The Fed Didn’t Touch Rates. Here’s What Could Actually Move Your Mortgage.
*South Florida Mortgage Report | June 2026* — On June 17th, Kevin Warsh held his first meeting as Chair of the Federal Reserve. Rates didn’t move. He didn’t cut, he…
Your Florida Condo Failed the Reserve Test — It Might Not Be Over Yet
We recently closed a 5% down Fannie Mae conventional loan on a South Florida condo where the building’s reserve budget was below 10% — the threshold that stops most lenders…
Confessions of a Serial Appraiser: What Phil Biber’s 36 Years Taught Us About Appraisals in South Florida
This article is based on a live episode of the South Florida Mortgage Report. Watch on YouTube https://youtu.be/HIOZ9kbh4T8 Apple Podcasts https://podcasts.apple.com/us/podcast/south-florida-mortgage-report/id1834181574 Spotify https://open.spotify.com/episode/1b8aBvuomBoHwdsKXk10x4?si=GteJkJ9qQwuhaULeoqyF7w By Craig Garcia, President — Capital Partners…
APR Is Supposed to Protect Borrowers. Here’s Why It Doesn’t Always Work.
South Florida Mortgage Report | Week of May 19, 2026 This is the written version of this week’s South Florida Mortgage Report. [Listen to the full episode here →]…
Summer Solstice Savvy: Timing Your Home Purchase for Maximum Benefit in the Longest Days of the Year
Embracing the Summer Solstice for Your Home Purchase As we approach the summer solstice, the longest day of the year, many people find themselves with extra hours of daylight to…
June Weddings to New Beginnings: What Prospective Homebuyers Need to Know This Season
June Weddings and New Home Beginnings As we approach the summer season, many couples are busy planning their June weddings, a time often associated with fresh starts and new beginnings…
He Lost His Job, Listened to His Wife, and Built a 100,000-Follower Real Estate Business. Here’s How.
South Florida Mortgage Report | May 15, 2026 Brad White didn’t plan to become the Rock and Roll Realtor. He was a finance guy — underwriting manager, corporate world, working…
Navigating the Spring Housing Rush: Insider Tips for Securing Your Dream Home Before Summer’s Heat
Introduction As the flowers bloom and temperatures rise, the spring housing market is in full swing. This is a popular time for homebuyers to start their search, with the goal…
The Jobs Report Just Surprised Everyone — And Mortgage Rates Barely Moved. Here’s Why.
*South Florida Mortgage Report | May 8, 2026* — This week’s jobs report was supposed to be straightforward. Non-farm payrolls were expected to come in around 55,000 jobs created. The…
Memorial Day and Mortgage Moves: How to Choose the Right Loan Before Summer Begins
Introduction As Memorial Day approaches, many of us are not only reflecting on the sacrifices of our service members but also contemplating the start of the summer season. With warmer…
Cinco de Mayo to Closing: Celebrating Culture and Community While Navigating Your Homebuying Journey
Celebrating Cinco de Mayo in Your New Community As we approach Cinco de Mayo, a vibrant celebration of Mexican culture and heritage, it’s a wonderful reminder of the importance of…
May 2026 Mortgage Check-In: Evaluating the Benefits of Refinancing Before Rates Change
Introduction As we step into May 2026, it’s an ideal time for homeowners to evaluate their current mortgage situation. With potential changes in the financial landscape, particularly interest rates, refinancing…
