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
Homestead
Does it make sense to close in December or wait until January? That's an important question to consider. What are the seller paying for property taxes now?…
- Buying Florida
All You Need to Know About Condos
Covered in this episode: Limited Review - what does that mean and at what loan to value & why go to a limited review Full Doc Review - what is entailed and…
- Buying Florida
Changes and Updates in the Mortgage Industry
The changes and updates you should know about in the mortgage industry 1.Loan amounts have increased in Florida for 510,400 What does that mean in terms of…
- Buying Florida
Are You Getting the Best Rate
1. Shopping rates and your bank gives you a rate that is incredible Did they get a CD Did they deliver on what was quoted Were you able to speak to them during…
- Buying Florida
What to Expect During the Process
Didier and David discuss: What type of financing Ordering a home inspection Ordering appraisal Ordering title Ordering insurance Ordering survey Ordering pest…
- Buying Florida
Buyers, Rates and Location
Todays episode covers these important topics: I Buy and Big Tech Buyers Mortgage Rates and Refinancing Dunedin, Florida area Support the show
- Buying Florida
Buying Flipping and Real Estate Recommendations
This episode welcomes a guest co-host, Florida Realtor, David Zusman and covered in this episode is: Buyers Hesitations - Concerns of a Recession Flipping a…
- Buying Florida
Who Do You Go To For A Mortgage?
Do you shop online? Do you go with a referral, someone in the community? Is it from a realtor, friend, or someone from your work What are questions to ask when…
- Buying Florida
What are the Funds to Close
Funds to close on a home: How much down do you need? Fund down for fha, va, conventional and non qm loans Down payment assistance - how does that work Where…
- Buying Florida
Sources of Funds to Close
Downpayment - what is available Down payment assistance Borrower from your 401k Gift of funds from a family Funds have to be paper trailed Seasoning for 2…
- Buying Florida
How Do You Get Credit?
Graduating high school - what do you do? Bad things happen to good people , what do you do? What causes low credit scores and what can you do? How does the…
- Buying Florida
Appraisals
When do you order an appraisal? What happens if the value is higher, the same or lower? If it is lower than what can you do? Is there a solution and how does…
- Buying Florida
Non QM Loans on the Rise
What is a non QM loan and how does it differ from a QM Loan Does it apply to owner occupied homes, second homes and investor home? What type of programs are…
- Buying Florida
Tailor Making Your Refinance
Rates are coming down Do we just go for savings or do you switch gears and look at reducing the term How can we taylor make our refinance - just a 10-15-30…
- Buying Florida
Delinquencies on a Mortgage
What happens when you are delinquent? Are we heading into a recession How many are past due on their mortgage What actions do you take Should you just do…
- Buying Florida
The Loan Process from Start to Finish
Taking the loan application Electronic signatures Downloading supporting documents Ordering title Getting home inspection/ then ordering appraisal Getting home…
- Buying Florida
Is It Easy to Buy a Condo
Conventional financing - limited review Qualifying - what do they include in the debt ratio - a. Insurance and b. Association fees Conventional financing -…
- Buying Florida
Is It Time to Refinance with Fed Cut
Here's what you'll on this week's episode: Is it time to refinance Are you consolidating debt or is it a rate term only What makes sense cost wise and what…
- Buying Florida
Fed Rate Cut
Do rates drop down the day of the announcement Fed vs wall street Does it make sense to refinance What does the future hold for this year What does it hold for…
- Buying Florida
Signing the CD Over and Over
The initial loan application doing electronic signatures and signing the CD During the process of the loan , CD’s going out all the time 3 days before closing…
- Buying Florida
Are You Pre-qualified?
How do you get prequalfied? We need to know 3 things and that is Credit , income, and funds What are things to look for if you are self employed, 1099…
- Buying Florida
The Loan Process
Ever wonder what's involved in getting a loan when you're buying property? This episode breaks it down and walks you through the process of getting your loan…
- Buying Florida
What Type of Mortgage Should You Apply For?
Buying a home - should you go FHA or conventional What are the differences between the 2 What about putting 20% down and less than requires PMI What are the…
- Buying Florida
Are You Protected When Buying a Home
What should YOU be aware of when buying a home in Florida? Find all the answers in this episode: The answer is yes you are protected Find and use a realtor…
- Buying Florida
NINA for Investment Property
Looking to buy an investment property in Florida? It could be easier than you think. Topics covered: Buying investment property conventionally Are we back in…
- Buying Florida
Foreign Nationals
It's not as difficult as you think to own property in the US and more specifically, Florida In this episode I talk about: Who is considered a foreign national…
- Buying Florida
Renovations Loan
Why would you use this type of loan and does it benefit you? Listen and find out the various types of renovation loans FHA203k limited and full Conventional VA…
- Buying Florida
VA Loans
I'm always surprised to learn that so many VAs never take advantage of VA loan opportunities and maybe because there are so many assumptions out there. I'm…
- Buying Florida
Funds To Close
This episode will cover: how much of a down payment is required for FHA, VA, Conventional non qm loans where the down payment can come from what about closing…
- Buying Florida
Got Income?
Discussed the income to qualify for conventional, FHA, VA and now new products coming out that will use other documents to qualify such as bank statements…
- Buying Florida
Give Me Some Credit
Does credit affect you getting a mortgage This premier episode starts off where you need to start when you're thinking about buying property. Didier talked…