Real Estate Finance News - Debbie Cooley Mortgage

Understanding the Homestead Exemption in Florida

Debra Cooley-Guy — Fri, 01 Dec 2023 14:53:45 +0000

Owning a home is a significant milestone in anyone’s life, and for Florida residents, the Homestead Exemption offers a valuable financial benefit that can make the dream of homeownership even more attainable. In this blog post, we’ll explore the Homestead Exemption in Florida, its benefits, and how it can impact your financial well-being.

What is the Homestead Exemption?

The Homestead Exemption is a legal provision in Florida that offers homeowners a reduction in the assessed value of their primary residence for property tax purposes. This exemption is designed to provide financial relief to homeowners and encourage property ownership. The primary residence, also known as the homestead, must be the owner’s permanent and legal residence as of December 31st of the tax year.

Benefits of the Homestead Exemption:

Property Tax Savings: The Homestead Exemption can lead to significant savings on property taxes. The exemption allows for a reduction in the assessed value of the homestead, resulting in lower property tax bills.
Protection from Creditor Claims: Florida’s Homestead Law provides protection from certain creditor claims, making it a valuable tool for safeguarding your home in times of financial difficulty. This protection extends to the homeowner’s spouse and heirs, offering peace of mind and security.
Portability: For those looking to upgrade or downsize their homes, the Homestead Exemption in Florida allows for portability. This means that homeowners can transfer their accrued Save Our Homes benefit to a new homestead, limiting the increase in property taxes on the new property.

How to Apply for the Homestead Exemption:

To enjoy the benefits of the Homestead Exemption, homeowners must apply with their county property appraiser’s office. The application period usually opens in early January, and the deadline is typically March 1st. Applicants must provide documentation to prove their eligibility, including proof of residency and, in some cases, additional information.

If you’re a Florida homeowner or aspiring to become one, taking advantage of the Homestead Exemption is a smart financial move. Not only does it offer immediate property tax relief, but it also provides long-term benefits by protecting your home and offering portability options.

To learn more about the Homestead Exemption and how it can impact your mortgage and financial situation, visit my website at DebbieCooleyMortgage.com. As a seasoned mortgage professional, I can guide you through the intricacies of homeownership in Florida and help you make informed decisions for a secure financial future.

Conclusion:

The Homestead Exemption in Florida is a powerful tool for homeowners, providing both immediate and long-term financial benefits. Whether you’re a current homeowner or considering purchasing a home in the Sunshine State, understanding and leveraging the Homestead Exemption can contribute to your financial well-being. Don’t miss out on this opportunity to unlock financial freedom and protect your most valuable asset – your home. Visit

DebbieCooleyMortgage.com for personalized guidance on navigating the mortgage landscape in Florida.

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REVERSE MORTGAGE USED FOR DREAM HOME PURCHASE

Debra Cooley-Guy — Mon, 11 Sep 2023 22:18:20 +0000

Reverse Mortgage is a strategic tool that allows adults 62 and over to increase their buying power for the purchase of their new dream home while eliminating required monthly mortgage payments.

Move closer to family and loved ones
Buy on the beach, the golf course, or wherever your dreams take you
Downsize to reduce cleaning and maintenance needs
Increase buying power for a home previously out of reach
Eliminate your monthly mortgage payments
Improve cash flow and preserve savings
Heirs not personally responsible for the loan balance

Learn how Reverse for Purchase can elevate your home-buying opportunities.

Call Debbie Cooley-Guy at 727-688-2851

Debbie Cooley Mortgage | NMLS #836635

Debbie Cooley Guy, Loan Originator NMLS #210817

Equal Housing Lender

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WHY MORE FINANCIAL ADVISORS ARE RECOMMENDING REVERSE MORTGAGES

Debra Cooley-Guy — Fri, 14 Jul 2023 15:18:30 +0000

Over several decades, reverse mortgages have gone through an evolution of policy and legislative changes that incorporate key protections for borrowers. Thanks to improved regulations and education and a changing financial landscape, these financial tools, once considered questionable by many financial advisors, are now getting a second look.

Here’s what financial advisors see in reverse mortgages that have made them change their minds and start recommending them to their clients.

Safer Than Ever

In the past, multiple factors, including terms that didn’t advantage the borrower, consumer confusion, and a lack of guide rails, led to a poor reputation in the financial community that has been difficult to shake. However, over the past thirty years, multiple safeguards have been implemented to ensure these loans are not used improperly and that borrowers benefit. Here are some of the most notable changes.

Government-insured. In 1987 the Federal Housing Authority (FHA) passed legislation to insure home equity conversion (HECM) mortgages. This legislation also made reverse mortgages non-recourse.
Increased transparency. Later legislation required lenders to reveal the total annual costs of a reverse mortgage loan.
Borrower education. Since 1998, all reverse mortgage borrowers have been required to participate in third-party counseling to ensure they understand reverse mortgage obligations.
Lender awareness. Lenders must conduct a financial assessment before offering a reverse mortgage to determine if a homeowner can keep up with home maintenance costs, property taxes, and home association dues.
Limited available equity. Before 2013, borrowers were allowed to take 100% of their proceeds at closing. Current legislation mandates that borrowers can take out only 60% of available funds during the first year.

Client Needs Are Changing

One possible reason for the change in financial advisors’ attitudes toward reverse mortgages is a changing client profile that necessitates finding alternate ways of funding retirement.

Retirement-aged Americans are holding historically high amounts of equity, while at the same time, many people in the same group are lagging in retirement savings and planning. Many financial advisors see an avenue for closing retirement planning gaps in that excess equity. Reverse mortgages offer a safe way of tapping that equity while remaining in their homes.

Not only do reverse mortgages remove monthly mortgage payments, offering retirees the benefit of increased cash flow, but their flexible payout options support a range of strategies that financial advisors can tailor to their client’s individual needs and financial situations.

4 Ways Financial Advisors Are Using Reverse Mortgages for Their Clients

As financial advisors begin to understand the flexibility and opportunities reverse mortgages offer their clients, they are finding more ways of leveraging them to their client’s advantage. The following are some of the ways financial advisors are using reverse mortgages as part of larger retirement strategies:

Fund a Roth-IRA Conversion

Converting a traditional IRA to a Roth IRA is a common strategy that requires paying taxes on the existing account balance. Retirees whose portfolios would benefit from a Roth-IRA conversion but don’t have the necessary funds to pay the taxes may use non-taxable reverse mortgage proceeds to pay for the conversion.

Hedge Against Future Risks

A reverse mortgage line of credit functions differently than a HELOC. Once established, the unutilized credit amount grows over time and cannot be canceled as long as the borrower upholds the terms of their loan. Unused credit is not charged interest. This line of credit offers future borrowing power when and if the borrower needs it. During downturns in an investment portfolio, a retiree can access available capital anytime.

Preserve Current Investment Portfolio

Market fluctuations are bound to happen, but a retiree can preserve an investment portfolio with loan proceeds from a reverse mortgage. Using proceeds as an income alternative, retirees retain the benefit of watching their portfolio grow. The retiree leaves the portfolio alone, allowing it to rebound with the market potentially.

Allow Retirees to Age in Place

Having a reverse mortgage is a feasible option to allow retirees to age in place. Retirees can use their homes as assets and leverage the equity to skip monthly payments, use loan proceeds for daily expenses, or fund necessary renovations.

The Reverse Mortgage Recommendation Catch-22

As reverse mortgages help more and more people achieve their financial goals, their reputation continues to improve. But because financial advisors are keen to protect the interests of their clients, many have been slow to even investigate reverse mortgages as a possibility. Without the input of their financial advisors, many people who could benefit don’t learn about opportunities they may have for using their equity to their advantage. This reverse mortgage Catch-22 is slowly correcting itself as the industry’s reputation improves.

If you think a reverse mortgage might help you and your financial advisor hasn’t brought it up, ask! You may be opening a door of possibility for yourself and others who find themselves in a similar situation.

This article is intended for general informational and educational purposes only, and should not be construed as financial or tax advice. For more information about whether a

reverse mortgage may be right for you, you should consult an independent financial advisor. For tax advice, please consult a tax professional. To find out how to use your home equity to live your best life call Debbie Cooley-Guy at 727-688-2851.

Debbie Cooley Mortgage | NMLS #836635

Debbie Cooley Guy, Loan Originator NMLS #210817

Equal Housing Lender

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MONEY FOR FIRST-TIME HOME BUYERS

Debra Cooley-Guy — Thu, 22 Jun 2023 14:01:14 +0000

The Florida Hometown Heroes Housing Program makes homeownership affordable for eligible community workforce. The Florida Hometown Heroes Housing Program

This program provides down payment and closing cost assistance to first-time, income-qualified homebuyers so they can purchase a primary residence in the community where they work and serve. The Florida Hometown Heroes Loan Program also offers a lower first mortgage interest rate and additional special benefits to those who have served and continue to serve their country.

Program Details:

Eligible full-time workforce, employed by a Florida-based employer can receive lower than market interest rates on an FHA, VA, RD, Fannie Mae, or Freddie Mac first mortgage, reduced upfront fees, no origination points or discount points, and down payment and closing cost assistance.
Borrowers can receive up to 5% of the first mortgage loan amount (maximum of $35,000) in down payment and closing cost assistance.
Down payment and closing cost assistance are available in the form of a 0%, non-amortizing, 30-year deferred second mortgage. This second mortgage becomes due and payable, in full, upon sale of the property, refinancing of the first mortgage, transfer of the deed, or if the homeowner no longer occupies the property as his/her primary residence. The Florida Hometown Heroes loan is not forgivable. Call Debbie @ Innovative Mortgage DBA Debbie Cooley Mortgage.

Debbie Cooley-Guy is an excellent resource for any of your mortgage needs from the first-time home buyer to the last mortgage of a lifetime. Call Debbie @ 727-688-2851

for a free consultation.

Debbie Cooley Mortgage | NMLS #836635

Debbie Cooley Guy, Loan Originator NMLS #210817

Equal Housing Lender

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Unlocking Dreams

Debra Cooley-Guy — Sat, 03 Jun 2023 01:04:32 +0000

Unlocking Dreams: How Kathy Used a Reverse Mortgage to Purchase a Cabin in NC for Her Daughter

In today’s ever-changing financial landscape, individuals are exploring innovative ways to leverage their assets and secure their future. One such option gaining popularity is a reverse mortgage. This financial instrument allows homeowners, typically seniors, to tap into the equity of their homes and convert it into cash. In this blog, we will delve into the inspiring story of Kathy, who utilized a reverse mortgage to fulfill her daughter’s dream of owning a cabin in beautiful North Carolina. A reverse mortgage is for more than just paying bills.

Before we dive into Kathy’s journey, let’s briefly understand what a reverse mortgage entails. A reverse mortgage is a loan available to homeowners aged 62 or older, enabling them to convert a portion of their home’s equity into tax-free funds. Unlike a traditional mortgage, where homeowners make monthly payments to the lender, a reverse mortgage allows homeowners to receive payments from the lender instead.

Kathy, a vibrant and caring mother, had always dreamed of giving her daughter, Emily, a place to retreat and create lasting memories with her own family. However, Kathy’s retirement savings were limited, and she didn’t have the necessary funds to make this dream a reality. After conducting extensive research, Kathy discovered that a reverse mortgage could be the solution she was seeking.

Kathy is actually a friend of mine. We were out to lunch and she was joking about how her daughter is waiting on her to pass away, so she can sell her home and buy a cabin in North Carolina. Together, we examined her financial situation and determined that her home’s equity made her eligible for a reverse mortgage. I outlined the various payment options available, including a lump sum, monthly installments, or a line of credit. After careful consideration, Kathy chose a lump sum payment that would enable her to purchase the cabin outright.

With the funds from the reverse mortgage in hand, Kathy embarked on a journey to find the perfect cabin for her daughter and her family. After exploring various locations, they settled on a charming cabin nestled amidst the picturesque mountains of North Carolina. The serene surroundings, scenic beauty, and proximity to outdoor activities made it an ideal spot for creating cherished memories.

The decision to purchase the cabin with the reverse mortgage had a profound impact on both Kathy and Emily. Kathy, thrilled to see her daughter’s dream come true, felt a sense of accomplishment and joy in providing a special place where her family could come together and forge lasting bonds. For Emily and her family, the cabin became a cherished getaway, offering respite from the demands of daily life and creating cherished memories for generations to come.

While Kathy’s story showcases the positive outcomes of using a reverse mortgage to purchase a cabin, it is essential to consider certain factors before taking this financial step. Consulting with a reputable lender, like Debbie Cooley Mortgage and understanding the terms conditions, and assessing one’s long-term financial goals are vital steps in making an informed decision.

Conclusion:

Kathy’s journey is a testament to the possibilities that a reverse mortgage can unlock. By utilizing her home’s equity, she fulfilled her daughter’s dream of owning a cabin in North Carolina, creating a haven where cherished memories will be made. The reverse mortgage allowed Kathy to leverage her assets and provide a legacy for her family, showcasing the power of financial innovation in enabling dreams to become a reality. Call Debbie at Debbie Mortgage to find out more: 727-688-2851

#ReverseMortgage #FinancialInnovation #HomeEquity #DreamHome #CabinLife #FamilyLegacy #NorthCarolina #RetirementPlanning #FinancialFreedom #MakingDreamsComeTrue #SeniorCitizens #RealEstateInvestment #RetirementSolutions #GenerationalWealth #CreatingMemories

Debbie Cooley Mortgage | NMLS #836635

Debbie Cooley Guy, Loan Originator NMLS #210817

Equal Housing Lender

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“5 Ways to Finance Generational Housing: From Traditional Mortgages to Creative Solutions”

Debra Cooley-Guy — Wed, 10 May 2023 18:42:20 +0000

As people age, it is common for families to consider generational housing, which involves multiple generations living together in the same household. However, financing generational housing can be challenging, as it often involves significant upfront costs and ongoing expenses. In this blog, we will explore some of the best ways to finance generational housing, including traditional mortgage options and creative solutions.

Traditional Mortgages

One of the most common ways to finance generational housing is through a traditional mortgage. This involves borrowing money from a lender to purchase the property and paying it back over time, typically with interest. However, obtaining a mortgage for generational housing may require more documentation and a higher credit score than a standard mortgage. It is also important to consider the ongoing expenses of maintaining the property and paying property taxes and insurance.

Multigenerational Mortgages

A multigenerational mortgage is a specialized type of mortgage designed for families who want to purchase a home together. These mortgages often allow multiple borrowers to be on the loan, which can make it easier to qualify for financing. Additionally, multigenerational mortgages typically have lower down payment requirements and flexible income and credit requirements. This type of mortgage can be an excellent option for families looking to finance generational housing.

Home Equity

Another option for financing generational housing is to use home equity. Home equity is the difference between the value of your home and the outstanding balance on your mortgage. If you have significant equity in your home, you may be able to use it to finance a new property or renovate your existing home to accommodate multiple generations. Home equity loans typically have lower interest rates than other types of loans, making them an attractive option for financing.

Co-living Arrangements

Another creative way to finance generational housing is through co-living arrangements. Co-living involves multiple families or individuals sharing a single property and splitting the expenses. This can be an excellent option for families who want to save money on housing costs while still enjoying the benefits of living together. Additionally, co-living arrangements can provide social and emotional support, which can be beneficial for people of all ages.

Government Programs

Finally, there are several government programs available to help families finance generational housing. For example, the Federal Housing Administration (FHA) offers a range of mortgage programs that can be used to purchase or refinance a home, including programs designed specifically for low-income families and seniors. Additionally, the Department of Housing and Urban Development (HUD) offers grants and loans to help families with home repairs and renovations.

In conclusion, financing generational housing can be challenging, but there are many options available to make it more affordable. Whether you choose a traditional mortgage, a multigenerational mortgage, home equity, co-living arrangements, or government programs, it is important to consider your unique needs and financial situation when making a decision. With careful planning and research, you can find the right financing solution for your family and enjoy the benefits of living together across generations. Call Debbie @ Debbie Cooley Mortgage at 727-688-2851.

#GenerationalHousing #MultigenerationalLiving #Mortgages #HomeEquity #CoLiving #GovernmentPrograms #FamilyFinance #FinancialPlanning #SeniorLiving #Homeownership

Debbie Cooley Mortgage | NMLS #836635

Debbie Cooley Guy, Loan Originator NMLS #210817

Equal Housing Lender

The post “5 Ways to Finance Generational Housing: From Traditional Mortgages to Creative Solutions” first appeared on Debbie Cooley Mortgage.

“Understanding the Changes in Conventional Mortgage Requirements for Condos After 2020: Insights from Debbie Cooley Mortgage

Debra Cooley-Guy — Tue, 11 Apr 2023 18:57:41 +0000

In 2020, the COVID-19 pandemic brought significant changes to the real estate market, including changes in the requirements for conventional mortgages for condos. Before the pandemic, the requirements were relatively relaxed, but after 2020, lenders began to tighten their standards to reduce risk and protect their investments.

What is a Conventional Mortgage?

First, it’s essential to understand what a conventional mortgage is. A conventional mortgage is a loan that is not backed by the government, such as a VA or FHA loan. Conventional mortgages are typically used for higher-priced properties, and lenders require a higher credit score and a larger down payment than government-backed loans.

Financial Health of the Homeowners’ Association

One of the most significant changes has been an increased focus on the financial health of the homeowners’ association (HOA) that governs the condo complex. Lenders are now requiring more detailed financial statements, including budgets, reserves, and insurance policies. They want to ensure that the HOA is financially stable and has enough money set aside to cover unexpected expenses.

Short-Term Rentals

Short-term rentals, such as those booked through Airbnb, have become increasingly popular in recent years. However, lenders are now wary of condos that allow these types of rentals. They see them as a potential liability because short-term renters may not be as invested in the community as long-term residents. Lenders may require a certain percentage of owner-occupied units before approving a loan.

Higher Reserves

In addition to reviewing the HOA’s reserves, lenders are also requiring borrowers to have higher reserves. These reserves are typically six to twelve months of mortgage payments and are designed to ensure that borrowers can continue to make payments if they experience financial hardship.

Stricter Appraisals

Lenders are now requiring more detailed appraisals of condos before approving a loan. The appraiser must evaluate not only the individual unit but also the overall health of the condo complex. They may also look at comparable sales data and consider factors such as location, amenities, and square footage.

Higher Credit Scores

Finally, lenders are now requiring higher credit scores for borrowers who want to purchase a condo. In the past, borrowers with credit scores in the low 600s could still qualify for a conventional mortgage. Now, lenders are looking for credit scores in the mid-to-high 600s or even into the 700s.

Working with a Mortgage Professional

Navigating the requirements for conventional mortgages for condos can be challenging, especially in light of the recent changes. That’s where a mortgage professional like Debbie Cooley Mortgage can help. Debbie has years of experience in financing condos and can guide you through the process, helping you find the loan that best fits your needs.

In conclusion, the requirements for conventional mortgages for condos have changed significantly since 2020. Lenders are now requiring more detailed financial statements, higher reserves, stricter appraisals, and higher credit scores. These changes are designed to reduce risk and protect the lender’s investment. If you’re considering purchasing a condo, it’s essential to be aware of these requirements and work with a lender who understands them, like Debbie Cooley Mortgage.

#ConventionalMortgage #CondoFinancing #RealEstateMarket #COVID19Impact #FinancialHealth #ShortTermRentals #Reserves #StricterAppraisals #HigherCreditScores #MortgageProfessional #DebbieCooleyMortgage #NavigatingRequirements #ReducingRisk #ProtectingInvestments

Debbie Cooley Mortgage | NMLS #836635

Debbie Cooley Guy, Loan Originator NMLS #210817

Equal Housing Lender

The post “Understanding the Changes in Conventional Mortgage Requirements for Condos After 2020: Insights from Debbie Cooley Mortgage first appeared on Debbie Cooley Mortgage.

Financially Preparing for Divorce: Managing Your Mortgage and Credit Cards”

Debra Cooley-Guy — Tue, 28 Mar 2023 16:29:59 +0000

Going through a divorce can be emotionally challenging, and it can be easy to overlook important financial considerations during the process. One area that often requires attention is your mortgages and credit cards. Here are some steps you can take to ensure that you are taking the necessary actions to protect your financial well-being before your divorce is finalized.

Assess your debts and assets: Before making any decisions about your mortgages and credit cards, it’s essential to have a clear understanding of your overall financial situation. Take an inventory of all your debts, including mortgages, credit cards, car loans, and other loans, as well as any assets you own. This information will help you determine what debts you will be responsible for and how they will be divided during the divorce proceedings.
Close joint accounts: If you have joint credit card accounts with your spouse, it’s essential to close them as soon as possible. Closing joint accounts can prevent your ex-spouse from making additional charges and potentially harming your credit score. You can also transfer the joint account balance to individual accounts, which can help you manage your debt and simplify your finances.
Freeze joint accounts: In some cases, closing joint accounts may not be possible, such as when there is a balance owed on the account. In this situation, consider freezing the account to prevent your ex-spouse from making additional charges. You can contact the credit card company or bank to request a freeze on the account until the divorce proceedings are finalized.
Consider refinancing your mortgage: If you and your ex-spouse have a joint mortgage, you may want to consider refinancing the loan in your name. Refinancing can help you Banks vs. Mortgage Brokers: Why a Mortgage Broker is the Better Choiceremove your ex-spouse’s name from the mortgage, which can help protect your credit score and simplify your finances. However, keep in mind that refinancing may not be possible if you do not have sufficient income or credit history.
Seek legal advice: Divorce can be a complicated process, and there may be legal implications to consider when dealing with mortgages and credit cards. It’s essential to seek the advice of a qualified divorce attorney who can guide you through the process and help you understand your legal rights and obligations.

#divorcefinance #financialplanning #mortgages #crediticards #protectyourcredit #divorceattorney #DebbieCooleyMortgage

Call to action:

If you’re going through a divorce and need guidance on managing your mortgages and credit cards, consider reaching out to a trusted mortgage professional like Debbie Cooley. She can help you navigate the complexities of the process and ensure that you are taking the necessary steps to protect your financial well-being. Contact Debbie Cooley Mortgage today to learn more. Call 727-688-2851

Debbie Cooley Mortgage | NMLS #836635

Debbie Cooley Guy, Loan Originator NMLS #210817

Equal Housing Lender

The post Financially Preparing for Divorce: Managing Your Mortgage and Credit Cards” first appeared on Debbie Cooley Mortgage.

SHOULD I WAIT TO BUY A HOUSE?

Debra Cooley-Guy — Wed, 22 Mar 2023 18:54:36 +0000

Buying a house is a major decision that requires careful consideration. In 2023, the housing market may be in a different place now, so it’s important to evaluate your personal and financial situation before making a decision. In this blog, we’ll explore some of the factors you should consider when deciding whether or not to buy a home in 2023.

Your financial situation

One of the most important factors to consider when buying a home is your financial situation. Do you have enough money saved for a down payment? Can you afford the monthly mortgage payments? You should also consider your other expenses, such as car payments, student loans, and credit card debt. Before buying a home, it’s important to make sure that you can comfortably afford the monthly payments and that you have a solid financial foundation. If you are paying rent over $2000 a month you should at least get pre-qualified.

The housing market

The housing market is constantly changing, and it’s important to stay up to date on trends and predictions. In 2023, the housing market may be in a different place than it is now. It’s important to research the local housing market in your area to get an idea of what prices and inventory are like. If housing prices are high and inventory is low, you may have a more difficult time finding the right home at a price you can afford.

Your future plans

Another important factor to consider when buying a home is your future plans. Are you planning to stay in the same location for the next few years? Will your job or personal situation require you to move in the near future? If you’re not sure where you’ll be in a few years, it may be better to wait.

In closing

I have worked with buyers for up to 3 years helping them get ready to purchase their first home. In some of the situations, I have helped work on getting a credit score up. Another big reason people need to wait to buy is they are self-employed.

The net income on a tax return is what the lenders use as qualifying income. A 2-year average is required.

Call Debbie Cooley-Guy at 727-688-2851 to get more information on how and when to purchase a home, whether your first or last home.

#FirstTimeHomeBuyer #HomeBuying #NewHome #RealEstate #HomeOwnership #Mortgage #HouseHunting #DreamHome #HomeSweetHome #HomeBuyingTips #FirstHome #HomeBuyer #HomeBuyingProcess #HomeBuyerJourney #HomeBuyingExperience

Debbie Cooley Mortgage | NMLS #836635

Debbie Cooley Guy, Loan Originator NMLS #210817

Equal Housing Lender

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SHOULD I WAIT TO BUY A HOUSE?

Debra Cooley-Guy — Wed, 22 Mar 2023 16:51:05 +0000

Buying a home is a major decision that requires careful consideration. In 2023, the housing market may be in a different place now, so it’s important to evaluate your personal and financial situation before making a decision. In this blog, we’ll explore some of the factors you should consider when deciding whether or not to buy a home in 2023.

Your financial situation

The housing market

Your future plans

In closing

Call Debbie Cooley-Guy at 727-688-2851 to get more information on how and when to purchase a home, whether your first or last home.

Debbie Cooley Mortgage | NMLS #836635

Debbie Cooley Guy, Loan Originator NMLS #210817

Equal Housing Lender

The post SHOULD I WAIT TO BUY A HOUSE? first appeared on Debbie Cooley Mortgage.