Joe 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.

Cain Daniel has been involved in the mortgage and education industry since 2010. He is a licensed mortgage agent as well co-founder of a small boutique mortgage brokerage in Ontario. Cain has previously held positions with both a national mortgage brokerage firm and an Ontario Credit Union. His previous roles include training and development for a national financial services company, as well as an instructor while living abroad.

Cain Daniel has maintained his position at REMIC a for the past 10 years and has positioned himself as an integral part of REMIC’s strategic planning, process implementation and business development. His work with sales training modules, marketing content, and social media workshops has helped give REMIC students the competitive edge they need to succeed.

Cain Daniel continues to help mortgage brokerages grow their businesses through the implementation of training programs designed to increase their market share and overall agent performance.