Different Kinds of Mortgage Fraud

Life can be extra tricky when it comes to activities involving money, business, and all other transactions. There are so many things to be aware of and things you should look out for you to get through the long process successfully. One of which is fraud.


Did you know there are different kinds of fraud? In this article, we will be talking about five kinds.  These are namely online scams, fraud for shelter,rent-to-own scans, fraud for profit, and suspicious brokers. Read on to get an overview of each kind!


Online Swindle

Shady activities online don’t only mean spamming emails but you should know that a “good” swindle could be just a few clicks away. When looking for properties or private sales, you can tell if it’s a possible fraud if the seller you’re in contact with asks for money before you meet in person or before they show you the property. Another online scam is when a swindler steal listings, information, and photos to place it on another website.


Fraud for Shelter

This is also known as “soft fraud” and it means that a person intentionally gives the wrong information to the lender so they could get a mortgage that they might not be qualified to be granted. There are different tactics including altering appraisals or forging employment/income verification documents.


Rent-To-Own Scam

As you may know, the idea of rent-to-own is paying rent of the home which will eventually be yours in the future like the Cebu Condo. It’s perfect for people who are trying to rebuild their credit before buying a house or saving money for a down payment while renting. If you’re not fully aware and guided, you might end up losing a huge amount of money and losing the chance to get that house. One thing that gives away this kind of scam is when the company or the landlord will not sign any papers and excluding a lawyer in the process.


Fraud for Profit

This involves someone who either forges documents or impersonates the homeowner for money. Fraudsters usually register the forged documents and transfers the property into his/her name. When they appear to be the real owner of the property, that’s how they acquire a new mortgage against the property and then make off with the cash.


Suspicious Brokers

In business, we’re always doubting and so we just do not know who to trust in this process.  Financial advisers, mortgage brokers, lenders, and agents are supposed to be the people who we could lean on all throughout. However, if they’re the bad guy here and you remain unaware, you’re going to be in a tough situation. One way to avoid this is to always make sure that your broker is licensed. Anyone who acts as if they’re a licensed broker or agent could be prosecuted for a violation of the law. That’s why virtual house tours are being built for preview before meeting the brokers.


Money is a tricky thing to deal with and it’s a powerful manipulator that makes people do crazy and unethical things. Always think ahead and have a plan B ready on standby because in real estate and in any other business, you never really know what could happen. Research, read, background check — it pays to be aware and cautious!

5 Reasons Why Online Presence Is Important For Your Business

As soon as the internet broke out and made way to every person’s home and mobile devices, it was a sure sign that the online world is only gonna get bigger and bigger. There are endless of opportunities in this new digital age and it’s all about learning how to work it to your advantage. For business owners, having an identity online has become an essential part in growing your business. If you put in a little time and effort into exploring the world beyond the screen, you will definitely see a difference in your business. Here are five reasons you should strengthen your business’ online presence.



  • Provides Easy Access For Customers


Think of online presence as your 24-hour store wherein you have your products and service rates on display all day every day for people to browse anytime and anywhere. It’s easier for your customers and potential customers to know more about your business through an official website, e-commerce platform, social media account/page, or all three. People should be able to know more about your company, what you offer, and where to contact and visit you.



  • Strengthens Customer Relationship


With just one click and just a few minutes, people could easily inquire online. They can send you a message, leave a customer review, or send you an email. It becomes easier to communicate with them and answer their questions. This will save them the time of visiting your store/office. Also, other people who are interested in your business will be able to know if you have good feedback which builds trust thus inviting more potential customers to your business.



  • Allows You To Establish Your Brand


Having a website and social media page means that you can put in your logo, signature colors, and your whole vibe into your online presence. You can customize your own page and your own theme, curate your feed, or edit photos in a specific way. You can even incorporate 1-minute videos to pique interest and increase customer engagement. Refer to this real estate virtual tour pricing site in which solid brand is being established together with its pricing.



  • Makes Online Marketing Easier


If you understand how the internet works, you would probably agree that websites and social media platforms are awesome marketing tools. You can reap a lot of benefits from this if you play your cards right. Post pictures, blogs, videos, advertisements, and always be active. The internet holds a lot of people making it the perfect channel to reach a very very wide audience, even those out of your target market. The point here is to be known, next goal is to give people a reason to like you, and from there you can work in generating their interest to sales.



  • Gives You A Way To Assess What’s Right and Wrong


With your social media accounts and websites, there are features or plug ins which you can use to monitor your page. This will keep track of how many people visited your site, where they came from (Google search  or another website that led them to yours), what they did in your page, how long they were browsing on your page, etc. This way, you will know which posts are least interesting and which ones had most views. A lot of factors in their metrics will help you in determining what areas you should improve on.


A company’s online identity can make or break a business, which is why it is important to work hard for it, maintain and strengthen it, and to not take it for granted. It’s something new and very modern, but very vital to business’ growth. Go ahead and set up yours now or hire SEO expert in Philippines!


Top 3 Things To Do in Napanee

Good business space in a good location? Yes please! With so many real estate projects left and right, it can become overwhelming to choose which ones you should get. Apartment hunting, business space hunting, and office hunting can be very tricky as there are so many things one has to consider. First on the list being the location.


Regardless of residential or commercial, the environment of where you are is important. It should be comfortable for you, your employees, and your customers, it should be accessible, and at the same time, safe. There must also be stuff to do on the weekends where your schedule is totally free from anything stressful.


Check out the activities you can do and places to go around Downtown Napanee! Get your shoes ready because it’s time to go out and unwind.


Napanee Trail Blazing

Explore the County Trails and be one with nature as you go around Eastern Ontario (LEnnox & Addington County) to view all the breathtaking views of nature. You can choose from a selection of different routes from this map (photo map courtesy of L&A County) — are you ready to take in the natural beauty of this place?

Night Sky Experience

Make stargazing one for the books with a heartwarming night sky experience with L&A County Dark Sky. Bring your family, friends, and/or significant other! Take some out of this world photos just like these (screen capture from L&A County’s website) and bond with your loved ones as you admire the stars. It’s the perfect way to end your day.

Napanee Golf & Country Club

Spend some quality time with your close buddy by hitting some balls  in a challenging yet beautiful and long lasting golf club, the Napanee Golf & Country Club. Established in 1897, it is said to be one of the oldest nine-course golf club in Canada, and has been providing a memorable golf experience to people for over a decade. Get your golf clubs ready and have some fun!

If you’re looking for more things to do and places to go, here are some of the attractions you must visit in Downtown Napanee!


Downtown Napanee Attractions:


  • Town Hall of Greater Napanee
  • Macpherson House Museum & Park
  • Sir John A Macdonald Mural
  • Lennox & Addington County Museum
  • Old Post Office
  • Human Sun Dial
  • Napanee River
  • Napanee River Falls
  • The Old CN Overpass
  • Dundas St 1900’s
  • Dundas St. 2010
  • Dundas St. looking East
  • CP Line at Old Bridge
  • CP Line 2010
  • Multicultural Festival
  • Fall Colours


For more details, you may check it out here in Downtown Napanee’s website. And some single property website  .



The location of your business or your office is vital because it affects your customer engagement and your employees work ethic. It’s also an ideal location if the environment of one’s work has a work-life balance aspect.


If you’re looking for the perfect commercial space to set up your business in, consider the beautiful place of Napanee! Ontario Land and Properties has several commercial spaces up for grabs. We have shop spaces that are as big as 1,000SF-5,000SF, and office spaces that are 120SF-150SF.


Just fill in our inquiry forms, send us an email, or give us a call! You may also visit our Facebook page at https://facebook.com/ontariolandproperties/ or explore right here on our website. Here at Ontario Land and Properties, opportunities are up for grabs!