Buying Florida
Didier Malagies is a leader in the Tampa Bay Mortgage industry, serving Pinellas, Pasco, Hillsborough counties, and beyond with his sights set on educating residential and commercial buyers regarding Florida purchases. With over 20 years of expertise, Didier has built relationships with realtors, bankers, and clients based on integrity and his drive to provide the best customer experience in the state by being there from beginning to end of every purchase.
Whether you're looking to move, invest, start a business or expand, Didier will share everything you need to know on his show every week.
Didier Malagies nmls#212566/DDA Mortgage nmls#324329
Episodes
359 episodes
Fannie Mae, Freddie Mac announce revisions to condo insurance standards Updates include investor concentration limits, a limited review process, and expanded waivers of project review
Here’s a clear breakdown of what’s actually happening with the new Fannie Mae / Freddie Mac condo insurance + project review changes (March 2026) and what it really means:🧩 Big PictureThese updates from the Federal Housing Finan...
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Season 7
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Episode 13
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3:53
Up to a 100% financing on an SBA 7a loan
Stop Renting, Start Owning: SBA 7(a) Loans for 100% Commercial FinancingImagine this: Instead of writing that rent check every month, you're making a mortgage payment on a building you *own*. You're not just keeping a roof over your busines...
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Season 7
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Episode 12
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4:00
How is AI going to change the mortgage industry
How is AI Going to Change the Mortgage Industry?The mortgage industry, built on relationships and intricate processes, is facing a potential revolution. The question on everyone's mind, whispered in break rooms and shouted in online forums,...
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Season 7
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Episode 11
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7:24
Reduced fees on title, such as no lender's policy on du findings on a refinance
Refinance Fee Savings: How to Lower Your Costs on Title, Appraisal, and CreditRefinancing your mortgage can be a smart move, potentially saving you thousands of dollars over the life of your loan. But let's be honest, the initial costs of r...
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Season 7
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Episode 10
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5:25
Does a cashout refinance make sense since rates have dropped
Is a Cash-Out Refinance the Right Choice Now That Mortgage Rates Have Dropped?Feeling squeezed by high-interest debt? Credit card bills piling up? Are those car payments and student loans making it hard to breathe financially? Or perhaps yo...
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Season 7
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Episode 9
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5:40
Rate term refinance and what about points
Rate & Term Refinancing in Florida: Is Now the Right Time?Are you staring at your mortgage statement, wondering if there's a better deal out there? You're not alone! Many Florida homeowners are considering a rate and term refinance, esp...
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Season 7
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Episode 8
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6:09
What Financial Stress Looks Like for Retirees Over 62
Financial Stress for Retirees Over 62: How to Ease the BurdenThe price of everything seems to be creeping higher, doesn't it? From the gas pump to the grocery store, rising costs impact everyone. But for retirees age 6...
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Season 7
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Episode 7
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5:56
40% of all mortgages last year were refinances
a large share of the refinances in 2025 were indeed driven by homeowners taking cash out of their home equity to consolidate debt or tap housing wealth, not just refinancing to get a lower interest rate. The data available on refinance ac...
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Season 7
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Episode 6
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5:46
Asset based lending with no min fico score
12-Month Bridge Loans with interest-only payments• Cash-Out Refis, Purchase Loans, Second Liens, and Portfolio Loans• Nationwide lending on non-owner occupied residential properties, including condos• No FICO minimum – We welc...
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Season 7
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Episode 5
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1:05
Does your condominium association needs funds for a new roof or other big items
1. HOA / Condo Association Loans (Most Common)These are commercial loans made directly to the association, not individual unit owners.Typical usesRoof replacementStructural repairsPainting, paving, elevat...
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Season 7
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Episode 4
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5:36
Interesting stats on mortgages for 2025
There are now more loans with interest rates over 6% than those with rates under 3%. 40% of the volume closed were refinances, and 30% of the loans done were NON-QM loans. There was a 10% drop in mortgage volume at the end of 2025, with a drop ...
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Season 7
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Episode 3
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5:59
Do you need cash out, or consolidate, or have no mortgage payment
💡 Option 1 — Cash-Out RefinanceMeaning: Replace your current mortgage with a larger loan and take the difference in cash. BankrateOften lower interest rate than a second mortgage because it replaces your first mortgage. Rocket Mortg...
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Season 7
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Episode 2
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5:49
Closing in January when the property taxes are super low
When someone has lived in a home for many years, their property taxes are often artificially low because of long-standing exemptions and assessment caps (like Florida’s Save Our Homes).If you close in January of the following year, here...
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Season 7
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Episode 2
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0:55
Refinancing, are you being told the truth when they offer a super low rate and no closing costs
Headline ads often quote temporary buydowns, ARM teaser rates, or perfect-credit scenarios that very few borrowers qualify for.The real, fully indexed 30-year fixed rate is meaningfully higher once you look at actual pricing.
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Season 6
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Episode 52
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7:15
Fed dropped the rates but also did something from old playbook, printing 40 billion a month in QE
If the **Federal Reserve cuts interest rates by 0.25% and simultaneously restarts a form of quantitative easing (QE) by buying about $40 billion per month of securities, the overall monetary policy stance becomes very accommodative. Here’s what...
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Season 6
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Episode 51
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6:28
closed a second mortgage in 3 hours, that is for real
That is wild — and honestly a sign of where mortgage tech is heading fast.A three-hour closing versus three days used to be unheard of. What likely made it possible:🚀 Why it happened so fast1. Automated income/asset veri...
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Season 6
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Episode 50
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4:06
Fed is cutting rates does that help us on the mortgage side and lets close your loan this month for homestead
✅ Why mortgage rates can rise even when the Fed cuts ratesMortgage rates don’t move directly with the Fed Funds Rate. Instead, they are primarily driven by the 10-year Treasury yield and investor expectations about inflation, recession ...
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Season 6
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Episode 49
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4:40
New Loan limits have increased in 2026
Here are the anticipated conforming loan limits for Fannie Mae / Freddie Mac for 2026 (pending official announcement by the Federal Housing Finance Agency):819,000 is the new loan amount, so you can buy a home for $862,105 and only put 5% d...
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Season 6
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Episode 48
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2:50
FNMA now has no credit scores when applying for a mortgage
What Does “No Credit Score Mortgage” Mean (for FNMA)Policy ChangeAs of November 15, 2025, Fannie Mae’s automated underwriting system (Desktop Underwriter, or DU) will no longer require a minimum third-party credit score.
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Season 6
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Episode 47
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5:25
What would the 50 year amortization mean
✅ the principal you borrowed✅ all interest paid over the years❌ It does NOT include taxes, insurance, or HOA unless noted.Because longer terms spread payments out more slowly, they lower the monthly payment but massively increas...
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Season 6
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Episode 46
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4:29
My prediction on what is going to happen next
Here are the main types of events that typically cause the 10-year yield to drop:Economic slowdown or recession signsWeak GDP, rising unemployment, or falling consumer spending make investors expect lower future interest rates.<...
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Season 6
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Episode 45
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6:08
Fed dropping rates next week , what does that exactly mean
🏦 1. Fed Rate vs. Market RatesWhen the Federal Reserve cuts rates, it lowers the federal funds rate — the rate banks charge each other for overnight loans.That directly affects:Credit cardsAuto loansHome equi...
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Season 6
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Episode 44
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4:45
What is trending right now in the mortgage business
1. FHA Streamline RefinancePurpose:Simplify refinancing for homeowners who already have an FHA loan — lowering their rate or switching from an ARM to a fixed rate with minimal paperwork and cost.Key Features:No incom...
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Season 6
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Episode 43
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4:27
using other ways to qualify for a mortgage besides using tax returns
Here are alternative ways to qualify for a mortgage without using tax returns:🏦 1. Bank Statement LoansHow it works: Lenders review 12–24 months of your business or personal bank statements to calculate your average monthly depo...
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Season 6
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Episode 42
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4:38
Now offering 3rd Mortgages
A third mortgage is an additional loan secured by the same property after a first and second mortgage already exist. It’s essentially a third lien on the property, which means it’s in third place to be repaid if the borrower defaults — making i...
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Season 6
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Episode 41
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3:10