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
330 episodes
AI to AI on mortgages, tune in and learn the future
1. Getting Leads from AIAI can help you find and qualify homeowners who may be interested in a second mortgage (home equity loan or HELOC). Common approaches:Predictive Analytics – AI models look at property values, loan-to-valu...
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Season 6
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Episode 36
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2:12
When the Fed says they are dropping rates next month, what is really happening today
Great question. Markets don’t usually wait until the Fed actually cuts rates to react — they move in advance, based on expectations.Here’s how it works:Forward-looking nature of markets – Bond yields, stock prices, and mortgage ...
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Season 6
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Episode 35
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3:07
Shop your homeowners insurance annually, let me tell you my experience
Yes — shopping for your homeowners' insurance annually is generally a smart move.Here’s why:1. Rates change more than you think.Insurance companies regularly adjust premiums based on inflation, claims data, weather patterns,...
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Season 6
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Episode 34
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4:32
1% down program , tune in and see if you qualify
Program OverviewBorrower Contribution: You pay 1% of the purchase price as the down payment.Lender provides a 2% grant, bringing your total to 3% down, which is the typical minimum for conventional loans. For example, on a $...
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Season 6
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Episode 33
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4:02
Now the 40 year interest fixed for the first 10 years
A 40-year interest-only fixed for 10 years mortgage is a specialized loan product with the following structure:🔹 Loan Term: 40 YearsTotal length of the mortgage is 40 years.🔹 Interest-Only Period: First 10 YearsFor the f...
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Season 6
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Episode 32
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3:24
watch the 10 year treasury and you will see what interest rates do
When the 10-year Treasury yield goes down, it generally signals lower interest rates and increased demand for safe-haven assets like U.S. government bonds. Here’s what typically happens across different areas of the economy and markets:...
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Season 6
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Episode 31
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5:33
Mixed Use and Multi Family
Key Characteristics of a Mixed-Use Property:Feature DescriptionUse Types Typically includes residential, commercial, retail, office, and sometimes hospitality or industrial components.Zoning Must be zoned for mixed-use by the ...
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Season 6
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Episode 30
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3:42
What really happens when the Fed drops the rates?
Businesses can borrow more cheaply to invest in growth.💸 2. Consumer Spending IncreasesSince borrowing is cheaper and savings earn less interest, people are more likely to spend money rather than save it.This can boost deman...
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Season 6
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Episode 29
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5:06
What about all the disclosures I get during the loan process
During the mortgage process, several disclosure documents are provided to help you understand the terms of the loan, your rights, and the costs involved. These disclosures are required by law and are designed to promote transparency and protect...
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Season 6
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Episode 28
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4:00
Buying a home and keeping your present home
Buying a new home while keeping your current one can be a smart investment strategy—but it does come with financial challenges, especially when it comes to managing debt. Here are ways you can offset or manage the debt to make this dual-home sc...
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Season 6
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Episode 27
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3:14
How does a specific power of attorney work with a mortgage closing
A Specific Power of Attorney (POA) for a mortgage closing is a legal document that allows one person (the principal) to authorize another person (the agent or attorney-in-fact) to act on their behalf only for the purpose of completing a mortgag...
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Season 6
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Episode 26
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3:48
AI and Second Mortgages
Here’s a simple and clear breakdown of how AI is making second mortgages easier for homeowners and lenders alike:🔍 What Is a Second Mortgage?A second mortgage lets homeowners borrow against their home's equity, without replacing the...
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Season 6
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Episode 25
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6:15
What mortgage programs do we offer
We offer 2nd mortgages on primary, secondary, and investment propertieswe do purchases or refinances on Conventional, FHA, VA, and Non- Qm mortgages, We do Reverse Mortgages, Construction Permanent loans, FHA203k, and Conventional Renovatio...
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Season 6
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Episode 24
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2:44
Buying a home and keeping your present home
Buying a new home while keeping your current one can be a smart investment strategy—but it does come with financial challenges, especially when it comes to managing debt. Here are ways you can offset or manage the debt to make this dual-home sc...
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3:14
What else should I know about buying a condo
Buying a condo is different from purchasing a single-family home, and it's important to understand the unique considerations involved. Here’s a comprehensive list of what you should know before buying a condo:1. Understand What You're B...
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Season 6
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Episode 23
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2:22
With Tariffs and bad auctions should I lock in my interest rate?
Locking in your interest rate can be a smart move under the right circumstances—especially when there's economic uncertainty, like tariffs, geopolitical tension, or volatile inflation.Here are a few key considerations to help you decide...
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Season 6
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Episode 22
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3:15
Where do I do Mortgages?
I do Residential Mortgages in the State of Florida only, that is where I am licensed. Most of my business is from Pinellas, Hillsborough, and Pasco County. I am doing more loans all over the State as time goes on. I love to go to my...
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Season 6
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Episode 21
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2:39
How to choose a mortgage broker when buying or refinancing
When choosing a mortgage lender, it's important to carefully compare several key factors to ensure you get the best deal and the right fit for your financial situation. Here’s who you might consider and how to evaluate them:1. Types of ...
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Season 6
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Episode 20
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5:04
How does a Bridge loan work
A bridge loan is a short-term loan used to "bridge the gap" between buying a new home and selling your current one. It's typically used by homebuyers who need funds for a down payment on a new home before their existing home sells.Here'...
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Season 6
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Episode 19
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3:04
Different options on getting cashout on your investment property
How it works: Short-term, high-interest loan based on property value, not personal credit.Pros:Fast funding (days instead of weeks).Less strict underwriting.Cons:Very high interest rates (often 8%–15%+).<...
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Season 6
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Episode 18
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3:47
Don't use all your funds to close on your mortgage, keep some money on the side
When you're buying a home, it's not just about affording the purchase price or down payment. You’ve got closing costs, moving expenses, and all the “surprise” things that come up after you move in — like needing a new appliance, fixing a plumbi...
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Season 6
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Episode 17
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3:48
Frequently asked questions regarding job history and funds to close on a mortgage
Are you a salaried employee, hourly, self-employed, or a contractor?Do you receive bonuses, commissions, or overtime? How consistent is that income?Can you provide recent pay stubs, W-2s, or tax returns?Self-Employment (...
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Season 6
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Episode 16
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3:51
Rates! Rates! Rates! is it time to refinance your mortgage
With the recent dip in mortgage rates, you might be contemplating whether refinancing your mortgage is a prudent move. Currently, the average U.S. rate for a 30-year fixed mortgage stands at approximately 6.64%, marking the second consecutive w...
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Season 6
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Episode 15
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4:12
Which loan product is better for you if you have lower credit scores when buying a home
1. FHA Loan (Federal Housing Administration Loan)Credit Score Requirement: As low as 500 (with 10% down) or 580+ (with 3.5% down).Best For: First-time homebuyers and those with lower credit.Pros: Low down payment, flexib...
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Season 6
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Episode 14
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3:58
Where are interest rates today and what do you think will happen
As of March 24, 2025, the Federal Reserve has maintained the federal funds rate at a target range of 4.25% to 4.50%. This decision reflects the central bank's ongoing efforts to balance economic growth with inflation control. Looking a...
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Season 6
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Episode 13
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3:37