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PODCAST

Buying Florida

Didier Malagies

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,

business investing

All Episodes

3:07

When the Fed says they are dropping rates next month,...

Buying Florida ·

2025/08/28

Great question. Markets don’t usually wait until the Fed actually cuts rates to react — they move in advance, based on expectations. Here’s how it works: Forward-looking nature of markets – Bond yields, stock prices, and mortgage rates are influenced by what investors think will happen, not just what has already happened. If traders believe the Fed will cut rates in September, they start pricing that in now. Fed communication – The Fed often signals its intentions ahead of time through spe...

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4:32

Shop your homeowners insurance annually, let me tell...

Buying Florida ·

2025/08/21

Yes — shopping for your homeowners' insurance annually is generally a smart move. Here’s why: 1. Rates change more than you think. Insurance companies regularly adjust premiums based on inflation, claims data, weather patterns, and even changes to your credit or risk profile. A company that was the cheapest two years ago might now be in the middle of the pack. 2. Your coverage needs can shift. If you’ve renovated, added security systems, bought expensive personal items, or paid off your mo...

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4:02

1% down program , tune in and see if you qualify

Buying Florida ·

2025/08/14

Program Overview Borrower Contribution: You pay 1% of the purchase price as the down payment. Lender provides a 2% grant, bringing your total to 3% down, which is the typical minimum for conventional loans. For example, on a $250,000 home: You pay $2,500 (1%) Lender adds $5,000 (2%) You start owning 3% equity from day one Eligibility Requirements To qualify for ONE+, you must meet all of the following: Income: At or below 80% of your area's median income (AMI) National Mortgage Prof...

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3:24

Now the 40 year interest fixed for the first 10 years

Buying Florida ·

2025/08/07

A 40-year interest-only fixed for 10 years mortgage is a specialized loan product with the following structure: 🔹 Loan Term: 40 Years Total length of the mortgage is 40 years. 🔹 Interest-Only Period: First 10 Years For the first 10 years, the borrower only pays interest on the loan. No principal is paid down during this time (unless the borrower chooses to). Monthly payments are lower because they do not include principal repayment. 🔹 Fixed Interest Rate: First 10 Years The interest

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5:33

watch the 10 year treasury and you will see what...

Buying Florida ·

2025/07/31

When the 10-year Treasury yield goes down, it generally signals lower interest rates and increased demand for safe-haven assets like U.S. government bonds. Here’s what typically happens across different areas of the economy and markets: 🔻 Why the 10-Year Treasury Yield Drops Increased demand for bonds: Investors buy Treasuries during uncertain times (e.g., recession fears, geopolitical risk), which drives prices up and yields down. Expectations of lower inflation or interest rates: If the

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3:42

Mixed Use and Multi Family

Buying Florida ·

2025/07/24

Key Characteristics of a Mixed-Use Property: Feature Description Use Types Typically includes residential, commercial, retail, office, and sometimes hospitality or industrial components. Zoning Must be zoned for mixed-use by the local municipality. Layout Different uses are separated vertically (e.g., retail on bottom, housing on top) or horizontally (different sections of the development). Ownership Can be owned by an individual, company, REIT, or government entity; may be leased or so...

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5:06

What really happens when the Fed drops the rates?

Buying Florida ·

2025/07/17

Businesses can borrow more cheaply to invest in growth. 💸 2. Consumer Spending Increases Since borrowing is cheaper and savings earn less interest, people are more likely to spend money rather than save it. This can boost demand for goods and services, helping to stimulate economic activity. 🏦 3. Savings Yield Less Savings accounts, CDs, and bonds typically offer lower returns. This can push investors to move money into riskier assets like stocks or real estate in search of higher

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4:00

What about all the disclosures I get during the loan...

Buying Florida ·

2025/07/10

During the mortgage process, several disclosure documents are provided to help you understand the terms of the loan, your rights, and the costs involved. These disclosures are required by law and are designed to promote transparency and protect you as a borrower. Here’s a breakdown of the key disclosures you'll receive: 1. Loan Estimate (LE) When: Within 3 business days of submitting a loan application. Purpose: Provides a summary of the loan terms, estimated interest rate, monthly payment,...

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3:14

Buying a home and keeping your present home

Buying Florida ·

2025/07/03

Buying a new home while keeping your current one can be a smart investment strategy—but it does come with financial challenges, especially when it comes to managing debt. Here are ways you can offset or manage the debt to make this dual-home scenario work: 🔑 1. Rent Out Your Current Home Offset: Use rental income to cover the mortgage on your existing home. Pros: Helps cover the mortgage or even generate cash flow. Note: Lenders often count a portion of projected rental income toward your

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3:48

How does a specific power of attorney work with a...

Buying Florida ·

2025/06/26

A Specific Power of Attorney (POA) for a mortgage closing is a legal document that allows one person (the principal) to authorize another person (the agent or attorney-in-fact) to act on their behalf only for the purpose of completing a mortgage transaction—typically when the principal cannot be physically present at the closing. Key Points of How It Works: ✅ Purpose-Specific Authorization The document limits the agent’s authority strictly to the mortgage transaction, such as signing loan do...

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6:15

AI and Second Mortgages

Buying Florida ·

2025/06/19

Here’s a simple and clear breakdown of how AI is making second mortgages easier for homeowners and lenders alike: 🔍 What Is a Second Mortgage? A second mortgage lets homeowners borrow against their home's equity, without replacing their existing mortgage. Common types: Home Equity Loan (lump sum) HELOC (Home Equity Line of Credit) 🤖 How AI Makes Second Mortgages Easier 1. Faster Approval Times AI streamlines credit, income, and property evaluations. Cuts days or weeks off traditional

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2:44

What mortgage programs do we offer

Buying Florida ·

2025/06/12

We offer 2nd mortgages on primary, secondary, and investment properties we do purchases or refinances on Conventional, FHA, VA, and Non- Qm mortgages, We do Reverse Mortgages, Construction Permanent loans, FHA203k, and Conventional Renovation loans. Let me know how we can help you or someone you know tune in and learn at https://www.ddamortgage.com/blog Didier Malagies nmls#212566 dda mortgage nmls#324329 Support the show

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3:14

Buying a home and keeping your present home

Buying Florida ·

2025/06/05

Buying a new home while keeping your current one can be a smart investment strategy—but it does come with financial challenges, especially when it comes to managing debt. Here are ways you can offset or manage the debt to make this dual-home scenario work: 🔑 1. Rent Out Your Current Home Offset: Use rental income to cover the mortgage on your existing home. Pros: Helps cover the mortgage or even generate cash flow. Note: Lenders often count a portion of projected rental income toward your

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2:22

What else should I know about buying a condo

Buying Florida ·

2025/06/05

Buying a condo is different from purchasing a single-family home, and it's important to understand the unique considerations involved. Here’s a comprehensive list of what you should know before buying a condo: 1. Understand What You're Buying Ownership: With a condo, you own the interior of your unit, but share ownership of common areas (lobby, pool, gym, etc.) with other residents. HOA (Homeowners Association): This governing body manages shared areas and enforces rules. 2. Evaluate the H...

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3:15

With Tariffs and bad auctions should I lock in my...

Buying Florida ·

2025/05/29

Locking in your interest rate can be a smart move under the right circumstances—especially when there's economic uncertainty, like tariffs, geopolitical tension, or volatile inflation. Here are a few key considerations to help you decide: ✅ Reasons to Lock in Now: Rising Rate Environment: If inflation is persistent and the Fed continues to signal rate hikes (or holding rates higher for longer), mortgage and loan rates might increase. Market Volatility: Tariffs and global economic uncertain...

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2:39

Where do I do Mortgages?

Buying Florida ·

2025/05/22

I do Residential Mortgages in the State of Florida only, that is where I am licensed. Most of my business is from Pinellas, Hillsborough, and Pasco County. I am doing more loans all over the State as time goes on. I love to go to my closings and will drive up to 1 hour to be there at your closing. I do Fnma/FHMC, FHA, VA, C/p, Nonqm mortgages. On the Commercial side the whole Country is open and if you are having difficulty with your lender and not going anywhere, go to www....

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5:04

How to choose a mortgage broker when buying or...

Buying Florida ·

2025/05/15

When choosing a mortgage lender, it's important to carefully compare several key factors to ensure you get the best deal and the right fit for your financial situation. Here’s who you might consider and how to evaluate them: 1. Types of Lenders to Consider Banks: Traditional option; may offer relationship discounts if you have accounts there. Credit Unions: Often have lower rates and fees; membership may be required. Mortgage Brokers: Shop multiple lenders on your behalf but may charge a b...

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3:04

How does a Bridge loan work

Buying Florida ·

2025/05/08

A bridge loan is a short-term loan used to "bridge the gap" between buying a new home and selling your current one. It's typically used by homebuyers who need funds for a down payment on a new home before their existing home sells. Here's how it works: You own a current home and want to buy a new one. You haven't sold your current home yet, so your cash is tied up in its equity. A bridge loan gives you access to that equity—before the sale closes—so you can make a down payment or cover clo...

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3:47

Different options on getting cashout on your...

Buying Florida ·

2025/05/01

How it works: Short-term, high-interest loan based on property value, not personal credit. Pros: Fast funding (days instead of weeks). Less strict underwriting. Cons: Very high interest rates (often 8%–15%+). Short loan terms (often 6–24 months). 7. Seller Financing (if you're buying another property) How it works: If you own a property free and clear, you could "sell" it and carry financing, creating cash flow and upfront cash through a down payment. Pros: Passive income from note p...

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3:48

Don't use all your funds to close on your mortgage,...

Buying Florida ·

2025/04/24

When you're buying a home, it's not just about affording the purchase price or down payment. You’ve got closing costs, moving expenses, and all the “surprise” things that come up after you move in — like needing a new appliance, fixing a plumbing issue, or just furnishing the place. Keeping some cash reserves is smart. A good rule of thumb is to have at least 3-6 months of living expenses saved after the purchase, just in case life throws a curveball. Are you thinking about buying soon or j...

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