Bill Mei Capital Partners Mortgage

05/26/2026

05/04/2026

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12/15/2025

In this episode of South Florida Mortgage Report, host Bill Mei sits down with Craig A. Garcia, President of Capital Partners Mortgage, for a timely and insi...

12/09/2025

Can property taxes in Florida radically change for primary homeowners? Check out the latest South Florida Mortgage Report podcast, when we do a deep dive with State Rep. Chip La Marca.....!

10/11/2025

Check out the latest SOuth FLOrida MOrtgage REPOrt...! We explain the 2/1 rate buydown!!

It's Finance Friday, October 10, 2025! Check us out as we explain the benefits of the 2/1 Mortgage Rate Buydown, plus comments on where rates are, where its ...

10/06/2025

check out our latest podcast: how does the government shutdown effect home financing right now? https://www.facebook.com/share/p/1JKui6T8zv/

09/28/2025

Check out our podcast for the latest in mortgage news!

It’s Aloha Friday and the gents are back form the closing table with a full breakdown of this week’s mortgage headlines and market insights. In this episode,...

08/15/2025

Check out our podcast for the South Florida mortgage report! Get the latest updates with mortgage rates, and a specialty product bridge loan... easier for the buyer to qualify than traditional bridge loans! 

Bill and Craig discuss the impact of this weeks inflation report on mortgage rates, Treasury Secretary Bessent, and ways to buy your new home before your sel...

08/11/2025

The South Florida Mortgage Report is available, check out the latest edition of my podcast!

If it feels like 30-year mortgage rates have been stuck near 7% forever, that’s not far from the truth. Many observers were hoping that rates would soften when the Federal Reserve started cutting the federal funds rate last September, but that didn’t happen. There was a brief dip preceding the September Fed meeting, but rates shot back up afterward.

In fact, by January 2025 the average rate on a 30-year, fixed-rate mortgage topped 7% for the first time since last May, according to Freddie Mac data. That’s a far cry from the historic average low of 2.65% we saw in January 2021, when the government was still trying to stimulate the economy and stave off a pandemic-induced recession.

Barring another massive catastrophe, experts agree we won’t see rates in the 2% to 3% range in our lifetimes. But rates around the 6% mark are totally feasible if the U.S. manages to tame inflation and lenders feel confident in the economic outlook.

In fact, rates took a slight dip at the end of February, dropping closer to the 6.5% mark than had been seen for some time. Rates even fell below 6.5% for a brief period in early April before promptly rising directly afterward.

Right now, with uncertainty about how far President Donald Trump will go pursuing policies such as tariffs and deportations, some observers fear the labor market could tighten and inflation could reignite. Against that backdrop, U.S. homebuyers are stuck with high mortgage rates—though some can still find ways to make their purchase more affordable, such as negotiating rate buydowns with a builder when purchasing newly constructed housing.

Florida Hometown Heroes Program returns! Plus the future direction of interest rates and The FED, the recent jobs report, and more!Housing Newsletter: htt...

08/08/2025

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07/19/2025

I've launched a podcast!! Check it out...https://youtu.be/CNbVUHxUOwc