The Mortgage Guru

The Mortgage Guru Ricardo Diaz | Producing Branch Manager
Preferred Rate
NMLS # 325871 | Branch NMLS # 2047476
Helping Clients Make Smart Mortgage
Financing Decisions.

Florida Based Lender
Leader/Mentor/Adventurer
For More Ways to Reach Me:
https://linktr.ee/diazrji

Conventional loan limits are increasing in 2026! This is great news for borrowers who are trying to take advantage of t...
12/03/2025

Conventional loan limits are increasing in 2026! This is great news for borrowers who are trying to take advantage of the conventional loan product versus a jumbo loan. Call me or message me to discuss your mortgage needs.

06/20/2025

Concerned about recent news regarding a potential housing market downturn? Don't let misleading media reports discourage you from pursuing the opportunity to build wealth through homeownership.

Pets are part of the family—and that means they’re part of the homebuying process too! 🐶🐱 From choosing the right neighb...
06/12/2025

Pets are part of the family—and that means they’re part of the homebuying process too! 🐶🐱 From choosing the right neighborhood to planning for pet-related home upgrades, it all starts with a smart budget and the right loan. I’m here to help you get preapproved so you and your pets can find the perfect place to settle in. Ready to start the journey? Let’s connect!

2025 New Year Resolutions...
01/29/2025

2025 New Year Resolutions...

01/29/2025

House photos, infographics, and listing agent details for 2587 Summer Star Way, Leesburg, FL, 34748. This home is priced at $326000, with 3 beds, 2 baths, and 1725 sqft.

Just a reminder! Your first home doesn’t have to be your last. It can be a stepping stone to get you to your forever hom...
10/24/2023

Just a reminder! Your first home doesn’t have to be your last. It can be a stepping stone to get you to your forever home! By purchasing your monthly mortgage payments go towards gaining you more equity in your home!

¡Solo un recordatorio! Tu primer hogar no tiene que ser el último. ¡Puede ser un trampolín para llevarte a tu hogar para siempre! ¡Al comprar, tus pagos mensuales de hipoteca van hacia ganar más equidad en tu hogar!

This or that? I think cottage style is so charming but there’s something special about a classic southern look! 🏡 ...
10/19/2023

This or that? I think cottage style is so charming but there’s something special about a classic southern look! 🏡



¿Esto o aquello? Creo que el estilo de cabaña es encantador, pero hay algo especial en una apariencia clásica del sur. 🏡

Getting ready to step into homeownership?Understanding your credit score is key!Here's the breakdown:1️⃣ 35% of your sco...
10/17/2023

Getting ready to step into homeownership?
Understanding your credit score is key!
Here's the breakdown:

1️⃣ 35% of your score is payment history - make those payments on time!

2️⃣ 30% is credit utilization - keep your balances low relative to your credit limits.

3️⃣ 15% is length of credit history - older accounts can be better for your score.

4️⃣ 10% is credit mix - lenders like to see a variety of credit types.

5️⃣ 10% is new credit - too many new accounts can lower your score.

Whether you're a first-time homebuyer or on your next chapter, understanding these factors can unlock the door to your dream home. 🗝

Imagine home insurance as your property's financial shield . It protects you from the expenses of a potential rebuild...
10/16/2023

Imagine home insurance as your property's financial shield .

It protects you from the expenses of a potential rebuild after a fire, replacing stolen items, home repairs post-storm, and liability if someone gets injured on your turf.

Remember, if you're opting for a mortgage, your lender will insist on home insurance, and it is usually factored into your closing costs.

SO, WHAT'S THE COST TO MY WALLET?

Home insurance costs differ by state and by property for that matter.

However, to give you a ballpark, the 2022 national average was $1,383 annually for a $250,000 coverage policy.

Note that these premiums are usually paid monthly, bundled with your mortgage payment.

Whether you're planning to buy or sell a home this season, or if you've got questions about the journey, I'm just a DM away.

Imagina el seguro de hogar como el escudo financiero de tu propiedad.

Te protege de los gastos de una reconstrucción potencial después de un incendio, reemplazo de artículos robados, reparaciones en el hogar después de una tormenta y responsabilidad civil si alguien resulta herido en tu propiedad.

Recuerda que si optas por una hipoteca, tu prestamista insistirá en un seguro de hogar, y generalmente se incluye en los costos de cierre.

ENTONCES, ¿CUÁL ES EL COSTO PARA MI BOLSILLO?

Los costos del seguro de hogar varían según el estado y la propiedad en cuestión.

Sin embargo, para darte una idea aproximada, el promedio nacional en 2022 fue de $1,383 anuales para una póliza de cobertura de $250,000.

Ten en cuenta que estas primas generalmente se pagan mensualmente, incluidas en tu pago de hipoteca.

Ya sea que estés planeando comprar o vender una casa en esta temporada, o si tienes preguntas sobre el proceso, estoy a solo un mensaje directo de distancia.

With the weather slowly changing it is always a good idea to check/change the weather stripping around doors! This could...
10/13/2023

With the weather slowly changing it is always a good idea to check/change the weather stripping around doors! This could help you save money on your power bill! 🏡💲



Con el clima cambiando lentamente, ¡siempre es una buena idea revisar/cambiar el sellado alrededor de las puertas! ¡Esto podría ayudarte a ahorrar dinero en tu factura de energía! 🏡💲

When looking to use your VA home loan benefits it is important to remember you can’t use your VA loan benefits to buy a ...
10/11/2023

When looking to use your VA home loan benefits it is important to remember you can’t use your VA loan benefits to buy a vacation home or an investment property. There are residency requirements set by the VA that make these properties ineligible. If you have any questions about VA home loans I am your guy! 🇺🇸🏡

Cuando buscas utilizar tus beneficios de préstamo hipotecario VA, es importante recordar que no puedes utilizar tus beneficios de préstamo VA para comprar una casa de vacaciones o una propiedad de inversión. Hay requisitos de residencia establecidos por la VA que hacen que estas propiedades sean inelegibles. ¡Si tienes alguna pregunta sobre los préstamos hipotecarios VA, soy tu hombre! 🇺🇸🏡

Address

1421 Pine Ridge Road , Suite 200
Naples, FL
34109

Telephone

+13212282608

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