Family Mortgage

09/02/2026

Florida property taxes could be changing - and if you're focused on building wealth, reducing your ongoing housing expenses matters. 🏡💰

There’s been a lot of talk about Florida “eliminating” property taxes, but the proposal being discussed is more nuanced. Florida voters could have an opportunity to vote on changes that may significantly increase the homestead exemption over time, potentially reducing the property tax burden for qualifying homeowners.

There are important details around timing, eligibility, school taxes, and when you purchase your primary residence. In this video, I break down what homeowners and future homebuyers should know.

This isn’t about how you should vote. It’s about understanding what’s being proposed and how potential property tax changes could factor into your long-term homeownership and wealth-building plans.

Have questions about how property taxes factor into your homebuying numbers? Reach out!

Evan McDonough – We make it easy! | (561) 625-2660 | NMLS #898812 | NMLS #2763579 | Mortgage One, Inc. | Equal Housing Lender 😊.

09/01/2026

🏡 New job AND buying a house at the same time? It may be possible!

Changing jobs doesn’t automatically mean putting your home purchase on hold. If you’re moving from one W-2 salaried position to another, there may be options to qualify using your new employment income - and in certain scenarios, you may even be able to close before your new job begins.

Self-employment can be a different story, with additional history and documentation requirements depending on the loan program and your situation.

The key? Before making a job change during the mortgage process, talk with your lender so you understand how it could impact your qualification.

Have questions about your scenario? Hit us up!

Evan McDonough – We make it easy! | (561) 625-2660 | NMLS #898812 | NMLS #2763579 | Mortgage One, Inc. | Equal Housing Lender 😊.

08/29/2026

5.0 star review received on Experience.com for Evan McDonough by Ed B - Fantastic. Great communication throughout the process. 4th closing and this was by far, the smoothest. All checkpoints were met on or before schedule. The team of Shelbi, Eunji, and Evan treated us like family. They even sent us some packing tape for the move. Would recommend to my family and friends.

08/26/2026

It’s Wealth Wednesday! 💰

August is a great time for a financial check-in before the end-of-year rush. If you have access to a 401(k), review your contributions and any employer match available to you. It may also be worth talking with your financial or tax advisor about Roth IRA contributions, Roth conversions, and other year-end tax planning opportunities.

The key is to start the conversation now, while there’s still time to make adjustments before December. 📆

Every financial and tax situation is different, so be sure to check with your qualified financial or tax advisor to see what may make sense for you.

Evan McDonough – We make it easy! | (561) 625-2660 | NMLS #898812 | NMLS #2763579 | Mortgage One, Inc. | Equal Housing Lender 😊

08/24/2026

5.0 star review received on Experience.com for Evan McDonough by Pam V - Evan and his team were fantastic and the process was easy from beginning to end. Complete access when I had questions and they were answered quickly. Closing was amazing and easy! I highly recommend Evan and his team for your home needs!

Click to see all 2774 reviews of Evan McDonough, Loan Officer | NMLS #189233

08/23/2026

5.0 star review received on Experience.com for Evan McDonough by Jeffrey D - The entire team at Family Mortgage is helpful and knowledgeable. They always provide a personal touch, from checking in with you throughout the process, following up to make sure you understand each step, and even sending small reminders and little surprise packages that shows they care about their customers and are invested in helping in everyway. Great job all, and special thanks to Evan and Shelbi for taking the time to explain and answer all our questions!

Click to see all 2774 reviews of Evan McDonough, Loan Officer | NMLS #189233

08/19/2026

Waiting another year to buy so you can save another $10,000? 🏡💰

It sounds like it makes sense, but it’s worth looking at the numbers first. As a general example, an additional $10,000 borrowed may only change the mortgage payment by around $70/month, depending on the loan and interest rate.

If you already have the funds needed to purchase comfortably, waiting solely to build a larger down payment may not always have the impact you expect.

Before putting your plans on hold, let’s run the numbers for your specific situation and see what makes sense. 📲

Evan McDonough – We make it easy! | (561) 625-2660 | NMLS #898812 | NMLS #2763579 | Mortgage One, Inc. | Equal Housing Lender 😊.

08/18/2026

Let’s talk condos this glorious Tuesday! 🏢

Big changes are coming to condo financing. Starting in January 2027, Fannie Mae and Freddie Mac will generally require condo projects to allocate at least 15% of their annual budget toward reserves up from the longstanding 10% benchmark.

That may create some financing challenges while associations adjust their budgets. If you’re thinking about buying a condo, or you already own one, now is a good time to ask your condo association or management company how they’re preparing for the upcoming reserve requirements.

Have questions about how these changes could impact condo financing? Give us a call! 📲

Evan McDonough – We make it easy! | (561) 625-2660 | NMLS #898812 | NMLS #2763579 | Mortgage One, Inc. | Equal Housing Lender 😊.

08/17/2026

📊 Market Monday - August 17, 2026

Save the date! We’re hosting two small-group condo classes for real estate agents at our Abacoa office in Jupiter:

📅 September 9
📅 September 15

We’ll cover the condo guideline changes already underway, what’s coming in January, and how they could affect both buyers and new listings. Registration details are coming soon!

On the market side, Middle East tensions and oil prices remain important factors to watch. Inflation showed improvement in the latest report, although year-over-year inflation remains above the Fed’s 2% target. Mortgage rates are generally in the upper 6% range, with pricing varying based on the loan program, credit profile, loan-to-value, and other details.

Have a specific scenario? Reach out anytime!

Evan McDonough – We make it easy! | (561) 625-2660 | NMLS #898812 | Mortgage One, Inc. | Equal Housing Lender 😊