Category Archives: Florida Real Estate Mortgage Guy Blog

Homeowners: Your Home Must Be Sold TWICE

 In today’s housing market, where supply is very low and demand is very high, home values are increasing rapidly. Many experts are projecting that home values could appreciate by another 5%+ over the next twelve months. One major challenge in … Continue reading

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Americans Believe Real Estate is Best Long-Term Investment

Americans Believe Real Estate is Best Long-Term Investment According to Bankrate’s latest Financial Security Index Poll, Americans who have money to set aside for the next 10 years would rather invest in real estate than any other type of investment. Bankrate asked Americans to … Continue reading

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Mortgage Rates Decline Again

MORTGAGE RATES DECLINE (AGAIN) Mortgage rates went down in the first quarter of 2016 as investors drove up the price of mortgage bonds (see chart).  Mortgage pricing gets better when bond prices go up.  The first run-up in bond prices … Continue reading

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Review your Retirement Plan Options at Your Current Employer

  Does your current employer offer a retirement plan? If they offer something above and beyond a 401(k), good for you! Find out if this is a defined benefit or a defined contribution plan.   What’s the difference?   Defined … Continue reading

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5 Common Retirement Planning Mistakes

5 Common Retirement Planning Mistakes There are five common retirement planning mistakes that many people make             Train Wreck!! Photocredit: Tom Brandt Changing investment strategies based on emotions. It never feels good when the market … Continue reading

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Did It Make Sense To Wait?

  There are many people out there who debated purchasing a home over the course of the last year, but ultimately did not. Whatever their reasons were for delaying, let’s look at whether the decision to wait to buy made … Continue reading

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The 4 Boring Secrets to Accumulating Wealth

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The secret is that it’s all really common sense in your approach. Start saving when you are young. We all know this can be tough. Young adults often have student loan debt, want to buy their first home, and retirement … Continue reading

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4 Main Points on how to choose a Financial Advisor

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Credit: Dennis Jarvis Choosing a financial advisor can be a daunting proposition. Today, we’ll tackle some of the biggest questions and points that one should take into account during your search! What kind of licensing does the advisor have? A … Continue reading

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What is a Leading Economic Indicator and Why is it Important?

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Often, investing terms can make you feel like you are lost in a maze of strange vocabulary. Today I thought I’d tackle one that people talk about on the news frequently. Leading Economic Indicators A leading economic indicator is a … Continue reading

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USDA Loans

USDA Loans The USDA changed rules in 2009 that makes millions of Americans eligible for its rural mortgage programs. The American dream of home ownership has become more difficult as families struggle to come up with the 20% down payment that many conventional … Continue reading

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FHA Loans

FHA Loans FHA loans have been helping people become homeowners since 1934. Some benefits of FHA loans are: Low down payments Low closing costs Easy credit qualifying What does FHA have for you? Buying your first home?FHA might be just what you need. Your down payment can be … Continue reading

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What every working person needs to know about their 401k and in-service distributions

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          Credit: wsilver This post is so important I felt the need to use a cute puppy photo to entice you to click on it. Seriously, I have no shame. None at all. You really need … Continue reading

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