By Eric Yoder You applied for a mortgage, and a few days later a three-page document lands in your inbox, full of section letters and a date labeled "closing costs expire." If you skimmed it and...
By Eric Yoder You bought your Tampa Bay home a few years ago, and it's worth much more today than you paid. Maybe you want to screen in the lanai, pay off a credit card balance that keeps creeping...
By Eric Yoder You've probably heard someone call an FHA loan a last resort, the mortgage you settle for when nothing else works. Maybe a coworker said sellers won't take your offer. If you're trying...
By Eric Yoder You have been saving for a house in the Tampa Bay area for a couple of years, and the balance still does not look like enough. That gap between what you have set aside and what you...
A mortgage recast allows you to make a substantial lump-sum payment toward your principal and have your remaining monthly principal and interest payments recalculated using the lower balance. Your...
Yes, you may be able to buy a house while carrying student loan debt. Student loans do not automatically disqualify you from getting a mortgage. However, your monthly student loan obligation can...
By Sam Wax One of the quietest decisions you make in the home-buying process is who you trust to handle your loan. It's tempting to treat a mortgage broker like a one-time service: get the loan,...
By Sam Wax If you're house-hunting in the Tampa Bay area, you've probably typed your income into an online calculator, gotten a big number back, and wondered whether you can really afford it. It's a...
By Eric Yoder If you earn your living as a 1099 contractor, freelancer, or small business owner in the Tampa Bay area, you've probably heard that getting a mortgage is tougher for you than for...
By Eric Yoder You signed the closing papers, got the keys to your new place in the Tampa Bay area, and started hauling in boxes. Then a quiet question creeps in: when is my first mortgage payment...
By My Easy Mortgage Team You found the perfect Tampa condo. Your credit is strong, your income checks out, and your loan originator gave you a pre-approval letter. You write the offer, the seller...
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...