Maurice The Mortgage Guy

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Maurice The Mortgage Guy

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Home purchase and home refinance
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11/01/2026

13 Ugly Men Party Last night really good time

10/31/2026

Halloween is the one night a year a surprise at the front door is a good thing.

Every other night, you are way too smart to fall for a fee wearing a costume.

Send me any loan offer you have been handed and I will sort the tricks from the treats.

– Maurice Jones, your Mortgage Advisor in Florida, helping first time buyers understand their financing options.

10/29/2026

I’d love to move, but I can’t give up my rate.”

Fair. A low rate is worth real money, and I will never tell you to toss it lightly.

But it is rarely the whole picture. The storage unit, the extra commute, the room nobody uses the way it should be used. Those cost something too, they just never make it into the comparison.

So put it all on one line: what this house really costs you each month, what the next one would cost, and what it takes to get there. Then ask whether the difference buys back something you would want every single day.

Sometimes it does not, and staying is the right call. Sometimes the gap is a lot smaller than you expected.

— Maurice Jones, your go to Mortgage Advisor in Florida

10/27/2026

We’re waiting” is the most frustrating update in the mortgage process, mostly because it does not tell you what you are waiting on.

Most of the time nothing is wrong. Your file is just in a stage where someone else is doing their part: an appraiser, an insurance agent, an underwriter.

The stages that slow down are almost always the ones where a document is missing or something changed. That is why the “you can” line on every slide matters more than the stage name.

Comment TRACKER and I will send you the printable version of this checklist.

— Maurice Jones, your go to Mortgage Advisor in Florida

10/25/2026

Every week someone online announces the crash is coming. Every year your landlord announces rent is going up. Only one of them has been right so far.

Send me a message and let’s look at your numbers instead of the headlines.

— Maurice Jones your go to Mortgage Advisor in Florida

10/23/2026

Here is the part actually worth saying out loud: all of that is what the job looks like when it is going well.

Closing feels easy because somebody caught the missing page early, asked about the deposit before underwriting did, and already explained escrow twice so it was not a surprise on closing day.

It looks like paperwork and small talk. It is really just preparation happening in public.

If you are buying this fall, send me a message. I will handle the sideways bank statements.

— Maurice Jones, your go-to Mortgage Advisor in Florida

✔️

10/21/2026

Don’t ask for $30K off. Ask for this instead 👇

Most buyers go straight for a lower price because it feels like the win. But when you run the numbers, it’s not even close.

On an $800,000 home with 10% down:

A $30K price reduction at 7.25% saves about $184/month.

Keeping the $800K price and using seller credits to help buy the rate down from 7.25% to 5.75% could save about $710/month.

That’s roughly $526 MORE every single month.

Why the big gap? A price cut only shrinks your loan a little. A lower rate works on your entire loan balance, every month, for as long as you have the loan.

So before you write your next offer, ask yourself: am I negotiating for the lowest price, or the lowest payment?

— Maurice Jones, your go to Mortgage Advisor in Florida

10/19/2026

Why?

Your mortgage statements, escrow notices and homeowners insurance renewals all land in one place.

Your closing documents, appraisal and inspection report are one search away, which you’ll want if you ever refinance.

Property tax bills, utility accounts and appliance warranties stay organized from day one.

Contractor quotes, invoices and receipts from every project live together.

If you sell someday, the home’s whole history is ready to hand over.

Your personal inbox gets to be personal again.

It takes a few minutes to set up and saves you a lot of digging later.

Save this for the day you get the keys.

— Maurice Jones, your go to Mortgage Advisor in Florida

10/17/2026

It’s not a trick question. It’s just a question with one answer.

Pay stubs tell me what you earn. Bank statements tell me where the down payment is coming from, and that it’s been sitting there minding its own business.

Different jobs, both required, no hard feelings.

– If we haven’t met yet, I’m Maurice Jones a Mortgage Advisor in Florida,helping buyers plan a payment that fits their budget.

10/15/2026

There is the version of this job where I answer your question carefully, and there is the version where I tell you what I would tell a friend.

The careful version is technically correct. The friend version is the one that keeps you comfortable after you move in.

The friend version sounds like this: just because the letter says you can borrow it does not mean your life can afford it.

That “free” lender credit has a price, it is just paid monthly.

None of that is rude. It is just the part people do not always hear, because “you’re approved” is the easier thing to say.

Send me your price range and I will give you the friend version of your numbers.

— Maurice Jones, your go-to Mortgage Advisor in Florida

Address

6698 68th Avenue N Office #341
Saint Petersburg, FL
33781

Telephone

+18137755728

Website

https://prod.lendingpad.com/bd-mortgage-group-llc/639fec7a-0fff-4f69-a6db-a62230237535/pos

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