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One hour could change your life forever

Sometimes change is hard. It can take weeks, years. Crying, therapy. Sweat, motivation. Other times, change is easy. We’re granted the gift of wisdom. We see things differently. Getting a mortgage loan can go either way. You can make it hard. Fighting with underwriting the whole way. Stressing over documents, approvals. Wondering about your rates or fees. Feeling exhausted when it’s over. We believe it doesn’t have to be that way. It can be enjoyable. Relaxed. You can feel confident when it’s over and proud of your loan. Pulling Back the Curtain La...

December 4th, 2017 One hour could change your life forever

How you can make a difference in the life of a veteran

Everyone makes a point on Veterans Day and Memorial Day to thank our veterans for their service to our country. But what about the days in between? Those of you (like me) who come from non-military families can probably relate to the feeling that we could (and should) be doing more for those who sacrifice so much to make our lives as wonderful as they are. It’s time to change that! The question is, HOW? Well, there are any number of ways to show your support for our veterans. But I’m here to give you an easy one that you can do almost anytime. Ready? Here it is&h...

November 15th, 2017 How you can make a difference in the life of a veteran

YANKED - Avoiding the 11th hour mortgage loan turndown

You’ve picked out your home. You gave the sellers a deposit. You paid for the appraisal and the inspection. The lender says they just need a few more documents. Your loan closing is less than a week away. You’ve done everything right. Then it happens. YANK! Your lender tells you the last documents you sent it won’t work and they won’t be able to do your loan. In other words, they’re turning you down. You may lose your deposit and your appraisal money. Not to mention quite a bit of sleep due to the giant stress ball you were just hande...

October 23rd, 2017 YANKED - Avoiding the 11th hour mortgage loan turndown

An expensive but common home buying mistake to avoid

Buying a home is expensive! First you’ve got the cost of the home. Add on the required things...appraisals, inspections, taxes, insurance, maybe even repairs. Then you’ve got discretionary things like furniture, landscaping & decorations. Total it all up and you’re making a major investment! The sheer risk of losing your hard earned money is one of the reasons why we believe you should always understand WHY these details are important when it comes to buying a home. The cold hard truth is that any single mistake could cost you thousands of dollars or worse - m...

October 16th, 2017 An expensive but common home buying mistake to avoid

What can happen when you don’t trust your gut

Do you ever get that nagging feeling that something’s not right… that feeling deep down inside when your internal alarm bells are going off? Some people would say it’s a gut feeling. Others might call it intuition. But no matter what you call it, when it comes to buying a home, you should always trust your gut. If you choose not to, it could put you in a serious bind like it did for some recent borrowers of ours. Down to the Wire We believe in daily communication throughout the loan process. But sometimes, things just seem to pop up at the last minute no matte...

October 9th, 2017 What can happen when you don’t trust your gut

USDA Temporary Funding Lapse Oct 2017: Don't Miss Out

If you've got a Rural Housing loan in process or thinking about going that route, call us to make sure you get your loan!The Rural Housing Single Family Guarantee Loan Program announced on September 19, 2017 that the USDA loan program will experience a two week lapse in fundings starting October 1, 2017. During this time, the Rural Housing will issue Conditional Commitments subject to the availability of funds. Florida Capital will continue to fund USDA Single Family Guaranteed Loans with language on the Conditional Commitments "subject to the availability of commitment authority"...

September 28th, 2017 USDA Temporary Funding Lapse Oct 2017: Don't Miss Out

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