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
Buying Florida
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 (if applicable):
How long have you been self-employed?
Can you provide two years of business tax returns and profit/loss statements?
🔹 Funds to Close Questions
Lenders want to confirm you have enough money to cover the down payment, closing costs, and reserves. Questions may include:
Source of Funds:
How much money do you have saved for the down payment and closing costs?
Where are these funds coming from (savings, checking, retirement account, gift, etc.)?
Are you receiving any gift funds? If so, from whom?
Asset Documentation:
Can you provide bank statements from the past 2–3 months?
Are there any large or unusual deposits? Can you explain them?
Reserves:
Do you have additional savings left after closing (reserves)?
Can you show evidence of other assets (stocks, bonds, retirement)?
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didier malagies nmls#212566
dda mortgage nmls#324329