Most mortgage brokers would never tell you this, but did you know that when your mortgage comes up for renewal, it is often easier just to renew with your existing lender??

However, there is a big catch. When your lender sends out their renewal documents, most people will just sign on the dotted line and continue along on their merry way. Here is the problem with that approach: the lenders will likely offer you their posted rate, which is not their best rate. Robert Floris, in the interest of always doing what is best for the client and not what is best for his pocket, will often advise clients to use his knowledge and expertise to negotiate a better rate with their existing lender thereby avoiding the headache of a new application and qualification process.

What does he get out of it when you do this? The satisfaction of doing the right thing. And the trust of his clients who will hopefully tell their friends and family.

This is just one of the free services that Robert Floris offers at his office in Hamilton Ontario.

If you are changing something about your mortgage (like refinancing to do renovations for example), then it’s a whole different ball game and even more reason to speak with Robert first.

Robert Floris is a Mortgage Agent located on the East Hamilton Mountain, serving Hamilton and the GTA and Ontario. He not only offers the best mortgage rates, but also honest advice and a financial plan at no charge to the client.

Robert can be contacted at 905-574-9200 Ext. 215 OR by email at mortgages@robertfloris.com. You can fill out an application online at https://application.malink.ca:8112/App/MARC/FLORISR/en-ca/1896 with absolutely no pressure and no obligation.

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