Didier Malagies

Buying Florida

Business EN ↓ 392 episodes

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. D...

Be sure to visit the podcast's website and support the creator: www.ddamortgage.com

Author

Didier Malagies

Episodes

saving money on lower rates what about the pmi and insurance 31.08.2020 10:05

can we get rid of the pmi or lower it what about your insurance, have you been watching it annually https://ddamortgage.com didier malagies nmls#212566 dda mortgage nmls#324329 Support the show

rates going up on refinances, why and what about the disclosures being sent out 24.08.2020 3:14

fhfa increase fees a .5 what does that mean in terms of rate will it differ from purchases disclosures from the lender is it different than from title and what we did originally https://www.ddamortgage.com didier malaiges nmls#212566 dda mortgage nmls#324329 Support the show

should I lock in my interest rate now? 17.08.2020 11:25

what happened last April when the market crashed 38% rates at 21 days, 30 , 45 and 60 days negative rates in the future? my recommendation to you https://www.ddamortgage.com didier malagies nmls#212566 dda mortgage nmls#324329 Support the show

time frame for a purchase and a refinance 10.08.2020 15:24

what time frames are there difference and which one takes more precedence refinance - rate term or a cashout how about self-employed https:///www.ddamortgage.com didier malagies nmls#212566 dda mortgage nmls#324329 Support the show

Self Employed getting a mortgage 03.08.2020 9:02

purchase and a rate term refinance cahs out refinance being self employed first payment default - what happens what extra documentation is needed https://www.ddamortgage.com didier malagies nmls#212566 dda mortgage nmls#324329 Support the show

are you able to get a hold of your loan officer in the evening and on weekends? 27.07.2020 11:31

are you getting the service people answering your calls in the evening and or on weekends can you get a prequal out when there are multiple offers questions that need to be answered https://www.ddamortgage.com didier malagies nmls#212566 dda mortgage nmls#324329 Support the show

how has it changed since April 1st when Covid came to town 20.07.2020 10:32

changing guidelines daily keeping up with all the changes processing and underwriting exhausted and frazzled with each day team work https:///www.ddamortgage.com didier malagies nmls#212566 dda mortgage nmls#324329 Support the show

loans outside the box 13.07.2020 8:21

what happened when Covid hit what are loans outside the box what is available for nonqm bank statements for income vs tax returns what happened to most the non qm lenders over the last 2 months https://www.ddamortgage.com didier malagies nmls#212566 dda mortgage nmls#324329 Support the show

2 people buying a home and one has lower credit scores, what do you do? 06.07.2020 15:47

2 people buying home, what strategies are there lower credit scores what to do not buying new cars, opening up new credit cards no vacations during loan process https://www.ddamortgage.com didier malagies nmls#212566 DDA Mortgage nmls#324329 Support the show

is the loan process getting harder and are they tightening up? 29.06.2020 15:24

is the process tightening up still what about the self employed ratios and credit getting tighter disclosures that go out in the loan process correct you need a think tank to get get thru it put it in neutral and when upset https://www.ddamortgage.com didier malagies nmls#212566 DDA Mortgage nmls#324329 Support the show

what happens when you get your credit report pulled? 22.06.2020 7:56

applying for a mortgage and getting credit pulled? who is calling you? how do they get your information? is it legal? how can this be happen https://www.ddamortgage.com didier malagies nmls#212566 dda mortgage nmls@324329 Support the show

giving back to your community 15.06.2020 9:19

doing business in your community realtors, loan officers, title, insurance restaurants, retail stores by giving business to them, they in turn have money to give business to you do a google search, check out their reviews and keep it inside https://www.ddamortgage.com Support the show

reverse mortgages 09.06.2020 9:41

what age do you have to be what options do you have is there an equity line and how does it compare to a bank equity line no payments get payments draw on a line https://www.ddamortgage.com Support the show

If oil can go to -38 a barrel what can happen to rates? 04.06.2020 12:28

how to make sure if that day comes you have everything ready continuing to make your mortgage payments anything can happen if oil can go -38 what can rates maybe do one daye https://ddamortgage.com Support the show

what are rates and what do i need to know 02.06.2020 11:17

does credit score affect rates loan amount, loan to value what type of property purchases vs refinances and how about cash out rate locks, are you under contract? https://www.ddamortgage.com Support the show

random - things you need to know 25.05.2020 15:22

why use a mortgage broker things you need to know when applying for a loan dont buy a new car dont get new credit cards dont do anything without checking with us dont change jobs alot more tune in for 15 minutes of knowledge https://www.ddamortgage.com Support the show

refinance cash out on the self employed 18.05.2020 11:14

what is happening on refi cash out is fnma/fhmc not buying them on a forebearance? higher rate higher reserves lower income need business bank statement tune in https://www.ddamortgage.com Support the show

Overlays Overlay Overlays 12.05.2020 16:08

self employed what is happening credit scores are going up reserves are going up higher ltv what is happening with cash out refinances https:www.ddamortgage.com Support the show

can i lock in my rate upfront and is it higher than floating? 27.04.2020 11:02

what lender does what when locking in a rate are they lower if you float when can you lock in is there a difference between a purchase and a refinance https://www.ddamortgage.com/blog Support the show

is it tightening up to get a mortgage? 21.04.2020 15:26

are credit scores going up more reserves needed extra work to do on the file verification of employment needed at closing as well as a verbal what is happening https://www.ddamortgage.com/blo https://youtu.be/uY_RpHEJt80 g Support the show

how is the mortgage processing being affected, what changes are happening and who left the industry 16.04.2020 18:38

What is happening to the loan process Present pipeline New loans on purchases Status on refinances How has the changes affecteTitle/appraisals/home inspectors/insurance/underwriters/processors Who left the industry so far Status of what is to come in clearwater, largo, palm harbor https://www.ddamortgage.com/what-is-all-going-on-with-the-mortgage-transaction-and-who-left-the-industry Support th...

Should I make my mortgage payments 13.04.2020 3:45

is there ramifications for not making a mortgage payment is there a 90 day pass? what happens to the loss in payment how does it affect you how does it affect the lenders who pays for it how will it affect you to refinance www.ddamortgage.com/blog Support the show

is it Time to cash out, consolidate debt, lower your monthly payments during this unprecedented time 30.03.2020 15:59

Refinancing is the right time Rates went down , shot up and now what What can you do with the situation going on with the virus What is the purpose of refinancing What can you get from a refinance Tap the equity on your home please visit my website www.ddamortgage.com/blog Support the show

Mortgage rates, what is going on with the Fed cuts, is it time 23.03.2020 12:50

What is going on with Mortgage rates? What just recently happened with rates going down and then up Fed cuts rates , what happens to our rates Where are we headed for the remaining 2020 What is going on today For more helpful tips please see my blog www.ddamortgage.com/blog Support the show

NO closing cost loans, how do they really work. 12.03.2020 12:43

No closing cost loan What does that mean? What is sometimes deceptive on the no closing cost loan How does it work Is it really free What is a better plan of attack on a no closing cost loan You can also watch our video blog at www.ddamortgage.com/blog Support the show