Should You Pay Off Your Mortgage Early? The Honest Math
Should you pay your mortgage down early with extra payments — or put that money to work somewhere else? It’s one of the most common questions we get, and people…
Rate Buydown vs. Price Reduction: Which Saves More?
Mortgage rates have swung hard in 2026 — from under 6% in the winter to nearly 7% by August. That volatility has cooled buyer competition, which quietly hands buyers something…
DSCR Loans for Short-Term Rentals in Florida | CPMS
Most investors who get turned down for a rental loan aren’t short on money. They’re short on the paperwork a traditional loan wants to see. If that’s you, there’s a…
Why Your Mortgage Rate Differs From the Advertised Rate
Here’s a call we get some version of almost every week: someone sees a rate online or on a billboard, comes in, we run their actual scenario — and the…
Reverse Mortgage to Buy a House: The Option Agents Miss
There’s a financing tool that lets a buyer over 62 purchase a home, put down roughly half, and make zero monthly mortgage payments for the rest of their life —…
ROAD to Housing Act: What It Means for South Florida (2026)
Congress just passed the 21st Century ROAD to Housing Act — the biggest federal housing bill in decades — and it became law in July 2026. It bans Wall Street…
Buyer’s Market? Not So Fast — What South Florida’s Numbers Really Say
“It’s a buyer’s market” — you’ve heard it everywhere lately. But is it actually true in South Florida? The honest answer is: it depends which South Florida you’re standing in…
Florida Hometown Heroes 2026: Who Qualifies (and Who Doesn’t)
If you’re helping a buyer count on Florida’s Hometown Heroes program, know this up front: the rules have narrowed over the last couple of years, and the box is tighter…
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 →]…
