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Author: Florida Home Loans

Why Is My Mortgage Escrow Account Sending Me a Check?

After years of faithfully making your mortgage payments, you might be surprised to receive a check in the mail from your escrow account. If you don’t remember much about escrow
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What Happens When a Title Search Uncovers a Problem?

A title search is a crucial part of the home-buying process. It ensures that the seller has the legal right to transfer ownership and that no outstanding issues, like liens
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What Is a Convertible Adjustable-Rate Mortgage?

If you are in the market for a home loan, an adjustable-rate mortgage may be very attractive in today’s higher rate climate. So, if you’ve looked into ARM loans, you
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What is a Refinance Break-Even Point?

When market interest rates are lower than your current mortgage rate, it often makes sense to refinance into a new home loan to take advantage of the savings from lower
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What is an Assumable Mortgage?

There are many ways to structure a loan for buying a home. One lesser-known way is with an assumable mortgage. Here’s what that means and how it works: What is
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What is Mortgage PITI?

As you go through the mortgage process, you may encounter the acronym PITI in some of your documents. No, this does not mean your mortgage company is taking “pity” on
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What do Appraisers Consider When Valuing a House?

As you begin the process to get a new mortgage, whether for a home purchase or a refinance loan, your lender will order an appraisal for the property to determine
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Should You Stay in Your Home Or Rent in Retirement?

Your home is probably one of your most valuable assets, especially if you’ve been there for many years. As you near retirement age, you may ask yourself, would it be
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Should You Help Your Kids Pay for Their Mortgage?

According to a recent survey, almost a quarter of millennials and Gen Z homeowners said their parents had given them money in the past year to help with a rent
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How to Buy a Vacation Home in 5 Steps

Buying a vacation home can be a great way to spend time in the place you love and save money over time on lodging fees. Here are 5 important steps
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