Fernando Miranda -VP of Mortgage Lending - NMLS ID 1560285

05/12/2026

Big changes are coming to mortgage lending. The FHFA, Fannie Mae, Freddie Mac, and FHA are now allowing newer credit scoring models like VantageScore 4.0 and FICO 10T in the mortgage approval process. These models can factor in on-time rent, utility, and other recurring payment history, not just traditional credit cards and loans.

For many buyers with limited credit history, this could mean new opportunities to qualify for a mortgage and achieve homeownership. It’s a major step toward a more modern and inclusive lending system.

04/15/2026

Same budget. Bigger options.
If you haven’t re-run your numbers lately, you might be looking too low 👀

03/16/2026

A $200 billion decision just hit the mortgage market 📊

It could influence rates, affordability, and the entire spring housing season.
Let me explain what’s really going on.

11/12/2025

50-year mortgage?! 😳 Sounds wild! but here’s why it might help some buyers (and why it’s not all good news)

02/20/2025

02/20/2025

07/13/2023

Local Heroes are among us every day! The Florida Hometown Heroes Housing program makes homeownership affordable for eligible full-time workforce, employed by a Florida-based employer. This program provides down payment and closing cost assistance to income-qualified homebuyers, so you can become a homeowner where you work and serve your community.

Eligible borrowers can receive up to 5% of their total loan amount (max $35K) in the form of a 0% non-amortizing, 30-year deferred second mortgage

http://GRARate.com/FernandoMiranda

05/23/2023

About us…

From our Digital Mortgage to programs that can get you approved and to the closing table in just days, we make the homebuying process easy.

05/01/2023

Join us on Monday, May 8 at 12:00PM CST for an agent webinar with Barry Habib.

https://register.gotowebinar.com/register/2531123476690973789

04/13/2023

OPEN HOUSE THIS SATURDAY

This zen-inspired, meticulous turn-key home is the perfect tropical sanctuary. You're welcomed by lush palm trees and mature privacy hedges, the entrance is beautifully finished with a stone veneer and leads you right into a grand open living space. The back yard offers a tranquil and private settin...