Candace Blackburn, Florida Mortgage Lender

10/29/2026

Saw this article and, of course, immediately had to read. Good stuff but it says, "not available in Florida." Maybe it's not available in Florida with Zillow, but it's available with me at Evergreen Home Loans NMLS 3182

640 minimum credit score, no income cap, and no first-time-buyer requirement.

https://www.fox35orlando.com/news/zillow-home-loans-will-cover-your-fha-down-payment-zero-interest-43-states-how-works?link_source=ta_first_comment&taid=6ae2eefab2d0dd0001e50e94&utm_campaign=trueanthem&utm_medium=trueanthem&utm_source=facebook&fbclid=IwY2xjawVQgAFleHRuA2FlbQIxMABwZG9mBWJyaWQRMVNQT3NXWnpPdnhFWEJOWjNzcnRjBmFwcF9pZBAyMjIwMzkxNzg4MjAwODkyAAEff2HZPU1EaMDv5udBzvcJ2BSA6wCpReKqsuo2W4Oa1ag00s8bn0tMQNk5Dsc_aem_baGQ2irIC83D12BshKuw5A

Zillow Home Loans launched a down payment assistance program Wednesday to help homeowners who finance their home purchase with an FHA loan.

10/27/2026

🏡 **Let’s talk about reverse mortgages.**

There’s a lot of fear-based information out there, and some common claims are simply wrong. With an FHA-insured HECM reverse mortgage, **the lender does not take ownership of your home**. You remain the homeowner, with a mortgage lien on the property.

A reverse mortgage can let eligible homeowners turn some of their home equity into funds for expenses, home repairs, or more breathing room in their budget. In today’s economy, if you’re house-rich but cash-flow-tight, it may be worth exploring how your equity could support your plans.

Reverse mortgages have changed over the years, and today’s FHA-insured HECM process includes required counseling. But it’s still a mortgage: the balance grows over time, and borrowers must keep up with property taxes, homeowners insurance, and home maintenance. It isn’t the right fit for everyone, so understanding the costs, terms, and alternatives matters.

**Curious whether it might make sense for you? I only need 9 pieces of information to see if it’s worth exploring.** No pressure—just a first look at whether your home equity could help support your goals.

**Get the facts. Know your options. Make the choice that fits your situation.**

10/20/2026

🏠 **Want to tap into your home’s equity without giving up your low mortgage rate?**

A HELOC may let you keep your current first mortgage in place while accessing funds for:

• Paying off higher-interest debt

• Renovations and home improvements

• Creating a financial cushion for future needs

Some renovation HELOC programs let you access funds as the work progresses. Program terms vary, and a HELOC is a separate loan secured by your home. Rates may be variable, so let’s review the payment and terms before you decide.

Candace Blackburn | Evergreen Home Loans®
NMLS 2017602
813-732-2606 | [email protected]

10/19/2026

5.0 star review received on Experience.com for Candace Blackburn by Amanda A R - Easy to reach, always had an answer made transaction smooth and seemless

Click to see all 28 reviews of Candace Blackburn, Loan Officer | NMLS # 2017602

10/06/2026

🏡 Did you know you may be able to buy a home for your child or your parent without it being treated like an investment property?

There are conventional loan options that can allow you to purchase a home for a parent or child who cannot qualify for or afford the home on their own and potentially finance it under owner-occupied/primary-residence guidelines.

This can be a great option if:

• Your aging parent needs a safe home nearby but can't qualify on their own

• Your adult child has limited income or a disability that prevents them from qualifying independently

• You already own and live in your own primary residence

• You want to help a family member without dealing with typical investment-property financing

And yes—you can potentially keep your current primary residence while purchasing the other home under these special occupancy provisions.

There are specific eligibility requirements, so this isn't simply a way to buy any second property as a “primary.” The family member's circumstances and loan structure have to meet the program guidelines.

Have a parent or child you want to help? Let's look at the situation before assuming you need an investment loan. There may be a much better option.

Candace Blackburn
Evergreen Home Loans®

10/02/2026

5.0 star review received on Experience.com for Candace Blackburn by Danielle M V - Candace was extremely patient and helpful as we explored varios different loan options. She was extremely knowledgable with not only the different way to make loans work for us but assisting with connections within the industry for other products and services. Will absolutely be using her again in the future!

Click to see all 27 reviews of Candace Blackburn, Loan Officer | NMLS # 2017602

09/30/2026

https://www.experience.com/reviews/candace-blackburn/d31ac40c-fa2d-464a-83d4-62b32d5c76ce

Click to see all 27 reviews of Candace Blackburn, Loan Officer | NMLS # 2017602

09/28/2026

The typical down payment fell to about $23,400 in early 2026, down 19% from the year before.

Buyers may be benefiting from a more balanced market, lower-down-payment loan options, and assistance programs that are still widely overlooked. In fact, many buyers who qualify for help never use it.

If saving has been the biggest thing holding you back, send me a message. Let's see what options may be available to you.

09/24/2026

2008 comparisons miss one major number: homeowner equity.

Back then, equity and mortgage debt were nearly even. Today, homeowners hold $34.9 trillion in equity compared with $14.4 trillion in mortgage debt. That gap gives many homeowners a meaningful cushion and more options if selling becomes necessary.

If crash fears have kept you waiting, let's look at what's happening in our local market and talk through what a move could mean for you.

09/23/2026

📉 Realtors — here’s something I’m watching closely in the bond market.

The spread between the 2-year and 30-year Treasury yields has been narrowing pretty significantly. Why should we care?

Because mortgage rates don’t simply follow the Fed. They are much more closely influenced by the long-term bond market and mortgage-backed securities.

A narrowing yield curve can be a sign that the bond market is anticipating slower economic growth, easing inflation pressures, and potentially lower rates in the future.

Does this mean mortgage rates are about to suddenly drop? No. There are several other factors that determine mortgage pricing, and markets can change quickly.

But it IS something worth watching.

This is also why I keep telling my Realtor partners: don’t let your buyers make a decision based solely on today’s interest rate.

Right now, buyers have negotiating power. We’re seeing sellers offer closing-cost assistance, permanent rate buydowns and temporary buydowns that can make a meaningful difference in affordability.

If rates improve later, refinancing may become an option.

My job isn’t just to quote a rate. It’s to watch the market, understand what’s driving it, and help you and your buyers structure the best deal available today.