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Category: Key Largo Mortgage Rates

Monroe County is the southernmost county in Florida. It stretches more than 100 miles from Key Largo to Key West and is surrounded by the Atlantic Ocean to the east and the Gulf of Mexico to the west. Its key population centers include Key Largo, Islamorada, Tavernier, Marathon, Big Pine Key and Key West.

The Florida Keys are renowned for being among the most pre-eminent fishing and diving destinations in the world. Recreation options include fishing, diving, kayaking, camping, bicycling and assorted other water and outdoor sports.

Asset Depletion Loans

Written by Key Largo Mortgage Syndicated User on . Posted in Key Largo Mortgage, Key Largo Mortgage Rates.

If you have substantial assets but limited income, you might still qualify for a mortgage in Florida through asset depletion loans. These loans look at your total assets rather than traditional income sources. Here’s how it works: your assets are divided by 60 months to calculate monthly qualifying income. If you’re 59.5 or older, 100% of liquid assets count; if younger, retirement assets count at 50%. You can borrow up to 80% of the property’s value, with a minimum 20% down payment and credit scores from 700 upward. The loan covers primary, secondary, and investment...

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Florida Condos

Written by Key Largo Mortgage Syndicated User on . Posted in Key Largo Mortgage, Key Largo Mortgage Rates.

? Not all Florida condos qualify for conventional mortgages. Why? Many condos are deemed "non-warrantable" because they don’t meet criteria set by agencies like Fannie Mae and Freddie Mac. Common reasons include new construction, limited owner control over the HOA, low insurance coverage, underfunded reserves, high renter or investor percentages, short-term rentals, or ongoing legal issues. Fidelity Home Group offers specialized non-warrantable condo loans that help you finance these properties. We provide loans up to $6 million, flexible terms including ARM and 30-year...

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Your Equity Could Change Everything About Your Next Move

Written by Key Largo Mortgage Syndicated User on . Posted in Equity, For Sellers, Key Largo Mortgage, Key Largo Mortgage Rates, Move-Up.

A lot of people are asking the same thing right now: “Is it even a good time to sell?” And the truth may come as a bit of a surprise… For many homeowners, the answer is a strong yes. Why? Because of one major factor working in your favor: your equity. Odds are, if you’ve lived in your home for a while, you know you have significant equity. But how much are we really talking about? The number might just change everything about your next move. The Hidden Wealth of Homeownership Here’s how it works. When you own a home, you build up something called equity. Each time you make a mortgage...

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Florida’s population is booming

Written by Key Largo Mortgage Syndicated User on . Posted in Key Largo Mortgage, Key Largo Mortgage Rates.

Florida’s population keeps growing fast — about 1,000 new people every day in 2023 alone. This surge is driven by job opportunities, warm weather, and no state income tax. But it also means more demand for homes, especially condos and rentals. That demand changes your loan possibilities, especially if you’re eyeing non-warrantable condo financing or asset depletion loans. When buying in a hot market like Florida’s coast, your mortgage options might be different from other areas. We help you understand how the population growth affects available loan programs and what that means for your...

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Why Selling Your House This Winter Gives You an Edge

Written by Key Largo Mortgage Syndicated User on . Posted in For Sellers, Inventory, Key Largo Mortgage, Key Largo Mortgage Rates, Selling Tips.

Spring gets all the attention, but it’s not always the best time to sell a house. Yes, more buyers show up, but so do a lot of other sellers. Winter is different. With fewer homes on the market, your house has a much better chance of standing out. And that one advantage can make a big difference. Winter Is When Your Listing Stands Out History shows the number of homes for sale tends to drop during the winter months. It’s a trend that’s predictable almost every year. Data from Realtor.com shows this pattern clearly. Inventory dips in the winter (the green circles in the graph below), then...

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Florida Condo Mortgage Programs

Written by Key Largo Mortgage Syndicated User on . Posted in Key Largo Mortgage, Key Largo Mortgage Rates.

Ever stumble onto condo you are looking to purchase and wonder if it is warrantable? Non-warrantable and Condotels don’t have to be a mortgage roadblock. They do require more down payment, but also have options to use asset depletion, bank statements, DSCR, 1-year tax returns, and P & L as options for income. With Non-warrantable and Condotels commonly used for short-term rentals, Florida buyers and investors can still secure financing. Curious how these specialized loans work? Ready to explore solutions beyond traditional loans? #FloridaMortgages #NonWarrantableCondoFinancing...

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This May Be the Best Time To Buy a Brand-New Home

Written by Key Largo Mortgage Syndicated User on . Posted in Affordability, Buying Tips, For Buyers, Key Largo Mortgage, Key Largo Mortgage Rates, New Construction.

New home construction today is giving buyers something it feels like they haven’t gotten much lately: a real shot at both the home they want and the deal they need. More brand-new options are on the market right now, and builders are rolling out incentives that make these homes more affordable than many people expect. It’s a combination that doesn’t come around often – and it’s putting buyers in a surprisingly strong position this season. Here’s why this moment matters and why it’s worth partnering with your own local agent to take advantage of it. 1. More New Homes Are Available Now...

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Start your homebuying journey right

Written by Key Largo Mortgage Syndicated User on . Posted in Key Largo Mortgage, Key Largo Mortgage Rates.

? Thinking about buying a home? Start with a Homebuyer Consultation to explore your loan options clearly. Our experts provide personalized advice—from financial assessments to mortgage consultations—helping you understand each step of the process. Ready for tailored guidance? Book your consultation today and make confident decisions for your future. ? Link in bio to schedule your call. Comment “loan help” if you want assistance getting started! ? Link in profile #HomebuyerTips #MortgageAdvice #FloridaHomes #LoanOptions #PreApproval

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We deliver an unparalelled concierge experience for all of our clients.

Written by Key Largo Mortgage Syndicated User on . Posted in Key Largo Mortgage, Key Largo Mortgage Rates.

Wondering what sets Fidelity Home Group apart? We deliver an unparalleled concierge experience tailored for all your mortgage needs. Start your Home Purchase Qualifier or Rate Quote Request today! Fidelity Home Group serves all our clients with our Concierge Approach to help in the home buying process. ? Link in profile #HomePurchaesMortgage #FloridaRealEstate #HomeInvestment #MortgageExperts #FidelityHomeGroup

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