Buying Florida
από Didier Malagies
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Let's see if the blended rate is better than getting a second…
Let's see if the blended rate is better than getting a second…
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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, start a business or expand, Didier will share everything you need to know on his show every week.
Didier Malagies nmls#212566/DDA Mortgage nmls#324329
Επεισόδια
Τα νεότερα 50 από 393 επεισόδια
- Let's see if the blended rate is better than getting a second mortgage. · 3 λεπ. · Σεζόν 3 Επεισόδιο 45Navigating Debt Consolidation: Refinance Your First Mortgage or Get a Second? It's a common scenario for many homeowners today: you're sitting pretty with a fantastic…
- This time, it is not a mortgage crisis event, but this could be a great opportunity to buy · 7 λεπ. · Σεζόν 3 Επεισόδιο 44The housing market has certainly seen its share of headlines lately. With interest rates on the rise and a noticeable slowdown in sales, it's easy to feel a sense of…
- What to know about Condos when buying · 6 λεπ. · Σεζόν 3 Επεισόδιο 43Does the 2027 Budget Have the 15% Reserves Needed to Get a Mortgage? One of the most significant changes impacting condo buyers and associations alike is the increase in reserve…
- Is it interest rates or maybe the price of homes · 5 λεπ. · Σεζόν 3 Επεισόδιο 42The Real Hurdle to Homeownership: Why It's Home Prices, Not Just Interest Rates Are you dreaming of buying a home but feeling discouraged by what you hear about interest rates?…
- Are rates going to 8 or 9% · 8 λεπ. · Σεζόν 3 Επεισόδιο 41The dream of homeownership often comes with a financial roadmap, carefully planned out to fit within a comfortable budget. But what happens when the very ground beneath that…
- Another way to see which way interest rates are going and the importance of having the mindset of a builder and listening to your realtor · 5 λεπ. · Σεζόν 3 Επεισόδιο 40Have you ever noticed how the price at the gas pump seems to send ripples through other areas of your finances? It's not just your grocery bill or your daily commute that feels…
- Existing home sellers may be the time to take the Lennar building approach to sell your home · 5 λεπ. · Σεζόν 3 Επεισόδιο 39Why Existing Homeowners Should Sell Like Lennar: Mastering the Rate Buy-Down Strategy The housing market feels a bit like a high-stakes poker game right now, doesn't it? With…
- Mortgage stats and is it a good time to buy · 7 λεπ. · Σεζόν 3 Επεισόδιο 38Seizing the Moment: Why Today's Housing Market is a Buyer's Dream Have you been watching the housing market, perhaps feeling a mix of hope and hesitation? For what feels like an…
- Is the mortgage refinancing non - existent · 4 λεπ. · Σεζόν 7 Επεισόδιο 37Is the Mortgage Refinance Non-Existent Today? Navigating Debt Consolidation Options The financial landscape has shifted dramatically, leaving many homeowners wondering about…
- Appraisal is changing withe new UAD 3.6, definitely tune in and learn of the changes · 5 λεπ. · Σεζόν 7 Επεισόδιο 36Navigating the New Era of Residential Appraisals: Understanding UAD 3.6 For anyone involved in buying, selling, or financing a home, the appraisal process has always been a…
- Is it time to consolidate your debt into a second mortgage · 6 λεπ. · Σεζόν 7 Επεισόδιο 35Could a Second Mortgage Be Your Path to Lower Monthly Payments? Do you ever look at your monthly bills and feel overwhelmed? Maybe you're juggling payments for a credit card with…
- I am 64 and turning 65 next month, is it time for a Reverse Mortgage · 8 λεπ. · Σεζόν 7 Επεισόδιο 36Is 65 the Right Time for a Reverse Mortgage? What You Need to Know Turning 65 is a significant milestone, a moment often filled with reflection on the past and anticipation for…
- Listings are up in 2026 and did you know about the foreclosures coming up and the kids who still live at home and the opportunity for them · 5 λεπ. · Σεζόν 7 Επεισόδιο 342026 Listings Are Up: Navigating FHA Foreclosures and Empowering Young Homebuyers The real estate landscape is constantly shifting, and as we look ahead to 2026, the market is…
- Is it time to consolidate your debt into a second mortgage to increase your monthly cashflow · 6 λεπ. · Σεζόν 7 Επεισόδιο 35Could a Second Mortgage Be Your Path to Lower Monthly Payments? Do you ever look at your monthly bills and feel overwhelmed? Maybe you're juggling payments for a credit card with…
- Did your loan just get sold, what do I need to do · 4 λεπ. · Σεζόν 7 Επεισόδιο 33What to Do When Your Mortgage Loan Has Been Sold: A Guide to Verification and Protection Imagine this: you open your mail to find a letter stating that your mortgage loan has…
- Is it time to refinance, the answer is NO _ but are you preparing for that time to come · 6 λεπ. · Σεζόν 7 Επεισόδιο 32Is It Time to Refinance Your Mortgage? Not Yet, But Get Ready! The financial landscape can often feel like a turbulent sea, with waves of economic news crashing down on us daily…
- Gift of Equity purchasing a home · 5 λεπ. · Σεζόν 7 Επεισόδιο 31Gift of Equity: Making Your Kids' Homeownership Dream a Reality with Family Support Imagine this common scenario: your adult children are ready to take the exciting leap into…
- Asset based lending to qualify for a mortgage · 3 λεπ. · Σεζόν 7 Επεισόδιο 30Qualify for a Mortgage Using Your Assets: A Smart Path to Homeownership Have you ever found yourself in a frustrating situation where you have a healthy nest egg in your bank…
- Talk about going from Fico to Vantage, what will that do for you regarding your credit score · 4 λεπ. · Σεζόν 7 Επεισόδιο 29Navigating Your Credit Score: FICO, VantageScore, and Your Mortgage Future For decades, the mention of a "credit score" has almost universally brought FICO to mind. It's been the…
- Qualifying for a mortgage 10 years ago and now today · 6 λεπ. · Σεζόν 7 Επεισόδιο 28Qualifying for a Mortgage: Why Today's Market Feels Different Than a Decade Ago Remember when buying a home felt a little more within reach? Maybe you or someone you knew…
- Getting a 2nd mortgage on your commercial property · 3 λεπ. · Σεζόν 7 Επεισόδιο 27For many commercial property owners, the idea of a second mortgage might sound familiar from the residential world, but its application in the commercial sector is a powerful…
- What happens to the condo questionnaire when not being answered, is there a solution · 5 λεπ. · Σεζόν 7 Επεισόδιο 26Condo Questionnaire Not Fully Answered? Don't Let Your Loan Collapse! Imagine finding your dream condo, going through the excitement of an accepted offer, only to hit a brick…
- Are you listing your home at the right price and buyers seeing homes going under contract quickly · 5 λεπ. · Σεζόν 7 Επεισόδιο 25Navigating Today's Housing Market: Why Your Realtor's Advice is Priceless I recently had a fascinating conversation with one of my potential buyers, and their frustration was…
- What is going on with interest rates? · 4 λεπ. · Σεζόν 7 Επεισόδιο 24Understanding Interest Rates: How Global Events Shape Your Mortgage Future Ever feel like the world's events are playing a direct role in your household budget? You're not…
- The Condo Management association are not answering all the questions for the condo approval process, what happens then? · 8 λεπ. · Σεζόν 7 Επεισόδιο 23Navigating Condo Questionnaire Challenges for Mortgage Approval with DDA Mortgage Buying a condominium can be an exciting journey, offering a unique blend of homeownership and…
- What are some of the things AI is having problems with · 8 λεπ. · Σεζόν 7 Επεισόδιο 22Navigating AI for Second Mortgages: Avoiding Delays and Frustration The promise of Artificial Intelligence in the mortgage industry is exciting: faster processing, greater…
- Do I qualify for a mortgage? · 5 λεπ. · Σεζόν 7 Επεισόδιο 21Do I Qualify for a Mortgage? Your Path to Homeownership Starts Here The dream of owning a home is a powerful one, but for many, the path to achieving it can feel shrouded in…
- Average age for a first time median home buyer · 2 λεπ. · Σεζόν 7 Επεισόδιο 20The Evolving Dream: Average Age of First-Time Homebuyers from 1980 to 2025 The dream of homeownership remains a cornerstone of the American spirit, a powerful symbol of…
- AI is doing the uw, appraisal, title, and also feeding me leads everyday · 7 λεπ. · Σεζόν 7 Επεισόδιο 19How to Integrate AI into Your Mortgage Business and Thrive The mortgage industry is undergoing a rapid transformation, and if you haven't felt the tremors yet, you soon will…
- Higher rates on credit cards, car loans, and is your student loan increasing in balance each month · 6 λεπ. · Σεζόν 7 Επεισόδιο 18Is High-Interest Debt Weighing You Down? Consider a Second Mortgage for Financial Relief Are you feeling the squeeze from relentless high-interest rates on your credit cards…
- Mortgage stats on how much more money you need to make to buy a home · 5 λεπ. · Σεζόν 7 Επεισόδιο 17Navigating the New Reality: Why Homeownership Costs Have Doubled Since 2016 Remember 2016? It might not feel like ancient history, but a lot has changed in the world of…
- Is it time to refinance given the present market conditions · 6 λεπ. · Σεζόν 7 Επεισόδιο 16Is Now the Right Time to Refinance Your Mortgage Amidst Middle East Uncertainty? The world feels a little more uncertain these days, doesn't it? With job markets shifting, the…
- Is it time to think about getting a HECM, with the cost of everything going up in your retirement · 6 λεπ. · Σεζόν 7 Επεισόδιο 15Is Rising Inflation Eating Away at Your Retirement Savings? A HECM Could Help Ouch! Did you wince at the gas pump today? We all did. It feels like the cost of everything is going…
- More mortgage stats for you · 4 λεπ. · Σεζόν 7 Επεισόδιο 14Navigating 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…
- Fannie Mae, Freddie Mac announce revisions to condo insurance standards Updates include investor concentration limits, a limited review process, and expanded waivers of project review · 4 λεπ. · Σεζόν 7 Επεισόδιο 13Here’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…
- Up to a 100% financing on an SBA 7a loan · 4 λεπ. · Σεζόν 7 Επεισόδιο 12Stop 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…
- How is AI going to change the mortgage industry · 7 λεπ. · Σεζόν 7 Επεισόδιο 11How 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…
- Reduced fees on title, such as no lender's policy on du findings on a refinance · 5 λεπ. · Σεζόν 7 Επεισόδιο 10Refinance 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…
- Does a cashout refinance make sense since rates have dropped · 6 λεπ. · Σεζόν 7 Επεισόδιο 9Is 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…
- Rate term refinance and what about points · 6 λεπ. · Σεζόν 7 Επεισόδιο 8Rate & 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…
- What Financial Stress Looks Like for Retirees Over 62 · 6 λεπ. · Σεζόν 7 Επεισόδιο 7Financial 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…
- 40% of all mortgages last year were refinances · 6 λεπ. · Σεζόν 7 Επεισόδιο 6a 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…
- Asset based lending with no min fico score · 1 λεπ. · Σεζόν 7 Επεισόδιο 512-Month Bridge Loans with interest-only payments • Cash-Out Refis, Purchase Loans, Second Liens, and Portfolio Loans • Nationwide lending on non-owner occupied residential…
- Does your condominium association needs funds for a new roof or other big items · 6 λεπ. · Σεζόν 7 Επεισόδιο 41. HOA / Condo Association Loans (Most Common) These are commercial loans made directly to the association, not individual unit owners. Typical uses Roof replacement Structural…
- Interesting stats on mortgages for 2025 · 6 λεπ. · Σεζόν 7 Επεισόδιο 3There 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…
- Do you need cash out, or consolidate, or have no mortgage payment · 6 λεπ. · Σεζόν 7 Επεισόδιο 2💡 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…
- Closing in January when the property taxes are super low · 1 λεπ. · Σεζόν 7 Επεισόδιο 2When 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…
- Refinancing, are you being told the truth when they offer a super low rate and no closing costs · 7 λεπ. · Σεζόν 6 Επεισόδιο 52Headline 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…
- Fed dropped the rates but also did something from old playbook, printing 40 billion a month in QE · 6 λεπ. · Σεζόν 6 Επεισόδιο 51If 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…
- closed a second mortgage in 3 hours, that is for real · 4 λεπ. · Σεζόν 6 Επεισόδιο 50That 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…
