FAIR Mortgage Lending

FAIR Mortgage Lending NMLS 2167932. FL based. Our goal is to WOW your mortgage process. Communication and Availability are our forte.

Why Voting YES on Amendment 3 is a Win for Florida Property Owners! 🗳️💰If you own a home, buy real estate, or invest in ...
09/07/2026

Why Voting YES on Amendment 3 is a Win for Florida Property Owners! 🗳️💰

If you own a home, buy real estate, or invest in Florida, Amendment 3 offers real, direct tax relief that will keep more money in your pocket every single year.

Here is a breakdown of why this amendment matters and why supporting it is crucial:

🔹 For Homeowners (Primary Residence):

You will get a significantly higher homestead exemption, lowering the taxable value of your home and directly reducing your annual property tax bill.

🔹 For Real Estate Investors & Landlords:

Currently, the taxable value of non-homestead properties can jump by up to 10% each year. Amendment 3 cuts that cap in half to just 5% per year—giving you predictable expenses and protecting your cash flow.

🔹 Lower Holding Costs:

While it doesn’t lower home market prices overnight, it slashes the ongoing cost of owning property, making housing overall more sustainable against rising inflation.

This is a major step toward real tax reform in Florida.

👉 Make your voice heard: Vote YES on Amendment 3 this November!

Have questions about how Amendment 3 affects your mortgage or property investments in Florida?

📌 Follow Fair Mortgage Lending and reach out to our team today!

The Florida Hometown Heroes Program is back, but time is running out!If you’re a first-time buyer in Florida, this progr...
09/04/2026

The Florida Hometown Heroes Program is back, but time is running out!

If you’re a first-time buyer in Florida, this program could help with one of the biggest challenges of buying a home: the money you need for down payment and closing costs, but there’s one important detail: funds are limited, and the application window is closing soon.

Not sure if you qualify? Don’t wait to find out. Once the available funds are gone or the deadline passes, this opportunity may no longer be available.

DM us today and let’s look at your options before it’s too late.

Program guidelines, income limits, loan limits, deadlines, and eligibility requirements apply.

08/19/2026

Waiting for rates to drop before buying a home?

Lower rates sound great… but they could also bring more buyers, more competition, and higher home prices.

When competition is lower, you may have more room to negotiate seller credits, closing costs, or a rate buy-down.

So if you’re financially ready today, don’t look at the interest rate alone.

The best time to buy is when the opportunity makes sense for you. 🏡

Homeownership FirstTimeHomeBuyer FloridaRealEstate

07/14/2026

Mortgage insurance isn't the same on every loan.

If you’re buying a home with less than 20% down, mortgage insurance usually comes into play. But here’s the thing... the loan you choose can change how much you pay and how long you pay it.

With a conventional loan, you’ll usually have PMI, or Private Mortgage Insurance. The good news is that it can often be removed once you build enough equity in your home.

With an FHA loan, you’ll pay MIP, or Mortgage Insurance Premium. And that can stick around for up to 12 years — or even for the life of the loan in some cases.

So yes, two buyers can purchase the exact same home with the exact same down payment and still end up with very different monthly payments and long-term costs.

07/07/2026

Buy a home. and somehow keep the seller’s low interest rate?

Wild, but yes: that’s the whole idea behind an assumable mortgage. FHA, VA, certain loan types can open the door for qualified buyers to step right into the seller’s existing mortgage, balance, rate, terms and all.

Sounds almost too good. Almost. Because here’s the thing: not every loan can be assumed. Conventional loans? Usually no. And even when the mortgage is assumable, the lender still has to approve you. Plus, if the home costs more than what’s left on the loan, that gap doesn’t just disappear. Cash. Secondary financing. Something has to cover it.

Still, in the right situation — especially when today’s rates are climbing higher than the seller’s old one — an assumable mortgage can be a SERIOUS ADVANTAGE. A real one.

07/06/2026

Before the home tours. Check the credit score first.

Not because it decides whether you can buy a home. No. Because it can change how much that home really costs you over time.

A small shift in your score can lower interest rate and monthly payments saving hundreds every month. Over the life of the loan, that can turn into tens of thousands.

That's why you may have more control than you think: pay down a credit card balance, fix an error on your credit report, make a few smart moves before you apply. And that’s why talking with a loan officer early matters so much, the right guidance now can put you in a much stronger position when it’s finally time to buy.

Today, we remember and honor the brave men and women who made the ultimate sacrifice for our freedom. 🇺🇸This Memorial Da...
05/25/2026

Today, we remember and honor the brave men and women who made the ultimate sacrifice for our freedom. 🇺🇸

This Memorial Day, we pause to reflect with gratitude and respect. Wishing everyone a safe and meaningful holiday.

— Fair Mortgage Lending

Address

300 SE 2nd Street Suite 600
Fort Lauderdale, FL
33301

Opening Hours

Monday 9:30am - 6:30pm
Tuesday 9:30am - 6:30pm
Wednesday 9:30am - 6:30pm
Thursday 9:30am - 6:30pm
Friday 9:30am - 5pm

Telephone

+17868408898

Website

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