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

  • 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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    Borrow The Down Payment To Purchase A Home - PROCEED WITH CAUTION!!!!!!

    Borrow The Down Payment To Purchase A Home Today we had a couple in our Mortgage Architects Office that got themselves into a bit of a jam. On some bad advice from their realtor, they decided to borrow the down payment from a friend to purchase a [...]

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    What Is Your Financial IQ? Pay Yourself First!

    What is your financial IQ? If you have ever visited our office located on the East Hamilton Mountain, there is a good chance that you have heard our speech which includes "pay yourself first". We are happy to say that in a recent article by Rich [...]

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    Getting A Mortgage - Sometimes It's Better To Wait

    Getting A Mortgage - Sometimes It's Better To Wait I met with a young couple recently who desperately wanted to purchase a home and enquired about getting a mortgage. After doing my due diligence with them and checking the 3 main criteria needed [...]

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    Fake Documents To Get A Mortgage - More Common Among Millenials

    Fake Documents To Get A Mortgage It is called mortgage fraud when you fake documents to get a mortgage. Whether you try to qualify for a mortgage by exaggerating your income on your letter of employment, notice of assessment or T4, it is fraud. [...]

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    Top 8 Reasons To Refinance - Why Good Mortgages Are Good Business

    Top 8 Reasons To Refinance When discussing the top 8 reasons to refinance, it is important to keep in mind that good mortgages make good business. It was your very normal family with two sons. The couple worked very hard and played hard. The [...]

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