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Tag: #keywestmortgagerates

The Credit Score Myth That’s Holding Would-Be Buyers Back

Written by Key West Mortgage Syndicated User on . Posted in First-Time Buyers, For Buyers, Key West Florida News, Key West News, Rent vs. Buy.

Would-be homebuyers aren’t sitting on the sidelines because they don’t want to buy. They’re sitting out because they think they can’t. And sometimes, it’s their credit score that’s holding them back.According to a Bankrate survey, 2 out of every 5 (42%) Americans believe you need excellent credit to qualify for a mortgage. That may be why, when renters are asked why they don’t own yet, “my credit isn’t good enough” comes up often.Maybe you’re in the same boat. You look at your score, see it’s not where you want it to be, and assume buying your first place just isn’t realistic right now.But...

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Expert Forecasts Point to Affordability Improving in 2026

Written by Key West Mortgage Syndicated User on . Posted in Featured, For Buyers, For Sellers, Forecasts, Home Prices, Inventory, Key West Florida News, Key West News, Mortgage Rates.

Wondering what to expect from the housing market in 2026? You’re not the only one. For the past few years, affordability has been the biggest barrier standing between most people and their next move. And a lot of buyers and sellers have been holding their breath waiting for things to get better. The good news? It’s finally happening.In 2025, affordability was the best it’s been in 3 years. And experts agree the momentum will keep going in 2026. And that’s based on their analysis of the key factors shaping the housing market in the year ahead: mortgage rates, inventory, and home prices.Lower...

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Mortgage Programs for Business Owners

Written by Key West Mortgage Syndicated User on . Posted in Florida Keys Mortgage, Mortgage Florida Keys.

? Self-employed and business owners in Florida: Getting a mortgage can be tricky, right? Fidelity Home Group totally gets it, and they’ve got your back with tailored loan programs just for you. Whether you use bank statements, stated income, or profit & loss reports, there’s a plan designed to fit your unique business and lifestyle. Secure your dream home with confidence this winter season! ? Benefits: • Flexible income verification options • Programs for all property types in Florida • Expert guidance every step of the way Ready to learn more or start your journey? ?...

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Florida Condo Experts!

Written by Key West Mortgage Syndicated User on . Posted in Florida Keys Mortgage, Mortgage Florida Keys.

? Thinking of buying a condo? Here’s what you need to know about the DSCR mortgage program. It lets investors qualify based on the property’s income, not personal earnings. No need to show personal income, just your property’s cash flow. Minimum credit score is 660. Down payments vary by condo type—20% for warrantable, 25% for non-warrantable and condotel. You can buy or refinance, with loan amounts up to $5 million. Perfect for investors with business deductions. Got questions? Ask us anytime! ? ? Link in profile #OrlandoCondoloans #CondoMortgages #DSCRLoans...

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Fidelity Home Group | Mortgage Rates Are Down a Full Percentage Point from Last Year

Written by Key West Mortgage Syndicated User on . Posted in Florida Keys Mortgage, Mortgage Florida Keys.

Fidelity Home Group | Mortgage Rates Are Down a Full Percentage Point from Last Year Mortgage rates are down a full percentage point from last year. That may not sound like a lot… until you see that it could save you $330 a month. If buying didn’t work for you last year, it’s time to re-run your numbers and see if 2026 is your year. NMLS ID 1834853 #fidelityhomegroup #floridamortgage #floridamortgagerates #floridamortgagecompany #mortgagetips Data Sources https://www.mortgagenewsdaily.com/mortgage-rates/30-year-fixed

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Business Owner Mortgages

Written by Key West Mortgage Syndicated User on . Posted in Florida Keys Mortgage, Mortgage Florida Keys.

Are you self-employed and finding it hard to get a mortgage? Our Asset Qualifier program uses your assets, not just income, to help you qualify. With options like bank statement and 1-year tax return loans, we tailor solutions to your situation. Secure your home loan faster without the usual income proof hassles. ?? Ask about Bank Statement, P & L, 1-Year Tax Return loans! ? Link in profile #BankStatementLoans #SelfEmployedHomeLoan #AssetQualifier #FidelityHomeGroup #HomeLoanSolution

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Stated Income Mortgage

Written by Key West Mortgage Syndicated User on . Posted in Florida Keys Mortgage, Mortgage Florida Keys.

? Self-employed and dreaming of your own home in sunny Florida? We get it — traditional mortgages can be tricky when your income isn’t typical. That’s where our Portfolio Mortgage Programs come in! ? Tailored just for business owners, freelancers, and self-employed folks — we look beyond the usual paycheck stubs: • Primary Residence Only • Minimum 20% Down Payment with 720 credit with a minimum of 9 months of reserves for purchases • Minimum 25% Down Payment with 680 credit with a minimum of 6 months of reserves for purchases • No 4506T Required [ tax return verification ] • No...

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Mortgages for Self-Employed Borrowers!

Written by Key West Mortgage Syndicated User on . Posted in Florida Keys Mortgage, Mortgage Florida Keys.

Buying a home as a self-employed business owner in Florida can feel complicated, especially when proving your income with 12 or 24-months of Bank Statements. Asset qualifier loans offer a flexible path by allowing lenders to consider your assets in place of traditional income verification. This means your savings, investments, or other assets can help you qualify even if your business income varies. These loans can provide stability and confidence during the mortgage process, making homeownership more accessible for entrepreneurs like you. Learn more about how asset depletion programs...

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Self-Employed and getting a mortgage?

Written by Key West Mortgage Syndicated User on . Posted in Florida Keys Mortgage, Mortgage Florida Keys.

Are you self-employed and wondering how to qualify for a mortgage? ? Many lenders require traditional proof of income, but that’s tough if you don’t have a W-2. Here’s what you should know: • Bank statement loans let you use your business bank statements instead of tax returns to prove income. • These programs can require as little as 12 months of statements. • They suit freelancers, business owners, and anyone with fluctuating income. Florida residents can benefit from specialized mortgage options tailored for self-employed borrowers. Visit fidelityhomegroup.com or reach out softly to...

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