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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

3:47

More mortgage stats for you

Buying Florida ·

2026/04/02

Navigating the 2025 Mortgage Landscape: Opportunities in a Changing Market Are you feeling the squeeze of today's housing market? You're not alone. With fluctuating interest rates and rising home prices, understanding the current mortgage landscape is crucial. One interesting statistic that highlights a potential opportunity: a significant 76.7% of homeowners currently have a loan-to-value (LTV) ratio of 60% or less. What does this mean? It signals a real chance for homeowners to consolidate ...

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3:53

Fannie Mae, Freddie Mac announce revisions to condo...

Buying Florida ·

2026/03/26

Here’s a clear breakdown of what’s actually happening with the new Fannie Mae / Freddie Mac condo insurance + project review changes (March 2026) and what it really means: 🧩 Big Picture These updates from the Federal Housing Finance Agency (FHFA) are aimed at: Lowering insurance costs Making more condos eligible for financing Addressing the insurance crisis (especially in states like Florida) 👉 Net effect: More condos will qualify for conventional loans again and monthly payments may

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4:00

Up to a 100% financing on an SBA 7a loan

Buying Florida ·

2026/03/19

Stop Renting, Start Owning: SBA 7(a) Loans for 100% Commercial Financing Imagine this: Instead of writing that rent check every month, you're making a mortgage payment on a building you *own*. You're not just keeping a roof over your business's head, you're building equity, securing your future, and investing in a tangible asset. Sound too good to be true? It's not! With a Rent Replacement SBA 7(a) loan from DDA Mortgage, you can ditch the landlord and become your own property owner. We know ...

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7:24

How is AI going to change the mortgage industry

Buying Florida ·

2026/03/12

How is AI Going to Change the Mortgage Industry? The mortgage industry, built on relationships and intricate processes, is facing a potential revolution. The question on everyone's mind, whispered in break rooms and shouted in online forums, is this: Will AI take our jobs? Will underwriters, processors, title specialists, appraisers, and other crucial vendors be replaced by algorithms and automated systems? It's a valid concern, and one we're going to address head-on. Instead of fearing the u...

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5:25

Reduced fees on title, such as no lender's policy on...

Buying Florida ·

2026/03/05

Refinance Fee Savings: How to Lower Your Costs on Title, Appraisal, and Credit Refinancing your mortgage can be a smart move, potentially saving you thousands of dollars over the life of your loan. But let's be honest, the initial costs of refinancing - title fees, appraisals, credit reports, and surveys - can sometimes feel like a hurdle. What if we told you there were ways to significantly reduce, or even eliminate, some of those fees? At DDA Mortgage, we leverage our expertise and lender r...

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5:40

Does a cashout refinance make sense since rates have...

Buying Florida ·

2026/02/26

Is a Cash-Out Refinance the Right Choice Now That Mortgage Rates Have Dropped? Feeling squeezed by high-interest debt? Credit card bills piling up? Are those car payments and student loans making it hard to breathe financially? Or perhaps you've been dreaming of finally renovating your kitchen or adding that much-needed home office, but the funds just haven't been there. You're not alone. Many homeowners are looking for ways to leverage their home equity to improve their financial situation a...

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6:09

Rate term refinance and what about points

Buying Florida ·

2026/02/19

Rate & Term Refinancing in Florida: Is Now the Right Time? Are you staring at your mortgage statement, wondering if there's a better deal out there? You're not alone! Many Florida homeowners are considering a rate and term refinance, especially with fluctuating interest rates. The big question is: when should you jump, and are those tempting "points" really worth it? In Florida, a general rule of thumb is that a rate drop of around 2% is typically needed to make a refinance worthwhile, al...

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5:56

What Financial Stress Looks Like for Retirees Over 62

Buying Florida ·

2026/02/12

Financial Stress for Retirees Over 62: How to Ease the Burden The price of everything seems to be creeping higher, doesn't it? From the gas pump to the grocery store, rising costs impact everyone. But for retirees age 62 and older, the pinch can be particularly painful. Living on a fixed income often means limited flexibility to adapt when inflation surges. What was once a comfortable retirement budget can quickly become a source of anxiety and stress. At DDA Mortgage, we understand these ...

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5:46

40% of all mortgages last year were refinances

Buying Florida ·

2026/02/05

a large share of the refinances in 2025 were indeed driven by homeowners taking cash out of their home equity to consolidate debt or tap housing wealth, not just refinancing to get a lower interest rate. The data available on refinance activity in early and mid-2025 show this clearly: 🏠 1. Cash-Out (Equity Extraction) Was a Big Part of Refinances When mortgage rates stayed relatively high (often above ~6.5%), fewer borrowers could refinance purely to lower their rate or monthly paymen...

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1:05

Asset based lending with no min fico score

Buying Florida ·

2026/01/29

12-Month Bridge Loans with interest-only payments • Cash-Out Refis, Purchase Loans, Second Liens, and Portfolio Loans • Nationwide lending on non-owner occupied residential properties, including condos • No FICO minimum – We welcome credit-challenged borrowers • No income or employment verification • No seasoning required • No appraisal contingencies • We fund mid-foreclosure and past bankruptcy deals • Pure asset-based lending – • Closings in as fast as 3–5 days tune in and learn htt...

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5:36

Does your condominium association needs funds for a...

Buying Florida ·

2026/01/22

1. HOA / Condo Association Loans (Most Common) These are commercial loans made directly to the association, not individual unit owners. Typical uses Roof replacement Structural repairs Painting, paving, elevators, plumbing Insurance-driven or reserve shortfalls Key features No lien on individual units Repaid through monthly assessments Terms: 5–20 years Fixed or adjustable rates Can be structured as: Fully amortizing loan Interest-only period upfront Line of credit for phased p...

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5:59

Interesting stats on mortgages for 2025

Buying Florida ·

2026/01/15

There are now more loans with interest rates over 6% than those with rates under 3%. 40% of the volume closed were refinances, and 30% of the loans done were NON-QM loans. There was a 10% drop in mortgage volume at the end of 2025, with a drop in interest rates. With 1.4 trillion in credit card debt, it seems that 1.4 trillion in credit card debt may be the reason for the refinancing. It is interesting that the NON QM loans captured so much of the closed business, and will only ...

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5:49

Do you need cash out, or consolidate, or have no...

Buying Florida ·

2026/01/08

💡 Option 1 — Cash-Out Refinance Meaning: Replace your current mortgage with a larger loan and take the difference in cash. Bankrate Often lower interest rate than a second mortgage because it replaces your first mortgage. Rocket Mortgage Can consolidate debt (e.g., high-interest credit cards) into one loan. Bankrate If you refinance to a lower rate, you can reduce monthly payments while getting cash. Sunflower Bank When it might make sense: ✔ You currently have a higher interest mortgage

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0:55

Closing in January when the property taxes are super low

Buying Florida ·

2026/01/01

When someone has lived in a home for many years, their property taxes are often artificially low because of long-standing exemptions and assessment caps (like Florida’s Save Our Homes). If you close in January of the following year, here’s what happens: What you get at closing Property taxes are paid in arrears At a January closing, the tax proration is based on the prior year’s tax bill That bill still reflects: The long-term owner’s capped assessment Their homestead exemption As the...

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7:15

Refinancing, are you being told the truth when they...

Buying Florida ·

2025/12/25

Headline ads often quote temporary buydowns, ARM teaser rates, or perfect-credit scenarios that very few borrowers qualify for. The real, fully indexed 30-year fixed rate is meaningfully higher once you look at actual pricing. “No closing costs” usually means one of three things Lender credits: The borrower pays through a higher interest rate. Seller concessions: Only possible if the seller agrees — not universal. Costs rolled into the loan: Still paid, just financed over time. Rate b...

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6:28

Fed dropped the rates but also did something from old...

Buying Florida ·

2025/12/18

If the **Federal Reserve cuts interest rates by 0.25% and simultaneously restarts a form of quantitative easing (QE) by buying about $40 billion per month of securities, the overall monetary policy stance becomes very accommodative. Here’s what that generally means for interest rates and the broader economy: 📉 1. Short-Term Interest Rates The Fed’s benchmark rate (federal funds rate) directly sets the cost of overnight borrowing between banks. A 0.25% cut lowers that rate, which usually

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4:06

closed a second mortgage in 3 hours, that is for real

Buying Florida ·

2025/12/11

That is wild — and honestly a sign of where mortgage tech is heading fast. A three-hour closing versus three days used to be unheard of. What likely made it possible: 🚀 Why it happened so fast 1. Automated income/asset verification Lenders now pull bank statements, payroll data, and tax transcripts digitally instead of waiting for uploads. 2. Instant credit + DU/LPA underwriting If everything lines up, AUS can issue an immediate approve/eligible. 3. e-sign + remote online notarization

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4:40

Fed is cutting rates does that help us on the...

Buying Florida ·

2025/12/04

✅ Why mortgage rates can rise even when the Fed cuts rates Mortgage rates don’t move directly with the Fed Funds Rate. Instead, they are primarily driven by the 10-year Treasury yield and investor expectations about inflation, recession risk, and future Fed policy. Here are the main reasons this disconnect happens: 1. Markets expected the rate cut already If investors already priced in the Fed’s cut weeks or months beforehand, then the cut itself is old news. When the announcement hits, m...

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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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