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Once you have passed the course you must then be hired by a licensed mortgage brokerage that will initiate the licensing process on your behalf.
Do I have to take continuing education to maintain my license? Yes, there is a mandatory course that you will need to take before you are able to renew your license.
Do I have to begin the course on a specific date? If taking RMAC online you have the flexibility to begin your course at any date, and you may complete it within as little as one week or up to 6 months - the choice is yours.
If taking the in-class course you must begin and end the course on set dates. How much time should I devote to the course each day?
This depends on your learning skills. While some take longer others learn and understand the material more quickly.
The course is designed to be completed in 47 hours, which includes online exercises, tutorials, assignments, tests, and reading. We suggest that you set aside at least this amount of time to complete the course.
How do I receive my textbook? You will receive an online login immediately following your registration that gives you access to an electronic version of the textbook, whether you are doing the course in-class or online.
This way you can get started in the course right away! REMIC will also ship you a hard copy of the textbook within 2 business days. What is the cost of the course?
There are no other costs associated with the course other than GST. How can I pay for the course? Who teaches the course?
Only qualified, experienced industry experts are used to teach the course, which was developed by veteran industry expert and REMIC President, Joseph J.
White who is also the author of the textbook. How does job placement work? The Shark Bank allows you to view job postings from brokerages across Ontario.
Like a typical job bank, mortgage brokerages will also have access to your resume and cover letter should you include them , allowing them to contact you directly and setup an interview.
REMIC will provide you information and resources that will assist you in the interview process; understanding the procedures and knowing the right questions are vital when choosing a brokerage to join as a mortgage agent.
What if I fail the exam? If you fail the exam you can arrange a rewrite exam at no additional cost to you at the next available exam date.
If you fail the rewrite you must re-enroll in the course, paying the full tuition plus GST. This is a FSRA requirement. Do I need to be internet or "tech savvy" to take the online course?
No, the course is designed for those with basic computing skills, however the course contains rich, interactive content designed to engage you.
What if I disagree with my exam grade? Please refer to our Policies and Procedures Manual for additional information.
Do I have access to a "live" person in the online course? Of course! Your Professor, an industry professional, is there to help, Monday to Friday during regular business hours.
Am I on my own in the online course? No, we are here to help! Your online course has a dedicated Professor who will interact with you, answering your questions and helping you along the way, when you need it.
In addition, you are able to communicate with your fellow students in the course via chat message and open discussions.
Are there any prerequisites to taking the course? No, the course is available to anyone, however it is recommended that you have at least a high school education with equivalent English or French language and math skills.
When can I drop the course and get a refund? Can I transfer or get an extension? Please click here to open the Student Academic Policy which includes the withdrawal form.
During or after the examination or after 30 days after registration: No credit and No refund. REMIC does not publicize these statistics as they have no impact on your individual results and in publicizing these types of statistics a student may put more or less work into the course than required based on his or her perception.
Students may defer the exam indefinitely if he or she feels unprepared for the exam. There is no cost for this privilege.
I'm not prepared for the exam. What can I do? You can request to defer the exam without cost or penalty, as long as the course is completed within 6 months of initial registration.
This option is available to both online and in-class students. As REMIC hosts open examinations every week, when you are ready you can book yourself in and write the exam.
Can I work at my own pace? You can complete the course in as little as one week or take up to 6 months - the choice is yours.
What is the difference between an agent and a broker? A broker does not necessarily earn more on a mortgage transaction than an agent.
In addition, a broker must have been a licensed agent for at least two years, take and pass the broker course for licensing, and be approved by FSRA to upgrade his or her license from an agent to a broker.
Once registered, how long does it take before I get access to the online course? Whether you register for an in-class or online course you will have immediate access to the online information.
This includes a soft copy of the textbook, audio-backed video tutorials, assignments, discussions, a case study and a full exam prep guide and practice exam.
Any students not accepted will have their registration fee fully refunded. Is this course offered in house at brokerage's offices?
The course is taught by a REMIC Professor and standard exam security is employed regardless of the location of the course.
The course is valid for 2 years from the time you pass your exam. If you do not obtain a mortgage agent license within this time you must retake the course.
How do I register for the mortgage agent licensing course? Registration is easy. Simply go to www. We accept Visa, Mastercard, Amex, debit, cash or certified cheque.
Start Quiz! Founded in by Joseph J. White, author of the textbook used by both the REMIC and Seneca College courses for agent licensing, and numerous sales resources, the Real Estate and Mortgage Institute of Canada is the Institute dedicated to the mortgage brokerage industry and the life insurance industry.
White founded the Institute to meet the needs of financial services professionals by focusing solely on the mortgage brokerage industry.
Mortgage Agent Course for Licensing. Your first step in an exciting, financially rewarding career as a mortgage agent! Free Job Placement Assistance.
Free Career Launch Workshop. Start Here. Your new career starts here! See more. See all reviews.
Michael Kranitz. Hamed Noroozi. Mehran Mirza. Aram Iqbal Desai. Mehdi Aghaloo. Sonja Bethel. Tarek Elarkan.
Scott Stoyles. Bertrand Duru. Lindsay Lewis. Career FAQs. How do I become a licensed mortgage agent? There are 3 steps to get mortgage agent licensed in Ontario: 1.
How fast can I complete the course exam? Are there a lot of brokerages that are hiring? How much can I earn as a mortgage agent?
See full FAQ here. Mortgage Agent Course Overview. Complete the Ontario Mortgage Agent Course RMAC for licensing in-class, by live webcast or completely online in as little as 5 days or take up to 6 months.
The game is designed for two to six people. You will need that space for the melds. Rummy for two is suitable for beginners. Playing with six people might result in bigger breaks between your turns but the challenge increases with the number of melds.
Brainteasers are best solved by oneself. In the same vein, Rummy is played without alliances , which would be found in Skat or Doppelkopf, for example.
The round can be won by playing all cards received during the round in melds and discarding the last card from the hand onto the discard pile.
The first meld a combination of at least three cards with a score of at least 30 points in total enables the player to play further melds, laying off cards by adding them to existing melds and swapping Jokers.
The set of rules is vast yet manageable. Feel free to have a look at our manual , where everything is explained in detail.
For a short overview and explanation of individual terms check out our glossary. If a question comes up while playing, our in-game help is there for you.
The winner gains the sum of all the scores as positive points. A table of Rummy ends either after a previously determined number of rounds or when one player reaches negative points.
The player with the highest score wins the table! Rummy requires two sets of French playing Cards of 52 cards each. They have a neutral pattern printed on the backside and pips, images and symbols in the front.
The pip values range from two to ten, according to the number printed on each card. The Ace is special : It scores one if played before the pips.
If played after the King, it scores The picture cards or face cards — Jack, Queen, and King — score ten points and complete the natural cards of the deck.
Each pip card, Ace, and face card carries symbols, commonly called suits: Clubs, Diamonds, Hearts, and Spades. The suits are another determiner for possible combinations in melds.
Added to the cards of the French decks, six Jokers complete the Rummy deck. The Jokers are the catch when playing Rummy , which makes them the most desired cards.
There are varying depictions of the Joker. He is enjoying life and has every reason to do so since he is as adaptable as a chameleon.
Adaptable means: He can replace any other card in the game to complete a meld. But careful! Once played in a meld, he can be replaced with the fitting cards by any player.
They can then use the Joker for replacing a card missing in one of their combinations. It is possible to place several Jokers in one meld if it is clear which cards they are replacing.
But if a Joker is in your hands by the end of the round, it scores 20 points — more than any other card. No problem! Just play by yourself, or rather: Play with Rummy fans all over the world, easy and comfortably online!
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