Daisy T. Gomez NMLS# 345676

Daisy T. Gomez NMLS# 345676 Builder Brilliance at
FBC Mortgage, LLC NMLS # 152859

Make Us The Foundation Of Your Community

https://www.fbchomeloans.com/legal-licensing
http://www.nmlsconsumeraccess.org
FBC Mortgage, LLC NMLS ID # 152859

01/31/2025

📢 Buying a home soon but still need to file your 2024 tax return?

Your loan approval could depend on how your taxes are filed! 📑💰 Whether you're going Conventional or FHA, specific IRS documents may be required, and how your income is calculated can impact your qualification.

Don’t leave it to chance—talk to an FBC Mortgage loan officer today to ensure you're set up for success! 🏡✅

01/27/2025

🤷‍♂️ Wondering why underwriting isn’t matching your borrower’s income numbers from the pre-qualification stage?

Here’s the scoop:

📊 Hourly earners: Inconsistent hours? Income might be averaged over 24 months unless a recent pay raise is documented.

💼 Salary earners: Usually simpler, but if YTD doesn’t align, underwriting may average income too.

The key? Proper documentation! ✅

Need help navigating these scenarios? Let’s work together to get your borrowers approved smoothly. 💪🏡

01/22/2025

Not sure how much seller concession your client can use to cover closing costs?

Here’s a quick breakdown:

✅ FHA: Up to 6% of the sales price.

✅ Fannie Mae: Depends on the LTV—ranges from 2% to 9%.

💡 Bonus tip: Investment properties have stricter limits, so it’s key to know the details!

Let’s make sure your deal stays on track for a smooth closing. Reach out if you need guidance! 🏡✨

01/20/2025

🎁 Thinking about using a gift to cover your cash-to-close but unsure who qualifies as an acceptable gift donor?

Here’s the scoop:

✅ FHA allows gifts from family, close friends, employers, charitable organizations, and more.

✅ Fannie Mae expands the circle to include domestic partners, fiancés, former relatives, and even godparents.

Make sure your gift fits the guidelines!

Got questions? Let’s connect and get you to the closing table smoothly. 🏡✨

01/08/2025

Thinking of trading in your West Coast sunsets for sunny Florida vibes? 🌴☀️ Many homeowners are making the move, seeking more space, lower taxes, and endless warm weather. Whether it’s the beaches, the lifestyle, or the promise of a fresh start, Florida offers it all! 🌊🏡

Ready to explore the Sunshine State? Let’s talk about making your dream move happen!

01/06/2025

🏡 Dreaming of your first home? 🏡

Start repairing your credit today to unlock the door to homeownership! 🔑✨

At FBC Mortgage, we help you improve your credit so you're ready when the time comes to buy your first house.

Don’t let credit hold you back from the home of your dreams! Let's get started now! 💪🏠

01/03/2025

Let’s make 2025 your year to buy your first home. The dream is within reach! Here’s a quick guide to get you started:
• Know Your Budget 🔑
• Get Pre-Approved 📄
• Location 🗺️
• Inspection 🔍
• Closing Costs 💵
• Celebrate 🎉!
You’ve got this! Drop your questions below and let’s chat!

12/31/2024

Goodbye, 2024 – you've been wonderful, but we're ready for what’s next! Wishing you all a year full of love, laughter, and new memories to cherish. Let’s embrace the journey ahead, one day at a time, and make this year even brighter.

12/27/2024

Did you know you could be eligible for down payment assistance to help you buy your dream home?
🏡 Down Payment Assistance Programs Available! 💰
Let us help make homeownership a reality for you! 🏠✨
📞 Contact us today to learn more about how you can qualify for down payment assistance!

12/24/2024

Wishing you all a joyful holiday season filled with love, laughter, and unforgettable moments! 🎄✨ May this time bring peace, happiness, and a fresh start for the year ahead. Happy Holidays! 🌟

DR Horton Vista Sol Ribbon cutting ceremony with the local government. Great Community in Florida City. Come by and see ...
12/19/2024

DR Horton Vista Sol Ribbon cutting ceremony with the local government. Great Community in Florida City. Come by and see 608 NW 6th Ave, Florida City, FL 33034

Address

11400 North Kendall Drive, Ste 106
Miami, FL
33176

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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