Anyone on the fence about buying a home with a USDA loan might want to decide before autumn arrives, which is a turn of the calendar page away. Any application for a USDA guaranteed loan, which offers 100% financing — …

Zoning Changes to USDA Home Loans Read more »

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I hear people say not to refinance a home mortgage unless you lower your rate by at least 1%. This rule of thumb is far too simplified. Why? The fact of relativity, my friend. I’m not saying I’m on the …

Mortgage Refinance: The Fact of Relativity Read more »

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We just had a former client leave our office who was ecstatic about the refinancing option we approved her for. Her very words were, “More people should know about this. This is amazing!” Let us explain… We helped her family …

Removing Mortgage Insurance on FHA Loans Read more »

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Reason No. 3,982 Plant City Mortgage is a realtor’s best friend. Many lenders have self-imposed overlays, or “restrictions,” to lending. We just received a call from a buyer who was canceling a contract because his bank told him that he was …

Lender Overlays Killing Home Sales? How To Beat Overlays Read more »

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When preparing a refinance loan or purchase transaction, I often get asked, “Should I escrow my payments?” Many lenders encourage borrowers to escrow their tax and insurance payments with their mortgage payment. The benefits to the lender are that they: …

To Escrow or Not To Escrow? That Is The Question Read more »

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Save Money This Tax Season I bet you did not know this interesting tax-time tidbit: If you pay monthly mortgage insurance with your mortgage payment, it may be tax deductible, saving you money on your income taxes. Many tax preparers …

Mortgage Insurance and Tax Deductions Read more »

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Why You Should File A Homestead Exemption There are a several steps you can take to save money on things that concern your home other than refinancing or going with some other home-modification program. This month, I’ll focus on a …

Keep Your Florida Property Taxes Low Read more »

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