Buying Florida

Hosted by Didier Malagies

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Aug 2026

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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, invest, start a business or expand, Didier will share everything you need to know on his show every week. Didier Malagies nmls#212566/DDA Mortgage nmls#324329

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August 13, 2026Episode 333 min

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 ProtectionImagine this: you open your mail to find a letter stating that your mortgage loan has been sold. Your heart might skip a beat. Is this for real? Is it a scam? In today's digital age, where financial fraud is unfortunately common, it's natural to feel a surge of anxiety and uncertainty. The immediate concern for many homeowners is verifying the legitimacy of such a notice. Before you do anything else, the most crucial step is to confirm that this change is authentic and not a deceptive attempt to get your personal information or money. Your first and most important action should be to call the servicer you have been making your payments to and verify that this is, in fact, what has happened. At DDA Mortgage, we understand these concerns and are here to guide you through the process, ensuring you protect your financial well-being and have peace of mind.Selling mortgage loans is a common practice in the financial industry, and it often happens without any negative impact on you as a borrower. Lenders and servicers frequently sell loans to manage their portfolios, free up capital, or specialize in certain types of mortgages. While this is a standard business procedure, it doesn't diminish the importance of your vigilance. Your mortgage is likely one of your largest financial commitments, and any change to it warrants your full attention and careful verification. We'll walk you through the essential steps to confirm your loan has been legitimately sold, how to avoid potential scams, and what to expect next, so you can navigate this transition with confidence.Receiving a letter about your mortgage loan being sold can be unsettling, but it doesn't have to be a cause for panic. The key to managing this situation effectively is prompt and accurate verification. Your primary goal is to confirm the authenticity of the sale directly with the company you currently pay your mortgage to. This step is not just about confirming the sale; it's about safeguarding your financial information and ensuring you don't fall victim to a scam.Why is this verification so crucial? Unfortunately, scammers are sophisticated and often mimic official communications to trick unsuspecting homeowners. A fraudulent letter might look incredibly convincing, using official-sounding language, logos, and even seemingly legitimate contact information. If you were to unknowingly send your mortgage payment to a scammer, you could face severe consequences, including late payment penalties, damage to your credit score, and the loss of your money, all while still owing your original servicer.tune in and learn https://www.ddamortgage.com/blogDidier Malagies NMLS #212566dda mortgage nmls#324329 Support the show

August 6, 2026Episode 326 min

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 crashing down on us daily. Right now, many homeowners are watching mortgage rates with a mix of anticipation and apprehension. You might be wondering if the time is right to refinance your mortgage, or perhaps even consolidate some high-interest debt. While the moment for action might not be here just yet for everyone, the economic signals are pointing towards a future where lower rates become a reality. With the government paying a staggering 1.2 trillion dollars in interest every single year - a figure that continues to climb - and credit card debt reaching an all-time high for many households, the stage is being set. The time will inevitably come when the 10-year Treasury yield, a key indicator for mortgage rates, will come crashing down. When that happens, you will find yourself in a prime position to refinance your mortgage, and for many others, it will be an opportune moment to consolidate existing debt, offering a much-needed breath of fresh air for your monthly budget.Mortgage Rates Are Coming Down: Why Economic Problems Pave the WayIt's natural to feel a bit overwhelmed by the constant stream of economic headlines. From inflation concerns to geopolitical tensions, the global economy is in a state of flux. But amidst this uncertainty, there's a silver lining for homeowners and those carrying debt: the very problems that seem so daunting are often the catalysts for lower interest rates. The key is to be prepared, because when those rates start their descent, you'll want to be ready to act.Let's talk about the elephant in the room: government spending and national debt. The United States government is currently spending approximately 2 trillion dollars more than it brings in each year. To finance this deficit, the government issues bonds, and the interest paid on these bonds is substantial. As mentioned, the government is paying an eye-watering 1.2 trillion dollars in interest annually, and this number is growing. This level of debt and the cost of servicing it puts immense pressure on the economy. When the government needs to borrow more, or when the economy shows signs of slowing, investors often flock to safer assets like U.S. Treasury bonds, driving down their yields. Since mortgage rates are closely tied to the 10-year Treasury yield, a drop in yields typically translates to lower mortgage rates.It's not just domestic issues at play. The global economic landscape is equally complex, and problems abroad can have significant ripple effects here at home. Take Japan, for example, a major global economy facing its own unique set of financial challenges, including an aging population and substantial national debt. Economic slowdowns or crises in major global players can trigger a flight to safety among international investors, further increasing demand for U.S. Treasury bonds and pushing yields lower. We've seen this pattern before: when global economic uncertainty rises, U.S. interest rates often fall as investors seek the perceived stability of U.S. government debt.These aren't isolated incidents; they are interconnected pieces of a larger economic puzzle that point towards a future where borrowing costs, including mortgage rates, will likely become more favorable. The current environment, characterized by high government debt, persistent deficits, and global economic fragility, is setting the stage for a period where central banks may need to ease monetary policy to stimulate growth or prevent deeper downturns. This easing typically involves lowering interest rates.Therefore, while it might not be time to rush into a refinance today, understanding these underlying economic currents is crucial. It's not a matter of if, but when, these pressures will culminate in a significant shift in interest rates. Being aware of these factors allows you to anticipate the change and position yourself to take advantage of it. Think of it as preparing your financial toolkit for when the opportunity knocks. Staying informed and proactive is your best strategy. You can always check in with experts at www.ddamortgage.com to get a pulse on the market and understand how these broader trends might impact your personal situation.tune in and learn https://www.ddamortgage.com/blogDidier Malagies NMLS #212566dda mortgage nmls#324329 Support the show

July 30, 2026Episode 314 min

Gift of Equity purchasing a home

Gift of Equity: Making Your Kids' Homeownership Dream a Reality with Family SupportImagine this common scenario: your adult children are ready to take the exciting leap into homeownership, but the current housing market feels like an insurmountable mountain. Sky-high home prices, coupled with the ever-present challenge of saving for a substantial down payment and covering those pesky closing costs, often leave them feeling frustrated and stuck. You, as a parent, might wish you could wave a magic wand and make their dream come true, especially if they're eyeing the very home you've lovingly maintained for years. What if we told you there's a powerful, often overlooked solution that allows you to help your children overcome these financial hurdles, potentially keeping your cherished family home in the family, all while simplifying the selling process for you? It's called a Gift of Equity, and it's a brilliant way for parents to provide a significant boost, transforming a challenging real estate transaction into a smooth, family-focused success story. At DDA Mortgage, we specialize in guiding families through this unique and beneficial process, helping both buyers and sellers navigate the nuances with confidence and clarity.Structuring the Purchase Price: Aligning Parent Goals with Family HomeownershipWhen parents consider selling their home to their children using a Gift of Equity, one of the first and most crucial steps is determining the actual sale price. This isn't just about putting a number on a house; it's about aligning your financial goals as parents with your desire to help your children achieve homeownership. The beauty of a Gift of Equity lies in its flexibility, allowing you to structure the deal in a way that benefits everyone involved.Flexibility and Family-First ApproachThe beauty of a Gift of Equity sale is its inherent flexibility. It allows families to tailor the transaction to their unique circumstances and goals. It's a transaction built on trust and shared objectives, fostering a truly family-first approach to homeownership. By clearly defining your financial goals and understanding the home's market value, you can strategically structure the purchase price to maximize the benefits for both generations. Our team at DDA Mortgage is here to help you understand these options and ensure the structure you choose aligns perfectly with your family's vision.tune in and learn https://www.ddamortgage.com/blogDidier Malagies NMLS #212566dda mortgage nmls#324329 Support the show

July 23, 2026Episode 303 min

Asset based lending to qualify for a mortgage

Qualify for a Mortgage Using Your Assets: A Smart Path to HomeownershipHave you ever found yourself in a frustrating situation where you have a healthy nest egg in your bank accounts, a robust investment portfolio, or a solid retirement fund, but traditional mortgage lenders seem to only focus on your taxable income? It's a common dilemma for many successful individuals - particularly the self-employed, retirees, or those with significant investment income - whose financial picture doesn't neatly fit into the conventional W-2 employee mold. You know you have the financial strength to afford a home, but the standard income verification process feels like a roadblock, not a pathway. If your tax returns don't reflect the full scope of your financial capability, it can be disheartening to think your homeownership dreams might be out of reach. But what if there was a way to leverage the wealth you've diligently built, using your liquid assets to prove your mortgage qualification? At DDA Mortgage, we understand that your financial story is more complex than a single income line. We're here to show you how your funds in the bank, your investments, and your retirement accounts can actually be your strongest allies in securing a mortgage.Leveraging Your Wealth: Stocks, Savings, and Retirement Accounts for Mortgage QualificationThe traditional mortgage qualification process often heavily relies on your reported taxable income, typically verified through pay stubs, W-2s, and tax returns. While this works well for many, it can be a significant hurdle for those whose income fluctuates, is derived from diverse sources, or is strategically minimized for tax purposes. This is where asset-based mortgage programs come into play, offering a refreshing alternative by looking at your overall financial strength rather than just your recent income statements.Understanding Asset-Based Lending for MortgagesAsset-based lending for mortgages is a specialized program designed for borrowers who have substantial liquid assets but may not have a verifiable income stream that meets traditional lending guidelines. Instead of focusing solely on your monthly income, lenders like DDA Mortgage evaluate the value and liquidity of your financial assets to determine your ability to repay the loan. This approach acknowledges that wealth can be accumulated and maintained in various forms, all of which contribute to your financial stability.The DDA Mortgage Asset-Based Lending Process: Your Path to HomeownershipAt DDA Mortgage, we believe that your financial strength should open doors, not close them. Our asset-based lending program is designed to provide a clear, transparent, and efficient path to homeownership for those who have built substantial wealth but face challenges with traditional income-based qualification. We understand the nuances of non-traditional financial profiles and are committed to finding solutions that work for you. Our process is streamlined to make your experience as smooth as possible, from initial inquiry to closing.tune in and learn https://www.ddamortgage.com/blogDidier Malagies NMLS #212566dda mortgage nmls#324329 Support the show

July 16, 2026Episode 293 min

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 FutureFor decades, the mention of a "credit score" has almost universally brought FICO to mind. It's been the industry standard, the gatekeeper to everything from car loans to, most importantly for us, your dream home mortgage. But what if that foundation is shifting? What if a new player is stepping into the spotlight, promising a different perspective on your financial reliability?On one hand, the shift to VantageScore could bring some exciting advantages. Many borrowers, particularly those with "thin" credit files or past financial hiccups, might see their scores improve, potentially opening doors that were previously closed. This could mean more people qualify for mortgages, and perhaps even at better rates. It aims to offer a more inclusive view of creditworthiness, which sounds great for many.Imagine your credit score, the number that dictates so much of your financial life, getting a noticeable boost. This isn't just wishful thinking; it's a potential reality for many as the mortgage industry considers a broader embrace of VantageScore. Early indications suggest that, on average, borrowers might see an increase of approximately 100 basis points (bps) in their credit score compared to FICO. To put that into perspective, 100 basis points is a full percentage point!While a higher score is always welcome, its impact on your mortgage journey is where the real advantages shine. A stronger credit score directly translates into more favorable lending terms. Let's break down what that 100 bps could mean for you:This potential shift is not just about a number; it's about empowerment. It's about more people having the opportunity to achieve their homeownership goals with more affordable and accessible financing. At DDA Mortgage, we are closely monitoring these developments to ensure our clients are always in the best position to take advantage of any positive changes. We can help you understand how your current credit profile might perform under VantageScore and guide you through the process. Visit www.ddamortgage.com to learn more about how we can assist you.tune in and learn https://www.ddamortgage.com/blogDidier Malagies NMLS #212566dda mortgage nmls#324329 Support the show

July 9, 2026Episode 285 min

Qualifying for a mortgage 10 years ago and now today

Qualifying for a Mortgage: Why Today's Market Feels Different Than a Decade AgoRemember when buying a home felt a little more within reach? Maybe you or someone you knew qualified for a mortgage with an income-to-debt ratio comfortably in the 30% range just ten years ago. It felt like a solid, achievable goal. Fast forward to today, and that same ratio is often closer to 50% for many aspiring homeowners. It's not your imagination; the landscape has indeed shifted dramatically. This isn't just about feeling a pinch; it's a fundamental change driven by significantly higher home prices coupled with elevated interest rates. If you're feeling frustrated by the challenges of homeownership, you're not alone. Understanding these shifts is the first step toward navigating today's market successfully. Let's break down why qualifying for a mortgage today looks so different and what it means for your homeownership dreams.The Rising Bar: How Higher Home Prices and Interest Rates Impact Mortgage QualificationThe journey to homeownership often begins with a critical calculation: your debt-to-income (DTI) ratio. This number is a cornerstone of mortgage qualification, and it's where we see the most profound change over the last decade. Lenders use your DTI to assess your ability to manage monthly payments and repay a loan. Simply put, it's the percentage of your gross monthly income that goes towards paying your monthly debt obligations.Understanding the Debt-to-Income (DTI) RatioYour DTI ratio is calculated by adding up all your minimum monthly debt payments (like credit card minimums, car loans, student loans, and the potential new mortgage payment) and dividing that total by your gross monthly income (before taxes). Lenders typically look at two types of DTI: the "front-end" ratio, which only considers housing-related costs (mortgage principal, interest, property taxes, and homeowner's insurance), and the "back-end" ratio, which includes all your monthly debt obligations. A lower DTI indicates less risk to lenders, making you a more attractive borrower.Ten years ago, a DTI of around 36% to 43% was a common sweet spot for conventional loans. Today, it's not uncommon for lenders to approve borrowers with DTI ratios closer to 50%, or even slightly higher, especially with certain loan types or compensating factors like a strong credit score or substantial reserves. While this might sound like lenders are getting "easier," it's more a reflection of market realities than relaxed standards. The cost of housing has simply outpaced wage growth for many, pushing these ratios higher out of necessity.The Double Whammy: Home Prices and Interest RatesThe primary drivers behind this DTI escalation are the significant increases in both home prices and interest rates. Let's consider a hypothetical example to illustrate the impact:Imagine a home that cost $300,000 ten years ago. With a 20% down payment, you'd finance $240,000. If interest rates were around 4% (a common rate a decade ago), your principal and interest payment would be roughly $1,146 per month. Add in property taxes and insurance, and your total housing payment might have been around $1,500.Now, fast forward to today. That same home could easily be priced at $500,000. Even with a 20% down payment, you'd now be financing $400,000. If current interest rates are around 7% (a common rate recently), your principal and interest payment alone would jump to approximately $2,661 per month. With higher property taxes and insurance on a more expensive home, your total housing payment could easily exceed $3,500.This dramatic increase in the monthly housing payment directly inflates your DTI ratio. To qualify for that $3,500+ monthly payment while maintaining, say, a 43% DTI, you would need a significantly higher gross monthly income than you would have ten years ago for the $1,500 payment. For many, incomes simply haven't kept pace with this combined surge in housing costs and borrowing expenses.tune in and learn https://www.ddamortgage.com/blogDidier Malagies NMLS #212566dda mortgage nmls#324329 Support the show

July 2, 2026Episode 273 min

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 sector is a powerful, often overlooked, financial tool. A commercial second mortgage allows you to borrow against the equity you've built in your commercial property, while your original first mortgage remains completely untouched. This means no renegotiating rates, no resetting your loan term, and no re-evaluating your entire financial standing just to get some additional capital.Imagine your commercial property as a well-performing asset. Over time, as you pay down your first mortgage and as property values potentially increase, you build significant equity. This equity represents dormant capital that can be put to work for your business or investment portfolio. A second mortgage simply taps into that stored value, providing you with a lump sum of cash or a line of credit, depending on your needs and the specific terms of the loan.The primary appeal of this approach lies in its ability to provide financial flexibility without the typical disruptions associated with a full refinance. When you refinance, you're essentially replacing your old loan with a new one. This can trigger a cascade of fees, a new underwriting process, and potentially a less favorable interest rate if market conditions have shifted. With a second mortgage, you preserve the integrity of your existing first loan, keeping its original terms, rates, and payment schedule intact. This is particularly advantageous if you secured your first mortgage during a period of low interest rates, as you wouldn't want to jeopardize those favorable conditions.At DDA Mortgage, we've listened to the needs of commercial property owners like you. We recognize that speed, efficiency, and minimal disruption are paramount when it comes to accessing capital. Our commercial second mortgage program is specifically designed to meet these demands, offering a streamlined path to the funds you require. It's about empowering you to make strategic financial decisions for your commercial ventures, giving you the power to grow, adapt, and succeed without the traditional roadblocks.Whether you own an office building, a retail space, an industrial warehouse, or a multi-family property, if you have substantial equity, a second mortgage could be the ideal solution. It's a smart way to leverage your assets without selling them or undertaking a complete financial overhaul. We focus on getting you the capital you need efficiently, allowing you to concentrate on what you do best: running and growing your business.tune in and learn https://www.ddamortgage.com/blogDidier Malagies NMLS #212566dda mortgage nmls#324329 Support the show

June 25, 2026Episode 265 min

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 to hit a brick wall when the management company can't or won't fully complete the mandatory condo questionnaire. This isn't just a minor hiccup; it's a major roadblock that can bring your entire loan process to a screeching halt. When those critical questions about the condo association's financials, litigation, or reserve funds go unanswered, many lenders will simply walk away, leaving your dream home out of reach. But what if there was a lender who didn't just throw up their hands? A lender who understood the nuances of condo financing and was prepared to think outside the box, using alternative documents to get your loan across the finish line? That's precisely where DDA Mortgage shines, turning potential deal-breakers into successful homeownership stories.Buying a condo comes with its own unique set of requirements, one of the most significant being the condo questionnaire. This document is designed to give lenders a comprehensive overview of the condominium association's financial health, operational stability, and any potential risks. It's a critical tool for assessing the long-term viability of your investment and the security of the loan. However, what happens when the very entity responsible for providing this information - the condo management company - is advised not to fully comply? The situation can quickly become frustrating and, for many homebuyers, devastating. At DDA Mortgage, we believe that an incomplete questionnaire shouldn't be the end of your homeownership journey. We've built our reputation on navigating these complexities with expertise and a commitment to finding solutions where others only see obstacles.Why Condo Management Companies Aren't Answering Every Question on Your Mortgage FormIt might seem counterintuitive for a condo management company, whose primary role is to serve the association and its residents, to withhold information vital for a sale. However, there's a growing trend where attorneys are advising these companies not to answer certain questions on the extensive condo questionnaire required for mortgage approval. This isn't out of malice, but often stems from a place of caution and liability. Understanding this evolving landscape is the first step in successfully navigating your condo purchase.https://www.ddamortgage.comDidier Malagies nmls212566DDA Mortgage nmls324329 Support the show

June 18, 2026Episode 255 min

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 PricelessI recently had a fascinating conversation with one of my potential buyers, and their frustration was palpable. They'd been diligently searching for their dream home, only to repeatedly miss out on properties they loved. Their perception was that the housing market had slowed considerably, leading them to believe they had ample time to deliberate and perhaps even try to negotiate a steal. Yet, the reality they faced was starkly different: the homes they were interested in, the ones that were truly priced to sell, were flying off the market within days, often with multiple offers. This disconnect between perception and reality is a common thread we're seeing today. While the headlines might suggest a cooling market, the truth on the ground is that well-priced homes are moving at a brisk pace. This experience underscores a critical point for both sellers and buyers: in this dynamic market, listening to your experienced real estate agent is more crucial than ever. Don't let generalized market chatter or the often-misleading Zestimate be your sole guide; your realtor holds the key to understanding the nuanced local landscape.Selling Your Home: Trust Your Realtor's Pricing Strategy Over ZillowWhen it comes to selling your home, the first, and arguably most important, decision you'll make is setting the right price. In an age where information is constantly at our fingertips, it's easy to fall into the trap of relying heavily on online tools like Zillow's Zestimate. While these platforms can offer a rough ballpark figure, they simply cannot replace the nuanced expertise and deep local market knowledge that a professional realtor brings to the table. Your realtor isn't just pulling a number out of thin air; they're conducting a comprehensive comparative market analysis (CMA) that considers a multitude of factors far beyond what an algorithm can grasp.The Zestimate Trap: Why Zillow Isn't Always RightZillow's Zestimate is a powerful tool, but it's essential to understand its limitations. It's an automated valuation model that uses publicly available data and some proprietary algorithms to estimate a home's value. However, it often misses critical details that can significantly impact a property's true worth. For instance, a Zestimate won't account for recent, unrecorded renovations you've made, the specific quality of your upgrades, the unique charm of your neighborhood, or the exact condition of your home. It doesn't know about the new roof you installed last year, the custom kitchen cabinets, or the meticulously landscaped backyard that sets your home apart. These are qualitative factors that a computer program simply cannot evaluate accurately. Furthermore, Zestimates can fluctuate wildly and are often based on a broad geographical area, failing to account for micro-market trends that can vary street by street.tune in and learn https://www.ddamortgage.com/blogDidier Malagies NMLS #212566dda mortgage nmls#324329 Support the show

June 11, 2026Episode 244 min

What is going on with interest rates?

Understanding Interest Rates: How Global Events Shape Your Mortgage FutureEver feel like the world's events are playing a direct role in your household budget? You're not imagining it. Right now, a significant global event - the ongoing conflict in Iran - is creating ripples that reach all the way to your potential mortgage payment. As tensions escalate, oil prices tend to climb, and this isn't just about what you pay at the pump. Higher oil prices can fuel inflation, putting pressure on central banks to raise interest rates. It's a complex dance, but here's a critical takeaway for anyone interested in their mortgage future: keep a close eye on the 10-year Treasury yield. Historically, when the 10-year Treasury goes up, so do mortgage rates. It's a key indicator, and understanding these connections is crucial for navigating the housing market. At DDA Mortgage, we believe an informed borrower is an empowered borrower, and we're here to help you make sense of it all.Peace Prospects and Your Mortgage: The Path to Lower Interest RatesImagine a scenario where the geopolitical tensions in Iran begin to de-escalate, and a path to peace emerges. It might sound like a distant dream, but the potential economic impact of such a resolution would be profound, especially for interest rates and the housing market. The primary link here is oil. A peaceful resolution would likely stabilize and even reduce global oil prices. Why does this matter so much for your mortgage?The Oil-Inflation-Interest Rate ConnectionOil is a fundamental commodity that affects nearly every aspect of the global economy. When oil prices are high, the cost of manufacturing, transportation, and producing goods and services increases across the board. This widespread increase in costs is a major driver of inflation. Central banks, like the Federal Reserve in the U.S., have a primary mandate to control inflation. Their most powerful tool for doing so is adjusting the federal funds rate, which in turn influences a wide range of other interest rates, including those for mortgages.If peace were to break out in Iran, leading to a significant drop in oil prices, we would likely see a corresponding easing of inflationary pressures. With inflation under better control, the pressure on central banks to keep interest rates high, or even raise them further, would diminish. In fact, they might even consider cutting rates to stimulate economic growth.tune in and learn https://www.ddamortgage.com/blogDidier Malagies NMLS #212566dda mortgage nmls#324329 Support the show

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About the show

Listen to episodes

Did your loan just get sold, what do I need to do

Is it time to refinance, the answer is NO _ but are you preparing for that time to come

Gift of Equity purchasing a home

Asset based lending to qualify for a mortgage

Talk about going from Fico to Vantage, what will that do for you regarding your credit score

Qualifying for a mortgage 10 years ago and now today

Getting a 2nd mortgage on your commercial property

What happens to the condo questionnaire when not being answered, is there a solution

Are you listing your home at the right price and buyers seeing homes going under contract quickly

What is going on with interest rates?

Is this your show?

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