Ron Byrom NMLS #276811

11/02/2026

100% FHA Disaster Loans!!

As of October 27, 2026 hurricane Isaias has been designated as a presidentially declared disaster in the following counties…..

Bay
Escambia
Gulf
Holmes
Okaloosa
Santa Rosa
Walton
Washington

For 12-months from that declaration date, anyone who lost their housing due to this storm is eligible for a $0 down payment FHA disaster loan.

This includes renters!!

It is always hard to see the damage these storms cause and being experts in loan products like this one as well as renovation loans to fill the gaps for insurance….these are a small way we can try to help those in need.

Remember, you can buy anywhere and use the disaster loan benefit (not just in the impacted counties)so my realtor friends all around the area need to be alert and listen to the stories of people you speak with. Call me if you have a scenario where someone might benefit from leveraging a disaster loan.

10/16/2026

Been working on this one for a while. Freddy Mac recently came out and opened up the ability to do reset manufactured homes. Previously, we could only go through non-QM broker options for these.

NOW…. We are able to do these with VA financing!!!

We have worked hard to be the number one choice for veteran borrowers in our market area, and this only adds to the deep box of tools we bring to help our veteran friends.

08/22/2026

Now there’s an endorsement worth getting!

08/07/2026

As our company continues to see growth and expansion, we are truly proud to welcome a talented individual like you. Wishing you success in this next chapter!

08/06/2026

Our new “5x5 HELOC” is pretty awesome. The 5x5 stands for approval in 5 minutes and closing in 5 days.

We just did a 5x2!! Applied Tuesday and today they closed! The technology we keep bringing to the mortgage game is very impressive.

07/20/2026

Join us on September 2, 2026 from 11:30am-1:30pm and find out how you could boost your business by adding renovation home loans to your offering. Here's our address: Tallahassee Board of Realtors, 1029 Thomasville Rd., Tallahassee, FL, 32303. We can't wait to see you!

Be sure to RSVP here >>> https://ims.tbrnet.org/scripts/mgrqispi.dll?APPNAME=IMS&PRGNAME=IMSMemberLogin&ARGUMENTS=-ATBR&SessionType=N&ServiceName=REGE&ClassID=LAL0926

https://ims.tbrnet.org/scripts/mgrqispi.dll?APPNAME=IMS&PRGNAME=IMSMemberLogin&ARGUMENTS=-ATBR&SessionType=N&ServiceName=REGE&ClassID=LAL0926

Apply for your mortgage or refinance online with loanDepot. Trust the second largest non-bank lender in the country to provide you with quality mortgage lending and refinance services in all 50 states.

07/20/2026

FL Homestead Property Tax Proposal:

How would this impact you? It varies by area and by taxable value. In short the current homestead break in FL reduces the taxable value by $50,000 on the “non-school” portion of your millage for ad valorem taxes. The “school portion” is reduced by $25,000.

The new proposal would increase the deduction to the “non-school portion” to $150,000 in 2027 and then to $250,000 the following year.

So, schools aren’t impacted and if you have a non-ad valorem portion to your tax bill (usually connected to specific services) this is also not impacted.

The math gets interesting as each area has a different millage/tax rate and a different amount for the schools.

I’m going to do a sample for LEON COUNTY (outside city limits) and a taxable value of $300,000……..

Current Ad Valorem Tax =
$3,833.85

2027 Ad Valorem Tax
$2,890.57

2028 and Beyond Ad Valorem Tax
$1,947.29

That’s an eventual savings of over $1880!!

That’s a reduction to an escrowed mortgage payment of almost $160/month.

Want to see an impact calculation for a certain county/municipality? Comment with the county and a taxable value and I’ll try to do impact evaluations for them as I have the time.

07/17/2026

The mortgage business is something else. Late Wednesday I find out we are looking at a delayed closing due to an issue of the seller. Buyer is so mad he’s laying into everyone, including me. I’m like hold up “I’m your advocate and I just found out about this too”.

Less than 24-hours later I figured out a way to solve the issue so it could still close today.

Client went from cursing me and the realtor to asking when he can take us for dinner and drinks in less than 24 hours!! 🤣🤣

07/16/2026

Our company just revealed some VA lending stats from last year. In 2025 we had the highest customer service scoring from veteran clients in the nation for all of 2025.

It’s always special when we get to help our military and veteran clients. They often get incorrect or incomplete information. We take great pride in educating and helping our veterans and making sure they get best in class service!!

07/13/2026

Great start to the week!

I knew the market would be rough this AM. Had a new contract over the weekend and had it set up and ready this AM. Locked it before our lock desk shut down to adjust to the deteriorating market. On this same file we leveraged being able to drop a borrower to improve terms due to credit scores and then this AM we got an appraisal waiver. This file was also pre-underwritten so my agent could confidently set a really fast close date on the contract to be more competitive. This morning I saved this customer over $2,000 by being ready and being knowledgeable.

Got another new contract over the weekend for a close relative of an agent. This is always a great honor. On this one we will be leveraging Hometown Heroes TBA funds and can’t wait to register them this AM.

Also looking at a refinance for a veteran client that we did renovation purchase transaction on previously and couldn’t leverage their VA benefit so looking at an opportunity to get them back under the umbrella of “the greatest loan on the planet” as I like to call VA loans. I was proud to get this buyer into their bruised property using renovations and now proud to again look out for their best interest.

Have a great week everyone!!