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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

2:50

New Loan limits have increased in 2026

Buying Florida ·

2025/11/27

Here are the anticipated conforming loan limits for Fannie Mae / Freddie Mac for 2026 (pending official announcement by the Federal Housing Finance Agency): 819,000 is the new loan amount, so you can buy a home for $862,105 and only put 5% down to keep in conforming Interesting how prices of homes have come down, and the loan amounts have increased, so it's another way of not having to go to Jumbo financing. tune in at https://www.ddamortgage.com Didier Malagies nmls212566 DDA Mortgage nml...

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5:25

FNMA now has no credit scores when applying for a...

Buying Florida ·

2025/11/20

What Does “No Credit Score Mortgage” Mean (for FNMA) Policy Change As of November 15, 2025, Fannie Mae’s automated underwriting system (Desktop Underwriter, or DU) will no longer require a minimum third-party credit score. Fannie Mae Instead of relying on a fixed cutoff (like “you must have a 620 FICO”), DU will use Fannie Mae’s proprietary risk-assessment model to evaluate credit risk. Fannie Mae That model considers more than just credit score: payment history, “trended” credi...

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4:29

What would the 50 year amortization mean

Buying Florida ·

2025/11/13

✅ the principal you borrowed ✅ all interest paid over the years ❌ It does NOT include taxes, insurance, or HOA unless noted. Because longer terms spread payments out more slowly, they lower the monthly payment but massively increase total interest paid. Below is a simple example to show how total payments change by loan term. ✅ Example: $300,000 loan at 6% interest 15-Year Mortgage Monthly payment: ≈ $2,531 Total paid: ≈ $455,682 Total interest: ≈ $155,682 30-Year Mortgage Monthly pay...

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6:08

My prediction on what is going to happen next

Buying Florida ·

2025/11/06

Here are the main types of events that typically cause the 10-year yield to drop: Economic slowdown or recession signs Weak GDP, rising unemployment, or falling consumer spending make investors expect lower future interest rates. Example: A bad jobs report or slowing manufacturing data often pushes yields lower. Federal Reserve rate cuts (or expectations of cuts) If the Fed signals or actually cuts rates, long-term yields like the 10-year typically decline. Markets anticipate lower infl...

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4:45

Fed dropping rates next week , what does that exactly...

Buying Florida ·

2025/10/30

🏦 1. Fed Rate vs. Market Rates When the Federal Reserve cuts rates, it lowers the federal funds rate — the rate banks charge each other for overnight loans. That directly affects: Credit cards Auto loans Home equity lines of credit (HELOCs) These tend to move quickly with Fed changes. 🏠 2. Mortgage Rates Mortgage rates are not directly set by the Fed — they’re more closely tied to the 10-year Treasury yield, which moves based on investor expectations for: Future inflation Economic

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4:27

What is trending right now in the mortgage business

Buying Florida ·

2025/10/23

1. FHA Streamline Refinance Purpose: Simplify refinancing for homeowners who already have an FHA loan — lowering their rate or switching from an ARM to a fixed rate with minimal paperwork and cost. Key Features: No income verification usually required No appraisal required in most cases (uses the original home value) Limited credit check — just to confirm good payment history Must benefit financially (lower rate, lower payment, or move to a more stable loan) Basic Rules: You must alre...

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4:38

using other ways to qualify for a mortgage besides...

Buying Florida ·

2025/10/16

Here are alternative ways to qualify for a mortgage without using tax returns: 🏦 1. Bank Statement Loans How it works: Lenders review 12–24 months of your business or personal bank statements to calculate your average monthly deposits (as income). Used for: Self-employed borrowers, business owners, gig workers, freelancers. What they look at: Deposit history and consistency Business expenses (they’ll apply an expense factor, usually 30–50%) No tax returns or W-2s required. 💳 2. Asset

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3:10

Now offering 3rd Mortgages

Buying Florida ·

2025/10/09

A third mortgage is an additional loan secured by the same property after a first and second mortgage already exist. It’s essentially a third lien on the property, which means it’s in third place to be repaid if the borrower defaults — making it riskier for lenders. Because of this higher risk, third mortgages typically: Have higher interest rates, Offer smaller loan amounts, and Require strong borrower profiles or solid property equity. 🤖 How AI Is Transforming 3rd Mortgage Lending AI

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4:03

Always look at the 10-year treasury

Buying Florida ·

2025/10/02

Great question — the 10-year U.S. Treasury Note (T-Note) is one of the most important benchmarks in finance, and it’s tightly linked to interest rates. Here’s a breakdown of how it works and why it matters: 1. What the 10-Year Treasury Is It’s a bond issued by the U.S. government with a maturity of 10 years.Investors buy it, loaning money to the government in exchange for:Semiannual coupon payments (interest), andThe face value back at maturity.Because it’s backed by the U.S. government, it’s...

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3:25

AI underwriting compared to Human underwriting

Buying Florida ·

2025/09/25

Speed & Efficiency AI Underwriting: Processes applications in seconds to minutes. 1.Can instantly pull data from multiple sources (credit reports, bank statements, income verification, property valuations, etc.). Ideal for high-volume, standardized cases. Human Underwriter: Takes hours to days, depending on complexity. Manually reviews documents, contacts third parties, and applies professional judgment. Slower, especially for complex or edge cases. 2. Data Handling AI: U...

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5:16

Finally no more calls due to the Trigger list being...

Buying Florida ·

2025/09/17

Excited to share a major update that will make the homebuying process more secure and less stressful. President Donald Trump recently signed the Homebuyers Privacy Protection Act of 2025 into law. This bill is a significant victory for the real estate industry, as it directly addresses the problem of unwanted calls, texts, and emails that often flood clients upon mortgage application. What's Changing? For years, many borrowers have experienced a barrage of unsolicited contact from dif...

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6:00

When is it a good time to refinance your mortgage

Buying Florida ·

2025/09/11

Good question — refinancing can be a smart move, but the timing really matters. The "right time" to refinance your mortgage depends on a mix of personal and market factors. Here are the main ones to weigh: 1. Interest Rates If current mortgage rates are at least 2% lower than your existing rate, refinancing could save you money. Example: Dropping from 7% to 6% on a $300,000 loan can save hundreds per month. 2. Loan Term Goals Switching from a 30-year to a 15-year mortgage can help you pa...

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2:12

AI to AI on mortgages, tune in and learn the future

Buying Florida ·

2025/09/04

1. Getting Leads from AI AI can help you find and qualify homeowners who may be interested in a second mortgage (home equity loan or HELOC). Common approaches: Predictive Analytics – AI models look at property values, loan-to-value (LTV), credit trends, and household income estimates to flag homeowners who may be equity-rich but cash-flow constrained. Behavioral Targeting – AI scrapes signals from online behavior (searches, social media, property sites) to identify homeowners exploring ref...

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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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