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    Robert Floris CFP, AMP
    Lead Mortgage Agent
    M08004919
    1-855-55-TRUST
    mortgages@robertfloris.com

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  • Sean Howard BSc, MSc
    Mortgage Agent
    M17001956
    905-966-1453
    info@buildequity.ca

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  • Should I Put 20% Or 15% Down?

    Feb

    9

    | Blog First Time Homebuyers Home Buyers Mortgages | Robert Floris
    Should I Put 20% Or 15% Down?

    Is It Better To Put 20% Or 15% Down? When purchasing a home, most people try to reach the 20% down payment mark to avoid the CMHC charge. That seems intuitive but let's looks at the numbers. Let's take a $500K purchase price as an example and [...]

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    Hamilton Real Estate 2022: A Year In Review

    Jan

    4

    | Blog Existing Homeowners First Time Homebuyers Home Buyers Mortgages | Robert Floris
    Hamilton Real Estate 2022: A Year In Review

    Hamilton Real Estate 2022: A Year In Review For Hamilton Real Estate And Mortgage Rates The 2022 Hamilton real estate and mortgage rate scenario can be summed up by one word: tumultuous. This monthly review will demonstrate the roller coaster ride [...]

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    Can I buy a house with 0% down?

    Dec

    27

    | Blog First Time Homebuyers Home Buyers Mortgages | Robert Floris
    Can I buy a house with 0% down?

    Can I buy a house with 0% down? The short answer to the question “can I buy a house with 0% down?” is: Yes! However, there is a BIG HUGE BUT!!!!!! First, let’s discuss what down payment and closing costs are. When you purchase a home for a [...]

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    Mortgage Stress Test Unchanged: Poor Decision By OFSI

    Dec

    15

    | Blog Existing Homeowners First Time Homebuyers Home Buyers | Robert Floris
    Mortgage Stress Test Unchanged: Poor Decision By OFSI

    Poor Decision To Keep Stress Test As Is Today the government agency OFSI announced that the infamous mortgage stress test would remain unchanged. In our opinion, this is a very poor decision because it targets and prevents prospective homebuyers[...]

    Read more

    Why Millennials Will Continue To Struggle To Buy Their First Home

    Dec

    14

    | First Time Homebuyers Home Buyers Mortgages | Robert Floris
    Why Millennials Will Continue To Struggle To Buy Their First Home

    Why Millennials Will Continue To Struggle To Buy Their First Home As a father of two kids who are millennials, it hurts to share these facts. Escalating rents have forced both Canadian and American kids between the ages of 20 [...]

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    Are your mortgage payments becoming unaffordable?

    Nov

    14

    | Existing Homeowners Mortgages | Robert Floris
    Are your mortgage payments becoming unaffordable?

    Are your mortgage payments becoming on affordable? In the past year and a half the prime rate in Canada has gone up by 3.5%.​ depending on the size of your mortgage and whether you are in a fixed or variable rate mortgage, this has[...]

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    What is a collateral switch mortgage?

    Nov

    9

    | Existing Homeowners Mortgages | Robert Floris
    What is a collateral switch mortgage?

    Before answering the question, what is a collateral switch mortgage, we should first answer the question, what is a collateral mortgage? A collateral mortgage is a mortgage where the lender has registered a larger amount on title on [...]

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    What happens if my appraisal comes in low?

    Oct

    17

    | Existing Homeowners Mortgages | Robert Floris
    What happens if my appraisal comes in low?

    What happens if my appraisal comes in low? In a declining real estate market like the one we are having, it can be a serious problem when securing a mortgage if the appraised value comes in lower than expected. At the moment we are [...]

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    Should I declare bankruptcy?

    Oct

    14

    | Existing Homeowners First Time Homebuyers Home Buyers Mortgages | Robert Floris
    Should I declare bankruptcy?

    Should I declare bankruptcy? Bankruptcy may seem like an easy solution. But if you are thinking about declaring bankruptcy, make sure you understand all of the consequences and make sure that it is worth it! We have had clients who [...]

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    What is the best mortgage product for you? Fixed or variable mortgage?

    Oct

    2

    | Blog Existing Homeowners Home Buyers | Robert Floris
    What is the best mortgage product for you? Fixed or variable mortgage?

    What is the best mortgage product for you? Fixed or variable mortgage? Sean and I get asked the question more than any other question. As advisers, we do try to study the trends of mortgage rates and where they are going in the near future and [...]

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    • Robert Floris & Sean Howard : Mortgage Architects
      Robert Floris & Sean Howard : Mortgage Architects
      5.0
      Based on 229 reviews
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      review us on
      Christine Yanke
      Christine Yanke
      18:22 06 Mar 23
      I have known Robert for over 30 years in fact, he has been my mortgage agent since 1988. What I really respect about Robert is that he is not only passionate about what he is doing but he goes above and beyond to make sure that you have thought out every step and scenario before signing the dotted line. And, he does the work to make sure he is getting the best for you. He truly is an advisor or better yet coach because he wants to make sure this decision you are making is absolutely the right one. And, that has meant so much to me over the years. He spends the time no matter how much that is, to ensure you are walking away happy. I highly recommend Robert. He is the best of the best in this industry!
      Paul Jewell
      Paul Jewell
      18:33 17 Jan 23
      My wife and I purchased a townhouse a couple of years ago. After multiple delays, including a long one due to Covid, the time came to arrange financing. Due to various circumstances, we were not in a position to sell the house we were in, so we had to try and arrange an equity-only mortgage. Both of us being retired, with only our pensions as income, none of the banks were interested in helping us.Our daughter and son-in-law recommended a mortgage broker in Hamilton, Robert Floris, that they had dealt with on a number of occasions in the past. When I contacted Robert, he was the nicest person to talk to and reassured me that he could help us. Robert introduced me to his business partner, Sean Howard, who took it from there.In all our dealings, Sean has always been most approachable, always ready to listen to problems and apply his expert knowledge to sort them out. He really seems to care about his clients and he was able to come up with the solution to the situation we were in.I have found Sean to be kind, sympathetic, very knowledgeable and I have no hesitation in recommending him if ever you are looking for a mortgage.
      Amber Wilson
      Amber Wilson
      23:48 28 Oct 22
      We cannot thank Sean Howard enough for everything he has done for us, amazing broker, very patient.Always looking out for our best interest and very informative.Sean has always been up front and honest right from the beginning.He never quits and always finds an option.He takes away the added stress when its already very stressful buying a home.My husband and I would highly recommend Sean, we are very happy and it wouldn't have gone so smooth without his expertise and advice.
      Sarah Chambers
      Sarah Chambers
      17:57 03 Oct 22
      I was in a real bind and needed a mortgage quickly! After making several calls to various mortgage brokers , I grew even more frustrated with their slow process and not being able to reach them to ask questions and get straight answers.More searching online and I came across Mortgage Architects here in Hamilton. I called and spoke with a very kind and patient mortgage broker, Sean Howard. After explaining my stressful situation and that I needed a mortgage very quickly, Sean immediately put me at ease with his compassion and positive nature. He always had back up plans in place so that I never worried about not getting my mortgage in time. He was truly there for me 24/7 always returning any calls or emails right away. I'm over the moon because I got approved for my mortgage exceptionally fast. He jumped through a few hoops for me and went above and beyond what I thought was possible. I am forever grateful to him. I can honestly, and fully recommend Sean Howard for your mortgage broker.🙏🤗Sarah Chambers, Hamilton, ON
      Amanda
      Amanda
      20:08 25 Aug 22
      I first heard of Sean from my boyfriend when he was looking at a property for himself. He was super impressed with Sean, so naturally when my mortgage came up for renewal, he was the first person I went to. He is very very knowledgeable. This year is a tough year to renew with interest rising and his knowledge of the industry landed me a very competitive rate and I could not be happier with the outcome. He responded to any inquiries quickly and thoroughly. He has even responded to us on weekends and after hours. He is excellent at explaining things. He had my best interests in mind throughout the entire experience. I will be recommending Sean to family and friends and trust him to provide the same service I have received.
      JENN M
      JENN M
      20:34 29 Jul 22
      I had the pleasure of working with Sean on a time sensitive deal.First off, he executed with extreme professionalism, while displaying much dedication and empathy.When I felt like giving up, Sean's assurance that it would all work out helped in leaps.Throughout the entire process, from aligning the right people along the way, made for a rather smooth deal. Full transparency was always at the forefront and my questions were answered in a timely fashion.I would definitely recommend and continuing working with Sean, as I have full confidence and trust in what he does, as his clients' needs are met.SEAN, I THANK YOU.JENN
      Dan Vidic
      Dan Vidic
      17:50 28 Jun 22
      My wife and I just purchased our first home, and we used Sean Howard as our Mortgage broker after hearing about the great experience our close friends had with him.From our initial conversation, to getting us pre-approved right away (to lock in the rate before the hike), to the actual approval process, our experience with Sean could not have been better. He made sure we both fully understood all the parameters of the complicated mortgage process and made it easy for us to make an informed decision on our home. When we were putting in offers (often after hours to meet deadlines) Sean was responsive right away to work with us to provide our best offer. Once we found the house, he provided all the options available and his advice on what he thought was best for us. This was during the start of all the interest rate hikes which made things more difficult, but we were happy with the decision we ultimately ended up making with Sean's help. He seemed genuinely interested in helping us find our ideal home suited to our income and needs, not just to get our business.If you are in the market for a new home and need a mortgage broker, don't look any further than Sean Howard. You will not be disappointed with his exceptional customer service, professionalism and expertise in finding the right mortgage for you.Thanks so much Sean for all your work!
      Chris Oswin
      Chris Oswin
      19:00 24 Feb 22
      Robert Floris helped my partner and I get our first mortgage. He helped us learn about our options and explained all the different terminologies or packages available. He made the process easy, fun, and stress free and was very helpful if we had any questions at any point in the process. Robert is extremely welcoming but also completely honest with us on what was affordable and realistic for our incomes. He managed to get us a very competitive interest rate on our variable mortgage and we could not be more pleased. Thank you Robert!
      See All Reviews
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    855-55-TRUST (87878)
    mortgages@robertfloris.com
    info@buildequity.ca

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    Mississauga, Ontario, L4Z 3P8
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