VA Loan - Debbie Cooley Mortgage https://debbiecooleymortgage.com Where a broker is always better Mon, 04 Dec 2023 14:40:29 +0000 en-US hourly 1 https://debbiecooleymortgage.com/wp-content/uploads/2022/08/cropped-DCM-Monogram-Charcoal-32x32.jpg VA Loan - Debbie Cooley Mortgage https://debbiecooleymortgage.com 32 32 Understanding the Homestead Exemption in Florida https://debbiecooleymortgage.com/understanding-the-homestead-exemption-in-florida/?utm_source=rss&utm_medium=rss&utm_campaign=understanding-the-homestead-exemption-in-florida Fri, 01 Dec 2023 14:53:45 +0000 https://debbiecooleymortgage.com/?p=2185 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 ...

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]]> 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:
  1. 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.
  2. 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.
  3. 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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]]> MONEY FOR FIRST-TIME HOME BUYERS https://debbiecooleymortgage.com/money-for-first-time-home-buyers/?utm_source=rss&utm_medium=rss&utm_campaign=money-for-first-time-home-buyers Thu, 22 Jun 2023 14:01:14 +0000 https://debbiecooleymortgage.com/?p=2153 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
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]]> 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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]]> “5 Ways to Finance Generational Housing: From Traditional Mortgages to Creative Solutions” https://debbiecooleymortgage.com/5-ways-to-finance-generational-housing-from-traditional-mortgages-to-creative-solutions/?utm_source=rss&utm_medium=rss&utm_campaign=5-ways-to-finance-generational-housing-from-traditional-mortgages-to-creative-solutions Wed, 10 May 2023 18:42:20 +0000 https://debbiecooleymortgage.com/?p=2133 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,
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]]> 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.
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.
  1. 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.
  1. 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.
  1. 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.
  1. 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

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]]> SHOULD I WAIT TO BUY A HOUSE? https://debbiecooleymortgage.com/should-i-wait-to-buy-a-house/?utm_source=rss&utm_medium=rss&utm_campaign=should-i-wait-to-buy-a-house Wed, 22 Mar 2023 16:51:05 +0000 https://debbiecooleymortgage.com/?p=2097 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
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]]> 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

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. A 2 year average is recommended.

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

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]]> The Florida Hometown Heroes Housing Program https://debbiecooleymortgage.com/the-florida-hometown-heroes-housing-program/?utm_source=rss&utm_medium=rss&utm_campaign=the-florida-hometown-heroes-housing-program Thu, 23 Feb 2023 18:10:31 +0000 https://debbiecooleymortgage.com/?p=2047 The Florida Hometown Heroes Housing Program through the Florida Housing Finance Corporation helps make homeownership more affordable for eligible front-line workers such as law enforcement officers, firefighters, educators, healthcare professionals, childcare employees, and active military or veterans. The program provides down payment
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]]> The Florida Hometown Heroes Housing Program through the Florida Housing Finance Corporation helps make homeownership more affordable for eligible front-line workers such as law enforcement officers, firefighters, educators, healthcare professionals, childcare employees, and active military or veterans.
The program provides down payment and closing cost assistance to first-time, income-qualified homebuyers in an eligible occupation to assist them in the purchase of a primary residence.

WHAT IS IT?

  • Florida Hometown Heroes allows borrowers to receive up to 5% of the loan amount (capped at $25,000) in down payment and closing cost assistance

    • Can be paired with additional assistance programs to maximize the amount of received assistance
  • Down payment and closing cost assistance is available in the form of a 0% interest, non-amortizing,
  • 30-year repayable second mortgage. This second mortgage becomes due and payable in full upon the sale of the property, refinancing of the first mortgage, transfer of a deed, or if the homeowner no longer occupies the property as their primary residence. The Florida Hometown Heroes loan is not forgivable.
  • The down payment and closing cost assistance can be used to satisfy the following:
    • Borrower’s down payment
    • Any down payment exceeding the minimum borrower requirement
    • Reasonable and customary closing cost.
  • 30-year repayable second mortgage. This second mortgage becomes due and payable in full upon the sale of the property, refinancing of the first mortgage, transfer of deed, or if the homeowner no longer occupies the property as their primary residence. The Florida Hometown Heroes loan is not forgivable.
  • The down payment and closing cost assistance can be used to satisfy the following:
    • Borrower’s down payment
    • Any down payment exceeding the minimum borrower requirement
    • Reasonable and customary closing costs
Florida’s Hometown Heroes program is a state-wide initiative that recognizes and celebrates the exceptional work of first responders, law enforcement officers, and other essential workers who have gone above and beyond their call of duty to serve their communities. These individuals have displayed courage, dedication, and selflessness in their respective fields and have made a significant impact on the lives of the people they serve.
The program was launched in 2020 by Governor Ron DeSantis in response to the COVID-19 pandemic. The governor recognized that essential workers were risking their lives to keep Floridians safe and healthy, and he wanted to show his appreciation and support for their efforts.
This is exciting news for Hometown Heros in Florida call Debbie Cooley Guy with Innovative Mortgage for more information
727-688-2851 or email  Debbie@debbieCooleyMortgage.co
Debbie Cooley Mortgage | NMLS #836635
Debbie Cooley Guy, Loan Originator  NMLS #210817
Equal Housing Lender

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]]> Banks vs. Mortgage Brokers: Why a Mortgage Broker is the Better Choice https://debbiecooleymortgage.com/banks-vs-mortgage-brokers-why-a-mortgage-broker-is-the-better-choice/?utm_source=rss&utm_medium=rss&utm_campaign=banks-vs-mortgage-brokers-why-a-mortgage-broker-is-the-better-choice Wed, 15 Feb 2023 20:06:32 +0000 https://debbiecooleymortgage.com/?p=2040 When it comes to securing a mortgage, homeowners have two main options: working with a bank or working with a mortgage broker. While both options have their pros and cons, choosing a mortgage broker can provide numerous benefits that make them the
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]]> When it comes to securing a mortgage, homeowners have two main options: working with a bank or working with a mortgage broker. While both options have their pros and cons, choosing a mortgage broker can provide numerous benefits that make them the better choice for many borrowers.

What is a Mortgage Broker?

A mortgage broker is a professional who works with a variety of lenders to help borrowers find the best mortgage products to meet their financial needs. They have access to a wide range of mortgage products and can help you find the best options available to meet your specific needs.

Benefits of Working with a Mortgage Broker

  1. Access to a Wide Range of Products: Mortgage brokers have access to a wide range of mortgage products from a variety of lenders. This means they can help you find the best options available to meet your financial needs, whether you’re a first-time homebuyer, looking to refinance, or interested in a Reverse Mortgage.
  2. Expertise and Knowledge: Mortgage brokers have the expertise and knowledge needed to navigate the mortgage process and help you find the best solution for your needs. They can answer your questions, provide guidance and support, and help you make informed decisions about your financial future.
  3. Time and Effort Savings: Working with a mortgage broker can save you time and effort in the mortgage process. They can handle all the legwork involved in finding the best mortgage products and submitting your loan application, freeing you up to focus on other things.
  4. Better Rates and Terms: Because mortgage brokers have access to a wide range of products, they can often find better rates and terms than you might be able to find on your own. This can save you money over the life of your mortgage.

Banks vs. Mortgage Brokers

While banks can be a convenient option for some borrowers, they often have limited options and may not be able to provide the competitive rates and terms available through mortgage brokers. Additionally, banks may not have the expertise and personalized attention that a mortgage broker can provide.
On the other hand, mortgage brokers are dedicated to finding the best mortgage solution to meet your financial needs. They provide personalized guidance and support throughout the process and can help you find the best rates and terms available.

Final Thoughts

When it comes to securing a mortgage, choosing a mortgage broker can provide numerous benefits, including access to a wide range of products, expertise, and knowledge, time and effort savings, and better rates and terms. If you’re in the market for a mortgage, consider working with a mortgage broker like Debbie Cooley at Debbie Cooley Mortgage. Contact her today at 727-688-2851 or visit her website at https://www.debbiecooleymortgage.com/ to learn more.
Debbie Cooley Mortgage | NMLS #836635
Debbie Cooley Guy, Loan Originator  NMLS #210817
Equal Housing Lender
#Brokersarebetter #mortgagebroker #betterthanbanks

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]]> How to Get a Mortgage in 2023: The Perfect Year to Buy a Home https://debbiecooleymortgage.com/how-to-get-a-mortgage-in-2023-the-perfect-year-to-buy-a-home/?utm_source=rss&utm_medium=rss&utm_campaign=how-to-get-a-mortgage-in-2023-the-perfect-year-to-buy-a-home Wed, 04 Jan 2023 18:00:10 +0000 https://debbiecooleymortgage.com/?p=1993 Are you on the fence about buying a home and getting a mortgage in 2023? It’s understandable – purchasing a home is a huge decision, and it’s natural to feel indecisive or hesitant. But while it’s important to carefully consider all of
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]]> Are you on the fence about buying a home and getting a mortgage in 2023? It’s understandable – purchasing a home is a huge decision, and it’s natural to feel indecisive or hesitant. But while it’s important to carefully consider all of your options, it’s also important not to let indecisiveness hold you back. With rates stabilizing, stable home prices, and a rebounding economy, there are many compelling reasons to consider buying a home in the coming year. Don’t let the fear of making the wrong decision keep you from pursuing your homeownership dreams.
Read on to learn more about why 2023 could be the perfect year for you to take the plunge and get a mortgage.

Stable Interest Rates: Now is the time to get a mortgage and save!

Mortgage interest rates have been at historically low levels in recent years. Even with a slight rise in interest rates, the market is still historically low, and experts predict that rates will remain stable for the foreseeable future. This means that it’s a fantastic opportunity to get a mortgage and borrow money to buy a home, as you can lock in a rate that will save you money over the life of your loan. Don’t wait to take advantage of these rates while other homebuyers are sitting on the sidelines – the time to buy is now!

Home Prices on the Rise: Don’t miss out on potential gains by waiting to get a mortgage!

Many housing markets have seen strong price appreciation over the past four years, and this trend is expected to continue in the coming years if not at the same pace. If you wait too long to get a mortgage and buy a home, you may end up paying more than you would have if you had acted earlier. Now is the time to make a move and potentially see some great returns on your investment.

The Economy is Rebounding: It’s a great time to invest in your future and get a mortgage!

After the disruptions caused by the COVID-19 pandemic, supply shortages, and inflation, many analysts are predicting that the economy will stabilize in the coming years. This could lead to increased demand for housing, which could drive up home prices. It’s a great time to invest in your future and make a smart financial decision by getting a mortgage and buying a home.

Government Programs: There’s help available to get a mortgage!

There are a number of government programs available to help people get a mortgage and buy homes, such as down payment assistance and first-time homebuyer programs. These programs can make it easier for you to afford a home, so it’s worth checking to see if you’re eligible. Don’t let a lack of funds hold you back – there may be resources available to help you achieve your homeownership goals.

The Takeaway: 2023 is the year to get a mortgage and make your move!

Buying a home is a big decision and it’s important to consider your own financial situation and long-term goals before committing to a purchase. However, if you’re in a good place financially and have been thinking about getting a mortgage and buying a home, 2023 could be the perfect year to make your move. With stable rates, rising home prices, a rebounding economy, and government programs available to help, now is the time to take the plunge and invest in your future.
Call Debbie at 727-688-2851 for a free Pre-qualification.

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]]> SELF EMPLOYED? BUYING A NEW HOME IN 2023? THINGS TO KNOW. https://debbiecooleymortgage.com/self-employed-buying-a-new-home-in-2023-things-to-know/?utm_source=rss&utm_medium=rss&utm_campaign=self-employed-buying-a-new-home-in-2023-things-to-know Tue, 13 Dec 2022 21:10:18 +0000 https://debbiecooleymortgage.com/?p=1984 We are ending 2022 and beginning 2023.  If you are self-employed and thinking of buying a home in 2023, here are some things to know when you meet with your accountant, review your gross income from your 1099’s, and give them a
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]]> We are ending 2022 and beginning 2023.  If you are self-employed and thinking of buying a home in 2023, here are some things to know when you meet with your accountant, review your gross income from your 1099’s, and give them a basket full of your expenses.  I know you want to owe IRS as little as possible, but remember that your net income after your expenses will be the income the lender will use to qualify you for a mortgage.
Call Debbie at Debbie Cooley Mortgage and find out what income you need to show on your tax return to qualify for your new home.  I can review your tax returns before they are filed, and I can work with your accountant to also let them know what income is needed.
As a self-employed individual, you need to know about all your lending options including Non-QM. You also need to know the pros and cons of each of your loan options. I will ask you about your personal circumstances and match your needs to the best loan terms.
Call Debbie at 727-688-2851 for a free Pre-qualification.

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]]> Closing In 19 Days And An Extra $50,000 In Buying Power. See How These Homebuyers Did It. https://debbiecooleymortgage.com/closing-homebuyers/?utm_source=rss&utm_medium=rss&utm_campaign=closing-homebuyers Wed, 30 Nov 2022 21:20:20 +0000 https://debbiecooleymortgage.com/?p=1935 As a homebuyer, you want the best rate and the best terms, which is why I’m always amazed when buyers or other mortgage brokers are only looking at one loan product. We are always looking at all our options when closing homebuyers.
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]]> As a homebuyer, you want the best rate and the best terms, which is why I’m always amazed when buyers or other mortgage brokers are only looking at one loan product. We are always looking at all our options when closing homebuyers.

Take for example my latest closing.

Jannet and James just started looking at properties in Tampa. They had moved here from Illinois and were looking to buy a new home. They’d started looking for properties online, but were struggling to find a home because of their conventional loan qualification amount.

They were looking to get pre-qualified and thought that because they had a substantial down payment, a conventional mortgage was the way to go.

Sometimes this is true, but often there are alternative products that may suit your specific needs better.

Fortunately for Jannet and James, their realtor, Donna knew Debbie at Debbie Cooley Mortgage. Debbie told them about the VA loan program, which can offer low-interest rates and no funding fee if you meet certain requirements. That meant Jannet and James could qualify for more money and get into their dream home.

They were incredibly excited when they found the house that was just right: it had three bedrooms, a pool, two car garage, and all the space they needed. Because of Debbie at Debbie Cooley Mortgage, Jannet & James were able to add an additional $50,000 in buying power.

As soon as Debbie got them approved for a loan and started working with the seller’s agent to set up an escrow account, Jannet and James were able to close on their home within 19 days of finding out about it—and without having to worry about being able to pay off their mortgage every month.

If you are a Veteran and want to see if you qualify for no funding fees or if you are a homebuyer and want to know more about mortgage products beyond the “typical” 30-year conventional loan, give us a call 727-688-2851.

Debbie Cooley | NMLS # 210817
Debbie Cooley Mortgage | NMLS #836635
Equal Housing Lender

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