Certified Mortgage Loan Advisor

11/05/2026

🏡🌴THINKING ABOUT BUYING A HOME OR MOVING TO FLORIDA IN 2027? READ THIS!

🚨 BIG NEWS FOR FLORIDA HOMEBUYERS!

Florida voters have officially approved Amendment 3, bringing significant changes to the Homestead Exemption that could mean substantial property tax savings for qualifying homeowners!

✅ 2027: Homestead Exemption increases to $150,000.

✅ 2028: Homestead Exemption increases to $250,000.

✅ These increases apply to qualifying primary residences and non-school property taxes.

⏰ HERE'S WHY DECEMBER 31, 2026, IS IMPORTANT!

Under the new amendment, individuals who are Florida residents by December 31, 2026, may qualify for the increased exemptions when they meet the applicable homestead requirements.

Those who establish Florida residency after that date generally must wait until their fifth year of qualifying for a homestead exemption to receive the increased benefits.

🏠 STILL SITTING ON THE FENCE ABOUT BUYING?

Whether you're:

🔹 Renting and wondering if homeownership is possible.

🔹 Planning to relocate to Central Florida.

🔹 A Veteran or military family considering making Florida home.

🔹 Retiring or downsizing in 2027.

This is a great time to explore your options and develop a plan!

11/04/2026

ATTENTION FLORIDA NATIONAL GUARD MEMBERS & VETERANS!

🏡 Did you know you may qualify for a VA Home Loan even if you haven't completed six years of service?

Many current and former National Guard members may not realize that changes to VA eligibility requirements have expanded access to this valuable benefit!

✅ HERE'S WHAT YOU SHOULD KNOW:

Under certain qualifying Title 32 activations, National Guard members may qualify with:

🇺🇸 90 cumulative days of qualifying service.

At least 30 consecutive days of qualifying service.

Less than six years of service, provided the qualifying requirements are met.

Certain emergency and disaster response activations may count toward eligibility.

🎖️ WHAT DOES THIS MEAN FOR YOU?

You may have earned VA home loan benefits without realizing it!

Eligible Veterans and Servicemembers may enjoy:

🏡 No down payment required in many cases.

✅ No monthly mortgage insurance (PMI).

✅ Competitive mortgage rates.

✅ The ability to reuse your VA home loan benefit.

FROM ONE SOLDIER TO ANOTHER — LET ME HELP YOU UNDERSTAND THE BENEFITS YOU'VE EARNED!

After proudly serving 31+ years in the U.S. Army and retiring as a Sergeant Major, I continue my commitment to serving fellow Veterans and military families.

As a Mortgage Loan Officer and Certified Veterans Lending Specialist (CVLS), my mission is to help you understand your VA benefits and make informed homeownership decisions.

📞 CALL OR TEXT ME FOR A FREE VA ELIGIBILITY REVIEW!

Even if you've previously been told you don't qualify, your military service deserves another look.

Joseph "Joe" Sanchez
🎖️ SGM, U.S. Army (Ret.)
🏡 Onboard 1 Mortgage
📱 407-433-3402
NMLS #562180

11/03/2026

VETERANS: DON'T LET VA HOME LOAN MYTHS KEEP YOU FROM HOMEOWNERSHIP! 🏡

After serving over 31 years in the U.S. Army and retiring as a Sergeant Major, I remain committed to helping Veterans and military families understand the home loan benefits they've earned.

Unfortunately, misinformation continues to prevent many Veterans from exploring their homeownership opportunities.

LET'S SEPARATE MYTHS FROM FACTS!

❌ MYTH #1: You need 20% down.
✅ FACT: Eligible Veterans may purchase a home with ZERO down payment!

❌ MYTH #2: You can only use your VA loan once.
✅ FACT: Your VA home loan benefit is reusable!

❌ MYTH #3: VA loans take longer to close.
✅ FACT: VA loans can close just as quickly as conventional loans.

❌ MYTH #4: You need perfect credit.
✅ FACT: The VA doesn't set a universal minimum credit score, although lenders may have their own requirements.

❌ MYTH #5: VA loans are only for first-time buyers.
✅ FACT: Eligible Veterans can use their benefit to purchase their first home or their next primary residence.

MY MISSION CONTINUES BEYOND MILITARY SERVICE!

Today, as a Mortgage Loan Officer with Onboard 1 Mortgage, I'm proud to serve Veterans, Active-Duty Service Members, National Guard, Reservists, and military families throughout Central Florida.

🎖️ I INVITE YOU TO A PERSONAL VA HOME LOAN CONSULTATION!

Whether you're purchasing, refinancing, or simply wondering if you're eligible, let's have a conversation.

No pressure. No obligation. Just honest answers

10/31/2026

Spooky wishes!

10/31/2026

Cantilevered over a ravine, the view becomes part of the creative process.

Step inside a Connecticut studio built for writing, reflection, and wildlife observation. This 650-square-foot hilltop haven houses 1,700 poetry volumes and cantilevered glass views.

10/30/2026

Live in your space first and plan storage to make your home functional and inviting.

When you understand the key interior design principles, you can take confidence in your design decisions, trust your gut, and create a space that feels like home

10/28/2026

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10/27/2026

You've got to see this beautiful home! Message me for details or a showing!

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10/26/2026

Do you know the differences between these coverages?

Hazard insurance vs home insurance: Understand the key differences to ensure you have the right coverage for your property.

10/24/2026

Admit it: you wanna' take a look. Spacious 2 bed and 1 bath in ST CLOUD, FL.

Great location just minutes from 192 and the Turnpike. The property features brand new floors, fresh paint, a new kitchen with granite countertops, brand new hurricane-resistant windows and brand new appliances, brand new HVAC and water heater. Move in ready, It's a great place to live and a solid i...