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
What is happening to interest rates?
tune in and learn more at https://www.ddamortgage.com/blog the train left the station from the 2% range up to the 4% range and learn on second homes and…
- Buying Florida
Time to grow your business, working capital, inventory, purchase of a building
Existing buildings or land New facilities Long-term machinery and equipment Or the improvement or modernization of: Land, streets, utilities, parking lots and…
- Buying Florida
Asset Depletion maybe the way to go to qualify for your next home if you do not have the w2s to qualify
tune in at https://www.ddamortgage.com/blog self employed not showing enough income to qualify just started your own business and do not have w2s do not have a…
- Buying Florida
Minimal down payment on a Jumbo Mortgage
tune in and learn at https://www.ddamortgage.com/blog as little as 3.5% down up to 1.5 million no monthly pmi 5% up to 1.75 million didier malagies nmls#212566…
- Buying Florida
Self employed with too many write-offs to buy a home
tune in and learn at https://www.ddamortgage.com/blog to many write-offs self employed great deposits in your business bank statements? tune in and learn what…
- Buying Florida
Why did my mortgage payment go up?
tune in and learn at https://www.ddamortgage.com/blog property taxes go up insurance go up if you have a fixed rate that doesn't change what can you do to…
- Buying Florida
Don't forget about the FHA and Va loans when getting your Pre-approval letters
tune in and learn at https://www.ddamortgage.com/blog VA - allowed 48 hours to provide additional comps VA- can go directly to Va on the appraisal fha great…
- Buying Florida
What is a good time frame to get a purchase done in this environment
tune in and learn at https://www.ddamortgage.com/blog what is taking the longest in the loan process what needs to happen to make it work quicker what is…
- Buying Florida
buying commercial property with 0% down
business owner for 2 years a credit score of 650 51% owner occupied https://www.ddamortgage.com/blog didier malagies nmls#212566 dda mortgage nmls#324329…
- Buying Florida
Interest rates on Second Homes have gone up
tune in and learn more at https://www.ddamortgage.com/blog interest rates are higher on second homes again also on Jumbo mortgages why are they jumping up what…
- Buying Florida
condo questionnaire fees are going up and taking longer on a mortgage
costs are going up management association are not moving quickly on request even on limited reviews, more information is being requested getting the condo…
- Buying Florida
Appraisal fees are going up and taking longer on a mortgage
appraisal costs increasing appraisals taking longer learn more about the appraisal waivers when offered tune in and learn at https://www.ddamortgage.com/blog…
- Buying Florida
escrow hold back for repairs on a purchase mortgage
escrow hold back on Conventional escrow hold back for FHA repairs to be done on the home https://www.ddamortgage.com/blog didier malagies nmls#212566 dda…
- Buying Florida
drop your rate, pmi, lower insurance, consolidate debt, shorten loan term
tune in and learn more at https://www.ddamortgage.com/blog shorten loan term consolidate debt lower rate, get rid of pmi is your insurance too high now you go…
- Buying Florida
Happy New Year and My 2022 Predictions
interest rates will rise Non Qm Loans will grow in 2022 https://www.ddamortgage.com./blog didier malagies nmls#212566 dda mortgage nmls#324329 Support the show
- Buying Florida
FHA loan limits are increasing in 2022 and did you know this about VA loans
tune in and learn more at https://www.ddamortgage.com/blog fha loan limits increasing 65,000 in 2022 did you know this about VA mortgages…
- Buying Florida
Should I lock in my rate, something personal and little pointers going into next year
tune in and learn more at https://www.ddamortgage.com/blog when buying a home you are in a finite time period with a volatile market what else besides rate…
- Buying Florida
Canadians buying a home in Florida
options on qualifying are different for an investment, second or primary residence great opportunity to make money on the rental income invest in a State that…
- Buying Florida
Small Business loans for the self-employed
for the self-employed 2 years of being self-employed average deposits of 15,000 a month credit line, capital advancement https://www.ddamortgage.com/blog…
- Buying Florida
Closing on your purchase for year end and my recommendations
lock in your rate upload supporting docs right away shop insurance ask about appraisal waiver ask for seller's existing survey https://www.ddamortgage.com/blog…
- Buying Florida
A manufactured home with land maybe an option to stay in the area you want and more affordable
tune in and learn more at https://www.ddamortgage.com/blog live in the area you want more affordable not be 1 of 10 people putting an offer on a home not…
- Buying Florida
with the cost of everything skyrocketing , is it time to refinance and consolidate your morgage
tune in and learn at https://www.ddamortgage.com/log food, gas, supplies going up shortages , costs going up https://www.ddamortgage.com/blog didier malagies…
- Buying Florida
no pmi on a purchase with 15% down
no monthly pmi on Purchase with 15% doqn min 700 score purchase not Lender paid pmi but No pmi https://www.ddamortgage.com/blog didier malagies nmls#324329 dda…
- Buying Florida
Wiring money to closing on the purchase of your home
tune in and learn at https://www.ddamortgage.com/blog dont take wiring instructions from realtor, loan officer or processor slow down and think it thru start a…
- Buying Florida
Which Commercial loan is best suited for you
tune in and learn about the commercial loan at https://www.ddamortgage.com/blog SBA 7a SBA 504 bridge loan refinance or purchase asset based lendin…
- Buying Florida
Conforming loan limits have increased to $650,000
effective for most lenders on January 1, 2022 we are doing them now buy a home for 684,210 with 5% down game changer https://www.dddamortgage.com/blog didier…
- Buying Florida
using rental income to qualify for a mortgage
no tax returns, w2s ,1099s to qualify only rental income to purchase a home no job required on the loan application https://www.ddamortgage.com/blog didier…
- Buying Florida
qualifying for a mortgage using bank statements and asset depletion
using bank statements to qualify for a mortgage using your assets to qualify for a mortgage new products that are outside the box…
- Buying Florida
what's happening with appraisal and what you need to know
are appraisals being delays? are values coming in what about an appraisal waiver and what you should do who gets an appriasal waiver…
- Buying Florida
FHFA makes another change for second homes and investment properties
Changes for the good Going back to normal no more hits due to the 7% rule https://www.ddamortgage.com/blog didier malagies nmls#212566 dda mortgage nmls#324329…
- Buying Florida
improving your credit scores part 2
tune in and learn at https://www.ddamortgage.com/blog not deferring your student loans getting the collection agency to write a letter deleting it off your…
- Buying Florida
how to increase your credit scores for a mortgage
usage vs limit learn how to increase your scores by the usage not by the limit you have how to do it and to get a better rate and lower pmi…
- Buying Florida
review your monthly mortgage statement and see what you can save on
has your insurance gone up has the property taxes gone up can you get rid of pmi and lower your rate did you file for homestead did you do portability…
- Buying Florida
no more hits to pricing on a refinance and how escrows work on a refinance
tune in and learn no more hits on rate for doing a refinance and how to calculate your escrows for a refinance fhfa got rid of the hits how to get some cash on…
- Buying Florida
how does the escrows work on a purchase mortgage
how does the property taxes work how does the homeowner's insurance work what about the interim interest good information on purchase transactions…
- Buying Florida
something personal about me regarding mortgages
how I started getting business back then how I learned how to figure out a loan quickly https://www.ddamortgage.com.blog didier malagies nmls#212566 dda…
- Buying Florida
dropping pmi after 1 year, dropping your rate and saving money on a mortgage refinance
watch the sales in your neighborhood within the last year have prices gone up is It time to drop pmi time to drop your rate save money being prepared and…
- Buying Florida
what happens to the payments that you did not have to make during forbearance on your mortgage
0 payments, no lates what happens with the interest payments student loan deferment ring a bell how much will you owe on your mortgage afterwards nothing is…
- Buying Florida
paying off your mortgage early
what can you do monthly to pay it off sooner what do I think of the Biweekly watch your equity grow and your mortgage balance shring…
- Buying Florida
Should I waive the appraisal contingency when purchasing a home
should i put limits on a value what happens with a bad appraisal, ever have one of those will the listing agent be there for the appraiser will you be there…
- Buying Florida
Should I do an FHA or VA Streamline Refinance
do I want to have pmi and a funding fee again has the value of my home gone up can i get an appraisal waiver will i save more money going Conventiona what are…
- Buying Florida
updates on VA purchases in 2021
lender credit can pay for the non allowables seller does not have to pay any of the seller closing costs va appraiser will reach out to the realtor if an…
- Buying Florida
student loan changes regarding FHA Loans and Service to your customers
student loan calculations for qualifying are changing is your loan officer available on weekends it is not a mon thru fri job https://www.ddamortgage.com/blog…
- Buying Florida
Should i do an adjustable rate mortgage
what are the positives and negatives of having an adjustable rate what happens after the fixed term if the following happens? what do i need to know tune and…
- Buying Florida
the documentation needed to process the mortgage loan
all documents are needed all pages of tax returns all pages of the bank statements the term irrelevant does not apply when getting a mortgage what you can do…
- Buying Florida
is your rate on your mortgage over 4%
is it time to lower your rate and save money how about lowering the term take advantage of the low rates now and take cash out and keep the same payment lower…
- Buying Florida
Changes with Second Homes and Investment properties
The down payment has changed for both interest rates are higher gov't wants less of this paper in their portfolio what changes are big banks doing…
- Buying Florida
FHA Spot Approvals on Condos
Condo spot approvals are back learn on how to get an FHA spot approval it has been 15 years since they did them learn about the benefits what about VA and…
- Buying Florida
Rent to owning
3 pillars to getting into a home income credit funds if you are not there now, what can we do to get you there overcome your fear and know you can own what is…
- Buying Florida
are things tightening up with mortgages
lenders not doing FHA lenders not doing investment properties denials with 5% down conventional what is going on? https://www.ddamortgage.com/blog didier…
- Buying Florida
LP/Du learn about having your loan approved within 24 hours of loan application
LP/DU - what is it how to get real approvals upfront good to know before the home inspection and appraisal great question for listing agent to ask…
- Buying Florida
Who owns your mortgage and what about all the mortgage consolidations
who owns your mortgage what is happening with the servicers going publuc what is happening with all the mortgage consolidations what does it mean for the…
- Buying Florida
Pre approval letters and what you need to know
multiple offers on a home what you need to be prepared for listing agent is calling what can you say to build confidence with the seller team work with you…
- Buying Florida
dropping pmi, lowering rate and dropping your payment on your mortgage
dropping pmi after 1 year lowering your rate saving money taking advantage of the higher home prices reviewing your annual escrow statement…
- Buying Florida
verificationcof employment at the end of the mortgage loan process
docs needed before the clear to close bank deposits , profit and loss on the self employed salaried people with final verification thru automated system, phone…
- Buying Florida
what is happening to the appraisals when doing a mortgage
extra fees longer times why is it happening and what you need to know tune in and learn https://www.ddamortgage.com/blog didier malagies nmls#212566 dda…
- Buying Florida
Second homes and investment properties , what now?
changes happening with second homes and investment properties fnma/fhma will limit their purchase could that affect the interest rate? what else can take place…
- Buying Florida
Unlock your credit scores when applying for a mortgage
when pulling credit and no scores show up, probably locked up unlock credit for the pull then lock back up usually one out of the 3 are locked, seldom see all…
- Buying Florida
Purchasing a home without a job!
having no job to buy a home having funds in checking, savings, mutual funds , 401k do not have to be over 59/1/2 to do it opportunity to buy when not able to…
- Buying Florida
does it make sense to refinance and at what cost
how quickly can i recover my closing costs? quiz question on how long do points extend the time to recuperate taylor make your refinance for the remaining term…