American Nationwide Mortgage Company

American Nationwide Mortgage Company Our mission is to assist borrowers in obtaining competitive rates while maintaining the highest expe https://www.AmericanNationwide.com/licensed-states

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Our team of professionals use their financial expertise and the latest technology to secure your financing quickly and efficiently. ANMC understands complex underwriting guidelines, and our on-line access to hundreds of programs helps you obtain financial flexibility.

09/09/2026

US Mortgage Rates Stay Near 7%
Mortgage rates continue to hover near 7% for a 30-year fixed loan, with 15-year fixed options around 6%. For those keeping a close eye on the market, you may have noticed that experts aren’t predicting significant drops in the near future—forecasts suggest we’ll see 30-year rates settle in the mid-6% range by late 2026, and remain in the low-6% territory through 2027. With short-term rate policy holding steady and mortgage pricing following the 10-year Treasury (which is still above 4.5%), the path forward may feel uncertain if you’re hoping for a dramatic shift in affordability.

Over my decades in the mortgage business, I’ve learned that waiting only for lower rates rarely pays off. Remember, rates are just one piece of the puzzle—supply and overall buying costs matter just as much. If you’re evaluating your options, it’s wise to test your budget with current numbers, look at a wider range of properties (including condos or fixer-uppers), and consider shorter-term loans or rate buydowns if they fit your monthly comfort zone. My goal is always to break down these choices clearly, so you can move forward with confidence—no matter which direction the rates are heading.

09/08/2026

You don’t need every room to follow the latest trend. Good design often comes down to choices that feel intentional, comfortable, and right for how you actually live.

09/08/2026

Waiting until fall won't make homes more affordable, but here's what will
I often hear the question: will waiting until fall actually make homes more affordable? The numbers tell a different story. The income needed to purchase a median-priced home in the US has nearly doubled—now topping $120,000. With mortgage rates hovering near 6.5% and home prices still climbing, delaying your plans rarely improves affordability.

Typical down payments remain in the 6–9% range, but there are low or even zero down payment options out there for those who qualify. As someone who’s helped families navigate these choices since 1986, I can’t emphasize enough how essential preparation is. Understanding your options, and getting your finances organized, can make a real difference when the right home appears. The more prepared you are, the more empowered you’ll feel in this challenging market.

09/08/2026

US FHA or Conventional Loan Guide
Deciding between an FHA or Conventional loan can feel overwhelming, especially with so many details to consider. Over the years, I’ve seen how FHA loans can be a valuable option for buyers with lower credit scores or smaller down payments. However, it’s important to remember that every FHA loan carries mortgage insurance—and with less than 10% down, those insurance premiums can last for the life of the loan. Conventional loans, on the other hand, usually require stronger credit but offer more flexibility. They can be used for primary residences, second homes, or investment properties, with down payments starting as low as approximately 3%. Plus, private mortgage insurance (PMI) can be removed down the road.

Recently, in early Q3 2026, the average 30-year rate for conventional loans hovered in the high-6% range, while FHA rates were in the low-6%. Even so, FHA’s upfront and annual insurance costs can drive up the total expense, so it’s crucial to look beyond just the interest rate. For 2026, conforming conventional loan limits reached $832,800 in most parts of the country, giving buyers more room, while FHA capped most loans at $541,300 and generally required the property to be a primary residence, with stricter standards.

When guiding clients, I always recommend a side-by-side comparison: not just the rate, but also cash to close, monthly payments, mortgage insurance, taxes, and how everything looks over a 5–7 year period. Taking the time to understand these differences ensures you choose the loan that best fits your long-term financial goals. My role is to simplify this process and make sure you feel confident every step of the way.

09/07/2026

Hiring a contractor to start a home reno is exciting—until they suddenly go radio silent halfway through the project. If this has happened to you, understand you’re not alone. Ghosting is an unfortunate yet common issue many homeowners experience at some point in time.

09/06/2026

Spring usually brings more buyers into the market, but the best time to sell is when your home and your plans are aligned.

09/06/2026

Happy Labor Day!

Current Florida Mortgage And Refinance RatesKeeping you informed: Florida’s average 30-year fixed mortgage rate now stan...
09/05/2026

Current Florida Mortgage And Refinance Rates
Keeping you informed: Florida’s average 30-year fixed mortgage rate now stands at 6.701%. While this is a slight weekly drop, rates have edged higher when you look at the past month and quarter. The 15-year fixed and 30-year jumbo options have followed a similar pattern—down a bit week over week, but up compared to recent months. All remain just below national averages.

Having guided clients through changing markets since 1986, I know how fluctuating rates can impact your plans—whether you’re looking to buy your first home or considering a refinance. My focus is always on breaking down these shifts so you feel confident and informed about your options. If you ever feel uncertain navigating these numbers, just remember: clear guidance and tailored solutions are at the core of what I do.
https://www.roomvu.com/agent-news/ed-rogers/1890540-Current-Florida-Mortgage-And-Refinance-Rates

Address

3820 Northdale Boulevard
Tampa, FL
33624

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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