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
366 episodes
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 ...
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...
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...
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.
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...
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...
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 ...
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...