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.
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Buying Florida
Interesting stats on mortgages for 2025
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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 in interest rates.
With 1.4 trillion in credit card debt, it seems that 1.4 trillion in credit card debt may be the reason for the refinancing.
It is interesting that the NON QM loans captured so much of the closed business, and will only grow more in 2026
Popular program is the bank statement loan, which does not require tax returns, 1099's or W-2s
If you are looking at doing a rate term refinance, remember to look for a 2% drop with no points
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