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
service service service!!!!
being available on weekends and evenings answering questions via text , phone and email helping during the process https://www.ddamortgage.com/blog didier…
- Buying Florida
paying off your mortgage early
paying off your mortgage early monthly or biweekly how much extra each month paying it off in 22.5 years by how much extra a month…
- Buying Florida
why do rates vary from a purchase, rate term and cashout and what is my prediction
rates on a purchase, rate term and cash out prediction for rates in the future follow the trend of japan and europs https://www.ddamortgage.com/blog didier…
- Buying Florida
telling the whole truth when applying for a mortgage
what can happen when you lie on an application how do they find out the truth is it worth it who is affected, the seller, broker, realtor always remember the…
- Buying Florida
realtors calling on prequals and what to really ask
what questions should you ask for on a prequal credit/income and funds to close - what do you need to know running Du/Lp getting a better feel on the prequal…
- Buying Florida
forebearance /refinance?
when can you refinance after being in forebearance what happens in februrary - sale/refi or foreclosure what can you do what makes sense…
- Buying Florida
What are the fees from the association to get the condo approved and the borrower
what fees are charged to get the condo docs what fees are charged to get he borrower approved thru the association what do you need to know why do the fees…
- Buying Florida
should i make my mortgage payments when refinancing
when are you closing? and should i make the payment communicate clearly with your processor and loan officer can you miss 2 months of mortgage payments are…
- Buying Florida
Happy New Year Message and something personal
Happy new year message recap of 2020 a personal note on me https://www,ddamortgage.com/blog didier malagies nmls#212566 dda mortgage nmls#324329 Support the…
- Buying Florida
self employed/disclsoures/fha loan limits
fnma is requiring more documents for the self employed more bank statements/profit and loss generic disclosures thru the loan process and what to do and what…
- Buying Florida
Conventional loan limits are increasing
what the loan limits are increasing to what is the new purchase price with just 5% down what is happening to FHA and what is status with VA…
- Buying Florida
close in December or January? tune in on this one
what are the property taxes on the home you are buying is the homestead on or not what, they have lived in the home for a long time and the taxes are low how…
- Buying Florida
Get a Second Opinion
get a second opinion does it feel right? are the savings each month worth it are you recuperating in 18 months or less your credit score dictates the rate and…
- Buying Florida
Do you refinance your first mortgage when wanting a little cash out?
do you refinance the first to get 15,000 cash out what is the cost is it better to get an equity line are you saving money with the cash out refinances being…
- Buying Florida
What else can delay a closing - payoffs
get to the end of the loan process and a delay in payoffs with the heavy volume what is happening with the loan servicers is it different on a heloc vs a first…
- Buying Florida
Ease of doing a mortgage now
phone application - package sent electronically uploading your documents to a secure site closing at your home, work or wherever we can with technology work…
- Buying Florida
your credit scores determine you interest rate and pmi
have no credit at all - tune in how do you increase your credit scores what about medical? what about high balances? what about the different credit agencies…
- Buying Florida
adding famlly members to the title of your home, what!!!!!!!!!
ramifications for adding family members to title for the kids what can happen to the parents what can happen on purchases can you add someone to title and not…
- Buying Florida
should you bring escrows to closing or roll them in?
if you bring escrows to closing , how do you get the money back? if you want some money to pay off a credit card and not call it a cash out what about no…
- Buying Florida
Bankruptcy or layoffs during the loan process and what is needed
company announces a bankruptcy or is in a bankruptcy while you are in the loan process company announces layoffs during the loan process being w2 does not mean…
- Buying Florida
Buying Investment properties and what you need to know
how much down and how does it differ from single to multi what about property taxes what about insurance what can the seller pay what hoops do you need to go…
- Buying Florida
What not to do when applying for a Mortgage
dont add on new credit dont take wiring instructions from processor, loan officer or realtor don't buy a new car, new boat, furniture don't cosign for someone…
- Buying Florida
processing of the loan during heavy volume with low rates
electronic signatures, uploading to a secure site appraisal, title, and insurance wiring your money things you need to know https://www.ddamortgage.com didier…
- Buying Florida
fhfa delays the..50 point hit and should i pay points to drop my rate
delaying the .5 point hit on refinances what does that mean for you should I pay points to lower my rate tune in and learn https://www.ddamortgage.com didier…
- Buying Florida
saving money on lower rates what about the pmi and insurance
can we get rid of the pmi or lower it what about your insurance, have you been watching it annually https://ddamortgage.com didier malagies nmls#212566 dda…
- Buying Florida
rates going up on refinances, why and what about the disclosures being sent out
fhfa increase fees a .5 what does that mean in terms of rate will it differ from purchases disclosures from the lender is it different than from title and what…
- Buying Florida
should I lock in my interest rate now?
what happened last April when the market crashed 38% rates at 21 days, 30 , 45 and 60 days negative rates in the future? my recommendation to you…
- Buying Florida
time frame for a purchase and a refinance
what time frames are there difference and which one takes more precedence refinance - rate term or a cashout how about self-employed…
- Buying Florida
Self Employed getting a mortgage
purchase and a rate term refinance cahs out refinance being self employed first payment default - what happens what extra documentation is needed…
- Buying Florida
are you able to get a hold of your loan officer in the evening and on weekends?
are you getting the service people answering your calls in the evening and or on weekends can you get a prequal out when there are multiple offers questions…
- Buying Florida
how has it changed since April 1st when Covid came to town
changing guidelines daily keeping up with all the changes processing and underwriting exhausted and frazzled with each day team work…
- Buying Florida
loans outside the box
what happened when Covid hit what are loans outside the box what is available for nonqm bank statements for income vs tax returns what happened to most the non…
- Buying Florida
2 people buying a home and one has lower credit scores, what do you do?
2 people buying home, what strategies are there lower credit scores what to do not buying new cars, opening up new credit cards no vacations during loan…
- Buying Florida
is the loan process getting harder and are they tightening up?
is the process tightening up still what about the self employed ratios and credit getting tighter disclosures that go out in the loan process correct you need…
- Buying Florida
what happens when you get your credit report pulled?
applying for a mortgage and getting credit pulled? who is calling you? how do they get your information? is it legal? how can this be happen…
- Buying Florida
giving back to your community
doing business in your community realtors, loan officers, title, insurance restaurants, retail stores by giving business to them, they in turn have money to…
- Buying Florida
reverse mortgages
what age do you have to be what options do you have is there an equity line and how does it compare to a bank equity line no payments get payments draw on a…
- Buying Florida
If oil can go to -38 a barrel what can happen to rates?
how to make sure if that day comes you have everything ready continuing to make your mortgage payments anything can happen if oil can go -38 what can rates…
- Buying Florida
what are rates and what do i need to know
does credit score affect rates loan amount, loan to value what type of property purchases vs refinances and how about cash out rate locks, are you under…
- Buying Florida
random - things you need to know
why use a mortgage broker things you need to know when applying for a loan dont buy a new car dont get new credit cards dont do anything without checking with…
- Buying Florida
refinance cash out on the self employed
what is happening on refi cash out is fnma/fhmc not buying them on a forebearance? higher rate higher reserves lower income need business bank statement tune…
- Buying Florida
Overlays Overlay Overlays
self employed what is happening credit scores are going up reserves are going up higher ltv what is happening with cash out refinances…
- Buying Florida
can i lock in my rate upfront and is it higher than floating?
what lender does what when locking in a rate are they lower if you float when can you lock in is there a difference between a purchase and a refinance…
- Buying Florida
is it tightening up to get a mortgage?
are credit scores going up more reserves needed extra work to do on the file verification of employment needed at closing as well as a verbal what is happening…
- Buying Florida
how is the mortgage processing being affected, what changes are happening and who left the industry
What is happening to the loan process Present pipeline New loans on purchases Status on refinances How has the changes affecteTitle/appraisals/home…
- Buying Florida
Should I make my mortgage payments
is there ramifications for not making a mortgage payment is there a 90 day pass? what happens to the loss in payment how does it affect you how does it affect…
- Buying Florida
is it Time to cash out, consolidate debt, lower your monthly payments during this unprecedented time
Refinancing is the right time Rates went down , shot up and now what What can you do with the situation going on with the virus What is the purpose of…
- Buying Florida
Mortgage rates, what is going on with the Fed cuts, is it time
What is going on with Mortgage rates? What just recently happened with rates going down and then up Fed cuts rates , what happens to our rates Where are we…
- Buying Florida
NO closing cost loans, how do they really work.
No closing cost loan What does that mean? What is sometimes deceptive on the no closing cost loan How does it work Is it really free What is a better plan of…
- Buying Florida
saving money on getting a mortgage, learns ways to save
How can you save money on getting a mortgage Appraisal Survey Owners title Shopping insurance Day of the month that you close Origination Support the show
- Buying Florida
Getting rid of pmi - how do you do it
getting rid of pmi is based on new appraisal or the original does it make sense to refinance how do you determine value - thru zillow? tune and learn Support…
- Buying Florida
shortage of escrows what you need to know so you do not get a double whammy!
Shortage of escrows Taxes are low from the previous owner Next year you get a letter from the lender Shortage – who pays and what happens Now there is a new…
- Buying Florida
going to closing and what to expect
The closing – 3part of the 3 series pack What happens from underwriting to closing with the lender Then what happens to closing to title !. soft pull 2. verbal…
- Buying Florida
knowing the loan process - 3 part series
So, what is the first step to getting a mortgage in Florida? Watch the video to learn more. Support the show
- Buying Florida
Part 2 of the Home Loan Process | your loan is with the processor, what happens?
The loan application is taken, you signed your docs and uploaded your docs, what is next in the loan process? Learn more about what happens behind the scenes…
- Buying Florida
Mortgage Rates
Should you lock in your mortgage rate or float it? Covering insurance shopping as well. Is it wise to float your rate? What are the risks involved What…
- Buying Florida
Investor Loans
In this episode of Investor Loans I cover: Low credit scores – 500 mid scores 1 day out of bk or foreclosure Foreign nationals What types of properties Close…
- Buying Florida
Should You Refinance?
This episode covers: Why would you refinance Will it be a rate term refinance Will it be a cash out refinance How do you consider it when you have a first and…
- Buying Florida
Non-QM Loans for 2020
Covered in this week's episode: Purchasing a home with just a bank statement on a owner occupied Purchasing a home with just a profit and loss on a owner…