Real Estate and Mortgage Institute of Canada Inc.
2175 Sheppard Ave E, Suite 307
Mississauga: 1065 Canadian Pl, Suite 203
t: 1-877-447-3642     e:

Staff: Management & Support Team

Joe White
President and CEO

Joseph J. White has been involved in 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.

Director, Education and Training

Cain Daniel has held positions with both a national mortgage brokerage firm and an Ontario Credit Union for the past 5 years.  His previous roles include training and development for a national financial services company, as well as an instructor while in Germany.  (more…)

Raelene Bailey
Student Services, Customer Care Specialist

Raelene Bailey, REMIC’s Student Services, Customer Care Specialist, is a valued member of the REMIC team.  She brings passion and dedication to assisting all of REMIC’s students to ensure that their REMIC experience is exceptional.


REMIC Mortgage Agent Course
Office Manager

Tearesse Deonarine is our Office Manager at our Head Office at 2175 Sheppard Avenue East, suite 307.  Tearesse is dedicated to our students and goes above and beyond to provide phenomenal support.  We are lucky to have Tearesse as part of our team!

Holly Deroia - REMIC
Director, Business Development

Holly brings a wealth of experience to the REMIC team from her more than 20 years of business development in financial services.

Her passion and dedication to all those she works with makes her an invaluable asset to REMIC.

Staff: Professors

Kevin Rallings

Kevin, one of REMIC’s longest teaching mortgage agent Professors has a vast wealth of knowledge that he loves to impart to his students.  Hailing from Australia, Kevin has been brokering for most of his life.  

His passion for helping his students excel in the course and his ability to provide real life examples makes him appreciated by all of his students.

Clive Coke, REMIC Professor, Mortgage Agent Course

Clive is a valued member of REMIC’s teaching staff, bringing a passion and high level of caring that all of his students appreciate.  

Clive has vast experience in the mortgage industry, from brokering to lending, and loves adding value to all of his students.


Lior Hershkovitz is an instructor of the REMIC mortgage agent course for licensing of mortgage agents in Ontario. REMIC’s course is approved by FSCO. Lior brings a wealth of knowledge and experience to the team, says REMIC President Joseph White.

Blair Anderson, Professor, REMIC Mortgage Agent Course

An educator, experienced mortgage professional, published author, active mortgage industry participant, Blair is a champion of numerous mortgage education initiatives in corporate, and online arenas. Blair is the Principal Broker at Anderson Associates Mortgage Brokers in Hamilton, Ontario. He is also a Professor at the Real Estate and Mortgage Institute of Canada.

A veteran of the Canadian residential mortgage industry, Blair was recognized by the International Quality & Productivity Centre in 2000 for his early pioneer work using the internet, and was a keynote speaker at the first ever Canadian conference of its kind – NetMortgage Canada. At the 2013 Canada Mortgage Awards, Blair was a finalist in the “Best Internet Presence” category, as founder of the industry’s social network,

Rosemary Pulla, Professor, REMIC Mortgage Agent Course
  • Manager with 20+ years of experience in financial institutions in areas of  credit risk management, credit product compliance, product and project research and development;
  • Subject matter expert, supported cross-functional projects, consulting in key risk management including credit risk management, fraud, anti-money laundering, operational risk projects, and mortgage quality assurance/compliance (knowledgeable about regulatory and credit risk policies / portfolio management)
  • Facilitator of internal / external audits addressing audit deficiencies and working with business stakeholders to respond appropriately
  • Creator, passionate about new product /process innovative solutions that deliver customer needs, increase revenue, and expand market share growth;
  • Collaborator, proven ability to lead, and motivate others
Steve Fabian, Professor, REMIC Mortgage Agent Course

Steve Fabian is a  valued member of the REMIC team, having been a Professor with REMIC since 2010. 

Steve Fabian is a Director in MCAP’s Toronto office. He is responsible for originating, structuring, and closing term, subordinate, construction and mezzanine real estate debt transactions including CMHC insured financing for a variety of real estate owners, investors and developers.

Steve joined MCAP in 2013 and has over 15 years of experience in the Real Estate and Commercial Finance industry.  He started his career with the chartered banks and then with a major non-bank lender in a variety of progressive positions including branch office management, credit management and national business development.  Steve became a mortgage broker in 2008, most recently as Principal Broker of a small private syndicator/investment administrator.  Steve holds a BA from York University and an MBA from the University of Hertfordshire

Karl Marshall - REMIC HLLQP Professor

Karl Marshall is a REMIC HLLQP (harmonized life licensing qualification program) Professor.  Karl brings a wealth of insurance experience to REMIC and is considered to be one of the industry’s foremost trainers.


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