Shows / Buying Florida
Buying Florida
Didier Malagies is a leader in the Tampa Bay Mortgage industry, serving Pinellas, Pasco, Hillsborough counties, and beyond with his sights set on educating residential and commercial buyers regarding Florida purchases. With over 20 years of expertise, Didier has built relationships with realtors, bankers, and clients based on integrity and his drive to provide the best customer experience in the state by being there from beginning to end of every purchase.
Whether you're looking to move…
Episodes
- Buying Florida
This time, it is not a mortgage crisis event, but this could be a great opportunity to buy
The housing market has certainly seen its share of headlines lately. With interest rates on the rise and a noticeable slowdown in sales, it's easy to feel a…
- Buying Florida
What to know about Condos when buying
Does the 2027 Budget Have the 15% Reserves Needed to Get a Mortgage? One of the most significant changes impacting condo buyers and associations alike is the…
- Buying Florida
Is it interest rates or maybe the price of homes
The Real Hurdle to Homeownership: Why It's Home Prices, Not Just Interest Rates Are you dreaming of buying a home but feeling discouraged by what you hear…
- Buying Florida
Are rates going to 8 or 9%
The dream of homeownership often comes with a financial roadmap, carefully planned out to fit within a comfortable budget. But what happens when the very…
- Buying Florida
Another way to see which way interest rates are going and the importance of having the mindset of a builder and listening to your realtor
Have you ever noticed how the price at the gas pump seems to send ripples through other areas of your finances? It's not just your grocery bill or your daily…
- Buying Florida
Existing home sellers may be the time to take the Lennar building approach to sell your home
Why Existing Homeowners Should Sell Like Lennar: Mastering the Rate Buy-Down Strategy The housing market feels a bit like a high-stakes poker game right now…
- Buying Florida
Mortgage stats and is it a good time to buy
Seizing the Moment: Why Today's Housing Market is a Buyer's Dream Have you been watching the housing market, perhaps feeling a mix of hope and hesitation? For…
- Buying Florida
Is the mortgage refinancing non - existent
Is the Mortgage Refinance Non-Existent Today? Navigating Debt Consolidation Options The financial landscape has shifted dramatically, leaving many homeowners…
- Buying Florida
Appraisal is changing withe new UAD 3.6, definitely tune in and learn of the changes
Navigating the New Era of Residential Appraisals: Understanding UAD 3.6 For anyone involved in buying, selling, or financing a home, the appraisal process has…
- Buying Florida
Is it time to consolidate your debt into a second mortgage
Could a Second Mortgage Be Your Path to Lower Monthly Payments? Do you ever look at your monthly bills and feel overwhelmed? Maybe you're juggling payments for…
- Buying Florida
I am 64 and turning 65 next month, is it time for a Reverse Mortgage
Is 65 the Right Time for a Reverse Mortgage? What You Need to Know Turning 65 is a significant milestone, a moment often filled with reflection on the past and…
- Buying Florida
Listings are up in 2026 and did you know about the foreclosures coming up and the kids who still live at home and the opportunity for them
2026 Listings Are Up: Navigating FHA Foreclosures and Empowering Young Homebuyers The real estate landscape is constantly shifting, and as we look ahead to…
- Buying Florida
Is it time to consolidate your debt into a second mortgage to increase your monthly cashflow
Could a Second Mortgage Be Your Path to Lower Monthly Payments? Do you ever look at your monthly bills and feel overwhelmed? Maybe you're juggling payments for…
- Buying Florida
Did your loan just get sold, what do I need to do
What to Do When Your Mortgage Loan Has Been Sold: A Guide to Verification and Protection Imagine this: you open your mail to find a letter stating that your…
- Buying Florida
Is it time to refinance, the answer is NO _ but are you preparing for that time to come
Is It Time to Refinance Your Mortgage? Not Yet, But Get Ready! The financial landscape can often feel like a turbulent sea, with waves of economic news…
- Buying Florida
Gift of Equity purchasing a home
Gift of Equity: Making Your Kids' Homeownership Dream a Reality with Family Support Imagine this common scenario: your adult children are ready to take the…
- Buying Florida
Asset based lending to qualify for a mortgage
Qualify for a Mortgage Using Your Assets: A Smart Path to Homeownership Have you ever found yourself in a frustrating situation where you have a healthy nest…
- Buying Florida
Talk about going from Fico to Vantage, what will that do for you regarding your credit score
Navigating Your Credit Score: FICO, VantageScore, and Your Mortgage Future For decades, the mention of a "credit score" has almost universally brought FICO to…
- Buying Florida
Qualifying for a mortgage 10 years ago and now today
Qualifying for a Mortgage: Why Today's Market Feels Different Than a Decade Ago Remember when buying a home felt a little more within reach? Maybe you or…
- Buying Florida
Getting a 2nd mortgage on your commercial property
For many commercial property owners, the idea of a second mortgage might sound familiar from the residential world, but its application in the commercial…
- Buying Florida
What happens to the condo questionnaire when not being answered, is there a solution
Condo Questionnaire Not Fully Answered? Don't Let Your Loan Collapse! Imagine finding your dream condo, going through the excitement of an accepted offer, only…
- Buying Florida
Are you listing your home at the right price and buyers seeing homes going under contract quickly
Navigating Today's Housing Market: Why Your Realtor's Advice is Priceless I recently had a fascinating conversation with one of my potential buyers, and their…
- Buying Florida
What is going on with interest rates?
Understanding Interest Rates: How Global Events Shape Your Mortgage Future Ever feel like the world's events are playing a direct role in your household…
- Buying Florida
The Condo Management association are not answering all the questions for the condo approval process, what happens then?
Navigating Condo Questionnaire Challenges for Mortgage Approval with DDA Mortgage Buying a condominium can be an exciting journey, offering a unique blend of…
- Buying Florida
What are some of the things AI is having problems with
Navigating AI for Second Mortgages: Avoiding Delays and Frustration The promise of Artificial Intelligence in the mortgage industry is exciting: faster…
- Buying Florida
Do I qualify for a mortgage?
Do I Qualify for a Mortgage? Your Path to Homeownership Starts Here The dream of owning a home is a powerful one, but for many, the path to achieving it can…
- Buying Florida
Average age for a first time median home buyer
The Evolving Dream: Average Age of First-Time Homebuyers from 1980 to 2025 The dream of homeownership remains a cornerstone of the American spirit, a powerful…
- Buying Florida
AI is doing the uw, appraisal, title, and also feeding me leads everyday
How to Integrate AI into Your Mortgage Business and Thrive The mortgage industry is undergoing a rapid transformation, and if you haven't felt the tremors yet…
- Buying Florida
Higher rates on credit cards, car loans, and is your student loan increasing in balance each month
Is High-Interest Debt Weighing You Down? Consider a Second Mortgage for Financial Relief Are you feeling the squeeze from relentless high-interest rates on…
- Buying Florida
Mortgage stats on how much more money you need to make to buy a home
Navigating the New Reality: Why Homeownership Costs Have Doubled Since 2016 Remember 2016? It might not feel like ancient history, but a lot has changed in the…
- Buying Florida
Is it time to refinance given the present market conditions
Is Now the Right Time to Refinance Your Mortgage Amidst Middle East Uncertainty? The world feels a little more uncertain these days, doesn't it? With job…
- Buying Florida
Is it time to think about getting a HECM, with the cost of everything going up in your retirement
Is Rising Inflation Eating Away at Your Retirement Savings? A HECM Could Help Ouch! Did you wince at the gas pump today? We all did. It feels like the cost of…
- Buying Florida
More mortgage stats for you
Navigating the 2025 Mortgage Landscape: Opportunities in a Changing Market Are you feeling the squeeze of today's housing market? You're not alone. With…
- Buying Florida
Fannie Mae, Freddie Mac announce revisions to condo insurance standards Updates include investor concentration limits, a limited review process, and expanded waivers of project review
Here’s a clear breakdown of what’s actually happening with the new Fannie Mae / Freddie Mac condo insurance + project review changes (March 2026) and what it…
- Buying Florida
Up to a 100% financing on an SBA 7a loan
Stop Renting, Start Owning: SBA 7(a) Loans for 100% Commercial Financing Imagine this: Instead of writing that rent check every month, you're making a mortgage…
- Buying Florida
How is AI going to change the mortgage industry
How is AI Going to Change the Mortgage Industry? The mortgage industry, built on relationships and intricate processes, is facing a potential revolution. The…
- Buying Florida
Reduced fees on title, such as no lender's policy on du findings on a refinance
Refinance Fee Savings: How to Lower Your Costs on Title, Appraisal, and Credit Refinancing your mortgage can be a smart move, potentially saving you thousands…
- Buying Florida
Does a cashout refinance make sense since rates have dropped
Is a Cash-Out Refinance the Right Choice Now That Mortgage Rates Have Dropped? Feeling squeezed by high-interest debt? Credit card bills piling up? Are those…
- Buying Florida
Rate term refinance and what about points
Rate & Term Refinancing in Florida: Is Now the Right Time? Are you staring at your mortgage statement, wondering if there's a better deal out there? You're not…
- Buying Florida
What Financial Stress Looks Like for Retirees Over 62
Financial Stress for Retirees Over 62: How to Ease the Burden The price of everything seems to be creeping higher, doesn't it? From the gas pump to the grocery…
- Buying Florida
40% of all mortgages last year were refinances
a large share of the refinances in 2025 were indeed driven by homeowners taking cash out of their home equity to consolidate debt or tap housing wealth, not…
- Buying Florida
Asset based lending with no min fico score
12-Month Bridge Loans with interest-only payments • Cash-Out Refis, Purchase Loans, Second Liens, and Portfolio Loans • Nationwide lending on non-owner…
- Buying Florida
Does your condominium association needs funds for a new roof or other big items
1. HOA / Condo Association Loans (Most Common) These are commercial loans made directly to the association, not individual unit owners. Typical uses Roof…
- Buying Florida
Interesting stats on mortgages for 2025
There are now more loans with interest rates over 6% than those with rates under 3%. 40% of the volume closed were refinances, and 30% of the loans done were…
- Buying Florida
Do you need cash out, or consolidate, or have no mortgage payment
💡 Option 1 — Cash-Out Refinance Meaning: Replace your current mortgage with a larger loan and take the difference in cash. Bankrate Often lower interest rate…
- Buying Florida
Closing in January when the property taxes are super low
When someone has lived in a home for many years, their property taxes are often artificially low because of long-standing exemptions and assessment caps (like…
- Buying Florida
Refinancing, are you being told the truth when they offer a super low rate and no closing costs
Headline ads often quote temporary buydowns, ARM teaser rates, or perfect-credit scenarios that very few borrowers qualify for. The real, fully indexed 30-year…
- Buying Florida
Fed dropped the rates but also did something from old playbook, printing 40 billion a month in QE
If the **Federal Reserve cuts interest rates by 0.25% and simultaneously restarts a form of quantitative easing (QE) by buying about $40 billion per month of…
- Buying Florida
closed a second mortgage in 3 hours, that is for real
That is wild — and honestly a sign of where mortgage tech is heading fast. A three-hour closing versus three days used to be unheard of. What likely made it…
- Buying Florida
Fed is cutting rates does that help us on the mortgage side and lets close your loan this month for homestead
✅ Why mortgage rates can rise even when the Fed cuts rates Mortgage rates don’t move directly with the Fed Funds Rate. Instead, they are primarily driven by…
- Buying Florida
New Loan limits have increased in 2026
Here are the anticipated conforming loan limits for Fannie Mae / Freddie Mac for 2026 (pending official announcement by the Federal Housing Finance Agency)…
- Buying Florida
FNMA now has no credit scores when applying for a mortgage
What Does “No Credit Score Mortgage” Mean (for FNMA) Policy Change As of November 15, 2025, Fannie Mae’s automated underwriting system (Desktop Underwriter, or…
- Buying Florida
What would the 50 year amortization mean
✅ the principal you borrowed ✅ all interest paid over the years ❌ It does NOT include taxes, insurance, or HOA unless noted. Because longer terms spread…
- Buying Florida
My prediction on what is going to happen next
Here are the main types of events that typically cause the 10-year yield to drop: Economic slowdown or recession signs Weak GDP, rising unemployment, or…
- Buying Florida
Fed dropping rates next week , what does that exactly mean
🏦 1. Fed Rate vs. Market Rates When the Federal Reserve cuts rates, it lowers the federal funds rate — the rate banks charge each other for overnight loans…
- Buying Florida
What is trending right now in the mortgage business
1. FHA Streamline Refinance Purpose: Simplify refinancing for homeowners who already have an FHA loan — lowering their rate or switching from an ARM to a fixed…
- Buying Florida
using other ways to qualify for a mortgage besides using tax returns
Here are alternative ways to qualify for a mortgage without using tax returns: 🏦 1. Bank Statement Loans How it works: Lenders review 12–24 months of your…
- Buying Florida
Now offering 3rd Mortgages
A third mortgage is an additional loan secured by the same property after a first and second mortgage already exist. It’s essentially a third lien on the…
- Buying Florida
Always look at the 10-year treasury
Great question — the 10-year U.S. Treasury Note (T-Note) is one of the most important benchmarks in finance, and it’s tightly linked to interest rates. Here’s…
- Buying Florida
AI underwriting compared to Human underwriting
Speed & Efficiency AI Underwriting: Processes applications in seconds to minutes. 1.Can instantly pull data from multiple sources (credit reports, bank…