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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

5:59

What is the process like for a Reverse Mortgage

Buying Florida ·

2024/07/11

I like to see what is available for you by getting your age and the approximate value of your home. Once we have that and go over what you may have available, we encourage you to get take the Gov't class which costs about $190. You have a 3rd party that goes over all the details of a Reverse Mortgage making sure you understand everything and it makes sense.When that is complete, I will meet with you at your home and go through all the documentation that is required to be signed I also ask tha...

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3:55

What happens after your home closing with all the...

Buying Florida ·

2024/07/04

After closing on a mortgage, many new homeowners notice a significant increase in the amount of unsolicited mail, often referred to as "junk mail." Here's why this happens and what you can expect:Why You Receive More Junk MailPublic Records: When you close on a mortgage, the transaction becomes a matter of public record. Companies that sell products and services related to homeownership often purchase these public records to target new homeowners.Credit Inquiries: Mortgage lenders typically m...

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2:58

Do you have enough insurance coverage with all the...

Buying Florida ·

2024/06/27

How long has it been since you have lived in your home? what did you pay for it back then and what is the value today after all of the home appreciation?Maybe it is time to call your insurance agent and ensure you have replacement coverage.Our home has been our wealth over the years and I think it is important to make sure you are well covered.tune in and learn at https://www.ddamortgage.com/blogdidier malagies nmls#212566dda mortgage nmls#324329 Support the Show.

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4:51

PMI is different on FHA, VA, and Conventional Mortgages

Buying Florida ·

2024/06/20

VA Mortgages have no monthly PMI, they have a funding fee that goes on top of the loan and it varies from a first-time VA buyer to a second-time user if there is a certain percentage of disability then no funding fee.With an FHA Mortgage, there is an upfront funding fee of 1.75% and a .55 factor for monthly PMI. Now for Conventional Mortgages, there is no upfront funding fee only a monthly PMI and that depends on your credit scores and down payment on your home.With an excellent credit score,...

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3:28

The loan limits for FHA, Va, and Conventional

Buying Florida ·

2024/06/13

For Conventional loans, limits are now at $766,550 before entering Jumbo territory. You can buy a home for $806,842 putting 5% down and still be Conventional. Now for FHA the loan limit is $498,257. you can buy a home for $516,328 putting 3.5% down nowA VA mortgage can go up to $2,000,000 with no money down. 100% financing up to $2,000,000With the cost of everything going up, it is nice to see the Government increasing the loan limits to accommodate the higher pricestune in and learn at...

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4:49

A DSCR loan uses rental income only to qualify for a...

Buying Florida ·

2024/06/06

A residential DSCR (Debt Service Coverage Ratio) loan is a type of mortgage typically used for investment properties, where the approval and terms of the loan are based on the property’s income rather than the borrower’s personal income. The DSCR is a measure of a property's ability to generate enough income to cover its debt obligations. Here's a more detailed explanation:Key Points of a Residential DSCR Loan:Debt Service Coverage Ratio (DSCR):The DSCR is calculated by dividing the property'...

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4:15

Needing only 1 year's return for the self-employed...

Buying Florida ·

2024/05/30

I learned a hard lesson on a loan last year, I had a borrower who was self-employed for the last 2 years but another company was self-employed for 3 years. I took that loan as a non-QM with a higher rate. The borrower had another broker run it and required only 1 year's return and he qualified which lost me the deal. He would not have qualified for the 2 year's returns. A hard lesson learned and always to have the loan run to see if you get just one year's return. Having one Year's return mak...

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6:33

Why use a Mortgage Broker

Buying Florida ·

2024/05/23

Mortgage brokers are intermediaries between borrowers and lenders, offering assistance in finding and securing mortgage loans. Here's what they typically provide:Access to Multiple Lenders: Mortgage brokers work with a variety of lenders, including banks, credit unions, and private lenders. This allows them to offer borrowers a range of options to suit their needs.Expertise and Guidance: Brokers have in-depth knowledge of the mortgage market, including various loan products, interest rates, a...

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6:00

What you need to know about FHA203k

Buying Florida ·

2024/05/16

There are two main types of FHA 203(k) loans:Standard 203(k) Loan: This is for more extensive renovations and repairs, including structural changes and repairs that exceed $35,000. The loan amount is based on the projected value of the property after the renovations.Limited 203(k) Loan: This is for less extensive renovations and repairs, typically costing less than $35,000. It's often used for cosmetic improvements, such as updating kitchens or bathrooms.Some key points about FHA 203(k) loans...

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4:34

What are the 3 different types of FHA Mortgages

Buying Florida ·

2024/05/09

1. Regular FHA where you can put down 3.5% have lower credit scores, higher income debt ratios2. FHA203k - Mortgage you can do with an added feature of having Home improvements where you buy a home and get things done like a new roof, air conditioning, etc ., and have it all in one.3. I am going to catch you on this one, did you know that Reverse Mortgage is an FHA?So really 3 different types of vehicles that can get you into a home or get home improvements included in the financing or ...

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5:38

Mortgages and Inflation

Buying Florida ·

2024/05/02

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4:21

What opportunities are their for First-Time Homebuyers

Buying Florida ·

2024/04/25

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5:32

What is going on with interest rates

Buying Florida ·

2024/04/18

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4:53

What do you need to know about VA Mortgage

Buying Florida ·

2024/04/11

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5:07

Getting an FHA203k or a Conventional Renovation Mortgage

Buying Florida ·

2024/04/04

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6:44

What different type of mortgages are there

Buying Florida ·

2024/03/28

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4:08

Refinancing your mortgage using the blended rate

Buying Florida ·

2024/03/21

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2:49

1% down for the purchase of your home

Buying Florida ·

2024/03/14

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3:18

Bridge loans for commercial loans and residential...

Buying Florida ·

2024/03/07

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6:17

Is a Reverse Mortgage tabboo

Buying Florida ·

2024/02/29

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