Freddy Baez, Mortgage Lender NMLS #1596527

Freddy Baez, Mortgage Lender NMLS #1596527 Mortgage Broker at Coast 2 Coast | NMLS #1596527 | Serving all of Florida

The market got quieter. That's your opening when submitting the offer. Fewer buyers competing means sellers are answerin...
08/04/2026

The market got quieter. That's your opening when submitting the offer.

Fewer buyers competing means sellers are answering questions they ignored in the spring: closing cost help, repairs, a timeline that works for you. That leverage is real right now and it isn't guaranteed to last.

I break down what changed this week and the one move I'd make in the two minute video.

Watch it here: https://www.yourfavlender.com/watch/2026-08-04-the-market-got-quieter-thats-your-opening/

Freddy Baez, NMLS #1596527. Equal Housing Opportunity.

07/31/2026

Most homeowners have heard of refinancing but far fewer know about mortgage recasting.

A recast may allow you to make a large lump-sum payment toward your principal and then ask your loan servicer to recalculate the monthly payment based on the lower balance.
The key difference:

✅ You keep the same interest rate�
✅ You keep the same remaining loan term�
✅ You may lower the monthly principal-and-interest payment�
✅ The servicer may charge only a modest administrative fee

Example: You owe about $350,000, then later apply $50,000 toward the principal. Instead of continuing with the same payment, a recast could potentially reduce the required monthly payment without replacing the original mortgage.

A recast is not available on every loan, and whether using the lump sum this way is the best financial decision depends on your overall goals. But it is an option worth knowing about.

This is Mortgage Recast 101 part of my mortgage explanations in 60–90 seconds.

What mortgage topic should I explain next?

07/31/2026

The Freddy Baez Team mortgage brokers serving all of Florida from Weston.

Here's the difference that matters: we're brokers, not a single lender. We shop your file across multiple wholesale lenders instead of selling one company's products. Different lenders price the same borrower differently. Our job is finding which one prices you best.

WHAT WE DO

🏡 First-time buyers as little as 3% down
🔁 Refinance & cash-out
🎖️ VA & FHA
📈 Investment property & DSCR
💼 Self-employed / bank statement programs

HOW WE WORK

Every file gets a dedicated loan officer and a dedicated processor. You'll always know exactly who to call — and you'll get weekly updates without having to chase anyone for them.

⭐ 5.0 across 70+ Google reviews
📞 (954) 280-4434
🔗 www.yourfavlender.com

Someone on our team is reachable 8am–9pm weekdays and 10am–6pm weekends. Contracts don't wait for business hours.

Freddy Baez NMLS #1596527 | Equal Housing Opportunity - Powered by Coast 2 Coast Mortgage Lending

03/07/2025

Sneak Peak for those that receive the newsletter 🙂 🚨 Market Update: What You NEED to Know! 🚨

Taking a quick break to enjoy this beautiful 70-degree day in SoFlo ☀️—but I couldn’t miss the chance to drop some key insights for my investors, homebuyers, and real estate pros! 🏡📊

🔹 The 10-Year Treasury is Shaky 📉📈
* If it drops ➡️ Financing becomes cheaper 💰
* If it rises ➡️ Money gets more expensive ⬆️, lowering demand in some markets

🔹 Real Estate Agents & Loan Officers – Stay Informed! 🏡📚
* Your past clients will have questions—are you ready with answers? 🤔
* Set up those Zoom meetings & keep the convo going! 💬

🔹 2025 Is Still a Wild Card 🎲
* Uncertainty means plan ahead! 💡
* Reduce unnecessary expenses ✅
* Consider securing a line of credit for flexibility 💳
* Liquidity is 🔑—more cash = more options!

🔹 Opportunities Are Here! 📢
* If you're looking to invest, the next 90 days could be your window! ⏳
* Plan for at least a 3-4 year hold for long-term success 🚀

Taking a little Zen break 🧘‍♂️, but as always, we’re here for you! Let’s navigate this market together! 👊

🏠 Navigating Challenges with Balance: A Key to Thriving in Today's Real Estate MarketAs real estate professionals, we fa...
04/26/2024

🏠 Navigating Challenges with Balance: A Key to Thriving in Today's Real Estate Market

As real estate professionals, we face high stakes and intense pressures every day. From fluctuating markets to demanding negotiations, the challenges can be overwhelming. However, it's crucial to remember that our well-being is just as important as closing the next big deal.

To maintain balance in this dynamic field, here are a few strategies to consider:

- Set Clear Boundaries: Know when to switch off your work phone and enjoy some uninterrupted time with family or for yourself. Work-life balance is key to long-term success and health.
- Stay Informed, Not Overwhelmed: Keep up-to-date with market trends and changes without letting the information overload stress you out. Choose specific times to check updates and stick to reliable sources.
- Build a Supportive Network: Surround yourself with colleagues who uplift and support each other. A strong network can help share the load during peak times and provide advice when tackling tough situations.
- Prioritize Self-Care: Regular exercise, proper nutrition, and enough sleep are non-negotiables for peak performance. Remember, a healthy agent is a more effective agent.
- Embrace Flexibility: Adaptability is a superpower in real estate. The ability to adjust your strategies and expectations can lead to less stress and more opportunities.

By prioritizing balance, we not only enhance our professional performance but also improve our personal lives. Let's strive to be real estate professionals who excel in our careers while leading fulfilling lives. Share your thoughts and strategies on how you maintain balance!

Freedoms of Homeownership:🎨🔨💡🏠: Freedom to Customize - Owning a home gives you the freedom to decorate, renovate, and al...
05/17/2023

Freedoms of Homeownership:

🎨🔨💡🏠: Freedom to Customize - Owning a home gives you the freedom to decorate, renovate, and alter the property to suit your tastes and needs without needing to get permission from a landlord.

🔒💲: Fixed Mortgage Payments - When you own a home with a fixed-rate mortgage, your monthly payment stays the same over the life of the loan. This can provide financial stability compared to renting, where rent prices can and often do increase over time.

🚀🏠💰: Potential for Appreciation - Real estate often appreciates in value over time. If you buy a home and it increases in value, you can sell it for a profit. Renters don't have this opportunity since they don't own the property.

🇺🇸 “This country will not be a good place for any of us to live in unless we make it a good place for all of us to live ...
02/21/2022

🇺🇸 “This country will not be a good place for any of us to live in unless we make it a good place for all of us to live in.” — Theodore Roosevelt

If freedom of speech is taken away, then dumb and silent we may be led, like sheep to the slaughter.” – George Washingto...
02/21/2022

If freedom of speech is taken away, then dumb and silent we may be led, like sheep to the slaughter.”
– George Washington

02/18/2022

The process after this offer was accepted made this deal all the more worth it to see it close and be able to put keys in the hands of this wonderful family. Thank you for sticking with the Freddy Baez Team and trusting us all the way to the finish line!



Address

Weston, FL
33326

Opening Hours

Monday 8am - 7pm
Tuesday 8am - 6pm
Wednesday 8am - 6pm
Thursday 8am - 6pm
Friday 8am - 6pm
Saturday 10am - 6pm

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