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

  • Lowest Mortgage Rates Are Not Always The Best? Top 5 Reasons

    Lowest Mortgage Rates Are Not Always The Best? Top 5 Reasons In my 30 year mortgage career, it never fails to amaze me that rate is the only thing clients seem to want to talk about. At Robert Floris' Mortgage Architects office, both myself and Sean[...]

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    Will A Car Loan Prevent Me From Getting A Mortgage?

    Will A Car Loan Prevent Me From Getting A Mortgage? Maybe... The short answer to the question "Will A Car Loan Prevent Me From Getting A Mortgage?" is: maybe. When the bank (and the Canadian Government) decide if you can afford a mortgage or not,[...]

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    New Rules For First Time Homebuyers

    New Rules For First Time Homebuyers As everyone has probably already heard, the Canadian Government plans on introducing some New Rules For First Time Homebuyers thereby helping first time homebuyers afford a home. What Are The New Rules For First [...]

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    Mortgage vs Lien | What Is The Difference?

    Mortgage vs Lien When comparing a mortgage vs lien they are similar in the sense that they both entail placing an legal encumbrance on your property or asset. But that's pretty much where the similarity ends. Mortgage To help compare a mortgage vs[...]

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    How Much Does A House Appraisal Cost In Ontario?

    How Much Does A House Appraisal Cost In Ontario? At Robert Floris' Mortgage Architects Office in Hamilton, Ontario, we are frequently asked how much does a house appraisal cost in Ontario. First, let's discuss why banks ask for an appraisal [...]

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    Buy Down Your Mortgage Rate

    Buy Down Your Mortgage Rate How do you buy down your mortgage rate? Before answering that question, I think it is important to first discuss what it MEANS to buy down your mortgage rate. Then we can talk about the how. What Does It Mean To Buy Down[...]

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    Quick Mortgage Pre-Approval: Choose Quality Over Speed

    Quick Mortgage Pre-Approval: Choose Quality Over Speed When you look for a Quick Mortgage Pre-Approval online, you need to proceed with caution. Even the best of pre-approvals are still conditional. Pre-Approvals Are Superficial When a bank or a [...]

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    Mortgage Broker Disadvantages: Top 5 List

    Mortgage Broker Disadvantages: Top 5 List At Robert Floris' Mortgage Architects Office in Hamilton Ontario, we like to be completely transparent to educate our clients and help them make the best decision for themselves and their families; sometimes[...]

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    Mortgage Broker vs Bank

    Mortgage Broker vs Bank When you are deciding between using a Mortgage Broker vs Bank, you’re actually asking the wrong question. Mortgage brokers use banks. The question should be Mortgage Broker vs Mortgage Specialist. Mortgage Broker vs [...]

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    Good Mortgage Broker: Top 5 Qualities

    Top 5 Qualities Of A Good Mortgage Broker If you're looking for a Good Mortgage Broker you would be well advised to keep this checklist in mind and ensure your advisor has these characteristics. At Robert Floris' Mortgage Architects office in [...]

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