Meza Consulting, Weston, FL (2026)

10/10/2026

Does your tax return show modest income after business write-offs? That does not always tell the whole story.

For eligible self-employed borrowers, some lenders may review 12–24 months of bank deposits to help document income instead of relying on tax returns alone.

This type of financing may suit:
• Self-employed professionals and business owners
• 1099 contractors and gig workers
• Borrowers with commission-based income

A lender may request:
• Personal and/or business bank statements
• Proof of business ownership
• A profit and loss statement
• Additional down payment or cash reserves

Pricing, fees, documentation, and qualification requirements may differ from conventional financing. Guidelines vary by lender and borrower profile, and deposits must be reviewed carefully. They are not automatically treated as qualifying income.

Don’t assume you’re declined before you ask. Talk with us, and we’ll help explain what may be possible for your situation.

Español: Si trabaja por cuenta propia, sus declaraciones de impuestos no siempre reflejan toda su capacidad de ingresos. Pregúntenos sobre sus opciones.

Educational information only. Illustrative examples are not rate quotes, payment quotes, loan commitments, or offers of credit. Subject to credit approval; terms and requirements vary. Not all applicants qualify. Equal Housing Lender.

Roberto Meza, NMLS #1865274 | Meza Mortgage, NMLS #2263177 | Florida License LO62207

10/09/2026

Six days. That’s how quickly a recent refinance was cleared to close. 🎉

Results like this are powered by more than technology. Our AI-assisted systems, organized workflows, and operational efficiency help keep files moving and reduce unnecessary delays, while our team provides real, hands-on guidance at every step.

We’re proud to combine smart systems with personal service so borrowers can move through the mortgage process with greater clarity and confidence.

Important: This is a recent client result and an illustration of what the process can deliver, not a guaranteed timeline. Turnaround times vary by file, lender, loan program, documentation, and borrower circumstances. Not all files move at this speed.

Educational purposes only. Illustrative examples are not rate quotes or offers. Questions about your refinance options? Let’s start a conversation.

Español: Los tiempos de procesamiento varían según el expediente, el prestamista, el programa y las circunstancias del prestatario. Estamos aquí para orientarle.

Roberto Meza, NMLS #1865274 | Meza Mortgage, NMLS #2263177 | Florida License LO62207
Equal Housing Lender

10/07/2026

Could you finance a South Florida home without a U.S. credit history? In some cases, yes. No U.S. credit score does not automatically mean no mortgage.

Foreign national and non-resident borrowers may go through a different review process, which can include:

• Foreign income and asset documentation
• Passport and visa or entry documents
• Proof and source of funds
• Larger down payment expectations
• Required cash reserves
• A U.S. bank account to document funds and support the transaction
• Purchasing through an entity or LLC when appropriate and lender-approved

Requirements vary by lender, property, income, assets, and borrower profile. This may also apply to investors purchasing South Florida investment properties.

Meza Mortgage works with lenders who lend to foreign national and non-resident borrowers. Roberto Meza and our team can explain what a lender may request and guide you through the process.

Have questions about buying in South Florida from outside the United States? Send us a message: we’re here to help make the process clearer.

Español: ¿No tiene historial crediticio en EE. UU.? Podemos explicarle qué documentos y requisitos podría solicitar un prestamista.

Educational content only; not legal, tax, or financial advice. Illustrative examples are not rate quotes or offers. Subject to credit approval; terms and requirements vary; not all applicants qualify. Roberto Meza, NMLS #1865274 | Meza Mortgage, NMLS #2263177 | Florida License LO62207. Equal Housing Lender.

10/05/2026

Could a rate buydown offer more value than a lower list price? Sometimes, but the right choice depends on your plans, cash available, and how long you expect to keep the loan.

A buydown uses funds at closing to reduce the loan’s interest cost.

• 2-1 buydown: Payments are temporarily reduced during the first two years, then return to the note terms. Plan for the later payment.

• Permanent points: Upfront funds reduce the note rate for the loan term. This may matter most in the early years, when payments typically include more interest. Compare the upfront cost with projected savings and your break-even point.

Seller credits may sometimes be negotiated toward eligible closing costs or a buydown. In some situations, that may provide more near-term value than reducing the list price. Compare cash to close, total cost, and how long you expect to keep the loan.

Have questions? Roberto Meza can help you compare the options clearly. We’ve got your back.

Español: ¿Tienes preguntas sobre puntos o reducciones de tasa? Te explicamos las opciones con claridad.

Educational information only. Illustrative examples are not rate quotes or offers. Subject to credit approval and eligibility. Terms vary. Not all applicants qualify. Equal Housing Lender. Roberto Meza, NMLS 1865274 | Meza Mortgage, NMLS 2263177 | Florida License LO62207.

10/03/2026

Could today’s higher-rate environment have you feeling priced out? Your debt-to-income ratio, DTI, may be one place to look.

DTI compares your required monthly debt payments with your gross monthly income before taxes.

Front-end ratio: housing costs, such as principal, interest, property taxes, homeowners insurance, and applicable dues, compared with income.

Back-end ratio: housing costs plus other recurring debts, such as auto loans, student loans, credit cards, and personal loans.

Seven ways buyers may improve their DTI:

1. Pay down revolving balances, such as credit cards.
2. Avoid opening new credit accounts or making large purchases before applying.
3. Avoid co-signing for someone else’s loan, since that debt may affect your application.
4. Document your income properly, including bonuses, commissions, self-employment, or other qualifying income.
5. Review whether an existing debt can be restructured to reduce its required monthly payment. Terms and eligibility vary.
6. Consider adding a co-borrower where appropriate. Their income and debts may be included in the analysis.
7. Ask a loan officer to run the numbers before you apply, so you can understand your options.

Feeling priced out does not always mean you are out of options. Start with the numbers, ask questions, and make informed decisions. Roberto Meza and the Meza Mortgage team are here to help you understand the path forward.

Español: ¿Te preocupa calificar? Revisemos tus ingresos y deudas para entender mejor tus opciones.

Educational information only. Illustrative examples are not rate quotes or offers. Subject to credit approval; requirements vary; not all applicants qualify. Meza Mortgage is a mortgage broker and does not make loans unless specifically identified as the lender. Equal Housing Lender. Roberto Meza, NMLS #1865274 | Meza Consulting LLC, NMLS #2263177 | Florida License LO62207.

10/01/2026

READ THE FULL ARTICLE →
https://mezamortgage.com/2026/09/30/the-fed-hiked-again-so-why-did-mortgage-rates-move-before-the-decision/

Did mortgage rates move before the Federal Reserve’s decision? There’s a reason.

The Federal Reserve does not directly set 30-year mortgage rates. Mortgage rates are influenced more closely by the bond market, especially the 10-year Treasury yield.

Because markets often price in expected Fed moves weeks in advance, mortgage rates can change before an announcement is made, including around the September 16 decision.

The takeaway: trying to time the Fed may not tell the full story. Understanding what actually drives mortgage rates can help you make more informed decisions about your home financing goals.

Read the full article here: https://mezamortgage.com/2026/09/30/the-fed-hiked-again-so-why-did-mortgage-rates-move-before-the-decision/

Have questions about how market conditions may affect your mortgage plans? Roberto Meza and the Meza Mortgage team are here to help you understand your options.

Español: ¿Tienes preguntas sobre las tasas hipotecarias? Estamos aquí para ayudarte a entender tus opciones.

Educational information only. This post is not financial, tax, legal, or lending advice. Illustrative examples are not rate quotes or offers. Information is subject to change. Meza Mortgage is a mortgage broker and does not make loans unless specifically identified as the lender. Not all applicants qualify. Equal Housing Lender. Roberto Meza, NMLS #1865274 | Meza Consulting LLC, NMLS #2263177 | Florida License LO62207.

10/01/2026

🏡 Self-employed and struggling to qualify for a mortgage? There may be another way.
Many business owners and independent professionals run into the same problem: traditional mortgage programs often focus heavily on tax returns. But if you optimize your business for taxes, your reported income may look lower than your actual cash flow. 📉
That’s where Bank Statement Loans can make a difference. 💼💰
Instead of relying mainly on tax returns, these programs may evaluate your bank deposits and cash flow to better understand how much income your business is actually generating.
✅ Designed for self-employed borrowers
✅ Can work for business owners and independent professionals
✅ Uses bank statements to evaluate income
✅ May create financing opportunities when traditional loans don’t fit your profile
If you’re self-employed, don’t assume homeownership is out of reach. There may be mortgage options specifically designed for the way you earn income. 🔑🏠
📩 Message me “BANK STATEMENT” and let’s review what options may be available for you.
HomeLoan SelfEmployed MortgageOptions RealEstate Homeownership EntrepreneurLife MortgageLender

09/29/2026

Could you be eligible for help with your down payment and closing costs, but not know it exists?

Florida’s Hometown Heroes program may provide eligible first-time and other qualified Florida buyers with up to 5% of the loan amount, up to $35,000, toward down payment and closing costs.

The program is designed for eligible workforce professionals, including certain healthcare workers, educators, first responders, childcare workers, service members, and veterans.

Approximately $50 million in program funding remains, but funds are limited and available first-come, first-served. Requirements can vary based on your occupation, income, location, loan type, and other program guidelines.

Wondering whether you may qualify? Message Meza Mortgage and we’ll help you review the possibilities and next steps. We’ve got your back.

¿Hablamos español? Send us a message: we’re happy to help.

Educational purposes only. This is not an offer to lend. Subject to credit approval. Program funds, terms, and eligibility vary. Not all applicants qualify. Illustrative examples are not rate quotes or offers. Equal Housing Lender.

09/28/2026

READ THE FULL ARTICLE →
https://mezamortgage.com/2026/09/28/first-time-buyers-guide-to-down-payments-in-2026-how-much-do-you-really-need/

Do you really need 20% down to buy a home? Not necessarily. A 20% down payment is a choice, not a requirement, and many first-time buyers put down about 8–10%.

Here are some common minimums by loan type:
• Conventional: as low as 3%
• FHA: 3.5%
• VA: 0% for eligible borrowers
• USDA: 0% in eligible areas
• Jumbo: commonly 10–20%

It’s also important to understand mortgage insurance. Conventional PMI can generally be cancelled around 20% equity, while FHA MIP with less than 10% down generally lasts the life of the loan.

For a $350,000 home, illustrative down payment examples include:
3% = $10,500 | 3.5% = $12,250 | 5% = $17,500 | 10% = $35,000 | 20% = $70,000

Down payment assistance may include grants, forgivable loans, or deferred second mortgages. Eligibility and funding can change often.

Read the full guide here:
https://mezamortgage.com/2026/09/28/first-time-buyers-guide-to-down-payments-in-2026-how-much-do-you-really-need/

Español: También podemos explicar sus opciones de pago inicial.

Educational information only. Illustrative examples are not rate quotes or offers. Loan programs, requirements, eligibility, and terms vary. Questions? Roberto Meza and the Meza Mortgage team are here to help you understand your options.

09/27/2026

Are you waiting to save 20% before you even consider buying a home?

You may not need to.

Depending on the loan program and your qualifications, some options may allow:

Conventional: as little as 3% down
FHA: as little as 3.5% down
VA: 0% down for eligible borrowers

A lower down payment may mean mortgage insurance on some conventional and FHA loans. VA loans may include a funding fee, although some eligible borrowers may be exempt. These costs vary based on the program and your individual situation.

The right next step is understanding what you may qualify for, not assuming you’re priced out.

Have questions? Roberto Meza and the Meza Mortgage team are here to help you explore your options with clarity.

¿Esperando ahorrar el 20%? Quizás no lo necesite. Podemos explicar sus opciones de compra de vivienda en español.

Illustrative examples only; not rate quotes, loan terms, or offers. Subject to credit approval, program guidelines, and borrower eligibility. Not all applicants qualify. Equal Housing Lender.

Meza Consulting

10/10/2026

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