• Robert Floris CFP, AMP
    Lead Mortgage Agent
    M08004919
    905-574-9200 Ext. 215

  • In the theme of Halloween [OK I know it's over] a consistent question we receive at Robert Floris' mortgage architects office is that these small mortgage companies can be scary. Should our clients be worried? The answer should generally be yes for [...]

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    Every week at Robert Floris' Mortgage Architects office we get hundreds of mortgage and finance inquiries. The question we receive the most is what is the best mortgage for me? For sure, it's a different answer for everyone. We will look at the [...]

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    On January 1, 2018, the federal government of Canada tilted the mortgage market by having the regulation of banks in financial institute, the now famous mortgage stress test. At Robert FLORIS mortgage architects office in Hamilton, we have realized [...]

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    One of the best answered questions I give my clients is how much money do I need to purchase my home. Most clients have done a good job seeing the minimum required is 5%. But is this the most responsible answer? In reality, no. At Robert Floris [...]

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    Do I qualify for a mortgage? Many clients come to our office or we talk on the phone and they are petrified. Is it because I am a tough guy? I hope not. No, the fact that they are scared is because their knowledge of financing a home is close to [...]

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    A professional couple had called me this week to discuss a potential refinance. They were considering maybe a collateral mortgage with a line of credit component. I began with open-ended questions to narrow in exactly what their needs were. He was [...]

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    The newly introduced homebuyers incentive can be useful for first time homebuyers but there are homebuyer incentive risks. As you may already know, do we the new home buyer incentive program works is that the government contribute to your down [...]

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    Miss A Mortgage Payment? What Happens?

    Miss A Mortgage Payment? What Happens? I was working on a normal weekday when I received a call from a frightened and scared woman. Her husband just lost his job and she believed the bank was going to take her house back. After trying to reassure [...]

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    Get The Best Mortgage Rate - By Using Your Credit

    Get The Best Mortgage Rate - By Using Your Credit One of the most important ways to get the best mortgage rate is by building an excellent credit history and score. There are several elements to get the best mortgage rate. One of them is having the [...]

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    Late Mortgage Payments - Always Prioritize Taxes and Mortgage

    Late Mortgage Payments More and more people are coming to us lately claiming that they made late mortgage payments. The reasons will vary from renovations that went over budget to medical emergencies to just plain overspending on credit cards. [...]

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