Spouses Who Finance Houses

Spouses Who Finance Houses Todd & Maria Leibold are the Spouses Who Finance Houses. www.SpousesHomeLoans.com
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Mortgage professionals with a combined 45+ years of lending expertise, we’re happy to help you buy or refi your primary, vacation or rental home.

09/02/2026

FHA Appraisal vs Home Inspection

09/01/2026

Compare Current 30-Year Mortgage Rates in August 2026
Let’s connect and talk about the latest insights in the industry!

08/31/2026

Congrats to our buyers, who closed on their new Florida house me today!
Thank you to Mr. Les Pendleton Realtor for trusting Spouses Who Finance Houses with your precious clients.

08/31/2026

US Bad Credit Home Loan Paths

Homebuyer Down Payments by Generation in the 50 Largest US MetrosAs a husband-and-wife team who’s spent decades guiding ...
08/30/2026

Homebuyer Down Payments by Generation in the 50 Largest US Metros
As a husband-and-wife team who’s spent decades guiding families through the mortgage process, we’re always watching the trends that shape the homebuying journey. Recent figures highlight how different generations are approaching down payments in the 50 largest U.S. metros: Gen Z buyers are planning a median down payment of $41,250—25% less than the overall $55,000. Meanwhile, Millennials and baby boomers are setting aside $65,000. In California metros, buyers are preparing for some of the highest down payments in the country, reaching as high as $190,000.

Every family’s path to homeownership is unique, and understanding what others are putting down can help set realistic expectations. We’ve built our practice on supporting clients with clear, honest guidance—whether you’re a first-time homebuyer or preparing for your next move. Helping families navigate these numbers is more than our specialty; it’s our passion.
https://www.housing-trends.com/agent-news/todd-leibold-1/1826099-Homebuyer-Down-Payments-by-Generation-in-the-50-Largest-US-M

New Federal Mortgage Rules Bring Fresh Opportunities to Florida CondosBig changes are on the horizon for anyone looking ...
08/29/2026

New Federal Mortgage Rules Bring Fresh Opportunities to Florida Condos
Big changes are on the horizon for anyone looking to buy or sell a Florida condo. Starting August 3, 2026, the loan process will no longer be as streamlined as it once was. Instead, expect more in-depth reviews of condo finances and maintenance, which means longer closings, extra paperwork, and a higher risk of loan denials—especially for older or underfunded buildings.

At Spouses Who Finance Houses, we’ve spent decades guiding families and our realtor partners through every mortgage twist and turn, always with clear communication and a steady hand. This new federal shift is a reminder of just how important it is to work with a lender who truly understands the landscape and can help you navigate the extra layers with care and confidence. Our family is here to help yours keep the process as smooth and stress-free as possible, no matter how complex the path becomes.
https://www.housing-trends.com/agent-news/todd-leibold-1/1888071-New-Federal-Mortgage-Rules-Bring-Fresh-Opportunities-to-Flor

Current Florida Mortgage And Refinance RatesWe’re keeping a close eye on Florida’s mortgage landscape. Right now, the av...
08/28/2026

Current Florida Mortgage And Refinance Rates
We’re keeping a close eye on Florida’s mortgage landscape. Right now, the average 30-year fixed mortgage rate in Florida stands at 6.701%—a touch lower than last week, but still higher than it was a month or three months ago. The 15-year fixed and 30-year jumbo rates followed a similar trend, with a slight weekly dip but increases over the longer term. While rates are still just below the national average, staying informed about these shifts can make a real difference for families as they plan their next move. At Spouses Who Finance Houses, our years of experience have shown us how even small changes in rates can impact your plans, whether you’re purchasing, refinancing, or simply weighing your options. We believe that clear guidance and honest updates help families make wise choices for their futures—because helping you feel confident at every step is at the heart of what we do.
https://www.housing-trends.com/agent-news/todd-leibold-1/1890540-Current-Florida-Mortgage-And-Refinance-Rates

08/27/2026

US Jumbo Mortgage Options Explained
Jumbo mortgage options can open doors when your dream home—or next investment—sits above the standard loan limits. At Spouses Who Finance Houses, we’ve seen how families and investors alike benefit from these specialized loans, especially when traditional mortgages just don’t stretch far enough. With over 45 years of combined experience, we know that jumbo loans aren’t one-size-fits-all: they support primary residences, investment properties, and offer both fixed and adjustable-rate choices, allowing you to match your financing to your exact needs.

Because these loans can’t be resold as easily, lenders do look for stronger credit, larger down payments, a lower debt-to-income ratio, and healthy cash reserves. But don’t let that discourage you—qualified borrowers often find that competitive rates are within reach, sometimes even rivaling conventional loan options. Exploring offers from banks, credit unions, and brokers is key to finding the best fit, since property type, loan purpose, and current market conditions all play a role.

Our approach—family helping families—means we’re here to guide you through every step, ensuring your lending experience is as smooth and clear as possible, no matter how big the dream.

08/26/2026

US Jumbo Loans: Limits and Requirements
Navigating jumbo loans can feel overwhelming, especially when you’re looking to buy in high-cost areas where home prices soar above standard limits. At Spouses Who Finance Houses, we’ve spent decades guiding families through these very situations, so here’s what you need to know if you’re considering a jumbo mortgage. A jumbo loan goes beyond the typical conforming limits, which shift yearly and are sometimes raised for pricier markets across the US. While rates can be competitive—especially for high-net-worth buyers with strong credit—lenders do see these loans as riskier, and may set higher rates than you’d find with conventional mortgages.

If you’re preparing to apply, expect to provide two years of tax returns, W-2s or detailed bank statements, a down payment between 10% and 20%, and show you have enough in cash reserves to cover six to thirty-six months of payments. Jumbo loans do offer the advantage of higher borrowing limits, and you might be able to skip private mortgage insurance. However, be ready for those larger down payments and closing costs. And for our self-employed clients or those with more complex financial profiles, non-qualified mortgage options can sometimes provide a smoother path when traditional jumbo requirements feel too rigid.

Family helping families isn’t just our motto—it’s how we approach every step, bringing clarity and support as you make sense of your lending choices. If you’re weighing jumbo financing, our experience is here to help you move forward with confidence.

08/25/2026

What Is an Acceleration Clause?
As mortgage professionals who believe in family helping families, we know how important it is to understand every part of your loan agreement. One term that often catches folks by surprise is the "acceleration clause." This clause allows a lender to require full repayment of your mortgage if certain situations arise—like missed payments, unpaid taxes, canceled insurance, transferring the property without approval, or bankruptcy. While these scenarios can sound intimidating, staying on top of payments and keeping the lines of communication open with your lender can help you avoid the risk of foreclosure. We’re here to guide you through the fine print and keep your path to homeownership smooth and steady, every step of the way.

Address

26001 Seastone Drive
Englewood, FL
34223

Telephone

+16143259302

Website

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