The Mortgage Expert NMLS 2412313

05/08/2026

Never been a cat guy, but I’m in love with this one.

01/20/2026

Stocks were down today. Mortgage rates didn’t drop.

That surprises a lot of people.

Mortgage rates don’t follow the stock market. They follow the bond market. When bonds sell off and yields rise, rates can move higher or become more volatile even on red market days.

This is why watching stock headlines alone can be misleading if you are buying or refinancing a home.

Especially here in Florida, where insurance and total monthly payment already matter, volatility can change real decisions quickly.

Bottom line: mortgage strategy beats market noise.

I broke this down in plain English here 👇

Stocks fell today but mortgage rates did not. Learn how bond markets, the 10 year Treasury, and volatility actually affect mortgage rates for Florida buyers.

01/10/2026

Mortgage rates quietly dipped below 6% — and it wasn’t because the Fed cut rates.

Here’s what actually changed and what it means for Florida buyers and homeowners.

👉 Full article here:
https://mortgageexpert.com/mortgage-rates/trump-fannie-freddie-mbs-mortgage-rates-florida/

Mortgage rates fell below 6% after Trump directed Fannie and Freddie to buy mortgage bonds. Here’s what it means for Florida buyers and homeowners.

01/06/2026

Very grateful to be named #1 Individual Mortgage Lender in Orlando by Orlando Magazine.

Thank you to every client and partner who continues to trust me with one of life’s biggest financial decisions.

01/06/2026

Proud moment.
Honored to be recognized as #1 Individual Mortgage Lender in Orlando by Orlando Magazine.

KBF Design Gallery, winner, General Contractor and Interior Design. ©KBF Design Gallery. Orlando magazine is proud to showcase the winners of its annual Home Design Awards, recognizing the top businesses in Central Florida’s home design industry as chosen by you, our readers. You voted for your f...

12/25/2025

Merry Christmas 🎄
Wishing you and your family a joyful and peaceful holiday season.
Grateful for the trust and support from our local community.

12/24/2025

Florida buyers ask me about closing costs all the time.

Buying a home in Florida comes with closing costs, but most buyers don’t realize they usually land closer to about 2 to 3 percent.

The percentage changes based on purchase price, loan type, property taxes, insurance, and how much is prepaid at closing. As prices go up, the percentage often goes down because many fees are fixed.

I broke it down simply in the images so you can plan better before writing an offer. This is for education only. Your actual numbers always come from your official Loan Estimate.

If you want me to run your real numbers and walk you through them, just message me.