Highland Mortgage Midtown Tampa

03/31/2025

🏥 Exciting News for Medical Professionals! 🏡
We’re now offering 100% financing with no mortgage insurance through our Doctors Only Expanded Portfolio Program — built specifically for licensed healthcare professionals like doctors, dentists, pharmacists, and more.

🔑 Program Highlights:
✅ 0% Down Payment
✅ No Mortgage Insurance
✅ Student Loans Deferred 12+ Months? Not counted in DTI
✅ Close up to 90 Days Before Starting a Job (with signed employment contract)
✅ Interest-Only Payments Available on eligible ARM products
✅ Best Rates on a 7/6 SOFR ARM — fixed for 7 years, then adjusts every 6 months
✅ Up to 43% DTI Allowed (automated underwriting only)

💡 This is a game-changing option for early-career professionals who want to maximize affordability, protect their cash flow, and buy now without waiting.

📩 DM me or comment below if you’d like to review a scenario, see if your client qualifies, or get the flyer with full details.

Let’s work together to help more doctors become homeowners!
📲 813-758-1389
📧 [email protected]

https://highlandmtg.com/rich-reynolds

03/12/2025

🏡💰 Make Your Dream Home a Reality with the Highland Mortgage Dream Maker Program! 💰🏡

Thinking about buying or refinancing? The Dream Maker Program gives you the edge with:
✅ 2 Discount Points up to $4,500 to lower your rate or cover closing cost
✅ No Negative Loan Level Pricing Adjustments
✅ 30-Year Fixed Conventional Financing
✅ No Income Limits – Not Just for First-Time Buyers

Find out if your property qualifies today! 📍💡 Visit the RE Portal or call/text me at 📲 813-758-1389 for details.

🚀 Don’t wait—make your homeownership dream a reality NOW! 🚀

450982

https://highlandmtg.com/rich-reynolds

11/14/2024

🏡 Looking to invest in land? Our Highland Mortgage Lot Loan offers flexible financing, with up to 65% Loan-to-Value and a 20-year term. Whether you're holding for future appreciation or planning a dream build down the road, this loan lets you secure your lot without immediate testing or improvement requirements. Own land on your terms! 🌱
📲 Reach out today to learn more! 813-758-1389
NMLS #450982

10/31/2024

"🎃 Have a Spooktacular Halloween! 👻 Next up: National Smoked Cherry, Pineapple, Honey Dijon Mustard Ham Day! 🥪 Keep an eye out for some mouth-watering ideas coming your way!"

10/16/2024

“I’ve lived in Westchase since December 28, 1997—my 30th birthday! 🎉 Yes, thank you, thank you, hold the applause!

Now, in all my years of Westchase living, as far as my memory serves (and trust me, I’ve done some thinking here), I’ve never lost power because of a big storm. Not a single minute! Why? Because we’ve got these massive north-south, west-coast Florida power lines slicing right through here—think super-sized metal poles, the kind you could see from space. Plus, our transformer station sits right next to those power lines, and all the Westchase home power lines? Yep, underground. We’re basically in a storm-proof bubble… unless there’s a massive storm surge in upper Tampa Bay, or possibly a 150 MPH Cat 5 Hurricane, then, well… all bets are off.

Now that the hurricanes have passed and we’re finally on the road to repair, recovery, and some kind of normalization (whatever that means these days), I’ve had a few thoughts. First: we are lucky here in Westchase, especially when it comes to keeping the lights on! I mean, you’d think we had a deal with Mother Nature or something. But it’s not all luck; it’s smart infrastructure.

So, if you’re considering moving, let me just say: Westchase has got a lot going for it, and not losing power during or after big storms is just the cherry on top.

“And hey, if you’re looking to get pre-approved for a mortgage, discuss a rehab loan to help put your home back together, or just want to chat about Westchase, hit me up! I’m a 27-year resident, and you can reach me at 813-758-1389.

Let’s talk!”

NMLS 450982

10/07/2024

Be safe and enjoy the snacks!

10/06/2024

When preparing for a hurricane and the possibility of filing insurance claims, it’s important to document the interior of your home thoroughly to prove ownership of your belongings for flood and homeowners insurance purposes. Here are the best practices to consider:

1. Take Detailed Photos and Videos

• Photograph each room: Take wide shots of entire rooms, as well as close-ups of valuable items.
• Include serial numbers: For electronics, appliances, and other high-value items, capture photos of the serial numbers and model information.
• Capture all angles: Get multiple angles of each item or room to ensure nothing is missed.
• Videos for a walkthrough: A video can complement photos by providing an easy room-by-room walkthrough. Narrate the video, pointing out valuable items and their approximate value.

2. Use a Home Inventory App

• Home inventory apps: These can help you organize your belongings with photos, descriptions, and values. Some apps to consider are:
• Sortly: Allows you to create a visual inventory with photos and categorized lists.
• Encircle: A free app that’s designed for insurance documentation, allowing you to organize photos and item details.
• Liberty Mutual’s Home Gallery: Even if you’re not a customer, this app offers a great inventory tool.

3. Save Receipts and Documentation

• Keep receipts, appraisals, and warranties for high-value items (like electronics, jewelry, or art). Photograph these documents or scan them for easy access.
• Store copies digitally in the cloud (Google Drive, Dropbox, etc.) for easy retrieval even if your physical copies are destroyed.

4. Store Your Files Safely

• Cloud backup: Save your photo and video files in a cloud service to ensure they aren’t lost if your home is damaged.
• External hard drive: For additional backup, store files on an external drive and keep it in a safe, secure location like a waterproof, fireproof safe.

5. Document with a Timeline

• Time-stamp your documentation: Make sure to include dates in your photos or videos, which can help substantiate the age and condition of your items when filing a claim.

6. List Items and Values

• For each item photographed, create a corresponding list that includes:
• Description of the item (brand, model, serial number)
• Approximate purchase date and purchase price
• Current estimated value
• Any repair or service history for expensive appliances.

7. Document the Condition of Your Home

• In addition to belongings, document the condition of your home itself (walls, floors, ceilings, etc.). This can help when filing a claim for structural damage.

These steps can significantly streamline the insurance claim process and make it easier for insurance adjusters to verify your losses. It’s best to update this inventory regularly, especially before storm season.

10/01/2024

I know we’re all busy with work, the recent storm, and family commitments, but here’s something to keep an eye on. Longshoremen at all American ports have gone on strike. If it only lasts a few days, we might not feel much impact. However, if it continues for a longer period, it could seriously affect the economy and the availability of essential goods.

Essentials to stock up on now:
🍞 Bread, 🥚 Eggs, 🥛 Milk, and fresh produce
🥫 Canned goods (soups, beans, vegetables)
🍝 Pasta, rice, and cooking oil
🧻 Toilet paper, paper towels, and trash bags
🧼 Cleaning supplies (dish soap, laundry detergent)
🧴 Toiletries (toothpaste, shampoo, deodorant)
🔋 Batteries, bottled water, and snacks
💊 First-aid essentials (band-aids, pain relievers)
Better to be prepared than caught off guard. Stay ahead and stock up!
https://www.cnbc.com/2024/10/01/what-a-lengthy-us-port-strike-could-mean-for-global-supply-chains.html

A massive dockworker strike at seaports on the U.S. East and Gulf coasts is expected to wreak havoc on global supply chains and the economy.

09/07/2024

ATTENTION Homeowners and Buyers! Refinance your home today!
Highland Mortgage's Dream Maker Program is a game-changer for anyone who qualifies for conventional financing! We're offering up to 2 discount points (up to $4,500) that can be used to slash your closing costs, pre-paids, or buy down your interest rate – even lower than the already competitive rates we’re offering today!
This program is available for purchases and refinances (rate & term or cash-out) with rates below the current market! Check out the savings table below to see how much you can keep in your pocket.
Why Dream Maker is HUGE:
• No negative pricing adjustments for credit scores, condos, or higher loan-to-value ratios.
• Whether you have great credit or are working to improve it, Dream Maker gives you a chance to save.
• Perfect for buyers and owners of primary residences – with no income limits!
• Do not have to be a first-time homebuyer
ACT NOW!
If you’re thinking of refinancing, DO NOT WAIT. The refinance option in this program changes after September 10th. After that, you'll miss out on the major savings from removed loan level pricing adjusters. This is a limited-time opportunity that could save you thousands!
I’m available all weekend to help you lock in these incredible rates! Call or text me at 813-758-1389 to get started!
Eligibility:
Your property must be located within specific GEO Codes. Want to check if your home qualifies? Send me your address and I’ll look it up for you in seconds.
Good News! VA and FHA rates are also lower right now – so call me, and let's see how much we can save you!
________________________________________
Rich Reynolds, NMLS 450982
813-758-1389
[email protected]

08/30/2024

🚨 Attention First Time Homebuyers! 🚨

Great news! The Hometown Hero Program is releasing an additional $2 million for reservation on Tuesday, September 3rd! 🏡

If you've been waiting for the perfect time to secure funding for your home, this is it! Don't miss out—funds are limited and are estimated to be gone by the end of the day on the September 3rd. Act Now!

Contact me today at 813-758-1389 to get started and ensure you're first in line for this incredible opportunity! I will be available all weekend. 📞

💪