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  • Category Archives: Blog

    FLORIDA DOWNPAYMENT HOUSING ASSISTANCE

    We at Florida State Mortgage Group, Inc in conjunction with various local government entities are very pleased to be able to cooperatively offer down payment assistance funds to qualified borrowers. We are currently offering downpayment assistance funds in numerous cities within Broward, Palm Beach and Orange Counties. Additionally, we may be able to identify assistance […]

    FLORIDA HAZARD AND FLOOD INSURANCE

    One very major expense consideration in a home purchase is the associated hazard insurance. Your mortgage lender should have the contacts to assist you in obtaining competitive premium rate quotes. We at Florida State Mortgage Group, Inc typically will request quotes from at least 3 separate insurance agents. This process has resulted in significant savings […]

    CREDIT REPORT SCORES

    Customers quite frequently are reluctant to have us obtain their credit reports on an initial inquiry for fear that multiple inquires will result in lowering their credit score. FALSE. Mortgage credit inquires do not impact a borrower’s credit scoring.  We can pull the borrower’s credit reports multiple times a day for several days and it […]

    MORTGAGE INTEREST RATES AND THE HIDDEN IN PLAIN SIGHT LENDER FEES

    Mortgage interest rates are very typically confusing to most borrowers.  They see a rate advertised and think that’s a deal.  They rarely are made aware of what may be required to secure that rate. The first rule is one of the oldest and most common rules in consumer history; if it looks too good to […]