Florida Condotel Mortgage

10/18/2026

The Biggest Credit Hurdle for Renters Who Want To Buy

The credit landscape is changing, but action is required on your part. You have to take credit for what you do. And the sooner you get started, the better.

Ready to see where you stand? A quick conversation with a loan officer costs you nothing and could show you you're closer to owning a home than you think.

What's the biggest payment you make every month? If you’re a renter, it's probably your rent.

10/18/2026

Your rate quote checks you. It never checks the building. A quote looks at your credit, your income and your down payment. A Florida condo loan adds a second review that no quote covers, and that review is of the condo project itself. So a Florida condo loan is really two reviews. One is of you as the borrower. The other is of the building. A rate quote built on your credit and income only answers the first. The building review asks whether the project is warrantable. In plain terms, that means whether the condo project meets the standard tests lenders apply to the building. Typically, a condo is considered warrantable when: No single entity owns more than 10 percent of the units. At least 5: Your rate quote checks you. It never checks the building. A quote looks at your credit, your income and your down payment. A Florida condo loan adds a second review that no quote covers, and that review is of the condo project itself. So a Florida condo loan is really two reviews. One is of you as the borrower. The other is of the building. A rate quote built on your credit and income only answers the first. The building review asks whether the project is warrantable. In plain terms, that means whether the condo project meets the standard tests lenders apply to the building. Typically, a condo is considered warrantable when: No single entity owns more than 10 percent of the units. At least 51 percent of the units are owner occupied. Fewer than 15 percent of the units are behind on association dues. The homeowners association (HOA) is not named in any lawsuits. Commercial space is 25 percent or less of the building's total square footage. Every one of those tests is about the building. None of them is about the buyer. That means two units at the same price can face very different financing paths because of what is happening inside the association. The word "typically" matters. Applying these tests means looking at each project's real situation, one building at a time. That is where experience counts. With over 20 years of mortgage experience, we know Florida's mortgage programs, the mortgage markets and the neighborhoods. Buying a Florida condo or planning a refinance? Ask your loan officer to look at the building early, so the right program is matched to the project from the start. Call us 7 days a week at (888) 259-2257. ♬ original sound - Fidelity Home Group® - undefined

10/17/2026

Why Most People Are Still Glad They Bought a Home

Don’t let today’s uncertainty make you lose sight of what homeownership can do over time. Most homeowners say they’d make the same choice again. And decades of home-price growth help explain why.
If you’re wondering whether buying makes sense for you right now, let’s look at the numbers together – and what owning a home could mean for you in the years ahead.

With everything going on, it’s understandable if you’re wondering if you’d regret buying right now.

10/17/2026

Fidelity Home Group | The Best New Listings in 4 Years: Fidelity Home Group | The Best New Listings in 4 Years
Feel like you’ve seen everything on the market, but nothing’s quite right? Remember, fresh options are popping up every day. In February, 362k more homes hit the market. And one of those could be exactly what you’re looking for. NMLS ID 1834853

Fidelity Home Group | The Best New Listings in 4 YearsFeel like yo...

10/17/2026

Most borrowers judge a lender by the rate. What they remember afterward is whether they always knew where their loan stood. At Fidelity Home Group, one small tool answers that: automated milestone tracking. Here is how it works. You apply through our online application portal. From there, automated milestone tracking lets you follow each step of your purchase loan or refinance without having to call and ask. A status tracker sounds like a minor feature. It settles the question borrowers ask most while a loan is in progress: where is my file right now? Clients notice. A buyer who financed a home with us in Naples said our communication was excellent and that we kept them updated on their loan: Most borrowers judge a lender by the rate. What they remember afterward is whether they always knew where their loan stood. At Fidelity Home Group, one small tool answers that: automated milestone tracking. Here is how it works. You apply through our online application portal. From there, automated milestone tracking lets you follow each step of your purchase loan or refinance without having to call and ask. A status tracker sounds like a minor feature. It settles the question borrowers ask most while a loan is in progress: where is my file right now? Clients notice. A buyer who financed a home with us in Naples said our communication was excellent and that we kept them updated on their loan progress. They plan to use our service again. The tracker works alongside people. You also have direct access to a dedicated mortgage expert seven days a week. The update tells you which step you are on. Your expert explains what that step means for you. We call it our Tech + Touch approach. One thing you can use with any lender: before you apply for a purchase loan or a refinance, ask exactly how you will know where your loan stands at each step. How would you want to be kept updated during your loan? 🏡 If you are buying or refinancing in Florida, start an application with us and see the milestone tracking for yourself. ♬ original sound - Fidelity Home Group® - undefined

TikTok | Make Your Day

10/17/2026

Investment property hotspots may present DSCR opportunity: The number of investment units purchased grew for the first time in four quarters, but market share was the smallest since early 2025, BatchData reported.

The number of investment units purchased grew for the first time in four quarters, but market share was the smallest since early 2025, BatchData reported.

10/16/2026

Homes Are Still Selling – Even in a Slower Market

Don't let a headline about slowing home sales convince you no one is buying. Homes are still selling every minute of every day.

If you need or want to move, let's talk about what it'll take to make sure yours is one of them.

If you’ve seen headlines saying home sales are slowing down, you may be wondering: is this really a good time to sell?

10/16/2026

Home equity deal shows VantageScore viable for RMBS ratings: A fintech's transaction is the first to go through S&P Global's preliminary rating process with VantageScore 4.0 used to underwrite for 100% of the loans.

A fintech's transaction is the first to go through S&P Global's preliminary rating process with VantageScore 4.0 used to underwrite for 100% of the loans.

10/16/2026

| Condotels are a great option for due to their affordability, current inventory in todays market, and are lower in maintenance. We are when it comes to financing , and .

https://www.floridacondotelmortgage.com/
https://www.condotelfinancingflorida.com/

10/16/2026

The Biggest Credit Hurdle for Renters Who Want To Buy: What's the biggest payment you make every month? If you’re a renter, it's probably your rent.

What's the biggest payment you make every month? If you’re a renter, it's probably your rent.