How to Improve Chances of Mortgage Approval in Florida (2026)
This guide shows Florida buyers and refinancers how to improve chances of mortgage approval with a clear order of operations: check credit through a soft pull, lower debt-to-income, plan for Florida-specific costs, build cash reserves, choose the right loan program, and get pre-approved. Written by Duane Buziak, NMLS #1110647, it also lists the documents to gather before you apply.
7 Renovation Loan Options for a Fixer Upper in Florida (2026)
A practical guide to renovation loan options for fixer upper.
Can I Afford a Second Home Mortgage in Florida? 2026 Guide
Can I afford a second home mortgage in Florida? This guide explains the 43% to 50% debt-to-income range, 10% minimum down payment, and cash reserve rules, then shows how hurricane-season insurance, property taxes, and condo assessments change the math. It includes a worked example with stress tests and a way to check your position without a hard credit inquiry.
Refinance My Mortgage or Get a Second Mortgage? Florida Guide
A practical guide to refinance my mortgage or get a second mortgage.
7 Refinancing Strategies for Florida Homeowners in 2026
This guide explains the best Florida homeowners mortgage refinancing options, covering seven strategies from rate-and-term and streamline to cash-out and mortgage insurance removal. Duane Buziak shows the math to test each one, plus Florida-specific costs like flood zones, insurance premiums, and homestead rules, and how a soft credit pull lets you compare offers without a hard inquiry.
Mortgage Broker Fees and Costs in Florida: What You Really Pay
Mortgage broker fees and costs in Florida follow one compensation structure per loan: either the borrower pays a disclosed fee or the wholesale lender pays the broker and builds that cost into the rate. This guide separates broker pay from third-party charges, Florida taxes, and prepaid items, then shows how to compare offers side by side on the Loan Estimate so you can judge total cost and monthly payment.
Home Loan for Teachers in Florida: How to Qualify in 2026
There is no special teacher mortgage, but a home loan for teachers in Florida can still be highly affordable when you pair conventional, FHA, VA, or USDA financing with Florida Housing down payment assistance. This guide explains how to count student loans in your debt-to-income ratio and document a 10-month teaching contract so underwriters approve your income.
How to Get a Mortgage for Gig Economy Workers in Florida
A mortgage for gig economy workers in Florida is underwritten on documented net profit, not pay stubs. This step-by-step guide shows how to turn 1099 and platform earnings into qualifying income, which loan program fits (conventional, FHA, VA, or bank statement), and what to expect from pre-approval to closing, with links to official Fannie Mae, HUD, and VA guidelines.
How to Buy a House with Low Income in Florida (2026 Guide)
A practical guide to how to buy a house with low income.
7 Strategies to Choose a Mortgage for Condo vs Single Family Home
A mortgage for condo vs single family home can differ in rate, down payment, approval rules, and total monthly cost, especially in Florida where HOA dues, windstorm and flood insurance, and property taxes add to the loan payment. Duane Buziak, NMLS #1110647, walks through seven strategies for comparing both property types on real numbers before you make an offer.