Buying Florida
Didier Malagies is a leader in the Tampa Bay Mortgage industry, serving Pinellas, Pasco, Hillsborough counties, and beyond with his sights set on educating residential and commercial buyers regarding Florida purchases. With over 20 years of expertise, Didier has built relationships with realtors, bankers, and clients based on integrity and his drive to provide the best customer experience in the state by being there from beginning to end of every purchase.
Whether you're looking to move, invest, start a business or expand, Didier will share everything you need to know on his show every week.
Didier Malagies nmls#212566/DDA Mortgage nmls#324329
Episodes
309 episodes
Frequently asked questions regarding job history and funds to close on a mortgage
Are you a salaried employee, hourly, self-employed, or a contractor?Do you receive bonuses, commissions, or overtime? How consistent is that income?Can you provide recent pay stubs, W-2s, or tax returns?Self-Employment (...
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Season 6
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Episode 16
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3:51
Rates! Rates! Rates! is it time to refinance your mortgage
With the recent dip in mortgage rates, you might be contemplating whether refinancing your mortgage is a prudent move. Currently, the average U.S. rate for a 30-year fixed mortgage stands at approximately 6.64%, marking the second consecutive w...
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Season 6
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Episode 15
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4:12
Which loan product is better for you if you have lower credit scores when buying a home
1. FHA Loan (Federal Housing Administration Loan)Credit Score Requirement: As low as 500 (with 10% down) or 580+ (with 3.5% down).Best For: First-time homebuyers and those with lower credit.Pros: Low down payment, flexib...
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Season 6
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Episode 14
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3:58
Where are interest rates today and what do you think will happen
As of March 24, 2025, the Federal Reserve has maintained the federal funds rate at a target range of 4.25% to 4.50%. This decision reflects the central bank's ongoing efforts to balance economic growth with inflation control. Looking a...
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Season 6
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Episode 13
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3:37
Warrantable and Non-Warrantable Condos
The difference between warrantable and non-warrantable condos primarily relates to whether a condominium project meets the eligibility requirements set by Fannie Mae, Freddie Mac, or other government-backed entities like the FHA (Federal Housin...
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Season 6
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Episode 12
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4:54
What is happening with Ai and mortgage origination
AI is transforming the mortgage industry in several ways, making processes faster, more efficient, and more customer-friendly. Here are some key impacts:1. Streamlining Loan Origination & UnderwritingAI-powered algorithms can qu...
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Season 6
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Episode 11
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7:48
What is a Reverse Mortgage
A reverse mortgage is a type of loan available to homeowners aged 62 and older that allows them to convert part of their home equity into cash. Unlike a traditional mortgage, where the homeowner makes monthly payments to a lender, a reverse mor...
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Season 6
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Episode 10
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4:40
What are all the disclosures that come to you during the loan process
When you apply for a loan, you receive several important disclosures that outline key terms, costs, and your rights as a borrower. These disclosures are required by law to ensure transparency and help you make informed decisions. Here are some ...
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Season 6
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Episode 9
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3:59
Using rental income only to qualify for a mortgage
A DSCR loan (Debt-Service Coverage Ratio loan) is a type of real estate investment loan primarily used for income-producing properties. It evaluates a borrower’s ability to repay the loan based on the cash flow generated by the property rather ...
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Season 6
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Episode 8
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6:09
Offering second mortgages on primary, secondary and invrstment properties
A second mortgage is a loan taken out against a property that already has an existing mortgage. It allows homeowners to tap into their home equity, which is the difference between the home's market value and the amount owed on the primary mortg...
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Season 6
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Episode 7
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3:48
How to increase your credit score with a rapid rescore
A rapid rescore is a service offered by lenders to quickly update your credit report with the latest information, potentially improving your credit score in a matter of days rather than waiting for the usual reporting cycle. Here’s how it works...
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Season 6
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Episode 6
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4:34
10% down and possible to get an appraisal waiver
An appraisal waiver with Fannie Mae (FNMA) is part of their Desktop Underwriter® (DU®) system. It allows eligible borrowers to bypass the need for a traditional home appraisal as part of the mortgage approval process. This can save time, money,...
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Season 6
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Episode 5
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2:50
Isn't it time to get prequalfied for a mortgage
1. Assess Your Financial HealthCredit Score: Check your credit score (usually 620 or higher is required, though higher scores get better rates).Debt-to-Income Ratio (DTI): Calculate your monthly debt payments compared to your gross mont...
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Season 6
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Episode 4
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5:34
Is it the right time to buy now
Down Payment & Savings: A larger down payment can reduce your loan size and help lower the impact of higher interest rates. If you have substantial savings, it could make sense to buy now, as you’ll likely have more equity and lower monthly...
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Season 6
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Episode 3
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4:10
Eliminate your home sales contingency?
What if you had access to a solution that allows your clients to eliminate their home sales contingency? They could make non-contingent or cash offers on a new home, while also removing their current mortgage payment from qualification. This wo...
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Season 6
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Episode 2
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2:29
working with small businesses is so important and when it comes from a realtor, that is key
Working with small businesses in your community is a great way to build local relationships, foster economic growth, and contribute to the development of the area. Here are several ways you can collaborate and support small businesses:1...
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Season 6
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Episode 1
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6:19
Are you having diffuclty qualifying for a mortgage, let me help
To structure your loan effectively and qualify for a mortgage, there are several steps you can take to improve your financial situation and increase the likelihood of approval. Here’s a comprehensive guide:1. Check Your Credit Score...
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Season 5
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Episode 52
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3:49
Not all questions are being answered on the condo questionnaire which is creating a major problem
A condo questionnaire is a critical document that lenders use during the mortgage approval process for condominium purchases. It provides detailed information about the condo complex's financial health, rules, regulations, and overall condition...
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Season 5
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Episode 51
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3:29
Which is better to close in December or January for the property taxes
Closing in December:Tax Deduction for Current Year:If you close in December, you may be able to deduct property taxes and mortgage interest on your current year’s tax return. This can reduce your taxable income and potentially lower...
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Season 5
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Episode 50
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2:36
What is my prediction for interest rates in 2025
Predicting interest rate movements in 2025 depends on various economic factors, including inflation, employment trends, central bank policies, and global financial conditions. Here's a general overview:Key Factors Affecting Interest Rat...
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Season 5
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Episode 49
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4:44
WE can close your loan in December
We can close your loan in December, we need just a min of 2 weeks and we all work togetherloan application takenappraisal ordereddocuments uploaded,title work orderedinsurance chosenWe can make it happen based on tea...
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Season 5
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Episode 48
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2:51
what happens with lower appraised values on FHA, Conventional, and
When a property appraisal comes in lower than the agreed-upon purchase price, it can complicate financing for the buyer. Here's what typically happens for FHA, Conventional, and VA mortgages:1. FHA MortgagesImpact of a Low Appraisal...
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Season 5
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Episode 47
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4:24
Small Business Emergency Bridge Loan
The Florida Small Business Emergency Bridge Loan Program is a state-funded short-term loan program that provides immediate, temporary assistance to small businesses impacted by a disaster, such as hurricanes, floods, or other emergencies. Admin...
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Season 5
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Episode 46
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3:51
1% down to purchase a home with the lender giving you 2% down, tune in
Lender's 1% Down Payment program is designed to make homeownership more accessible for eligible first-time buyers by lowering the upfront costs typically required for a mortgage. Here's a breakdown of how the program generally works:How...
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Season 5
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Episode 45
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3:57
No money down on a home if your present home has been affected by the hurricane
The FHA 203(h) program is a Federal Housing Administration (FHA) loan specifically designed to help people affected by natural disasters, like hurricanes, purchase or rebuild a home. It provides an accessible way for victims of federally declar...
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Season 5
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Episode 44
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4:26