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.
7 Top Things to Know Before Refinancing Your Mortgage in Florida
A practical guide to top things to know before refinancing your mortgage.
7 Ways to Compare Investment Property Loan Rates in Florida
An investment property loan rates comparison only works when quotes share the same scenario, so this guide gives Florida investors seven methods to compare offers fairly. It shows how points, fees, escrow assumptions, and prepayment terms can make a quote that looks 0.25% cheaper cost thousands more, and how Florida’s lack of a state income tax helps cash flow and reserves.
7 Strategies to Find the Best Loan Program for Low Down Payment
Finding the best loan program for low down payment in Florida means matching your credit, income, and military status to FHA, conventional, VA, or USDA options, then layering Florida down payment assistance on top. Duane Buziak, NMLS #1110647, outlines seven strategies, starting with soft-pull pre-approval, so you can compare programs on total cost rather than cash due at closing.
Can Florida Buyers Use DPA? What to Know First
Can Florida buyers use DPA? Learn how Florida down payment assistance works, which buyers may qualify, and how to protect your credit before applying.
Home Loan for Nurses and Healthcare Workers in Florida: 2026 Guide
A practical guide to home loan for nurses and healthcare workers.
How to Get a Mortgage for Divorced or Separated Buyers in Florida
A mortgage for divorced or separated buyers in Florida depends on documenting your status, separating your credit, counting alimony and child support correctly, resolving the old joint loan, and matching a loan program to your new situation. This step-by-step guide walks you from the shared mortgage to closing on a new home, with the paperwork underwriters expect.
Who Is the Florida Mortgage Maestro? Duane Buziak Explained
A practical guide to Who Is The Florida Mortgage Maestro?.