Latest Articles
Adjustable-Rate vs. Fixed-Rate Mortgages: Which Fits Tampa Bay Buyers?
Choosing between an ARM and a fixed-rate mortgage comes down to how long you plan to stay in your Tampa Bay home and how much rate uncertainty you can handle.
Josh Richardson10FHA vs. Conventional: Same House, Different Mortgage. What's Best for My Future?
FHA or conventional? Choosing the right mortgage involves more than comparing interest rates. From down payments and credit profiles to mortgage insurance and long-term savings, discover the differences between these popular loan options and what to consider when choosing the right fit for you.
Ryan Guess90Being Ready for "The One"
Ready Starts With a Plan: Being Ready When “The One” Appears
Brian Dewald30St. Simons Island Homes & DSCR Rental Financing | Mortgage Miles
Discover why St. Simons Island stands out for coastal living, relaxing getaways, and rental possibilities. Mortgage Miles explains DSCR financing and what buyers should know before combining investment plans with personal use.
Miles Mixon110Understanding Mortgage Points: When Buying Down Your Rate Makes Sense in Tampa Bay
Mortgage points let Tampa Bay buyers trade upfront cash for a lower interest rate. Here's how the math works and when paying points actually pays off.
Josh Richardson10"Just Refinance Later" Isn't a Plan. Here's the Math.
Counting on a refinance after you buy? Here's the break-even math, what you'd need to qualify again, and your options if rates don't drop.
Jennifer Chicano50📉📈 Market commentary for Monday October 26, 2026
Market commentary for Monday October 26, 2026
Brian Cavanaugh005 cosas que debes revisar antes de comprar una casa en subasta en Florida
¿Estás pensando en comprar una casa en subasta en Florida? Descubre 5 aspectos clave que debes revisar antes de ofertar, desde los gravámenes y el estado de la propiedad hasta los costos, los plazos de pago y las opciones de financiamiento. Infórmate antes de invertir y toma decisiones más estratégi
Maria Ballester10Downsize Without a Mortgage Payment: The Smartest Retirement Move Few People Know About
Who knew you could buy a home with a Reverse Mortgage? It is the best solution for an aging Senior looking to make their retirement dignified and last as long as they do
Dusty Lloyd150How to Compare Loan Estimates in Missouri & Kansas
A lower mortgage rate can come with higher upfront costs. Use seven practical checks to compare Loan Estimates, understand the tradeoffs, and prepare for a Missouri or Kansas mortgage second opinion.
Zach Brown100The Fed Raised Rates Today. Your Mortgage Rate Didn't Get the Memo
The Fed just hiked rates for the first time since 2023. Here's why that barely touches your mortgage rate, and how a seller-paid rate buydown can still make your next home more affordable.
Scott Shannon120Jumbo Loans in Tampa Bay: What Counts as Jumbo and How Qualifying Differs
What separates a jumbo loan from a conforming one in Tampa Bay, how the qualifying bar is different, and how to prepare.
Josh Richardson30Asset-Rich but Income-Light? Your Savings May Help You Qualify for a Wyoming Home
Asset-rich Wyoming buyers with limited traditional income may be able to use eligible savings, investments, or retirement assets to help qualify for a mortgage. Guild’s Expanded Asset Utilization program considers the borrower’s overall financial strength rather than relying on a monthly paycheck.
Kim Woodworth20Could Mortgage Rates Drop Below 7% for the Holidays?
Mortgage rates below 7% could be back in play for the holidays if bond yields ease, oil prices cool, trade policy remains stable and economic growth shows signs of slowing. For buyers, that could improve affordability—but lower rates may also bring more competition back into the market. The next few
Evan Hankel280How Can George Help?
Read the article and see what opportunities you may be missing.
George Koutsos10Mortgage Rates Near 7.4%: How Much Home Can You Afford in Kansas City in October 2026?
Mortgage rates are near 7.4% in October 2026. See how rates affect Kansas City homebuyer purchasing power, monthly payments, and whether to buy or wait.
Jason Rains40What Seller Credits Don’t Cover
Seller credits can help with eligible closing costs and prepaid expenses, but they do not automatically cover everything a buyer needs for closing. Here’s where the limits come in.
Jennifer Chicano151Rent vs. Buy: The Math of Homeownership, Part 3
The Forced Savings Account You're Already Paying For
Christie Latham50¿Tienes DACA y quieres comprar una propiedad de inversión en Estados Unidos?
Descubre qué requisitos podrías necesitar para comprar una propiedad de inversión con DACA en Estados Unidos y qué debes evaluar antes de solicitar financiamiento.
Maria Ballester20Be Prepared with a Pre-Approval
Ready Starts With a Plan: Preparing for Pre-Approval
Brian Dewald50Will Your Overtime, Bonus, Commission or Self-Employment Income Count Toward a Wyoming Mortgage?
Wyoming buyers with overtime, bonuses, commissions, or self-employment income may still qualify for a mortgage if the income is stable, documented, and likely to continue. Applying early gives the lender time to review income trends, calculate qualifying income, and identify the best loan options.
Kim Woodworth20How to Buy Your First House and Where to Start
Buying your first home? Start with a clear plan. Learn how to set a comfortable budget, get preapproved, explore down payment options and prepare for closing costs. This step-by-step guide walks first-time buyers through the process, from getting started to getting the keys.
Mark Wilkins52Buying a Tampa Bay Home in 2027? A Month-by-Month Mortgage Readiness Plan
Planning to buy in the Tampa Bay area in 2027? Follow this month-by-month readiness plan, from credit review and pre-approval to closing day.
Josh Richardson21If the Refinance Never Comes, Does Your Plan Still Work?
Lower mortgage rates might be coming. But what if they aren't?
Josh Velazquez31
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