Adam Chwala American Fidelity Mortgage Solutions

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United States
Lutz, FL
Adam Chwala American Fidelity Mortgage Solutions

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Helping Florida homebuyers, homeowners, and investors navigate the mortgage process with confidence. NMLS #382141

Purchase • Refinance • Investment Properties • Personalized guidance from application to closing. Closing home loans for purchases and refinances in under 30 days since 2004.

10/05/2026

Another Realtor partner’s buyer is clear to close.

This DSCR investment purchase in Holiday, Florida is headed to the closing table.

Thank you to Amanda Lebiszczak | Broker Associate, The Pretty House Team at Charles Rutenberg Realty for trusting American Fidelity Mortgage Solutions with the financing.

Realtors: Have an investor buyer whose scenario doesn’t fit traditional financing? Send over the scenario. A DSCR option may be worth exploring.

Adam Chwala | Sr. Loan Officer
NMLS #382141 | 813.732.3744

10/02/2026

Realtor partners, the latest Florida numbers are a good reminder that this market requires context.

Single family inventory fell 13% year over year in August, while the statewide median sale price increased 1.2% to $415,000.

Sales slowed, but the data points more toward a market leveling than one dramatically changing direction. Statewide data is only the starting point.

Conditions can look very different by community, price point and property type.

Have a buyer trying to make sense of today’s market? Send over the scenario. We’ll help with the financing side of the conversation.

Adam Chwala | Sr. Loan Officer
NMLS #382141 | 813.732.3744

09/30/2026

Realtors don’t just negotiate the price. Negotiate the deal. 44.7% of U.S. homebuyers received a seller concession in August.

For the right transaction, concessions can create another way to help get the numbers working for your buyer.

Have a buyer who loves the house but is struggling with the numbers? Send Adam the scenario. Let’s see what options are available.

Adam Chwala | Sr. Loan Officer
NMLS #382141 | 813.732.3744

09/23/2026

Realtors this could open up some additional buying power for your clients.

Early 2027 conforming loan limits are now available for eligible conventional and VA loans locked with participating lenders with the one-unit limit increasing to $847,440.

Have a buyer who was previously just outside the conforming range? It may be worth running the numbers again.

Send over the scenario and we’ll take a look.

Adam Chwala | Sr. Loan Officer
NMLS #382141 | 813.732.3744

09/22/2026

Realtors! Before automatically going with the popular program, let’s compare the numbers.

Hometown Heroes can be a great resource, but if your FHA buyer already has the 3.5% down payment, a standard FHA loan may be worth a closer look.

FHA also allows up to 6% in eligible seller concessions which can help with closing costs, prepaids, discount points and even eligible rate buydowns.

We ran a $400K scenario today with 3.5% down and a 720 credit score, and standard FHA came out with a lower rate and monthly payment than the Hometown Heroes option in that specific comparison.

Have a buyer you're considering Hometown Heroes for? Send Adam the scenario. Let's compare the numbers.

Adam Chwala | NMLS #382141
813.732.3744

09/18/2026

A good reminder for every buyer after pre-approval should protect the loan all the way to closing.

New credit, large purchases or employment changes could affect a buyer’s financing.

Realtors: If your client is thinking about making a big financial move before closing, encourage them to check with their loan officer first.

A quick conversation can help keep everyone moving toward the closing table.

Adam Chwala | Sr. Loan Officer
NMLS #382141 | 813.732.3744

09/10/2026

Rates are back near 7% and your buyers are seeing the headlines too.

For Realtors, this is where the conversation matters.

A higher rate doesn’t automatically mean a buyer needs to step away. Purchase price, monthly payment, loan structure and negotiating opportunities can all change the picture.

Have a buyer getting nervous about rates? Send us the scenario.

We’ll run the numbers so you can help them make an informed decision not one based on a headline.

Adam Chwala | Sr. Loan Officer
NMLS #382141 | 813.732.3744

09/01/2026

Clear to Close in 15 days.

Another recent purchase moving toward the closing table with a strong lending and Realtor partnership behind it.

Thank you to Weldy Pierre for the partnership and trust throughout the process. Weldy Pierre

Whether you're buying a home or helping a client navigate financing, our team is here to help keep the process moving.

08/26/2026

Mortgage rates get a lot of attention, but the bigger question is what they mean for your monthly payment and overall buying power.

Even small changes can make a difference. Understanding the numbers before you start shopping can help you make a more informed decision.

Have questions about your scenario? We’re here to help.

Adam Chwala | Sr. Loan Officer
NMLS #382141 | 813.732.3744

08/24/2026

🏡 Welcome home!

Congratulations to the new homeowners on closing on their new primary residence in Spring Hill.

We're also celebrating another great partnership with Dee Fabregat, REALTOR® with The Roman Group. From finding the opportunity to getting to the closing table, it's always great to see a team come together for the buyer.

Congratulations, Dee, and to the new homeowners! 🔑

Address

Lutz, FL

Telephone

+18137323744

Website

http://www.homeloanfl.com/

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