Buying Florida

1.Loan amounts have increased in Florida for 510,400

• What does that mean in terms of higher purchase price
• With homes prices going up how does that help

2.FHA 203k - increasing the streamline from 35,0000 to 50,000

3. What is going on with the 3% down programs

4. Bad credit - what are your options?

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1. Shopping rates and your bank gives you a rate that is incredible

• Did they get a CD
• Did they deliver on what was quoted
• Were you able to speak to them during the process
• Did you get what you were told? Did you understand it
• Time to go to closing, did you make it on time?
• What lessons to learn from that

2. The vibe! Do you have it

• have you been referred by someone such as a realtor, banker, coworker, family member
• now for the  vibe, do you have good energy level with the person you are dealing with and at the same time did you learn from them
• you cant get to second base without taking your foot off of first

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Didier and David discuss:

1. What type of financing
2. Ordering a home inspection
3. Ordering appraisal
4. Ordering title
5. Ordering insurance
6. Ordering survey
7. Ordering pest inspection
8. Doing a walk thru
9. Wiring funds

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• I Buy and Big Tech Buyers
• Mortgage Rates and Refinancing
• Dunedin, Florida area

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This episode welcomes a guest co-host, Florida Realtor, David Zusman and covered in this episode is:

Buyers Hesitations - Concerns of a Recession

Flipping a Property

Is it a Good Time to Purchase a Home

Recommendations for Buyers When it Comes to Offers

The Importance of a Pre-Approval Letter

What's Happening in the Month of October - Inventory

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1. Do you shop online?
2. Do you go with a referral, someone in the community?
3. Is it from a realtor, friend, or someone from your work
4. What are questions to ask when getting rates and costs
5. Are they 9 to 5 and does it matter?
6. Will they attend the closing? Is there any value to that?
7. Is ti a one time deal or a partner for life?

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1. How much down do you need?
2. Fund down for fha, va, conventional and non qm loans
3. Down payment assistance - how does that work
4. Where are the funds coming from
5. The ground - pillow - 
6. Gift from a family member
7. 401k
8. Checking, savings, stocks?
9. Seasoning - what does that mean
10. How can you preplan in order to purchase a home
11. Weird deposits, is that good?

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1. Downpayment - what is available
2. Down payment assistance
3. Borrower from your 401k
4. Gift of funds from a family
5. Funds have to be paper trailed
6. Seasoning for 2 months

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1. Graduating high school - what do you do?
2. Bad things happen to good people , what do you do?
3. What causes low credit scores and what can you do?
4. How does the credit score scale work?
5. Does it affect the rate and your monthly PMI if you put less than 20% down?

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