Florida Mortgage Broker

Here's something I say a lot: a "no" from one lender is not a "no" from the market. It just means that lender's guidelines didn't fit that buyer. And guidelines are not the same thing at every shop. That's the whole point of a broker. I'm not stuck selling one rate sheet with one set of rules. I've got 100+ wholesale lenders, and when a deal looks tough, my job is to find the one that says yes. Two wins this week prove it. Both would've died at a bank. ✦✦✦ RATES THIS WEEK Flat again, holding in the mid-6s CONVENTIONAL 30-YR ~6.5% - 6.8% FHA 30-YR ~6.125% - 6.3% VA 30-YR ~6.125% - 6.3% Quiet week. Rates barely moved, still riding the mid-6s while the market waits on the next inflation read. These are ballpark ranges, not quotes. Where your buyer actually lands depends on their credit, down payment, and the property, and on which lender we put them with. Call me for a live number on a real scenario. Illustrative ranges only, subject to chan...

  I Shop Rates So You Don't Have To Weekly Realtor Update  |  August 21, 2026 Your buyer found a rate online that looks better than mine. It happens every week. Here's the thing though. That rate almost never matches the deal they're actually in. Most online rates assume 25% down or more. Your buyer putting 5% or 10% down is looking at a completely different number. That's not apples to apples. Let me show you how to compare rates the right way, and how I cut real money out of the deal before we even get to the rate. Compare Rates Apples to Apples Here's the deal. A rate by itself tells you almost nothing. Two lenders can quote the same 6.5% and the buyer walks away with two totally different deals. The rate is only real once you know what's baked into it. When your buyer sees a low rate online, ask these three questions. It usually falls apart fast. ✓ How much down? Most advertised rates assume 25% down or more. Your buyer at 5% or 10% down is a different risk...

If you're buying, selling, or listing a condo in Southwest Florida, the rules just changed under your feet. Fannie Mae and Freddie Mac rewrote how condo loans get approved, and the first big piece kicked in August 3, 2026. Here's the deal. Some of this makes condos easier to finance. Some of it makes certain buildings a lot harder. And in Florida, where condos are already under a microscope after Surfside, this hits harder than almost anywhere else in the country. I'll walk you through what actually changed, what it means for your loan, and how to keep a deal from blowing up three weeks before closing. No jargon. Just the stuff you need. First, why did this happen? Short version: the 2021 Surfside collapse changed everything. After that building came down, lenders started digging way deeper into condo finances and structural health before approving loans. These 2026 updates are the next step. Fannie and Freddie want to make sure the building behind your loan is financially ...

  Rates moved on us this week. If you had a buyer pre-approved two weeks ago at one payment, that payment looks different today. Here's the good news. There's a fix for this, and it doesn't require waiting for the Fed. It requires negotiating. More on that below. ✦✦✦ Rate Snapshot Daily national averages, as of July 24, 2026 30-Year Fixed Conventional    6.70% to 6.82% 15-Year Fixed   ~ 6.00% FHA 30-Year   ~ 6.50%   VA 30-Year    ~ 6.40%   30-Year Jumbo    6.78% Sample figures for illustration only. Not a commitment to lend. Rates change daily and vary by credit score, loan amount, property type, and occupancy. Call me for a live quote. ✦✦✦ What Moved Rates This Week Short version: oil and inflation. The conflict in the Middle East pushed oil prices up again. Higher oil means higher costs to make and move just about everything. That feeds inflation, and inflation is what drives mortgage rates. The 10-year Treasury climbe...