Fairness. Honesty. Trust.

Choosing a mortgage is about more than finding the lowest advertised rate. You need to know that the person advising you understands your situation, is giving you the whole picture, and is recommending a mortgage because it makes sense for you.

That's how we approach our business.

We're a small, hands-on mortgage team. When you work with us, you deal directly with Robert Floris and Sean Howard — the same experienced Mortgage Agents who review your application, discuss your options and help guide your mortgage through to closing.

Advice, Not a Sales Pitch

We believe our job is to help you make an informed decision, not pressure you into making one.

We'll explain the options available to you, including the advantages and disadvantages, and answer your questions in plain language. If we believe staying with your current lender or choosing an option we can't provide is the better decision for you, we'll tell you.

Sometimes people contact us simply because they want a second opinion on a mortgage they've already been offered. We're happy to provide one.

Our goal isn't to win every transaction. It's to earn your trust.

More Than Just a Mortgage Rate

A competitive rate matters, but it isn't the only thing that matters.

Mortgage penalties, prepayment privileges, portability, restrictions, flexibility and the way a mortgage fits with your future plans can potentially matter far more than a small difference in interest rate.

We look at the mortgage as a whole and explain the trade-offs so you can decide what's important to you.

When the Mortgage Isn't Straightforward

Not every mortgage application fits neatly into a bank's guidelines.

You may be self-employed, have bruised credit, be carrying too much debt, own an unusual property, have income that's difficult to document, or have been turned down by your bank.

That doesn't necessarily mean there isn't a solution.

We work with a wide range of lenders and take the time to understand the entire situation before determining what options may be available. And if there isn't a good solution right now, we'll tell you that too — and, where possible, help you understand what could put you in a better position in the future.

We're Here After the Mortgage Closes

Our relationship with our clients doesn't end on closing day.

Mortgages last for years, circumstances change, and questions come up. We're here when it's time to renew, refinance, move, purchase another property or simply figure out whether making a change makes financial sense.

Many of our clients return to us years later and refer their friends and family to us. That's the kind of business we've worked to build.

Talk to Us

Whether you're purchasing a home, refinancing, approaching a mortgage renewal or dealing with a more complicated financial situation, you're welcome to contact us.

There is no obligation and no pressure.

Sometimes the best place to start is simply a conversation.