Adly Sawires - VanDyk Mortgage Corporation

08/02/2026

07/27/2026

Have you ever added up what five years of rent could cost?

At $2,000 per month, with a 5 percent increase each year, rent could total more than $132,000 over five years.

Renting can absolutely be the right choice, depending on your needs and goals. But if you are planning to stay in the same area for several years, it may be worth exploring whether homeownership could be an option.

Some buyers are surprised to learn that there may be financing options with a smaller down payment than they expected. Every situation is different, so the first step is simply understanding what may be available to you.

You do not have to be ready to buy a home to start the conversation. Send me a message or call or text me at 386 316 2864. I would be happy to help you understand your options.

Adly Sawires
Loan Originator
VanDyk Mortgage, The Miller Team
NMLS #2250643

07/24/2026

One of the most common things people says:

"I don't think I qualify."

The truth is that there isn't just one type of mortgage. There is loan programs designed for many different financial situations.

Maybe you're buying your first home and worried about the down payment.

Maybe you're self-employed and your tax returns don't reflect your full income.

Maybe you're retired and living on savings instead of a paycheck.

Maybe you're trying to buy your next home before selling your current one.

Or maybe you've found the perfect home, but it needs a little work before you move in.

Whatever your situation, don't assume there's only one path to homeownership.

If you've ever caught yourself saying, "I don't think I qualify," let's have a conversation. Every situation is different, and I'd be happy to help you explore what options may fit your goals.

Adly Sawires
Loan Originator
VanDyk Mortgage, The Miller Team
NMLS #2250643
Call or text 386 316 2864

07/22/2026

Exciting news!

VanDyk Mortgage recently helped close our first home through the Florida Hometown Heroes Housing Program, and I could not be happier for our clients.

Helping someone who serves our community take this step toward homeownership is incredibly meaningful.

This program may offer down payment and closing cost assistance to eligible Florida workers, including educators, healthcare professionals, first responders, military members, veterans, childcare workers, and many others who serve our communities.

Every situation is different, and eligibility, assistance amounts, and available funding must be reviewed carefully. Since program funds are limited, it may be worth starting the conversation early if buying a home is one of your goals.

Send me a message or call or text me at 386 316 2864. I would be happy to help you explore what may be possible.

07/20/2026

QM Loans and Non-QM Loans: What Is the Difference?

One of the biggest misconceptions I hear is, “I am self-employed, so I probably cannot get a mortgage.”

The truth is that different loan options may be available for different financial situations.

A Qualified Mortgage, often called a QM loan, follows traditional lending guidelines. It may be a good fit for someone with W2 income, steady employment, and standard documentation such as pay stubs and tax returns.

For example, a teacher, nurse, or office employee with a regular paycheck may find that a QM loan fits their situation.

A Non-Qualified Mortgage, often called a Non-QM loan, may help borrowers whose income does not fit the traditional documentation model. Depending on the program, bank statements, assets, or other forms of income documentation may be considered.

This could be worth exploring for a business owner, real estate investor, freelancer, or another self-employed borrower whose tax returns may not show the full picture of their finances.

Neither option is automatically better than the other. The right fit depends on how you earn your income, your financial situation, and your homeownership goals.

Every situation is different. If you have been wondering what options may be available, I would be happy to help you understand them.

Adly Sawires
Loan Originator
VanDyk Mortgage, The Miller Team
NMLS #2250643
Call or text: 386.316.2864

07/17/2026

One of the things I hear often is, “I’m waiting until interest rates are below 6 percent.”

I completely understand. Everyone wants to feel confident they are getting a good rate.

What many people do not realize is that a lower interest rate may sometimes be available by paying discount points. That can reduce the rate, but it may also add thousands of dollars to the upfront closing costs.

There is also no single interest rate that applies to everyone.

Your rate may be influenced by several factors, including your credit profile, down payment, loan type, property details, debt to income ratio, and current market conditions.

Think of it like car insurance. Two people may purchase the same vehicle but receive different premiums based on their individual profiles. Mortgage pricing can work in a similar way.

Instead of focusing only on reaching a specific interest rate, it may be more helpful to look at the full financial picture. The right option depends on your goals, how long you plan to own the home, your available funds, and the monthly payment that feels comfortable.

Sometimes the lowest rate is not the option that puts you in the strongest overall financial position.

Every situation is different. I would be happy to walk you through the numbers and help you understand what may fit your goals.

Adly Sawires
Loan Originator
VanDyk Mortgage, The Miller Team
NMLS #2250643
Call or text me at 386.316.2864

07/16/2026

🏡 FHA or conventional financing? Which option may be right for you?

This is one of the first questions many homebuyers ask, and the honest answer is that it depends on your individual situation.

Here is a simple way to understand some of the differences.

FHA financing:
An FHA loan may be worth exploring for buyers who have had less time to build savings or who may benefit from more flexible qualifying guidelines.

For example, Sarah is preparing to buy her first home. She has steady employment, but she has not saved a large down payment, and her credit is still improving.
Depending on her complete financial picture, FHA financing could be one option to consider.

It may be helpful for buyers who:
Have a smaller amount saved for a down payment
Are still building their credit profile
Want to explore programs with different qualifying guidelines

Conventional financing:
A conventional loan may also be a good option, especially for buyers with established credit and savings.

For example, Michael has strong credit, stable income, and money saved toward his home purchase. Conventional financing could offer features that align well with his goals.

It may be helpful for buyers who:
Have established credit
Have funds available for a down payment

Want to compare different mortgage insurance options
Here is what I want every buyer to know.
You do not have to figure this out on your own.

My job is to review your financial picture, explain the available options in plain English, and help you understand what may fit your goals.

Some buyers may be eligible to consider both FHA and conventional financing. When that happens, we can compare the potential advantages, costs, and tradeoffs together.
Every buyer is different, and loan eligibility depends on the complete application, program guidelines, and individual circumstances.

Thinking about buying a home, even if you are still in the early stages? Send me a message. I would be happy to help you explore your options.

Adly Sawires
Loan Originator
VanDyk Mortgage, The Miller Team
NMLS #2250643
Call or text: 386 316 2864

07/16/2026

While renting offers flexibility, homeownership can provide the opportunity to build equity and create long term financial stability. The key is understanding your options and making the decision that aligns with your goals.

Quick gut reaction. Which investment do Americans trust more than stocks, gold, savings accounts, and bonds? The answer hasn't changed in 14 years.

07/15/2026

Hometown Heroes is back for eligible first time buyers. Reach out today and let's find out what you qualify for.