Florida Mortgage Industry in 2026: Rates, Costs, and What Buyers Face
What’s the current state of the mortgage industry in Florida? Rates have eased from recent peaks, but insurance premiums, property taxes, and home prices keep monthly budgets stretched, so approval now turns on the total housing payment rather than the interest rate alone. This 2026 guide from Duane Buziak, NMLS #1110647, explains how Florida buyers and refinancers can work with the market as it stands.
7 Strategies to Get a Home Loan for Gig Economy Workers
A home loan for gig economy workers is achievable on 1099 income when it is documented the way underwriters count it: net Schedule C profit averaged over 24 months. This guide from Florida mortgage broker Duane Buziak (NMLS #1110647) walks through seven strategies, in order, to prepare 12 to 24 months ahead and get approved without two years of W-2s.
7 Strategies for Mortgage Lender Comparison Shopping in Florida
A practical guide to mortgage lender comparison shopping.
Mortgage Application Rejected? What to Do Next in Florida
A practical guide to mortgage application rejected what to do next.
7 Top Debt Consolidation Mortgage Products in Florida (2026)
A practical guide to top debt consolidation mortgage products.
Mortgage Options if I Have Challenged Credit in Florida (2026)
Florida buyers with challenged credit still have mortgage options, including FHA, VA, USDA, select conventional loans, and Florida Housing down payment programs. This guide matches programs to score ranges and credit situations, explains what to fix before applying, and walks through a worked FHA example with real math, so you can compare mortgage options if you have challenged credit without hurting your score.
How to Afford a House on a Single Income in Florida (2026)
Learning how to afford a house on single income in Florida starts with simple math: a housing payment near 28% of gross monthly income and total debts between 36% and 43%. This guide walks through PITI and DTI, a worked $75,000 salary example, a full monthly budget, and a financing plan for buying a Florida home on one paycheck.
What’s Happening With Mortgage Rates in the Florida Market?
Florida mortgage rates follow the national bond market and the 10-year Treasury yield, not state lines, so what’s happening with mortgage rates in the Florida market depends on national forces plus Florida-specific costs like insurance, flood zones, and property taxes. This guide explains what moves rates now, how par rates and discount points affect quotes, and how a soft credit pull lets you see your numbers without a hard inquiry.
Mortgage Points and Closing Costs in Florida: What to Know in 2026
What should I know about mortgage points and closing costs? One discount point equals 1% of the loan amount, or $4,000 on a $400,000 loan, and buys a lower rate, while closing costs are the full bundle of fees, taxes, and prepaid items due at funding. This Florida guide by Duane Buziak, NMLS #1110647, shows how to read the Loan Estimate line by line, account for insurance and state taxes on the note and mortgage, and run a simple breakeven calculation in 2026.
7 Strategies to Get the Best Mortgage Rates for Veterans in Florida
The VA guarantees a portion of your loan but does not set your rate, so the best mortgage rates for veterans in Florida go to borrowers who prepare and compare. This guide walks through seven strategies, starting with soft credit pull rate shopping, to help veterans lower their rate and costs while protecting their credit score.