• Many Canadian mortgage consumers have to decide whether a fixed term mortgage is good for them. At Robert FLORIS' Mortgage Architects office in Hamilton, it is no different. Whether it is a purchase, transfer or refinance, the selection of the [...]

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    Hamilton Housing Market: What Price Is Right?

    Hamilton Housing Market: What Home Price Is Right For Me? Kyle had found our Mortgage Architects office after reading our reviews. He came into our office after work still dressed in his trades clothing. They say never judge a book by its cover. [...]

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    Mortgage Discharge Fees Can Be ExpensiveWhen we are helping our clients to consolidate debt or even purchase a home, sometimes due to circumstances such as bad credit we have no choice but to use a private lender. One of the reasons why we don't like[...]

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    First Time Homebuyers Incentive (FTHBI)

    First Time Homebuyers Incentive (FTHBI) Should Be Used As A Last Resort Here’s why the first time homebuyers incentive should be used with caution: In the first time homebuyers incentive, the Government owns an equity stake in your home. When[...]

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    Hamilton Housing Hot - But Not In Every Area

    Some areas of Hamilton housing market are still doing fine. If you're looking for Hamilton housing under a half 1 million or condos under 400,000 you are in stiff competition. Hamilton real estate board statistics indicate multiple offers for [...]

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    Committing to a mortgage for five long years exposes people to the most insidious aspect of residential financing: prepayment charges. And when it comes to such charges – the penalties you pay come when you back out of your mortgage early – some[...]

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    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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