Hi, my name is Michael Fortin and I have been a mortgage specialist for over 20 years. During that time, we have seen many changes in the mortgage landscape. The decision is more complicated than it has ever been – more choice and of course more decisions to make. That said, at the same time there seems to be a push to move quickly and have an application done in five minutes and a focus on the lowest rate. This sounds great, but I would encourage you to take some time – lets say how long it takes to watch an average TV Show – an hour – to make an informed decision.

That is where I come in. We need to know a few details – not a biography – but some information about you, what you are buying, how long you plan to keep the property, how do you feel about risk and a few other details to help you make a better decision. Did you know that penalties can be very different from one lender to another or that a variable mortgage can be less risky than a fixed rate mortgage? Let’s take a few minutes and make sure you don’t save a few bucks every month and then end up paying that and a lot more a few years down the track.