• Mortgage Life Insurance: Is It Right For Me?

    Is Mortgage Life Insurance Good for Me? Mortgage Life Insurance: A young couple, newly engaged had some to see me in the early 2000s to learn whether they could afford a new home. He was a long distance truck driver and she had an office job in [...]

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    Hamilton LRT If the Old Hamilton LRT was Lemons, Let’s Make Lemonade with the New Hamilton LRT What is the new Hamilton LRT? Affordable housing with Low Rent Tenants. It is quite simple. As a true Hamiltonian who was born, raised, educated [...]

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    Don’t Read at Your Own Peril This is the time of year that we receive our annual mortgage statements. We would love you to take 10 minutes and consider some beneficial tips to help you. WE CONSIDER THIS THE MOST IMPORTANT NEWSLETTER OF THE [...]

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    Reflections for your Mortgage 1. Change your Payment Frequency Changing your payments to weekly or biweekly accelerated will take a few years off of your mortgage. 2. Increase your Mortgage Payment YEAR ONE Mortgage Amount $400,000 Rate [...]

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    Are House Prices Going Up? I think so...

    Are House Prices Going Up? I think so… I, Robert Floris, feel very silly and why? I predicted that house prices would stay stale and would not go up. It appears that I may be wrong. Although I put a lot of thoughts in my comments, I may have [...]

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    1. Get pre-approval with us. 2. Call your realtor and describe the home you are looking for (or provide her with listings that you are interested in) and go have a look etc. 3. When you find one where you would like to make an offer, send it to us [...]

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    If you get a regular mortgage, you’ll likely get a better rate than a reverse mortgage; probably around 3%. But you’ll have to income qualify and more importantly, you’ll need to make hefty principle and interest payments to pay it down, [...]

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    If you can't afford the home that you want it may be because likely you don't have enough income to qualify for that level of a mortgage or you are carrying too much debt. The amount of income that can be used to qualify for a mortgage is offset by [...]

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    A bridge loan is a type of short term mortgage that is necessary when someone takes ownership of a new home prior to selling their old home. Not all institutional banks offer a bridge loan, but the ones that do have one strict criterion in common: [...]

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    Where Are Mortgage Rates Going in 2020? If you are in the mortgage industry, this is a question you consider every year: where are mortgage rates going? The short answer is that I do not know for sure. Predicting rates is really an educated guess. [...]

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