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Tag: #keylargo

You May Not Want To Skip Over That House That’s Been Sitting on the Market

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

When you see a house that’s been sitting on the market for a while, the reaction is almost automatic. You start thinking: What’s wrong with it? Why hasn’t anyone bought it yet? Am I missing something? That mindset made sense a few years ago. But in today’s market, you may actually miss out. More Time on Market Isn’t Automatically a Concern Anymore A few years ago, homes sold in just a matter of days. Sometimes, hours. Anything that lingered longer than that raised concerns. But that’s no longer the baseline. Inventory has grown. Buyers have more choices. And homes are taking...

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Stated Income Mortgage

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

? Self-employed and dreaming of your own home in sunny Florida? We get it — traditional mortgages can be tricky when your income isn’t typical. That’s where our Portfolio Mortgage Programs come in! ? Tailored just for business owners, freelancers, and self-employed folks — we look beyond the usual paycheck stubs: • Primary Residence Only • Minimum 20% Down Payment with 720 credit with a minimum of 9 months of reserves for purchases • Minimum 25% Down Payment with 680 credit with a minimum of 6 months of reserves for purchases • No 4506T Required [ tax return verification ] • No...

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Mortgages for Self-Employed Borrowers!

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

Buying a home as a self-employed business owner in Florida can feel complicated, especially when proving your income with 12 or 24-months of Bank Statements. Asset qualifier loans offer a flexible path by allowing lenders to consider your assets in place of traditional income verification. This means your savings, investments, or other assets can help you qualify even if your business income varies. These loans can provide stability and confidence during the mortgage process, making homeownership more accessible for entrepreneurs like you. Learn more about how asset depletion programs...

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Mortgage Rates Recently Hit a 3-Year Low. Here’s Why That’s Still a Big Deal.

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

If you’re one of the thousands of homebuyers waiting for rates to fall, you should know it’s already happening. And they recently crossed an important milestone. Rates officially dipped their toes into the 5s – something that hasn’t happened in about 3 years. This moment marked a critical threshold. Now, rates are sitting in the low 6% territory. And expert forecasts project they’ll hover near this range throughout the year. Here’s why that’s so good for you. Why Current Rates Are Such a Big Deal A mortgage rate doesn’t just affect the interest you end up paying on your home loan....

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Self-Employed and getting a mortgage?

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

Are you self-employed and wondering how to qualify for a mortgage? ? Many lenders require traditional proof of income, but that’s tough if you don’t have a W-2. Here’s what you should know: • Bank statement loans let you use your business bank statements instead of tax returns to prove income. • These programs can require as little as 12 months of statements. • They suit freelancers, business owners, and anyone with fluctuating income. Florida residents can benefit from specialized mortgage options tailored for self-employed borrowers. Visit fidelityhomegroup.com or reach out softly to...

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Why Rising Foreclosure Headlines Aren’t a Red Flag for Today’s Housing Market

Written by Key Largo Mortgage Syndicated User on . Posted in For Buyers, For Sellers, Foreclosures, Key Largo Mortgage, Key Largo Mortgage Rates.

If you’ve seen headlines saying foreclosure activity has been climbing for 10 straight months, it’s easy to assume that’s a sign of trouble for the housing market. But when you look at the full picture, a few simple truths become clear: Today’s foreclosure numbers are in line with what’s considered normal High home equity is keeping most homeowners in a strong financial position None of the data points to a big wave of distressed sales that’ll crash the market Foreclosure Filings Are Up 32%, But That Doesn’t Mean the Market’s in Trouble If you peel the layers all the way back, what...

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Self-Employed Mortgages

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

Stressed about mortgage paperwork for your biz? You’re not alone. Self-employed homebuyers, discover loan options crafted for your unique income style—no traditional docs required! Unlock your dream home with programs designed for entrepreneurs. ? Link in profile #SelfEmployedMortgage #BusinessOwnerLoans #HomeBuyingTips #OrlandoMortgage #FidelityHomeGroup

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Florida’s population boom

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

Florida is growing fast — and that means more homes are being built to meet demand.? In 2024, Florida ranked second in the U.S. for new residential building permits, just behind Texas. More people are moving here because of the climate, jobs, and lifestyle — especially in areas like Orlando and other high-growth corridors. This surge means buyers have more options coming onto the market, from new subdivisions to condo developments along the coast. Whether you’re looking for a family home or a condo by the beach, the expanding supply can make your home search easier. Thinking about...

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Home Updates That Actually Pay You Back When You Sell

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

Planning to sell this spring? While you may be tempted to hold off until the first blooms or the spring showers hit, that’s actually waiting too long to get started by today’s standards. Buyers have more options than they did a few years ago. So, it’s worth it to tackle repairs now and make sure your house is set up to stand out. Because you don’t want to be caught scrambling right before the spring rush. Or, running out of time to do the work your house really needs.  The key is focusing on updates that actually matter. And that’s exactly where return-on-investment (ROI) data...

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