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Why a Local Tampa Mortgage Broker is Better for Florida Home Buyers vs. an Online Lender
By My Easy Mortgage Homebuyers in Tampa today can choose between a local Tampa mortgage broker or a large online lender when looking for support with their upcoming home purchase. In Florida’s...
Buying a Home With Mixed Income: A Guide for Florida Homebuyers
By Sam Wax If your paycheck doesn’t come from a single salaried job, buying a home can feel unfair for you. Maybe you mix W-2 wages with freelance work, run a small business on the side, or count...
Budgeting Beyond the Mortgage: What Tampa Homebuyers Forget to Plan For
By Sam Wax Most buyers walk into their home-buying process focused on one number: the monthly mortgage payment. That's the number on the listing calculator, the number your lender quotes, the number...
The VA Funding Fee Exemption Most Disabled Veterans Don’t Know They Have
By Gilbert Bennett If you've served and you're thinking about buying a home in Tampa Bay, you've probably heard that the VA loan is one of the best benefits available to veterans. Zero down, no...
How the Dual-Score Option With VantageScore and FICO Works for Your Florida Mortgage
By Sam Wax Wondering whether your credit score is the only thing standing between you and a home in Tampa? For decades, every conventional mortgage in the country used the same model: Classic FICO....
How and Why to Avoid an Appraisal on Your Florida Home Loan
The home financing process in Tampa can quickly go from exciting to overwhelming. From credit checks to inspections to closing costs, the appraisal often feels like just another delay draining your...
What Is Title Insurance and Do You Really Need It?
By Eric Yoder Buying your first home in the Tampa Bay area is exciting, but there’s something in the closing disclosure to be aware of: title insurance. In Florida, it’s one of the smartest...
Relocating to Tampa Bay from Out of State: Your Mortgage Survival Guide
By Eric Yoder Moving to Tampa has been a hot-button topic for a while. It makes sense: Beautiful beaches, weather, no state income tax, and an ever-improving job market make this city a great next...
Pre-Approved but Not Really: What Tampa Homebuyers and Realtors Need to Know
By Eric Yoder After all you’ve been through in the housing process, the deal falls apart at the 11th hour. Why? Getting pre-approved can feel like you’ve got it in the bag, but all pre-approvals...
Why Choose an Independent Mortgage Broker in Tampa Over Larger Banks?
There is a crucial decision to make when securing a mortgage for your home in Tampa. This decision is: Should you work with an independent mortgage broker or a large bank? Many assume a traditional...
What Happens When Your Credit Score Drops Mid-Transaction?
You may think the homebuying process is going smoothly, and then, in the blink of an eye, something changes. Your credit score, which was in good standing, suddenly falls after mortgage preapproval...
How VA Loans Help Active-Duty Military Members Buy a Home in Tampa Bay
By Gilbert Bennett Buying a home while serving on active duty can feel like one more mission stacked on top of an already packed schedule. Between PCS timelines, deployment uncertainty, and the cost...
When to Lock Your Mortgage Interest Rate
By Sam Wax One of the first things potential borrowers will say in the introductory phone call goes along the lines of “I just want the best rate.” This very straightforward statement has a...
How My Easy Mortgage Handles Jumbo Loans
By Lesley Holroyd Buying a home is stressful enough without running into a financing wall. And if the home you’ve got your heart set on costs more than $832,750, that’s exactly what happens with a...
5 Credit Myths That Hurt Homebuyers in the Tampa Bay Area
By Eric Yoder If you’ve been putting off buying your first home in Tampa because you think your credit score isn’t good enough, you’re not alone. Fannie Mae found that roughly one in three Americans...
Understanding Your Debt-to-Income Ratio: What Tampa Bay Homebuyers Need to Know
By Eric Yoder You’ve been saving for a down payment, your credit score looks solid, and you’re ready to start shopping for a home in Tampa. But when you sit down with a lender, they bring up a...
Why Tampa Bay Homebuyers Should Choose My Easy Mortgage
By Anthony Chiorazzi If you’re shopping for a mortgage in the Tampa Bay area, you know there’s no shortage of brokers and lenders competing for your business. From the outside, they can all start to...
How to Prepare for Emotional and Mental Challenges as First-Time Buyers
By Eric Yoder After spending dozens of hours on the house hunt, you’re finally ready to make that big purchase. You’ve saved up your down payment, checked your credit, and browsed listings late into...
The Importance of Credit | My Easy Mortgage
By My Easy Mortgage Team Nobody wakes up excited to think about their credit score. It’s one of those things that sits in the background until the moment it matters. And for most people, that moment...
Understanding Housing Escrow: Your Simple Guide to a Smarter Home Purchase
By Jay Rosado If you've started shopping for a home or recently closed on one, you've probably heard the word "escrow" more times than you can count. It sounds complicated. It's not. A mortgage...
Your Guide to Buying Your First Home
By My Easy Mortgage Team Let’s be honest: buying your first home is terrifying. You’re signing up for the biggest financial commitment of your life, and the process may feel overwhelming with...
How Fast Can A Mortgage Close?
By David Leslie Buyers will often wonder, “How fast can my mortgage close?” It’s a good question, as people should want to move into their dream home as fast as possible. Many buyers also ask, “how...
Saving for Your Down Payment Faster: A Guide for Florida First-Time Homebuyers
By Sam Wax Many Florida homebuyers often wonder what to save for a down payment on their home. This thought process is especially true for first-time homebuyers, who have a million thoughts running...
Buying a Condo as a First Home in Florida: What Buyers Need to Know
By Lesley Holroyd Buying a first home can be challenging, especially in a competitive market like Florida. But, as has been the case for the past few decades, Florida’s population is ever-growing...