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
373 episodes
Getting a 2nd mortgage on your commercial property
For many commercial property owners, the idea of a second mortgage might sound familiar from the residential world, but its application in the commercial sector is a powerful, often overlooked, financial tool. A commercial second mortgage allow...
What happens to the condo questionnaire when not being answered, is there a solution
Condo Questionnaire Not Fully Answered? Don't Let Your Loan Collapse!Imagine finding your dream condo, going through the excitement of an accepted offer, only to hit a brick wall when the management company can't or...
Are you listing your home at the right price and buyers seeing homes going under contract quickly
Navigating Today's Housing Market: Why Your Realtor's Advice is PricelessI recently had a fascinating conversation with one of my potential buyers, and their frustration was palpable. They'd been diligently searchin...
What is going on with interest rates?
Understanding Interest Rates: How Global Events Shape Your Mortgage FutureEver feel like the world's events are playing a direct role in your household budget? You're not imagining it. Right now, a significant global event - the ongoing con...
The Condo Management association are not answering all the questions for the condo approval process, what happens then?
Navigating Condo Questionnaire Challenges for Mortgage Approval with DDA MortgageBuying a condominium can be an exciting journey, offering a unique blend of homeownership and community living. However, securing a mortgage for a condo often ...
What are some of the things AI is having problems with
Navigating AI for Second Mortgages: Avoiding Delays and FrustrationThe promise of Artificial Intelligence in the mortgage industry is exciting: faster processing, greater efficiency, and a smoother experience. For second mortgages, in parti...
Do I qualify for a mortgage?
Do I Qualify for a Mortgage? Your Path to Homeownership Starts HereThe dream of owning a home is a powerful one, but for many, the path to achieving it can feel shrouded in mystery. You might be asking yourself, "Do I qualify for a mortgage...
Average age for a first time median home buyer
The Evolving Dream: Average Age of First-Time Homebuyers from 1980 to 2025The dream of homeownership remains a cornerstone of the American spirit, a powerful symbol of stability, achievement, and future security. Ye...
AI is doing the uw, appraisal, title, and also feeding me leads everyday
How to Integrate AI into Your Mortgage Business and ThriveThe mortgage industry is undergoing a rapid transformation, and if you haven't felt the tremors yet, you soon will. Imagine this: second mortgages are being closed in a matter of day...
Higher rates on credit cards, car loans, and is your student loan increasing in balance each month
Is High-Interest Debt Weighing You Down? Consider a Second Mortgage for Financial ReliefAre you feeling the squeeze from relentless high-interest rates on your credit cards, watching your car loan payments eat a sig...
Mortgage stats on how much more money you need to make to buy a home
Navigating the New Reality: Why Homeownership Costs Have Doubled Since 2016Remember 2016? It might not feel like ancient history, but a lot has changed in the world of homeownership since then. Back then, the average American only needed to...
Is it time to refinance given the present market conditions
Is Now the Right Time to Refinance Your Mortgage Amidst Middle East Uncertainty?The world feels a little more uncertain these days, doesn't it? With job markets shifting, the cost of... well, everything... seemingly on the rise, and the ong...
Is it time to think about getting a HECM, with the cost of everything going up in your retirement
Is Rising Inflation Eating Away at Your Retirement Savings? A HECM Could HelpOuch! Did you wince at the gas pump today? We all did. It feels like the cost of everything is going up, doesn't it? From filling your tan...
More mortgage stats for you
Navigating the 2025 Mortgage Landscape: Opportunities in a Changing MarketAre you feeling the squeeze of today's housing market? You're not alone. With fluctuating interest rates and rising home prices, understanding the current mortgage la...
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...
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...
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,...
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...
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...
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...
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...
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...
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...
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...
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 ...