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PODCAST

South Florida Mortgage Report

Craig Garcia and Bill Mei

Welcome to **The South Florida Mortgage Report** — the only place where mortgages meet palm trees 🌴. Craig Garcia and Bill Mei aren’t just mortgage pros — they’re Florida natives, Navy vets (well, Bill is 😉), and seasoned guides through the sometimes *wild and wavy* waters of home financing. From first-time buyers to savvy investors, VA loans to jumbo deals, they’ll break it all down with straight talk, good humor, and just enough insider knowledge to make you the smartest person at the closing

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All Episodes

00:26:47

Can You REALLY Take Your Mortgage With You?

South Florida Mortgage Report ·

2025/11/21

This week on The South Florida Mortgage Report, Billy “Hat Dude” Mei and Craig A. Garcia unpack the buzz around mortgage portability — the idea of taking your low-rate mortgage with you to your next home.They break down how mortgages are really funded, why bond investors matter, and why “just letting people keep their 3% rate” isn’t as simple (or harmless) as it sounds. The guys touch on affordability, first-time buyers, institutional investors, and wrap up with a quick look at where rates and the

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00:53:04

Protecting Your Real Estate Business in South Florida

South Florida Mortgage Report ·

2025/11/14

Are you a South Florida real estate agent or investor trying to grow your business and stay out of legal trouble?In this episode of the South Florida Mortgage Report, Billy “Hat Dude” Mei and Capital Partners Mortgage President Craig A. Garcia sit down with Marine Corps veteran and attorney A.J. Yolofsky of Yolofsky Law to talk about how to PROTECT your real estate business the right way.👨‍⚖️ WHAT WE COVER IN THIS EPISODE• The biggest legal risks real estate agents face as they “level up” • When

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00:14:28

Is the 50-Year Mortgage the Answer? We Break It Down.

South Florida Mortgage Report ·

2025/11/13

Welcome back to the South Florida Mortgage Report!In today’s mid-week episode, Craig Garcia (President of Capital Partners Mortgage) and Billy “The Hat Dude” Mei break down two big mortgage headlines making waves:🔹 1. Fannie Mae Drops the 620 Minimum Credit Score — But What Does That Really Mean?There’s been a lot of buzz about Fannie Mae eliminating the long-standing 620 minimum FICO requirement. Craig and Billy unpack:Whether borrowers with sub-620 scores will actually get approvedWhy credit

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00:14:21

🎙️ South Florida Mortgage Report | November Market...

South Florida Mortgage Report ·

2025/11/10

In this week’s South Florida Mortgage Report, your “hat dude” Billy Mei and Craig A. Garcia, President of Capital Partners Mortgage, dive into what’s happening right now in the mortgage and real estate world — from rising rates to property tax pitfalls and the truth behind all that “South Florida housing crash” talk online.💡 In this episode:📈 Mortgage rate update — Freddie Mac’s latest survey and what it really means🏛️ The government shutdown’s impact (and what’s actually unaffected)💰 Property

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00:04:19

Fed Talk Spooks the Market 👻 | South Florida Rates...

South Florida Mortgage Report ·

2025/11/03

Craig Garcia and Billy Mei wrap up an incredible conversation with South Florida real estate legend Hap Pomerantz — and dive right into what’s happening with mortgage rates this week after the latest Fed meeting.💡 In this episode:Why the Fed doesn’t actually control mortgage ratesWhat Jerome Powell said that made rates tick up againWhy South Florida’s housing market remains strong and steady🏡 Insight, humor, and a little Halloween spirit — all in one quick Mortgage Report wrap-up!👉 Watch, like,

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00:33:10

Real Estate Wisdom with Hap Pomerantz — 45 Years of...

South Florida Mortgage Report ·

2025/11/03

🎙️ South Florida Mortgage Report: Real Estate Wisdom with Hap Pomerantz — 45 Years of South Florida Experience!In this very special episode of the South Florida Mortgage Report, hosts Billy Mei and Craig A. Garcia, President of Capital Partners Mortgage, sit down with South Florida real estate legend Hap Pomerantz of The Keyes Company.Hap has been selling homes in South Florida for over 45 years, with more than 3,200 closings — all with the same company since 1980! From surviving 17% interest rates

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00:26:04

Mortgage Rates Drop + Fixer-Upper Frenzy: What It...

South Florida Mortgage Report ·

2025/10/27

Episode Description:Craig Garcia and Bill are back for another Finance Friday, broadcasting from sunny Wilton Manors to break down this week’s biggest housing and mortgage stories.📉 Mortgage rates hit their lowest point in over a year — what’s driving it, and how long might it last?🛢️ Oil and inflation: an unexpected connection that can move mortgage rates.🏡 Fixer-uppers are trending — but what property issues will stop your loan cold?⚡ Roofs, electrical panels, mold, missing kitchens — Craig and

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00:36:53

Condo Loan Deep Dive

South Florida Mortgage Report ·

2025/10/20

Condo Lending Deep Dive + Rate Update (South Florida Mortgage Report)Craig Garcia (Capital Partners Mortgage) and Billy Mei unpack two things shaping South Florida buyers right now:Rates: why the recent dip into the low-6s happened—and how to think about locks.Condos: the must-know differences vs. single-family loans: the 10% reserve budget test, project approvals, limited/streamlined reviews, and when a 75/15/10 first-and-second structure can rescue low-down-payment deals.Programs: why most condos

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00:15:39

The Truth About 2/1 Buydowns: Lower Payments, Smarter...

South Florida Mortgage Report ·

2025/10/13

In this episode of The South Florida Mortgage Report, hosts Bill Mei and Craig Garcia of Capital Partners Mortgage Services break down one of the hottest topics in today’s housing market — the 2/1 temporary interest rate buydown — and what it really means for buyers, sellers, and agents in 2025.They cover:🏠 Mortgage Rate Update — Where rates are trending and how the government shutdown is impacting key economic data.💬 2/1 Buydown Deep Dive — What it is, how it works, and why it’s become a go-to

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00:19:37

Government Shutdown, Declining Markets, and Zero...

South Florida Mortgage Report ·

2025/10/03

Happy Finance Friday! In this South Florida Mortgage Report (Oct 3, 2025), Craig Garcia (President, Capital Partners Mortgage) and co-host Billy dig into a wild week for rates and real estate: a federal government shutdown, softer jobs data, stocks at highs, and why “bad news” can sometimes be “good news” for mortgages. We break down how closings are affected (or not), practical flood-insurance workarounds while NFIP is paused, VA loan processing during a shutdown, and Florida’s headline-grabbing

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00:14:21

Higher Loan Limits, Multi Unit Purchases, and Should...

South Florida Mortgage Report ·

2025/09/26

It’s Aloha Friday and the gents are back form the closing table with a full breakdown of this week’s mortgage headlines and market insights. In this episode, Craig and Billy dive into the latest Freddie Mac rate survey, explaining why mortgage rates can move opposite of Federal Reserve decisions and what that means for buyers heading into Q4.They also unpack a major change in lending guidelines: Freddie Mac now allows up to 95% financing on owner-occupied four-unit properties — aligning with Fannie

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00:15:12

FED Meeting Recap - South Florida Mortgage Report

South Florida Mortgage Report ·

2025/09/22

Mortgage rates dipped below 6.5% in the latest Freddie Mac survey, but what does the Fed’s recent rate cut really mean for homebuyers and homeowners? In this episode of the South Florida Mortgage Report, Craig Garcia and Billy May break down the Fed meeting, why mortgage rates didn’t improve as much as many expected, and what to watch for in upcoming economic data.We also cover specialty loan programs that could be game changers in today’s market:FHA 203(k) & Fannie Mae Homestyle Renovation

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00:09:58

South Florida Mortgage Report - 9/15 FOMC preview

South Florida Mortgage Report ·

2025/09/15

In this episode of The South Florida Mortgage Report, Craig Garcia of Capital Partners Mortgage Services breaks down what to expect from this week’s FOMC meeting, why mortgage rates don’t simply follow Fed cuts, and how buyers can use seller concessions to lock in rates in the low 5% range today. Whether you’re an agent, buyer, or homeowner, you’ll gain clear insights into market trends and actionable strategies to make this market work for you.Helpful Links:📰 Subscribe to the Housing Newsletter✅

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00:10:19

South Florida Mortgage Report - Sept 8th

South Florida Mortgage Report ·

2025/09/08

In this episode of The South Florida Mortgage Report, host Craig Garcia of Capital Partners Mortgage Services goes solo to break down the latest in the mortgage world.Craig starts with an update on Freddie Mac’s Mortgage Rates Survey, explaining how the bond market – not just the Fed – drives changes, and why now may be a favorable moment for buyers and refinancers. He then dives into the newly signed Trigger Lead Bill, clarifying what “trigger leads” are, how they’ve affected borrowers with

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00:15:08

South Florida Mortgage Report - Aug 29

South Florida Mortgage Report ·

2025/09/02

South Florida Mortgage Report – Rates, Housing Data & Condo InsightsBill Mei and Craig Garcia kick off the long weekend with a mix of Dolphins football banter and an in-depth look at the latest trends in mortgages and housing.This week’s episode covers:Mortgage rates trending downward toward the mid-6% range and what’s driving the shift.The Florida Hometown Heroes Program update—why funds may run out faster than expected and how borrowers can still take advantage.The latest FHFA and Case-Shiller

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00:22:04

South Florida Mortgage Report - 8/22 - No J-Hole Friday!

South Florida Mortgage Report ·

2025/08/22

In today’s South Florida Mortgage Report, Craig Garcia and Bill Mei dive into the highlights from Jackson Hole, including Federal Reserve Chair Jerome Powell’s “friendly address” and its implications for the future of interest rates. The episode also covers Bill Pulte going after Fed member Lisa Cook on the topic of mortgage fraud, adding some fiery commentary to the mix.Plus, Craig shares his recent feature in a national magazine on HFA loans—check it out here.Whether you’re a Realtor, homebuyer,

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00:15:04

South Florida Mortgage Report - August 18th

South Florida Mortgage Report ·

2025/08/22

In this week’s South Florida Mortgage Report, Craig Garcia and Bill Mei unpack the latest inflation report and its ripple effects on mortgage rates. They also break down recent commentary from Treasury Secretary Bessent and what it could mean for housing and finance professionals. Rounding out the discussion, Bill and Craig share smart strategies on how to buy your new home before you sell your current one—a must-know for buyers navigating today’s competitive market.Whether you’re a Realtor advising

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00:32:59

South Florida Mortgage Report - Featuring Carlos...

South Florida Mortgage Report ·

2025/08/22

Join Craig Garcia and Bill Mei on this week’s South Florida Mortgage Report, featuring a special spotlight on Carlos Gonzalez of Atlantic Building Inspections. They break down the latest mortgage rate trends, share essential insights for real estate professionals and clients, and explain how a trusted home inspection partner can elevate your deals with confidence. Whether you're prepping a property for sale, advising buyers, or tightening contingency clauses—knowing the ins and outs of home

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00:14:17

South Florida Mortgage Report - August 6th

South Florida Mortgage Report ·

2025/08/22

Florida Hometown Heroes Program returns! Plus the future direction of interest rates and The FED, the recent jobs report, and more!Helpful Links:• Housing Newsletter: Stay informed with curated mortgage and housing insights delivered straight to your inbox: Subscribe here• Pre-Approvals 24/7: Get started with mortgage pre-approvals anytime—whichever link works best for you:o Option 1o Option 2

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00:13:15

South Florida Mortgage Report - July 31st

South Florida Mortgage Report ·

2025/08/22

Episode Description:In this week’s South Florida Mortgage Report, Craig Garcia and Bill Mei tackle your top mortgage and market questions with clarity and insight. This time around, they break down the latest mortgage rate updates, explain why the Fed isn’t lowering rates anytime soon, and dive into the pros and cons of closing on your home before starting a new job. Plus, they explore the My Safe Florida Home program—what it offers, how it works, and whether it could be the perfect fit for your

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