What Should I Know Before Purchasing An Investment Property In Florida?
Quick Answer Purchasing An Investment Property In Florida works best when you understand rental demand, financing options, ongoing expenses, and local rules. Strong population growth, steady renter demand, and investor focused financing make Florida attractive, but careful planning protects your cash flow and long term returns. Table of Contents Top 3 Take-a-Ways Rental demand varies […]
Am I Eligible For An FHA Loan In Florida?
Quick Answer Yes, you may be eligible for an FHA loan in Florida if you meet basic credit, income, and occupancy requirements. Many buyers qualify with a credit score as low as 550, a low down payment, and steady income, making FHA loans a common option for first time and repeat buyers across the state. […]
What’s the Difference Between a Conforming And Non-Conforming Mortgage In Florida?
Quick Answer In Florida, a conforming mortgage stays within county loan limits and follows standardized qualification rules, while a non conforming mortgage exceeds those limits or uses alternative qualification methods. The right choice depends on your purchase price, location, and how your income and assets are structured. Table of Contents Top 3 Take-a-Ways County loan […]
How Do Mortgage Discount Points Work For Florida Homebuyers?
Quick Answer Mortgage discount points let Florida homebuyers pay an upfront fee at closing to secure a lower interest rate. This lowers the monthly payment and can save money over time if you keep the mortgage long enough. Table of Contents Top 3 Take-a-Ways Points make sense only if you keep the mortgage past the […]
Top 10 Smartest Ways To Use Your Home Equity As A Florida Homeowner
Table of Contents Top 3 Take-a-Ways Home equity offers affordable funding for major goals like renovation or debt reduction Smart equity use can strengthen long-term financial stability and property value Florida’s 2025 housing market gives homeowners strong equity growth opportunities As we head into 2026, Florida homeowners are sitting on record levels of home equity. Across […]
HELOC vs HELOAN In Florida: Understanding Draw And Repayment Timelines
Table of Contents Top 3 Take-a-Ways Florida homeowners hold strong equity, making HELOCs and HELOANs valuable financing tools. Closing costs typically range from 1% to 4% of the borrowed amount. Fixed-rate HELOANs offer stability, while HELOCs allow ongoing access to available equity. Florida homeowners want to make sure they are using the equity in their homes in […]
How Can First-Time Buyers in Florida Qualify for a Mortgage Rate Buydown?
Quick Answer First-time buyers in Florida can qualify for a mortgage rate buydown by meeting standard loan requirements, then using seller, builder, or program funds to temporarily lower their interest rate. This makes early payments more affordable while keeping long-term ownership goals in reach. Table of Contents Top 3 Take-a-Ways Temporary buydowns can reduce payments […]
How To Recognize A Buyer’s Market In Florida Real Estate
Quick Answer You’ll know Florida is in a buyer’s market when there are more homes for sale than active buyers, prices begin to level off, listings stay on the market longer, and sellers start offering concessions like closing cost help or rate buydowns. As 2025 comes to a close, many Florida cities are showing these […]
Can I Use a Jumbo Loan to Buy a Property in Sunny Isles Beach?
Quick Answer Yes, you can. The Doce Mortgage Group offers jumbo loans in Sunny Isles Beach starting above $822,250, with loan amounts up to $10M and down payments as low as 10% on select programs, making it possible to finance high-value properties. Table of Contents Top 3 Take-a-Ways Jumbo loans in Sunny Isles Beach start above $822,250 for most […]
DSCR Loan Eligibility: What Miami Beach Investors Need to Know
Quick Answer Eligibility for a DSCR Loan in Miami Beach in 2025 depends mainly on whether the property’s rental income can cover the projected monthly payment. Most programs look for a DSCR around 1.00 or higher, although The Doce Mortgage Group offers flexible options, including ratios as low as 0.75 and even No Ratio DSCR […]