Mortgage by Koukun

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Mortgage by Koukun Host of Golden Horseshoe Real Estate Podcast | Mortgage Agent Level 2 | Synergy Mortgage Group Lic #13172 Our Team was established in 2021.

Since then we've grown into a dynamic team consisting of three licensed realtors, an admin/operations manager, a content manager, and an Internal Sales Agent, forming the backbone of Dun Real Estate Group. Our dedicated professionals are committed to building lifelong relationships with every client we serve. When you embark on a Real Estate Transaction with us, it marks the commencement of a journey where we stand by your side, providing support throughout your Real Estate endeavors and beyond. In order to offer you the best possible service, we have forged connections with top-tier professionals in the Real Estate industry. This network includes Mortgage Professionals, Home Inspectors, Architects, Contractors, Lawyers, and a plethora of other experts who excel in their respective fields. This collective expertise ensures that we can assist you comprehensively in every aspect of your Real Estate experience.

10/23/2026

A really good salesperson is a much better listener than a talker.

Tune in to the full episode of the Golden Horseshoe Business Podcast with Paul Indrigo on Spotify, Apple Podcasts, and all major platforms

10/23/2026

Why owning your list is one of the most valuable assets in business.

Tune in to the full episode of the Golden Horseshoe Business Podcast with Paul Indrigo on Spotify, Apple Podcasts, and all major platforms

10/23/2026

Trust the process, not the outcome.

Tune in to the full episode of the Golden Horseshoe Business Podcast with Paul Indrigo on Spotify, Apple Podcasts, and all major platforms

10/23/2026

A single moment of rejection changed everything.

Tune in to the full episode of the Golden Horseshoe Business Podcast with Paul Indrigo on Spotify, Apple Podcasts, and all major platforms

Paul Indrigo shares sales skills for business owners, real estate market cycles and how to build an email list that keep...
10/23/2026

Paul Indrigo shares sales skills for business owners, real estate market cycles and how to build an email list that keeps clients close.

πŸŽ™οΈ Listen now on Spotify, Apple Podcasts, and all major platforms.

10/23/2026

The Smith Manoeuvre is a strategy every Canadian homeowner should understand.

Tune in to the full episode of the Golden Horseshoe Business Podcast on Spotify, Apple Podcasts, and all major platforms

10/23/2026

I was at the Your Life Your Terms event last Saturday, it's run by Tom and Nick Karadza who run the Rock Star Inner Circle, a Real Estate Investment Membership in the GTA. It's been a while since I've last attended it and it was great to reconnect with many friends who I've not seen in years.

One of the presentations had an interesting point that stuck with me. It was a quote from the CEO of Nvidia Jensen Huang:

"People with very high expectations have very low resilience – and unfortunately, resilience matters in success. I don't know how to teach it to you except for... I wish upon you ample doses of pain and suffering. Greatness comes from character, and character isn't formed out of smart people. It is formed out of people who have suffered."

I recently had a guest on my podcast who had Lyme disease. It impacted his career: he went from almost being a partner at a law firm, to having to take time off to focus on his health, to now rebuilding a new law practice from scratch.

I also mentioned to him how making the transition from my Realtor Team to mortgages was not easy, especially in the last 18 months of running the Realtor business, not being able to pay myself while working harder than I ever have before.

We both shared this sentiment. We both feel grateful for the pain and suffering we experienced.

Through those challenges, I've personally had to take a deep look at my identity, what truly matters to me, and reorient myself in many ways. When things are going well it's easy to confuse our identity with our profession or accomplishments, and when those are stripped away from us do we have a chance to really reflect who we choose to be and where we gain our confidence and self-worth from.

Now I find that I'm far more present with my family, and ultimately happier now than I was even when my old business was thriving.

He shared the same sentiment, how he's connecting with his 2 boys now far more than he was when his career was at its last peak. And how grateful he is for the connection he has with himself and his family now.

This brings me to some thoughts I've been having as a father, while I want to do my best to support them and help them in their lives, saving up for education, or even simply helping make connections that can help them progress in their career.

Part of their development will simply need to come from facing tough challenges that they need to face on their own. While I can do my best to not make their life harder than it needs to be, ultimately the challenges they face become something precious in their growth and development.

The one comfort that I have is that life will ultimately give them and all of us challenges, especially if we look for an adventure and choose any path that may be out of the norm.

So if you are reading this and are going through a tough time right now, I know it can feel rough at the moment, but there is a chance you may grow and become a different person from having had these challenges.

10/22/2026

πŸ“ House hacking opportunity in St. Catharines

83 Hillview Road. A newly built semi-detached home with a 3-bedroom, two-storey upper unit and a 1-bedroom walkout basement unit.

Here's what it takes to buy it:
πŸ’° Just under $48,000 in savings
πŸ“ˆ Household income of $95,000+
πŸ’³ Room for about $500/month in other debts

Here's how the numbers work:
🏠 Mortgage, taxes, insurance, and utilities run about $3,800/month
πŸ”‘ The basement rents for roughly $1,600/month
βœ… Your net cost to own: $2,216/month, utilities included

And a big chunk of that payment goes straight to principal, building your equity every month while your tenant helps cover the rest.

Want me to run the numbers on a home you're looking at? Send me a message or book a free call through the link.

Koukun Unosawa, Mortgage Agent Level 2, Lic # M23008081
Synergy Mortgage Group, Brokerage Lic # 13172

10/22/2026

House hacking opportunity in St. Catharines!

83 Hillview Road is listed for just under $650,000, and the numbers on this one are worth a look:

βœ… Just under $48K saved gets you in (down payment, closing costs, land transfer tax as a first-time buyer)
βœ… Household income needed: ~$95K
βœ… Credit score: 680+
βœ… Total monthly costs: ~$3,816
βœ… The 1-bedroom walkout basement suite could rent for ~$1,600
βœ… That leaves you living in the 3-bedroom upper unit for ~$2,216/month

It's a newer semi-detached built on a hill, so the basement suite has a walkout and tons of natural light. No rear neighbours, beautiful views, and the backyard and deck are all yours as the owner upstairs.

Want to learn how house hacking works? I teach it step by step in my free Skool community, Real Estate & Finance Hub, in the House Hacking 101 course πŸ‘‰ https://www.skool.com/biz-mortgage-insiders-9128/about

Thinking of buying a home with a rental unit? Let's talk: 289-301-7679 | [email protected]

Koukun Unosawa, Mortgage Agent Level 2, Lic # M23008081
Synergy Mortgage Group, Brokerage Lic # 13172

Numbers are estimates for illustration. Not financial advice.

Darren Sweeney breaks down how Canadian homeowners can use the Smith Manoeuvre to turn mortgage debt into tax-deductible...
10/22/2026

Darren Sweeney breaks down how Canadian homeowners can use the Smith Manoeuvre to turn mortgage debt into tax-deductible debt while building wealth.

πŸŽ™οΈ Listen now on Spotify, Apple Podcasts, and all major platforms.

Address

411 East Main Street
Welland, ON

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+12898135147

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