What is a Stated Income Loan?

Written by Boca Raton Mortgage Syndicated User on November 18, 2025. Posted in Boca Raton Mortgage, Boca Raton Mortgage Rates.

? Thinking about buying a home but worried about proving your income? Stated Income Loans might be the solution you need. These loans let you state your income without the usual paperwork. They’re especially helpful for self-employed people or those with non-traditional income sources. ?? Benefits include faster approval and less hassle. ?? You can qualify even if your income doesn’t show clearly on tax returns. Before you apply, it’s important to discuss your options with a mortgage expert to see if this loan fits your situation. Ready to learn more? Let’s...

The Housing Market Is Turning a Corner Going into 2026

Written by Boca Raton Mortgage Syndicated User on November 18, 2025. Posted in Boca Raton Mortgage, Boca Raton Mortgage Rates, For Buyers, For Sellers, Forecasts, Inventory, Mortgage Rates.

After several years of high mortgage rates and hesitation from buyers, momentum is quietly building beneath the surface of the housing market. Sellers are reappearing. Buyers are re-engaging. And for the first time in what feels like forever, there’s movement happening again.No, it’s not a surge. But it is a shift – and it’s one that could set the stage for a stronger year in 2026.So, what’s driving the comeback? Here are three big trends that are slowly breathing life back into the housing market right now.1. Mortgage Rates Have Been Coming DownMortgage rates are always going to have their...

First-Time Homebuyers in Florida

Written by Boca Raton Mortgage Syndicated User on November 17, 2025. Posted in Boca Raton Mortgage, Boca Raton Mortgage Rates.

? Buying your first home in Florida can feel overwhelming, but knowing the right steps helps a lot. Start by assessing your finances realistically to understand what you can afford. Get familiar with your FICO score, as it influences your mortgage options. When you’re ready, a home buyer consultation can guide you through choosing the right loan and what to expect during closing. Remember, getting Day 1 Certainty® from your lender means fewer surprises later. ? Keep a checklist of important documents handy and understand the sales contract before you sign. Don’t shy away from asking...

Mortgage Rate Quotes

Written by Boca Raton Mortgage Syndicated User on November 16, 2025. Posted in Boca Raton Mortgage, Boca Raton Mortgage Rates.

? Thinking about buying a home in Florida? Your mortgage rate can make a big difference in what you pay over time. Here’s why getting a personalized rate quote matters: 1?? Mortgage rates change frequently based on market conditions. 2?? Your credit score, down payment, and loan type influence your rate. 3?? Personalized quotes reflect your unique financial situation, helping you plan better. Taking a moment today to get your personalized mortgage rate quote can give you a clearer picture of your options and save you money down the road. Ready to see your rates? Let Fidelity...

Understanding Different Mortgages

Written by Boca Raton Mortgage Syndicated User on November 15, 2025. Posted in Boca Raton Mortgage, Boca Raton Mortgage Rates.

? Thinking about buying a home in Florida? It’s important to know the different types of mortgages available so you can pick the one that fits your situation best. Conventional, FHA, DSCR [ Debt Servicing Coverage Ratio ] and even Stated Income loan options. Remember, mortgage programs require a credit scores – helpful tools like FICO scoring can impact your loan options and approvals. Whether you’re a first-time buyer, buying an investment property, or refinancing, understanding these details can make your journey smoother and save you money. Swipe through our post to...

Fidelity Home Group | Your Price May Be the Reason Your House Isn’t Selling

Written by Boca Raton Mortgage Syndicated User on November 15, 2025. Posted in Boca Raton Mortgage, Boca Raton Mortgage Rates.

Your Price May Be the Reason Your House Isn’t Selling Is your house sitting and not selling? It may be time to reconsider your asking price. Want some expert advice on what you should do? Talk to your agent. NMLS ID 1834853 #fidelityhomegroup #floridamortgage #floridamortgagerates #floridamortgagecompany #mortgagetips Data Sources https://www.bankrate.com/real-estate/when-to-reduce-home-price/to-try https://www.housingwire.com/articles/seller-price-cuts-us-housing-oct-2025/

Non-Warrantable Condo Loans

Written by Boca Raton Mortgage Syndicated User on November 14, 2025. Posted in Boca Raton Mortgage, Boca Raton Mortgage Rates.

? Buying a condo in Florida can sometimes come with extra hurdles, especially if your desired property is a non-warrantable condo. What does "non-warrantable" mean? It refers to condos that don’t meet typical guidelines from major entities like Fannie Mae or Freddie Mac, making financing trickier with many lenders. At Fidelity Home Group, we offer specialized loans designed for these situations. Whether it’s a newer project, limited HOA control, or certain insurance or occupancy issues, our non-warrantable condo loans provide options with up to 80% loan-to-value...

Your new home deserves the right plan

Written by Boca Raton Mortgage Syndicated User on November 14, 2025. Posted in Boca Raton Mortgage, Boca Raton Mortgage Rates.

? Thinking about a new home or refinancing before 2026? Now is the time. At Fidelity Home Group, we guide Florida buyers through mortgage options that fit unique needs — whether it’s a first home, an investment property, or a condo. ? The holiday season brings a perfect moment to plan your mortgage and secure financing before the new year. Early action can help you close on your dream home or lower your payments in time for tax season. Our local expertise means we understand Florida’s market and available loan programs like FHA, VA, and USDA. We’re here to help you...

Would You Let $80 a Month Hold You Back from Buying a Home?

Written by Boca Raton Mortgage Syndicated User on November 14, 2025. Posted in Affordability, Boca Raton Mortgage, Boca Raton Mortgage Rates, First-Time Buyers, For Buyers, Forecasts, Mortgage Rates.

A lot of buyers are stuck in “wait and see” mode right now. They’re watching rates hover a little above 6% and thinking, I’ll buy once they hit the 5s. Because who doesn’t want a better rate?But here’s the thing: that 5.99% number might not save you as much as you think.Affordability is still a challenge. There’s no question about that. But the market has given savvy buyers a head start. Mortgage rates have already come down over the past few months. And the drop we’ve seen saves you more than you’d think.How Much You’ve Already Saved, Without Realizing ItLet’s put some real numbers...

Are Builders Overbuilding Again? Let’s Look at the Facts.

Written by Boca Raton Mortgage Syndicated User on November 13, 2025. Posted in Boca Raton Mortgage, Boca Raton Mortgage Rates, For Buyers, For Sellers, Inventory, New Construction.

If it feels like you’re seeing new construction signs pop up everywhere, you’re not wrong. Builders have been busy. And it’s left some people wondering: Are we overbuilding like we did right before the 2008 housing crash?No matter what you may hear in the news, there’s no reason for alarm. In reality, data shows builders aren’t racing ahead, they’re actually starting to tap the brakes.Builders Are Pulling Back, Not Piling OnPermits (applications to start building new homes) are one of the best early indicators for what’s next for home construction. And right now, building permits are...

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