Plain-English notes on Florida mortgages, rates, down payment help, investor loans, and Florida living — by Jorge R. Regalado, CEO of NEWLOANCO. New posts are added regularly.
Five Florida mortgage myths, busted: you don't need 20% down or perfect credit, insurance is a plan not a wall, and condos can be financed. Plain truth inside.
How much home can you afford in Florida? Look past principal and interest: taxes, insurance, flood, HOA and PMI all count. See a full-payment example inside.
Florida down-payment help explained: Florida Housing programs, Hometown Heroes, 3% conventional, 3.5% FHA, 0% VA and USDA — and how credits and buydowns stack.
VA loans in Florida explained: no monthly mortgage insurance, the funding fee in plain terms, using your entitlement twice, IRRRL refinances, and local tips.
Renting vs. buying in South Florida, honestly: the full cost of owning with Florida insurance and taxes, a simple break-even test, and how long you stay decides.
Rate lock explained for Florida buyers: what locking does, how long locks last, float-down options, and how Orlando and Tampa buyers decide when to lock.
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