Ian Anderson: The Mortgage Fisherman - NMLS 1849097

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Ian Anderson: The Mortgage Fisherman - NMLS 1849097

You've heard the horror stories...how hard it is to qualify, not to mention the fighting, shopping, and haggling to get a good rate.

Providing opportunities for low rates, hassle free mortgages for buying or refinancing a home throughout FL, GA & WI
Ian Anderson - NMLS 1849097
Fisherman Mortgage Services - NMLS 2398246 I've got great news...When you're ready, the next step in getting a low rate mortgage made easy is to contact me so we can review your unique situation and make sure that you get a low rate mortgage without the s

tress and hassle. We always close on time, always answer your call, and always "hook you" the best loan. Let Fisherman Mortgage Services do the loan shopping for you, so you can focus on purchasing or refinancing the home of your dreams! Our team has years of experience providing: Home Purchase Loans, Mortgage Pre-Approvals, VA loan processing, the Best Refinance Rates, Free Rate Comparisons, Fast Funding, Cash-Out Refinances, and more. We emphasize personalized and customized service and promise to always be there for our clients. Whether you're a first-time homebuyer, a seasoned investor, or someone looking to refinance your current home, we are here for you. NMLS #1849097
(813) 400-1013
[email protected]

08/27/2026

𝗥𝗲𝗻𝘁 𝘃𝘀 𝗕𝘂𝘆 𝗶𝗻 𝟮𝟬𝟮𝟲: 𝗧𝗵𝗲 𝗥𝗲𝗮𝗹 𝗠𝗮𝘁𝗵
The true cost of owning a home in 2026 goes far beyond your mortgage payment. See the real rent vs buy math on insurance, maintenance, and HOA fees.
https://www.fishermanmortgageservices.com/blog/rent-vs-buy-2026-real-math

08/24/2026

🏠 What if you could take your mortgage rate with you when you move?

It’s called a portable mortgage, and with millions of homeowners sitting on rates in the 2–4% range, the idea is getting a LOT of attention.

Instead of giving up your existing mortgage when you sell, you could potentially transfer it to your next home.

Man wouldn’t that be nice..

Could this help unlock homeowners who feel “trapped” by their low rate? 👀

There are still a LOT of details that would have to be worked out before something like this became widely available in the U.S so this isn’t something you can just go apply for today.

But if it happened…

Would being able to keep your current mortgage rate make you more likely to move?

Comment YES or NO below. 👇

08/22/2026

𝗛𝗼𝘄 𝘁𝗼 𝗔𝗻𝗮𝗹𝘆𝘇𝗲 𝗮 𝗥𝗲𝗻𝘁𝗮𝗹 𝗣𝗿𝗼𝗽𝗲𝗿𝘁𝘆 𝗶𝗻 𝟮𝟬𝟮𝟲
Learn how to analyze a rental property before you offer. See the three numbers that decide if a duplex makes money or bleeds you dry.
https://www.fishermanmortgageservices.com/blog/how-to-analyze-a-rental-property-2026

08/21/2026

🏠 It’s been sitting significantly longer than the competition.

📉 It’s already had multiple price reductions.

🔨 It’s cosmetically ugly — but the expensive stuff appears solid.

None of those automatically mean the seller is desperate.

But they absolutely make me start asking different questions:

Why hasn’t it sold?
How motivated is the seller?
And what else might they be willing to give up?

The goal isn’t to lowball every house.

It’s to recognize leverage that other buyers might be overlooking.

Buyers and Realtors — what’s the first thing you see on a listing that makes you think:

“There might be a deal here.”

08/19/2026

Would you rather put 20% down on a house… or put 10% down and keep $40,000 in the bank?

A bigger down payment can lower your monthly payment and may eliminate mortgage insurance.

But that doesn’t automatically make it the better move.

The question I care about just as much is:

How much cash do you have left after closing?

Because houses break. Moving costs money. Furniture, repairs, emergencies, all of that still exists after you get the keys.

Sometimes 20% down absolutely makes sense!

Sometimes I’d rather see someone keep more cash in the bank.

There isn’t one “right” down payment for everyone.

What would you do, put 20% down or keep more cash liquid?

08/17/2026

Florida homebuyers: this is one of those programs you do NOT want to hear about too late.

Florida’s Hometown Heroes program can provide up to $35,000 in down payment and closing cost assistance for eligible buyers.

And one important update: you don’t personally have to be a frontline worker anymore, you may qualify by working for an eligible employer.

If you want me to make a follow-up breaking down who qualifies and how the program works, comment HEROES below.

08/14/2026

The median new home price came in at $398,300 in June. That is 3.3% below May and the lowest reading since July of last year.

Builders are already discounting. 63% of them offered sales incentives in July, and that share has stayed above 60% for sixteen straight months. What I tell my clients: the concession is budgeted before you ever walk into the sales office. Most buyers never take full advantage of it.

Here is what to ask for on new construction right now.

1. A seller-paid 2-1 rate buydown. This is the highest value concession on the table. On a $400,000 loan it can take $400 to $500 off your payment in year one. Illustrative example.

2. Closing cost assistance. Builders routinely cover 2% to 3% of the purchase price.

3. Upgrade packages. Flooring, appliances, finish packages. These cost the builder less than cutting the price, so ask for them by name.

4. A price reduction. 37% of builders cut prices in July, and the average cut was 6%.

Here is the part buyers get backwards. Ten thousand dollars off the price saves you about $60 a month. That same ten thousand dollars put into a 2-1 buydown saves you $400 or more in year one. Same money. The buydown does more with it.

Know which concession buys you the most monthly before you sit down at that table.

Comment STACK and I'll send you the full concession checklist to bring to your builder appointment.

Ian Anderson, Fisherman Mortgage Services, NMLS #2398246. Equal Housing Lender. Figures shown are illustrative examples, not a rate quote or commitment to lend.

08/11/2026

Everyone’s talking about Florida’s property tax amendment. But they’re missing one important part.

If Amendment 3 passes in November, the expanded homestead exemption goes to Floridians who establish permanent residency by December 31, 2026.

Move here on or after January 1, 2027? You start at the roughly $50K exemption and wait five years before stepping up.

On a Florida home, that gap can run thousands of dollars a year.

This isn’t law yet. It needs 60% on November 3rd, and a judge just ordered the ballot language rewritten.

But here’s the thing, the deadline doesn’t care how the vote goes. Establishing residency this year costs you nothing if it fails and saves you real money if it passes.

If you’re already planning the move, the calendar is now part of your financial plan.

Tell me what you guys think in the comments!

08/05/2026

So a lot of people who genuinely want to sell are running the math, seeing a serious tax bill waiting on the other side, and quietly deciding to stay put instead. Economists call it the lock-in effect, and it’s one of the least talked about reasons inventory stays tight and prices stay elevated.

There’s a bipartisan bill in Congress right now called the More Homes on the Market Act that would double those limits and index them to inflation going forward. It’s still in committee and it has not passed, so nothing has changed yet, but if it ever moves it could shake a lot of homes loose.

Honest question for you: if selling your house meant handing the IRS a check that size, would you still move?

Comment 1997 and I’ll send you the plain-English breakdown of what this bill would actually change and who it helps most.

Not tax advice. Talk to your CPA about your specific situation.

08/05/2026

There's down payment money sitting in Tampa Bay right now that most renters swear doesn't exist.

They think first-time buyer help is either a scam or already gone.

It isn't. It's open and taking applications this week.

Here's the part nobody realizes.

The state runs some programs. Your county runs others. The City of Tampa runs its own.

Different names, different rules, different income limits.

So when someone hears "one program ran out," they assume ALL of it closed. Wrong.

And the piece that actually matters? For the right buyer at the right address, you can sometimes stack a state program on top of a local one and bring very little to closing.

You just have to match your income, household, and address to the right ones instead of guessing.

That's the first thing we figure out in my Numbers-First Home Plan.

You didn't miss the window. You got handed an outdated rule while rent and insurance ran away from you.

Comment "FREE" and I'll send you the full list of local and state down payment programs available for you.

Address

1211 Tech Boulevard Suite 110
Tampa, FL
33719

Telephone

+19417465493

Website

http://fishermanmortgageservices.com/

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Ian Anderson: The Mortgage Fisherman - NMLS 1849097

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