Mortgage Expert NMLS 2412313

10/24/2026

🏡 Mortgage Market Update

President Trump’s new housing order aims to lower costs, but its proposed PMI pilot covers future loans only. Already paying mortgage insurance? You may have options to remove it under today’s rules.

Here’s what changes, what doesn’t, and what to ask your servicer:

Trump's mortgage insurance order calls for a future-loan PMI pilot. Learn what it could change and how to check cancellation options on your existing mortgage.

10/24/2026

FHA or conventional? Just because you qualify for both doesn’t mean they’re equally good for your wallet.

I look at how much cash you’ll bring to closing, your monthly payment and how long you plan to keep the mortgage.

My new guide breaks it down with a $400,000 home comparison and practical tips to help you prepare and shop smarter.

Compare FHA vs. conventional loans in Florida with a $400,000 example. See payments, cash to close, PMI, credit-score tradeoffs and preparation tips.

10/16/2026

More homes for sale. Fewer closings. Home prices barely moved.

So what’s actually happening in Orlando’s housing market?

I broke down September’s numbers and what they mean if you’re buying or selling. No crystal ball, just local data explained in plain English.

Thinking about making a move? Let’s talk about what these numbers mean for YOUR budget.

Orlando's September 2026 housing update: home prices, sales, inventory and days on market, plus what the numbers mean for local buyers and sellers.

10/15/2026

Buying a home is expensive enough. Closing costs making you cringe?

Explore my no closing cost options.* Keep more cash for moving, repairs, or a little breathing room.

👉 https://mortgageexpert.com/no-closing-cost-options/

*Lender credit may cover all or part of eligible costs in exchange for a higher rate and payment. Eligibility and exclusions apply.

Buying or refinancing? Explore no closing cost mortgage options in Orlando and across Florida. Use lender credit toward eligible costs and keep more cash upfront.

10/14/2026

Is now a good time to buy a home in Central Florida?

My answer: it can be, if the home, the price and the full monthly cost work for you.

I reviewed September resale data across six Central Florida counties. The market is not moving in one direction.

Sales in Orange, Seminole, Osceola and Lake combined were almost flat compared with last September. Add Polk and Volusia, and sales were down 3.3%.

In my own work, I’m still seeing some well-priced homes in good condition get multiple offers. Other homes sit. Those are my observations, not something the sales report measures.

Here’s my advice: find the right home, negotiate with facts and shop for the loan. Compare the rate, APR, fees and cash needed to close. Don’t build your budget around a refinance that may never happen.

I put the county numbers, charts and a simple buyer checklist in the full article:

September 2026 resale sales show a split across Central Florida. Compare county prices, mortgage demand and a simple plan to buy within your budget.

10/14/2026

Would you pay more at closing to get a lower mortgage rate?

My answer: show me how much more, how much it saves each month, and how long it takes to recover that money.

Sometimes paying points makes sense. Sometimes you’re better off keeping the cash. The lowest rate alone doesn’t answer that question.

That’s why I built the rate calculator on my website. You can change the purchase price, down payment and credit-score range and compare estimated rate options, payments and cash needed at closing. No name, email or phone number required.

And I’ll say this openly: I may have a great offer for your scenario, but that doesn’t mean I have the best offer for every borrower. Shop around. Compare the same loan, points, fees and lock period. Every dollar counts.

I put together an article with a side-by-side Florida example to make the tradeoff easier to understand. The calculator shows selected options to give you a baseline, and there may be other options available.

Read it below, try your numbers, and if you’re buying in Florida and want a second opinion, I’m happy to take a look.

Should you pay mortgage points? Compare two dated Florida loan options, the cash needed at closing and how long monthly savings take to recover the extra cost.

10/05/2026

A $250,000 property tax exemption doesn’t mean your tax bill disappears.

I ran the numbers on my own Lake Mary home. Under Florida’s proposed Amendment 3, I could save about $1,816 a year—and still owe about $6,355.

What could it mean for your home?

Our plain-English guide and free estimator explain the potential savings, the taxes that remain, and why homebuyers shouldn’t budget using the seller’s tax bill.

Explore examples for Seminole, Orange, Osceola and Lake counties:
https://mortgageexpert.com/florida-amendment-3-property-tax/

Educational estimates using fixed 2026 values and rates—not guaranteed future bills. No email required. No recommendation on how to vote.

See how Florida’s proposed Amendment 3 could change your property taxes. Compare 2027–2028 estimates, taxes still owed and what homebuyers should check.

10/01/2026

Preapproved? Rising rates can change your budget. Update your payment and compare mortgage quotes before you make an offer on a Florida home.

09/25/2026

https://wesh.com/article/expert-weighs-in-as-mortgage-rates-rise/73877885

It's the fifth week in a row of rising mortgage rates, which on Thursday hit an unfortunate milestone of 7.03%. We brought in an expert to discuss why this is happening.

09/22/2026

I just added a new FHA Payment Calculator to my Florida FHA Loan Guide.

Enter the home price, down payment, credit range and county to estimate your FHA payment, mortgage insurance and cash needed at closing. You can test different scenarios without entering your name, phone number or Social Security number.

It’s a planning estimate—not an approval or rate lock—but it gives you a much clearer starting point before you apply.

Try the calculator here:

https://mortgageexpert.com/fha-loan-florida/