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.
7 Ways to Vet Mortgage Broker Reviews in Florida (2026)
A practical guide to mortgage broker reviews florida.
Bankruptcy and Mortgage Approval Timeline in Florida: 2026 Guide
The bankruptcy and mortgage approval timeline in Florida runs on separate clocks for each loan type: about 12 months into a Chapter 13 plan with court approval, 2 years after a Chapter 7 discharge for FHA or VA, and 4 years for conventional loans. This 2026 guide explains when each clock starts, what lenders check beyond the calendar, and how a soft credit pull lets you test your timing without a hard inquiry.
How Much Do Mortgage Brokers Charge in Florida? 2026 Guide
How much do mortgage brokers charge? Typically 1% to 2% of the loan amount, paid by either the borrower or the wholesale lender but never both on the same loan. This 2026 Florida guide shows what that fee looks like on a $350,000 loan, which closing costs get wrongly blamed on brokers, and how to compare Loan Estimates and shop with a soft credit pull.
What Should I Know About Mortgage Points and Closing Costs in Florida?
Should I know about mortgage points and closing costs before buying in Florida? This guide explains how one discount point equals 1% of your loan amount (about $3,500 on a $350,000 loan), which fees are specific to Florida, how to calculate your breakeven, and how to compare lender offers with a soft credit pull before you commit.