• HOME
  • BLOG

(813) 928-9610

(813) 928-9610

Green Telephone Icon

​ARM Loan Financing – Everything You Must Know

Derek Bissen, May 12 2022

Have you ever heard of a ARM loan and thought, “what is that?”  Keeping it simple, AN ARM LOAN IS SHORT FOR ‘ADJUSTABLE RATE MORTGAGE”.  ARM loans can be an extremely useful financial tool in certain circumstances. In this article we’ll cover the fundamentals so you will have a full understanding of how this type of home loan works, so you can...

Read More

2022 Changes in Condominium Financing for Conventional Loans, and Some Great Alternatives!

Derek Bissen, November 19 2021

​On January 1, 2022, Conventional Financing will be changing with respect to financing of Condominiums. The change applies to all Conventional loans across the board, regardless of the lender, bank or credit union offering this type of financing. You see, Condominiums are a unique property type when it comes to mortgage financing.  Unlike other...

Read More

​​Cannabis Home Loans for Self-Employed Business Owners in the Cannabis Industry

Derek Bissen, September 12 2021

​If you’re in the cannabis industry, you’ve likely faced adversity when looking for financing. Traditional lenders don’t lend to anyone in the Schedule 1 category, including cannabis sellers, growers and other businesses in the supply chain. This often leaves cannabis self-employed business owners without the financing they need including a...

Read More

​Maximize your Cash Out Refinance with a COMBO Loan

Derek Bissen, September 1 2021

Are you considering refinancing your home to save money, do some home improvements or consolidate bills?  These days, it can be a really smart move, especially with home values trending upwards. Putting your home equity to work requires financing, and usually the first choice for most homeowners is a fixed-rate Conventional mortgage.  The...

Read More

What is an Earnest Money Deposit?

Derek Bissen, August 25 2021

It's a check or sometimes a wire that is sent to the title company, not your lender, but through the title company in the transaction. The title company holds on to those funds throughout the transaction, and on the day of closing, it's released to the buyer. It might help to think of an Earnest Money Deposit sort of like a "down payment on your...

Read More

Meet the 10 Parties Involved in Most Real Estate Transactions

Derek Bissen, August 13 2021

Whether you're buying a home or selling a home, it takes a village to successfully pull off a real estate transaction.  Most people are aware of the top 3, but there can be as many as 10 parties in a typical transaction.  There can actually be more than ten. 1.  BUYERS & SELLERS - this is a given, but technically, they're the most important....

Read More

Title Companies - The Most Common Business in Florida Real Estate Transactions

Derek Bissen, August 12 2021

​What’s the most common business in Florida real estate transactions?  Is it: If you guessed Title Insurance Companies—​congratulations, you're correct!  (and yes, the title of the post kinda gave away the answer) A Title Insurance Company is a business that’s at the very center of ​nearly ​every single real estate transaction, ​whether it's a...

Read More

VA Q&A - Top 5 Questions about VA Appraisals

Derek Bissen, August 4 2021

VA appraisals are a type of home appraisal performed by a licensed Appraiser. They're very similar to a standard real estate appraisal report you'd expect to see on a Conventional Home Loan or FHA Home Loan.  To be eligible to perform a VA Appraisal, a licensed appraiser is required to obtain a special certification, over and above their normal...

Read More


Derek Bissen, July 27 2021

Whether you're making your payments, you're in deferment, Income-Based Repayment (IBR), or even if you're in Forbearance, student loans will have an impact on your home loan approval. How much or how little? That depends on your exact situation, but here is everything you need to

Read More

Marital Status and Florida Real Estate

Derek Bissen, July 27 2021

Whether you're single, married, divorced, separated or widowed, your marital status plays an important part in obtaining financing here in the state of Florida.  It's one of the questions on the Uniform Residential Loan Application that every mortgage lender uses, from coast to

Read More