is a member of the Provincial Minister’s Housing Advisory Committee and sits on numerous other boards and committees. He holds a Bachelor of Theology and Master of Business Administration along with an ICD.D designation from the Institute of Corporate Directors-Rotman School of Management.
He regularly shares the experiences of CHRC in the areas of development, partnerships, shared services, information technology, innovation, customer service and governance.
VP, Real Estate and General Counsel
The Canadian Real Estate Association
VP, Real Estate and General Counsel
The Canadian Real Estate Association
A lawyer by trade, Pénéla also holds a certificate in business management and is a certified executive coach. After practising law in Montréal, she held a variety of positions within federal cabinets. Pénéla actively participated in numerous nomination campaigns as well as federal and provincial election campaigns for ministers and prime ministers. She has worked in the business community for a decade, specializing in regulatory, governmental and public affairs. Pénéla has also served on a few boards of directors.
As Chief Executive Officer of the Fédération des chambres immobilières du Québec, Pénéla has acquired in‑depth knowledge of the real estate brokerage and associations sectors. A strong believer in the important socio-economic influence of REALTORS®, she is delighted to be able to continue to serve them and the real estate Boards and Associations across Canada.
In her spare time, Pénéla is involved in sports, cheers on her sons’ sports teams and enjoys spending time with family and friends.
Senior Partner
Hendrix Law
Senior Partner
Hendrix Law
I was born in Calgary, Alberta
I graduated from St. Francis High School in 1984 and received my Bachelor of Education Degree at the University of Calgary in 1988.
I received my Bachelor of Laws Degree at the University of Calgary in 1991 and was admitted to the Law Society of Alberta in 1992.
I completed my articles with the law firm of Davidson & Williams in Leth bridge, Alberta and joined the firm as an associate lawyer there after. I articled under the Honourable Justice R. Jerke. In 1993, I returned to Calgary and joined the firm of Fleming Kambeitz where I practised until 1996. I joined the firm of Vickers & Associates as an associate in 1996. I became a partner of the firm in 2009 and asaresult the firm name changed to Vickers Hendrix LLP in 2009. The firm became Hendrix Lawin 2014.
Over the years, I have established various scholarships for the development of junior high and highschool students to honour life balance, athletic and academic achievement in Calgary, Alberta.
I am the past chair of the South Alberta Canadian Bar Association Foreclosure Subsection and I have been a member of the Executive of the Subsection for the past 20 years. There are few other members of the subsection that has participated more directly and actively with the Foreclosure Subsection and Executive than I have over the past 20 years.
I am Admitted to and am in Good Standing with the following Law Societies:
Alberta – July 24, 1991
Northwest Territories – January 16, 2012
Nunavut – November 2, 2012
Yukon – May 14, 2019
Contribution to the Court:
I have always tried to lead in seeking improvements in the legal system and the practise of foreclosure law, I am and have been active in the development of the foreclosure practise in Alberta and have worked with the Alberta Bar and closely with the Masters in Chamberson the development of precedents, fee guidelines, practise and procedures for foreclosure lawyers over the past 20 years.I have actively contributed,on a solution based orientation, with our formal Foreclosure Subsection meetings with the South Alberta Masters in Chambers.
Recently, and after 20 years, we achieved a huge leap towards consistency and efficiency with the court clerks in having an approved fee and disbursement tariff in place. This started with a meeting with myself, Master Waller, Master Alberstat, JoeMorin, Angie Renkeland a few other foreclosure lawyers back in 1998. Together with Cass Lintott, in the past few years, we have spent hundreds of hours working together with the Masters in Chambersto establish fair, equitable and best practises with respect to fee consistency and expectations on taxed foreclosure files resultingin as ustainable indexed guideline that was produced in 2017. This has served the public in terest as well, in having a concrete expectation of reasonable fees that should be incurred in a fore closure setting.
I have worked directly with Master Prowse on establishing the foreclosure precedent forms that are now available on the Queen’s Bench web site and have engaged with the all of the Masters directly on continuing to improve and adjust those precedent forms as the ever changing land scaping of lending and real estate continues to evolve.
I have been privileged to attend before the court to make submissions and reference son relevant areas of lawfor the foreclosure CBA subsection. Any time that there has been an issue to be resolved by way of Court application, I have always volunteered to make the application for the courtre ference or judgment that assists the practise.
Contribution to the Legal Profession:
I pride myself on being a mentor and a teacher within the industry. I am registered as a Mentor with the Law Society of Alberta in the areas of Foreclosure Law and Real Estate. I assist lawyers on a weekly basis with questions they may have in relation to foreclosure practises and procedures. I have always been available to provide guidance on processes to follow and precedents to use to fellow members of the bar. I have always been quick to lend a hand, or a precedentor advice and direction on practise and procedures to members of the bard. I have assisted junior lawyers at fellow firms on a regular basis when their senior members are away from the office or on holidays and take pride in making myself available for this service.
I have helped numerous lending organizations develop mortgage terms, forms, requirements and standard mortgage terms. I have prepared standard mortgage terms and standard mortgage form which are currently being used across Alberta for such lenders as CIBC, Home Trust, Bridge water Bank, Resmor Bank, Haventree Bank, Home Bank, Capital Direct Lending Corp., Aaron Acceptance, Alpine Credits, AltaWest Mortgage Capital Corp., hundreds of private lenders and Mortgage Investment Corporations.
We have also assisted our clients in development of practise requirements for under writing, review of funding requests and instructing default processes. We have prepared and provided foreclosure step summaries to new lenders and institutions as well as checklists on fundings and mortgage enforcement. I regularly provide all of our clients with email updates on mortgage lending and enforcement practises. I have reviewed and provided input to all of our clients on the updates to the practise, including but not limited to:
mortgage renewals and changes to the Fair Trading Act(now the Consumer Protection Act) and reviewed their renewal forms and procedures to ensure compliance with the legislation;
collateral mortgages and re-advanceable mortgages in consideration of Section 104 of the Land Titles Act;
the decision of the Supreme Court of Canada on implied consent so as not to violate privacy laws;
condominium corporations priorities to registered mortgages based upon their by laws;
enforce ability of Notices of Security Interests in priority to or for payout from Mortgagees;
updated on appropriate deletions to ongoing real estate list ingagreements and real estate purchase contracts for in foreclosure and post foreclosure sales;
mistaken discharges of mortgages and remedies resulting from that circumstance;
failure of lawyers and title insurers to register mortgages on parkings talls and other encumbrances;
release of the personal covenant and the effects of Bankruptcy;
the ability to collect for damages to a property on possession;
the impact of the Limitations Act on mortgage enforcement and how that applies when you area mortgagee and another mortgagee on title is foreclosing, and;
he impact of residency on “in foreclosure” third party sales.
Hendrix Law has also built their own internal copy written and trademarked foreclosure administration program that our clients can login to and see at a moment the status of any one of their files, the parties to the action, any interested parties, the documents associated with that file, all communications, what steps have been taken on the file and when the next steps are to take place. This program also assists us in using a team approach to the handling of foreclosures so that any paralegal can work on a file and be familiar with that because they are all coded and organized in the same fashion. This program assists me in firm management as I can assign tasks to my staff, or re-assign tasks when staff are away, at a click of abutton. This program creates our merge field codes for our document production which ensures that all our information is accurate and consistent throughout the file. With any phone call or email, I can have the complete file information available instantly to me. The program ensures that every step is taken when due and that next steps are assigned concurrently so the matter continues to proceed effectively and efficiently. Our files can be cloned for repeat defendants which also stream lines our process. The program and our system s meet all of the National Banks extensive security requirements.
We have worked extensively on the FCT Collect link Default Solutions platform, the National Recovery System and the Prospect platform which are all on line programs which assist lenders inthe monitoring of foreclosure actions and communication on foreclosure files.
Recently, wehave been accepted by the Alberta Lawyers Indemnity Association to provide defence counsel and repair work.
Contribution to the Administration of Justice:
A Foreclosure practise can be difficult. You are removing people from their homes. While our process is efficient we always discharge our dutiest oour clients fairly and honourably. We are respectful and courtesy to all borrowers, no matter their circumstances. I have always maintained my dignity, decorum and courtesy to all other counsel and self represented litigants in and outside the court room. I am consistent in sharing all information obtained from self represented litigants with the court, so that the court can make in formed decisions,even when the defendants do not appears in Chambers.
It is rare that foreclosure defendants have legal counsel. I ensure that I advise any self represented defendants that I am acting for a party adverse in interest to them, and there fore can not provide them with legal advice. However, I alwaysensure thattheforeclosureprocessisexplained to them, andrecommend thatthey either obtainindependentlegaladvice, or contacttheLawyer ReferralProgramfor the opportunity to speak to counsel regarding the foreclosure process and procedures.
As everyone does, our office does provide free legal services, to clients on a regular basis. This is usually 2 or 3 times a month, since I have joined the firm and become a partner at the firm. Sometimes it is a lot more. These usually relate to Wills and Estate matters, Real Estate matters, monitoring prior or subsequent foreclosure files for Lenders, landlord/tenant disputes and general litigation files. These pro-bono services have ranged in fees waived of from $1,000.00 – $50,000.00 per file.
We also regularly consider reductions or waivers of our legal fees on foreclosure matters if it would accomplish a borrower being able to redeem a mortgage or where the borrowers circumstances are particularly heart breaking in terms of illness or deaths in the family. While I do this regularly, I also give each of my staff the opportunity to choose files where we make special concessions on our legal fees or outside payment arrangement of our legal fees(with the consent of our clients always) with the borrowers as a consideration of their personal circumstances.
With the inclusion of the Amicus program at the Court House, on those rare occasions where defendants appear on foreclosure matters, we ensure our applications are stood down to provide the defendant(s) with the opportunities to speak to Amicus counsel before our matters are heard.
I provide free advice daily to our various clients on mortgage fundings and foreclosures to help them with their practices and procedures. I give them step by step solutions on inquiries they don’t know what to deal with, or unusual files they want direction on, or even request for funds that they feel are suspicious. I review outstanding charges on titles for priority issues and recommendations. We have formulated standard mortgage terms, standard mortgage forms and supporting mortgage documents for our clients and consistently work with them to update those documents as practise and procedures change. My motto in that regard has always been that the more we all know, the better we all do!
As I have a Bachelor of Education as my first degree, my most effective way of giving back to the community and my greatest passion relates to being able to provide Educational services to members of the bar and to the public.
My Contributions to the Community by teaching, lecturing, providing presentations or written articles/materials have been with:
Mount Royal University – portions of the Alberta Mortgage Brokerage Course for over 10 years.
St. Vincent D’Paul Junior High – career days
Alberta Mortgage Brokers Association yearly, for over 20 years at various conferences and education day seminars.
AMBA matters publications.
Calgary Herald article on Foreclosures
Calgary Real Estate Counsel jointly with Alberta Mortgage Brokers Association – panel on real estate transactions 2018
Alberta Real Estate Association webinar on foreclosures 2017
Twice yearly, taught the CPLED Course for approximately 10 years teaching about real estate when it was part of the Bar Admission course and then on career days about a realestate practise.
Legal Education Society of Alberta
Taught and Chaired “Civil Enforcement Fundamentals” – 2019
Taught and Chaired “Foreclosure Fundamentals” – 2017
Faculty, Presented with JimReich – “Foreclosures” at the 45th Annual Refresher Court on Real Estate – 2012
Taught and Chaired “Introduction to Foreclosures for Paralegals” – 2009
University of Calgary, Faculty of Law- moot court judge
Canadian Bar Association – numerous Foreclosure luncheons
Alberta Foreclosure Stoppers – various blogs on foreclosure process.
Appraisal Institute of Canada – Calgary Chapter
Mortgage Alliance, Mortgage Professionals and Invis.
CIBC Bank, Home Trust, Equitable Bank, National Bank, AltaWest Capital Corporation, Calvert Home Mortgages, various mortgage brokerages and real estate agencies in Calgary
Some of the many ways I have encouraged public respect for the legal community and public confidence in my abilities is through my affiliations with:
The Appraisal Institute of Canada
The Alberta Mortgage Brokers Association
won the 2017 Partner Award and
a member of the Board of Directors for 2019 and 2020
Mortgage Professionals Canada
First Canadian Title Insurance- member of their Legal Advisory Counsel in Alberta
Alta WestMortgage Corporation -member of their Legal Advisory Counsel in Alberta
Kirpal Dhinsa Scholarship Committee, Calgary
Canadian Bar Association
Member of the Foreclosure Subsection Executive approximately 20 years
Previous repeated Chair and Co-Chair of the Foreclosure Subsection
Calgary Bar Association
Divorce Angels
Stnce
Allignable – Small Business Network
Calgary Chamber of Commerce
Ocato.ca
Member of the Calgary Winter Club
Member of the Silver Springs Golf Club
Mortgage Lenders Association of Alberta
Private Mortgage Lenders Forum Alberta
Lunch and Learns with Real Estate agencies, Mortgage Brokerages and banks.
Powerpoint presentations on foreclosure and real estate updates to private lenders, mortgage investment corporations, trust companies and National Banks. I usually try to do this twice a year with all of my clients.
I have also actively Sponsored the following Charities or Other Events:
Calgary Catholic Education Foundation
Canadian Red Cross
The Heart & Stroke Foundation
CIBC Run for the Cure
CIBC Golf for Breast Cancer
Tom Tremouth Charity Golf Tournament
Mortgage Alliance Charity Golf Tournament
Mortgage Alliance Charity Rally of Hope
MCAP Shineramaevent in support of Cystic Fibrosis
Previous volunteer with Law Day events- Calgary
Partnered with Mortgage tree to create a yearly coloring contest for Autism Awareness which started in 2017 and reached over 500,000 people in 2019 and had approximately 5000 entries. In 2019 I gave out over200 prizes with a total value of approximately $8,000.00.
Developed the John Hendrix Scholarship Award at St. Francis High School ince 2004 which gives approximately $9,000.00 ayear to 3 scholar shiprecipients who have evidenced success academically and in some form of extra curricular activity all while carrying on a job.
The Sky is my Limit program-having paid for 2 wells to African villages so they can have fresh water (and working on our 3rd)
The Sisters of Precious Blood, Calgary
The Knights of Columbus
Various local community Hockey Teams
up to 2017, the Canadian National Broomball team
Social Impact Entrepreneurs – “Find your Why” workshops.
MLAA Charity Golf Tournament
JNF Negev Tribute Gala dinner
YWCA- Ywhisper Gala
Calgary Italian Sportswoman’s Dinner
InvisAngels in theNight
Women of Vision Luncheons
Sunlife Rideto Defeat Diabetes
Calgary Catholic School District – raised over $100,000.00 directly for kitchen stobe built in 10 schools for breakfast and lunch programs and supported the build ofthe kitchen directly at St. Rita’s Elementary School.
Art of Leadership conferences.
Ongoing education and professional development of my associates and staff.
Associate Dean, Faculty & Academic, Associate Professor, Real Estate Management
Ted Rogers School of Business Management at Ryerson University
Associate Dean, Faculty & Academic, Associate Professor, Real Estate Management
Ted Rogers School of Business Management at Ryerson University
Dr. Cynthia Holmes is the Associate Dean, Faculty and Academic, at the Ted Rogers School of Management at Ryerson University, responsible for the curriculum and academic quality for the 12,000 students in the undergraduate program. She is the founding Chair of the Real Estate Management Department at the school and teaches real estate management courses at the undergraduate and master’s level. Her research area is real estate finance and housing economics. Her work has been published in leading academic journals and she has consulted with government and other organizations on issues related to residential and commercial mortgages. She has a BSc in Mathematics and Computer Science from McGill University, an MBA with a specialization in Finance from Concordia University, and a PhD in Urban Land Economics from the University of British Columbia. Prior to joining Ryerson, she held academic positions at the Schulich School of Business at York University and at Florida State University. She has ten years of industry experience with Standard Life Assurance Company, including several years in the Mortgage Investment department. Dr. Holmes holds the Institute of Corporate Directors designation and is a member of the Board of Management of the Toronto Zoo. She has performed a wide set of media appearances and speaking engagements as a Canadian housing market expert.
Former Director, Real Estate Broker
Ontario Real Estate Association Royal LePage
Former Director, Real Estate Broker
Ontario Real Estate Association Royal LePage
Tom Lebour has been an active REALTOR since 1976 in Mississauga. Recipient of the Royal LePage Diamond Award, ranking him in the Top Tier 10% Nationally in 2022. Giving back to the profession by having served as the President of the Mississauga Real Estate Board in 2002 and of the Toronto Regional Real Estate Board in 2010. Also served as a Director at the Ontario Real Estate Association from 2010-2016.
Currently committed to raising the “Diversity, Equity and Inclusion” Awareness in the Real Estate Profession by chaIring the DEI Committee of the Mississauga Real Estate Board. Took part in OREA’s Presidential Advisory Group in the DEI study resulting in Fighting for Fair Housing Report. Lastly, on the Peel Police Chief Resource Centre, to ensure a more equitable lifestyle in the diverse community of Peel.
President, City Choices Consulting Retired Co-Director
Planning City of Vancouver
President, City Choices Consulting Retired Co-Director
Planning City of Vancouver
Ann McAfee has a Doctorate in City Planning and Urban Land Economics from the University of British Columbia. From 1974-2006 she was Vancouver’s Housing Planner and Co-Director of Planning. In 2006 she established City Choices Consulting to mentor cities on strategic planning. She is a member of Canada’s National Housing Council.
Dr. McAfee has taught courses on housing and land economics. As an Adjunct Professor, she currently teaches strategic planning at UBC. Ann has written on housing markets, financing growth, governance, and recently on COVID recovery.
A Fellow of the Canadian Institute of Planners, Ann has been recognized by the International Honorary Land Economics Society LAI, Urban Development Institute, MIT, and the Canadian Housing Design Council for her contributions to cities.
Executive Director
Mortgage and Title Insurance Industry Association of Canada
Executive Director
Mortgage and Title Insurance Industry Association of Canada
Ed Steel is the Executive Director of the Mortgage and Title Insurance Industry Association of Canada (MTIIAC). Since joining MTIIAC in 2018, he has been leading the association’s efforts to reduce barriers to responsible homeownership and help to ensure a fair, safe, and stable real estate marketplace.
Prior to joining MTIIAC, Ed served as Director of Policy to Ontario’s Minister of Government and Consumer Services. He previously held a variety of policy and communications roles throughout several Ministries of the Ontario Government, including Children and Youth Services, Citizenship and Immigration, and Labour.
Co-President
Wastell Homes
Co-President
Wastell Homes
Sue Wastell is Co-President of Wastell Homes – an award-winning, family-owned home builder in London, Ontario that is consistently recognized for their unwavering commitment to quality, design and service. As Co-President of Wastell Homes, Sue is responsible for overseeing every facet of the home building process, from design to advertising and land acquisition.
Sue currently serves as Past-President and Executive Member of LHBA, where she spearheads a number of important initiatives to improve the building industry (such as housing affordability and skilled trades shortages), and acts as a conduit between the municipality and LHBA members.
In her tenure as President, Sue made important strides towards developing workable policies to deal with housing affordability across the country. Sue made this a major focus of her advocacy efforts; with her own children coming into adulthood, Sue wants to ensure that home ownership isn’t out of reach for Canada’s youth. She is also a Presidential-Appointee on the Canadian Home Builders’ Association Board of Directors, and Chair of the Urban Council Committee.
Most recently, Sue spearheaded an initiative to develop a “Skilled Trades Education Centre” (STEC). As the first of its kind in Ontario, the vision for STEC is establish careers in skilled trades as a viable career choice – equivalent to a university or college-based career – for adult career-seekers and students.
President, Real Estate and Mortgage Institute of Canada Inc. (REMIC), President
Association of Mortgage Investment Professionals (AMIPROS)
President, Real Estate and Mortgage Institute of Canada Inc. (REMIC), President
Association of Mortgage Investment Professionals (AMIPROS)
Joseph J. White is the founder and President of the Real Estate and Mortgage Institute of Canada (REMIC), and co-founder and President of Conversational Artificial Intelligence Technologies (CaiT).
Mr. White has been a staunch supporter of the mortgage industry since 1988. He began his career as a mortgage agent, and in the mortgage lending sector of the industry he has held positions as National Sales Manager and VP of Sales with two national mortgage lenders.
In the industry’s mortgage brokering sector he is a licensed mortgage broker and has been a partner at a successful mortgage brokerage, manager at two national brokerages, principal broker at a commercial brokerage, founder of a mortgage investment corporation, and is owner and principal broker of his own boutique brokerage.
As an educator, Mr. White has personally instructed over fifteen thousand students since 1996, many of whom are now leaders in the industry. During his 14 years at Seneca College he was a professor, program coordinator, subject matter expert and winner of the Excellence Award for exceptional leadership. In addition to having developed several courses for Seneca College, including the first mortgage broker education program in Ontario’s history, he designed the mortgage agent course currently used by REMIC and Ontario’s colleges. Mr. White has written two textbooks used in the mortgage industry and by over 20 Ontario colleges, with over thirty thousand copies in print, as well as several business focused books and e-books.
Mr. White has made significant contributions to the growth of the mortgage industry. When he began his career in teaching, 120 students per year were taking the mortgage agent course. Because of his passion and dedication to helping those who want to make mortgage brokering their career, REMIC has become the largest mortgage educator in Canada, teaching over 6,000 students per year.
As a thought leader, Mr. White is leading the development of AI, through hiCait.com, for use in assisting mortgage brokers to capture market share and expand mortgage brokerage’s influence in the mortgage market.
Managing Partner
Peak Mortgage Company
Managing Partner
Peak Mortgage Company
Michael spent the first 12 years of his career working in the banking sector and has experience with two of the largest financial institutions in Canada. He has held various positions throughout his banking career which includes being a lending specialist for 7 years. He was the recipient for top national award in 2009, 2013, 2014, 2015, 2016 and 2017, recognized by both financial institutions he has worked for. He was also a serving member of national mortgage specialist advisory board and holds professional designations of “Personal Financial Planner (PFP)” and “Associate Institute of the Canadian Bankers (AIBC)”
Michael became a Mortgage Broker in August 2018 where he brought with him extensive industry knowledge and expertise. He is currently a Managing Partner at Peak Mortgage Company and is responsible for the commercial lending segment while overseeing the overall strategies along with other partners for sustainable growth of the company.
Currently, Michael serves as a Member of the Board of “Canadian Mortgage Broker Association British Columbia” and actively work to advocate, support and enhance professionalism and ethical standards within the mortgage industry.
Former Director, Real Estate Broker
Ontario Real Estate Association Royal LePage
Former Director, Real Estate Broker
Ontario Real Estate Association Royal LePage
Tom Lebour has been an active REALTOR since 1976 in Mississauga. Recipient of the Royal LePage Diamond Award, ranking him in the Top Tier 10% Nationally in 2022. Giving back to the profession by having served as the President of the Mississauga Real Estate Board in 2002 and of the Toronto Regional Real Estate Board in 2010. Also served as a Director at the Ontario Real Estate Association from 2010-2016.
Currently committed to raising the “Diversity, Equity and Inclusion” Awareness in the Real Estate Profession by chaIring the DEI Committee of the Mississauga Real Estate Board. Took part in OREA’s Presidential Advisory Group in the DEI study resulting in Fighting for Fair Housing Report. Lastly, on the Peel Police Chief Resource Centre, to ensure a more equitable lifestyle in the diverse community of Peel.
Director, Queen’s Real Estate Roundtable Continuing Adjunct Assistant Professor,Schools of Urban & Regional Planning
Business & Environmental Studies Queen’s University
Director, Queen’s Real Estate Roundtable Continuing Adjunct Assistant Professor,Schools of Urban & Regional Planning
Business & Environmental Studies Queen’s University
John has been Executive Director of Queen’s University’s Commercial Real Estate Executive Seminars since its creation in 2004. Since 2000 he has also been a professor in the Queen’s School of Urban and Regional Planning (part of the Department of Geography and Planning since 2016), where he teaches commercial real estate courses to graduate students. He has also taught commercial real estate in the Queen’s University’s Smith School of Business since 2009.
John consults to the commercial real estate sector, primarily on strategic planning, financial analysis, environmental issues and conflict resolution; and has served as an expert witness in real estate commercial litigation cases and urban planning tribunal hearings. He is a frequent speaker and national media commentator on a broad range of real estate issues. John’s research is directly applicable to the commercial real estate sector, and has included such wide-ranging topics as financial feasibility analysis, environmental issues in buildings and land, conflict management, real estate decision-making and investment strategy.
John holds a Ph.D. and Master of Science in Planning from the University of Toronto, and a Bachelor of Science from Western University. He holds a Canadian Private Pilot License with an Instrument Rating, has been an active pilot for 32 years and is a Volunteer Pilot with Hope Air, flying distant patients in financial need to medical appointments at major treatment centres, in his own plane.
President, Real Estate and Mortgage Institute of Canada Inc. (REMIC), President
Association of Mortgage Investment Professionals (AMIPROS)
President, Real Estate and Mortgage Institute of Canada Inc. (REMIC), President
Association of Mortgage Investment Professionals (AMIPROS)
Joseph J. White is the founder and President of the Real Estate and Mortgage Institute of Canada (REMIC), and co-founder and President of Conversational Artificial Intelligence Technologies (CaiT).
Mr. White has been a staunch supporter of the mortgage industry since 1988. He began his career as a mortgage agent, and in the mortgage lending sector of the industry he has held positions as National Sales Manager and VP of Sales with two national mortgage lenders.
In the industry’s mortgage brokering sector he is a licensed mortgage broker and has been a partner at a successful mortgage brokerage, manager at two national brokerages, principal broker at a commercial brokerage, founder of a mortgage investment corporation, and is owner and principal broker of his own boutique brokerage.
As an educator, Mr. White has personally instructed over fifteen thousand students since 1996, many of whom are now leaders in the industry. During his 14 years at Seneca College he was a professor, program coordinator, subject matter expert and winner of the Excellence Award for exceptional leadership. In addition to having developed several courses for Seneca College, including the first mortgage broker education program in Ontario’s history, he designed the mortgage agent course currently used by REMIC and Ontario’s colleges. Mr. White has written two textbooks used in the mortgage industry and by over 20 Ontario colleges, with over thirty thousand copies in print, as well as several business focused books and e-books.
Mr. White has made significant contributions to the growth of the mortgage industry. When he began his career in teaching, 120 students per year were taking the mortgage agent course. Because of his passion and dedication to helping those who want to make mortgage brokering their career, REMIC has become the largest mortgage educator in Canada, teaching over 6,000 students per year.
As a thought leader, Mr. White is leading the development of AI, through hiCait.com, for use in assisting mortgage brokers to capture market share and expand mortgage brokerage’s influence in the mortgage market.
Executive Director
Mortgage and Title Insurance Industry Association of Canada
Executive Director
Mortgage and Title Insurance Industry Association of Canada
Ed Steel is the Executive Director of the Mortgage and Title Insurance Industry Association of Canada (MTIIAC). Since joining MTIIAC in 2018, he has been leading the association’s efforts to reduce barriers to responsible homeownership and help to ensure a fair, safe, and stable real estate marketplace.
Prior to joining MTIIAC, Ed served as Director of Policy to Ontario’s Minister of Government and Consumer Services. He previously held a variety of policy and communications roles throughout several Ministries of the Ontario Government, including Children and Youth Services, Citizenship and Immigration, and Labour.
Senior Partner
Hendrix Law
Senior Partner
Hendrix Law
I was born in Calgary, Alberta
I graduated from St. Francis High School in 1984 and received my Bachelor of Education Degree at the University of Calgary in 1988.
I received my Bachelor of Laws Degree at the University of Calgary in 1991 and was admitted to the Law Society of Alberta in 1992.
I completed my articles with the law firm of Davidson & Williams in Leth bridge, Alberta and joined the firm as an associate lawyer there after. I articled under the Honourable Justice R. Jerke. In 1993, I returned to Calgary and joined the firm of Fleming Kambeitz where I practised until 1996. I joined the firm of Vickers & Associates as an associate in 1996. I became a partner of the firm in 2009 and asaresult the firm name changed to Vickers Hendrix LLP in 2009. The firm became Hendrix Lawin 2014.
Over the years, I have established various scholarships for the development of junior high and highschool students to honour life balance, athletic and academic achievement in Calgary, Alberta.
I am the past chair of the South Alberta Canadian Bar Association Foreclosure Subsection and I have been a member of the Executive of the Subsection for the past 20 years. There are few other members of the subsection that has participated more directly and actively with the Foreclosure Subsection and Executive than I have over the past 20 years.
I am Admitted to and am in Good Standing with the following Law Societies:
Alberta – July 24, 1991
Northwest Territories – January 16, 2012
Nunavut – November 2, 2012
Yukon – May 14, 2019
Contribution to the Court:
I have always tried to lead in seeking improvements in the legal system and the practise of foreclosure law, I am and have been active in the development of the foreclosure practise in Alberta and have worked with the Alberta Bar and closely with the Masters in Chamberson the development of precedents, fee guidelines, practise and procedures for foreclosure lawyers over the past 20 years.I have actively contributed,on a solution based orientation, with our formal Foreclosure Subsection meetings with the South Alberta Masters in Chambers.
Recently, and after 20 years, we achieved a huge leap towards consistency and efficiency with the court clerks in having an approved fee and disbursement tariff in place. This started with a meeting with myself, Master Waller, Master Alberstat, JoeMorin, Angie Renkeland a few other foreclosure lawyers back in 1998. Together with Cass Lintott, in the past few years, we have spent hundreds of hours working together with the Masters in Chambersto establish fair, equitable and best practises with respect to fee consistency and expectations on taxed foreclosure files resultingin as ustainable indexed guideline that was produced in 2017. This has served the public in terest as well, in having a concrete expectation of reasonable fees that should be incurred in a fore closure setting.
I have worked directly with Master Prowse on establishing the foreclosure precedent forms that are now available on the Queen’s Bench web site and have engaged with the all of the Masters directly on continuing to improve and adjust those precedent forms as the ever changing land scaping of lending and real estate continues to evolve.
I have been privileged to attend before the court to make submissions and reference son relevant areas of lawfor the foreclosure CBA subsection. Any time that there has been an issue to be resolved by way of Court application, I have always volunteered to make the application for the courtre ference or judgment that assists the practise.
Contribution to the Legal Profession:
I pride myself on being a mentor and a teacher within the industry. I am registered as a Mentor with the Law Society of Alberta in the areas of Foreclosure Law and Real Estate. I assist lawyers on a weekly basis with questions they may have in relation to foreclosure practises and procedures. I have always been available to provide guidance on processes to follow and precedents to use to fellow members of the bar. I have always been quick to lend a hand, or a precedentor advice and direction on practise and procedures to members of the bard. I have assisted junior lawyers at fellow firms on a regular basis when their senior members are away from the office or on holidays and take pride in making myself available for this service.
I have helped numerous lending organizations develop mortgage terms, forms, requirements and standard mortgage terms. I have prepared standard mortgage terms and standard mortgage form which are currently being used across Alberta for such lenders as CIBC, Home Trust, Bridge water Bank, Resmor Bank, Haventree Bank, Home Bank, Capital Direct Lending Corp., Aaron Acceptance, Alpine Credits, AltaWest Mortgage Capital Corp., hundreds of private lenders and Mortgage Investment Corporations.
We have also assisted our clients in development of practise requirements for under writing, review of funding requests and instructing default processes. We have prepared and provided foreclosure step summaries to new lenders and institutions as well as checklists on fundings and mortgage enforcement. I regularly provide all of our clients with email updates on mortgage lending and enforcement practises. I have reviewed and provided input to all of our clients on the updates to the practise, including but not limited to:
mortgage renewals and changes to the Fair Trading Act(now the Consumer Protection Act) and reviewed their renewal forms and procedures to ensure compliance with the legislation;
collateral mortgages and re-advanceable mortgages in consideration of Section 104 of the Land Titles Act;
the decision of the Supreme Court of Canada on implied consent so as not to violate privacy laws;
condominium corporations priorities to registered mortgages based upon their by laws;
enforce ability of Notices of Security Interests in priority to or for payout from Mortgagees;
updated on appropriate deletions to ongoing real estate list ingagreements and real estate purchase contracts for in foreclosure and post foreclosure sales;
mistaken discharges of mortgages and remedies resulting from that circumstance;
failure of lawyers and title insurers to register mortgages on parkings talls and other encumbrances;
release of the personal covenant and the effects of Bankruptcy;
the ability to collect for damages to a property on possession;
the impact of the Limitations Act on mortgage enforcement and how that applies when you area mortgagee and another mortgagee on title is foreclosing, and;
he impact of residency on “in foreclosure” third party sales.
Hendrix Law has also built their own internal copy written and trademarked foreclosure administration program that our clients can login to and see at a moment the status of any one of their files, the parties to the action, any interested parties, the documents associated with that file, all communications, what steps have been taken on the file and when the next steps are to take place. This program also assists us in using a team approach to the handling of foreclosures so that any paralegal can work on a file and be familiar with that because they are all coded and organized in the same fashion. This program assists me in firm management as I can assign tasks to my staff, or re-assign tasks when staff are away, at a click of abutton. This program creates our merge field codes for our document production which ensures that all our information is accurate and consistent throughout the file. With any phone call or email, I can have the complete file information available instantly to me. The program ensures that every step is taken when due and that next steps are assigned concurrently so the matter continues to proceed effectively and efficiently. Our files can be cloned for repeat defendants which also stream lines our process. The program and our system s meet all of the National Banks extensive security requirements.
We have worked extensively on the FCT Collect link Default Solutions platform, the National Recovery System and the Prospect platform which are all on line programs which assist lenders inthe monitoring of foreclosure actions and communication on foreclosure files.
Recently, wehave been accepted by the Alberta Lawyers Indemnity Association to provide defence counsel and repair work.
Contribution to the Administration of Justice:
A Foreclosure practise can be difficult. You are removing people from their homes. While our process is efficient we always discharge our dutiest oour clients fairly and honourably. We are respectful and courtesy to all borrowers, no matter their circumstances. I have always maintained my dignity, decorum and courtesy to all other counsel and self represented litigants in and outside the court room. I am consistent in sharing all information obtained from self represented litigants with the court, so that the court can make in formed decisions,even when the defendants do not appears in Chambers.
It is rare that foreclosure defendants have legal counsel. I ensure that I advise any self represented defendants that I am acting for a party adverse in interest to them, and there fore can not provide them with legal advice. However, I alwaysensure thattheforeclosureprocessisexplained to them, andrecommend thatthey either obtainindependentlegaladvice, or contacttheLawyer ReferralProgramfor the opportunity to speak to counsel regarding the foreclosure process and procedures.
As everyone does, our office does provide free legal services, to clients on a regular basis. This is usually 2 or 3 times a month, since I have joined the firm and become a partner at the firm. Sometimes it is a lot more. These usually relate to Wills and Estate matters, Real Estate matters, monitoring prior or subsequent foreclosure files for Lenders, landlord/tenant disputes and general litigation files. These pro-bono services have ranged in fees waived of from $1,000.00 – $50,000.00 per file.
We also regularly consider reductions or waivers of our legal fees on foreclosure matters if it would accomplish a borrower being able to redeem a mortgage or where the borrowers circumstances are particularly heart breaking in terms of illness or deaths in the family. While I do this regularly, I also give each of my staff the opportunity to choose files where we make special concessions on our legal fees or outside payment arrangement of our legal fees(with the consent of our clients always) with the borrowers as a consideration of their personal circumstances.
With the inclusion of the Amicus program at the Court House, on those rare occasions where defendants appear on foreclosure matters, we ensure our applications are stood down to provide the defendant(s) with the opportunities to speak to Amicus counsel before our matters are heard.
I provide free advice daily to our various clients on mortgage fundings and foreclosures to help them with their practices and procedures. I give them step by step solutions on inquiries they don’t know what to deal with, or unusual files they want direction on, or even request for funds that they feel are suspicious. I review outstanding charges on titles for priority issues and recommendations. We have formulated standard mortgage terms, standard mortgage forms and supporting mortgage documents for our clients and consistently work with them to update those documents as practise and procedures change. My motto in that regard has always been that the more we all know, the better we all do!
As I have a Bachelor of Education as my first degree, my most effective way of giving back to the community and my greatest passion relates to being able to provide Educational services to members of the bar and to the public.
My Contributions to the Community by teaching, lecturing, providing presentations or written articles/materials have been with:
Mount Royal University – portions of the Alberta Mortgage Brokerage Course for over 10 years.
St. Vincent D’Paul Junior High – career days
Alberta Mortgage Brokers Association yearly, for over 20 years at various conferences and education day seminars.
AMBA matters publications.
Calgary Herald article on Foreclosures
Calgary Real Estate Counsel jointly with Alberta Mortgage Brokers Association – panel on real estate transactions 2018
Alberta Real Estate Association webinar on foreclosures 2017
Twice yearly, taught the CPLED Course for approximately 10 years teaching about real estate when it was part of the Bar Admission course and then on career days about a realestate practise.
Legal Education Society of Alberta
Taught and Chaired “Civil Enforcement Fundamentals” – 2019
Taught and Chaired “Foreclosure Fundamentals” – 2017
Faculty, Presented with JimReich – “Foreclosures” at the 45th Annual Refresher Court on Real Estate – 2012
Taught and Chaired “Introduction to Foreclosures for Paralegals” – 2009
University of Calgary, Faculty of Law- moot court judge
Canadian Bar Association – numerous Foreclosure luncheons
Alberta Foreclosure Stoppers – various blogs on foreclosure process.
Appraisal Institute of Canada – Calgary Chapter
Mortgage Alliance, Mortgage Professionals and Invis.
CIBC Bank, Home Trust, Equitable Bank, National Bank, AltaWest Capital Corporation, Calvert Home Mortgages, various mortgage brokerages and real estate agencies in Calgary
Some of the many ways I have encouraged public respect for the legal community and public confidence in my abilities is through my affiliations with:
The Appraisal Institute of Canada
The Alberta Mortgage Brokers Association
won the 2017 Partner Award and
a member of the Board of Directors for 2019 and 2020
Mortgage Professionals Canada
First Canadian Title Insurance- member of their Legal Advisory Counsel in Alberta
Alta WestMortgage Corporation -member of their Legal Advisory Counsel in Alberta
Kirpal Dhinsa Scholarship Committee, Calgary
Canadian Bar Association
Member of the Foreclosure Subsection Executive approximately 20 years
Previous repeated Chair and Co-Chair of the Foreclosure Subsection
Calgary Bar Association
Divorce Angels
Stnce
Allignable – Small Business Network
Calgary Chamber of Commerce
Ocato.ca
Member of the Calgary Winter Club
Member of the Silver Springs Golf Club
Mortgage Lenders Association of Alberta
Private Mortgage Lenders Forum Alberta
Lunch and Learns with Real Estate agencies, Mortgage Brokerages and banks.
Powerpoint presentations on foreclosure and real estate updates to private lenders, mortgage investment corporations, trust companies and National Banks. I usually try to do this twice a year with all of my clients.
I have also actively Sponsored the following Charities or Other Events:
Calgary Catholic Education Foundation
Canadian Red Cross
The Heart & Stroke Foundation
CIBC Run for the Cure
CIBC Golf for Breast Cancer
Tom Tremouth Charity Golf Tournament
Mortgage Alliance Charity Golf Tournament
Mortgage Alliance Charity Rally of Hope
MCAP Shineramaevent in support of Cystic Fibrosis
Previous volunteer with Law Day events- Calgary
Partnered with Mortgage tree to create a yearly coloring contest for Autism Awareness which started in 2017 and reached over 500,000 people in 2019 and had approximately 5000 entries. In 2019 I gave out over200 prizes with a total value of approximately $8,000.00.
Developed the John Hendrix Scholarship Award at St. Francis High School ince 2004 which gives approximately $9,000.00 ayear to 3 scholar shiprecipients who have evidenced success academically and in some form of extra curricular activity all while carrying on a job.
The Sky is my Limit program-having paid for 2 wells to African villages so they can have fresh water (and working on our 3rd)
The Sisters of Precious Blood, Calgary
The Knights of Columbus
Various local community Hockey Teams
up to 2017, the Canadian National Broomball team
Social Impact Entrepreneurs – “Find your Why” workshops.
MLAA Charity Golf Tournament
JNF Negev Tribute Gala dinner
YWCA- Ywhisper Gala
Calgary Italian Sportswoman’s Dinner
InvisAngels in theNight
Women of Vision Luncheons
Sunlife Rideto Defeat Diabetes
Calgary Catholic School District – raised over $100,000.00 directly for kitchen stobe built in 10 schools for breakfast and lunch programs and supported the build ofthe kitchen directly at St. Rita’s Elementary School.
Art of Leadership conferences.
Ongoing education and professional development of my associates and staff.
Managing Partner
Clover Properties
Managing Partner
Clover Properties
Rachel Oliver is a multi-award-winning real estate investor and co-host of Mothers of Real Estate TV Show. Since 2009, she has been trailblazing a sustainable way for mortgage professionals to grow their business and help more Canadians get into homeownership. Through her innovative deferred purchase program, Rachel and her team have helped nearly 350 families, first-time buyers, self-employed business owners, and newcomers to Canada become mortgage-ready and get into the real estate market faster. Rachel operates Clover Properties, Ontario’s most reputable Rent to Own company, that has generated over $7.3 million in commissions for mortgage and real estate agents. As the author of Amazon bestselling book “Rent to Own Essential Guide for Homebuyers”, Rachel is dedicated to educating mortgage and real estate professionals on a proven product for homebuyers who cannot qualify for conventional or private financing today. To learn more, visit www.StopRentingToday.ca.
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