Florida Condotel Mortgage

09/19/2026

Jeff Taylor, mortgage tech OG, leaving Digital Risk: The serial entrepreneur, who also created Rapid Reporting and American Transfer & Trust, plans to remain active in industry causes, a LinkedIn post said.

The serial entrepreneur, who also created Rapid Reporting and American Transfer & Trust, plans to remain active in industry causes, a LinkedIn post said.

09/18/2026

final-fidelity-self-employed-ad-72s-final: final-fidelity-self-employed-ad-72s-final ♬ original sound - Fidelity Home Group® - Fidelity Home Group®

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09/18/2026

Selling this fall? Starting strong matters even more this time of year.

In the fall, buyer activity typically starts to slow while the number of homes for sale climbs. That means fewer buyers may be looking at more options – so you want your house to stand out from day one.

Here’s the cheat sheet for how to make that happen.

Price it for today’s buyers. Not what your neighbor sold for a few years back.

Make your house hard to pass up. Tackle essential repairs and spend time on your curb appeal.

Stay flexible when offers come in. This is not the season to play hardball.

And be ready to adjust when needed. If you keep getting the same feedback from buyers, take it to heart.

If you want to sell before the end of the year, let’s make sure you have the right strategy from the start. Because with the right plan, selling in the fall is a no brainer.

09/18/2026

Home buyers hold the clear upper hand in today's market: Almost 45% of buyers received a seller concession this summer, while more than 15% saw a reduction in the asking price to go along with it, according to Redfin.

Almost 45% of buyers received a seller concession this summer, while more than 15% saw a reduction in the asking price to go along with it, according to Redfin.

09/18/2026

Fixed mortgage rates climbed to 6.85% this week, while adjustable-rate borrowers caught a break. Per the Mortgage Bankers Association Weekly Applications Survey for the week ending September 4, 2026: the 30-year fixed averaged 6.85%, up 0.06 point from 6.79%. The 15-year fixed rose to 6.17% from 6.14%. The 5/1 ARM fell to 5.82% from 5.94%. These are national average contract interest rates, not APRs, and not our advertised rates. A 5/1 ARM generally holds a fixed introductory rate for five years, then adjusts annually. That lower starting rate should be weighed against future payment uncertainty. Total applications fell 2.7%, with refinancing down about 6% and purchase activity down just 0.2: Fixed mortgage rates climbed to 6.85% this week, while adjustable-rate borrowers caught a break. Per the Mortgage Bankers Association Weekly Applications Survey for the week ending September 4, 2026: the 30-year fixed averaged 6.85%, up 0.06 point from 6.79%. The 15-year fixed rose to 6.17% from 6.14%. The 5/1 ARM fell to 5.82% from 5.94%. These are national average contract interest rates, not APRs, and not our advertised rates. A 5/1 ARM generally holds a fixed introductory rate for five years, then adjusts annually. That lower starting rate should be weighed against future payment uncertainty. Total applications fell 2.7%, with refinancing down about 6% and purchase activity down just 0.2%. ARMs rose to 8.5% of applications, the highest share since June. Florida is not one uniform market. In new-construction communities, buyers may still negotiate price reductions or temporary buydowns. Where supply is contracting, such as Cape Coral and Jacksonville, a fully documented preapproval matters more. Our advice this week: get a fully documented preapproval, compare fixed and adjustable-rate options against your expected ownership period, and factor in taxes, insurance and association dues before you commit. We can prepare side-by-side mortgage scenarios so you can evaluate payment, cash-to-close and program options. Call us 7 days a week at 407-955-4575. ♬ original sound - Fidelity Home Group® - undefined

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09/18/2026

What if you could buy a home without showing a single tax return or W-2? For many self-employed, freelance, and commission-based Floridians, the paperwork tells an incomplete story. Your tax returns show deductions. Your W-2s don't exist. Your real financial picture lives beyond the forms. That's who our Stated Income Mortgage is built for. If you can't document income the traditional way, this program looks at your overall financial and credit profile, with mortgage payment reserves standing in for the paperwork you don't have. Here is how it works for a primary residence purchase: Minimum 20% down with a 720 credit score and at least 9 months of reserves. Or a minimum 25% down with a 680 c: What if you could buy a home without showing a single tax return or W-2? For many self-employed, freelance, and commission-based Floridians, the paperwork tells an incomplete story. Your tax returns show deductions. Your W-2s don't exist. Your real financial picture lives beyond the forms. That's who our Stated Income Mortgage is built for. If you can't document income the traditional way, this program looks at your overall financial and credit profile, with mortgage payment reserves standing in for the paperwork you don't have. Here is how it works for a primary residence purchase: Minimum 20% down with a 720 credit score and at least 9 months of reserves. Or a minimum 25% down with a 680 credit score and at least 6 months of reserves. On refinances, you can go up to 75% loan-to-value with a 700 credit score and 9 months of reserves, or up to 70% loan-to-value with a 680 credit score and 6 months of reserves. Debt consolidation is treated as a rate and term refinance. A few details that matter: No 4506-T tax return verification. No income documents required, which means tax returns, W-2s, and pay stubs are not needed. No employment required. Cash-out can be used as reserves. 100% gift funds are allowed. Up to 6% seller concession is permitted. Property types include single family homes and townhomes. Detached warrantable condos are allowed with 25% down, attached warrantable condos with 30% down, and non-warrantable condos with 50% down. Primary residence only. If your income has never fit neatly on a pay stub, that doesn't mean homeownership is out of reach. Let's look at your full picture and see if a Stated Income Mortgage is the right fit. Call us 7 days a week at 407-955-4575. ♬ original sound - Fidelity Home Group® - undefined

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09/18/2026

Renovation lending opportunities await lenders, survey finds: With 55% of homeowners planning to renovate rather than relocate, demand for home improvement capital will be strong even if the purchase market slows further.

With 55% of homeowners planning to renovate rather than relocate, demand for home improvement capital will be strong even if the purchase market slows further.

09/17/2026

The Best Time To Buy a Home in 2026 Is Almost Here

If you want to buy a house this year, there’s still a way to make it happen, even with today’s rates. This fall gives you the chance to get some of the best seasonal perks the market has to offer.

Want help figuring out when those advantages typically show up in our market?

Let's have a quick conversation about how our market works and the steps you’ll need to take to get ready.

Want to buy a house this year, but not sure if the timing’s right? Seasonally, it may actually be a better time to buy than you expect.

09/17/2026

Trump backs Warsh, faults 'hostile' Fed board for rate hike: Trump's comments suggest he is willing to give his hand-picked chairman leeway, even as he increases pressure on the central bank to lower borrowing costs.

Trump's comments suggest he is willing to give his hand-picked chairman leeway, even as he increases pressure on the central bank to lower borrowing costs.

09/17/2026

There’s a Better Way To Price Your House: There’s one decision you're going to make when you sell that determines whether your house sells quickly, or it sits.

There’s one decision you're going to make when you sell that determines whether your house sells quickly, or it sits.