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
317 episodes
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
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
Warrantable and Non-Warrantable Condos
The difference between warrantable and non-warrantable condos primarily relates to whether a condominium project meets the eligibility requirements set by Fannie Mae, Freddie Mac, or other government-backed entities like the FHA (Federal Housin...
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Season 6
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Episode 12
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4:54
What is happening with Ai and mortgage origination
AI is transforming the mortgage industry in several ways, making processes faster, more efficient, and more customer-friendly. Here are some key impacts:1. Streamlining Loan Origination & UnderwritingAI-powered algorithms can qu...
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Season 6
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Episode 11
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7:48
What is a Reverse Mortgage
A reverse mortgage is a type of loan available to homeowners aged 62 and older that allows them to convert part of their home equity into cash. Unlike a traditional mortgage, where the homeowner makes monthly payments to a lender, a reverse mor...
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Season 6
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Episode 10
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4:40
What are all the disclosures that come to you during the loan process
When you apply for a loan, you receive several important disclosures that outline key terms, costs, and your rights as a borrower. These disclosures are required by law to ensure transparency and help you make informed decisions. Here are some ...
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Season 6
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Episode 9
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3:59
Using rental income only to qualify for a mortgage
A DSCR loan (Debt-Service Coverage Ratio loan) is a type of real estate investment loan primarily used for income-producing properties. It evaluates a borrower’s ability to repay the loan based on the cash flow generated by the property rather ...
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Season 6
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Episode 8
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6:09
Offering second mortgages on primary, secondary and invrstment properties
A second mortgage is a loan taken out against a property that already has an existing mortgage. It allows homeowners to tap into their home equity, which is the difference between the home's market value and the amount owed on the primary mortg...
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Season 6
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Episode 7
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3:48
How to increase your credit score with a rapid rescore
A rapid rescore is a service offered by lenders to quickly update your credit report with the latest information, potentially improving your credit score in a matter of days rather than waiting for the usual reporting cycle. Here’s how it works...
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Season 6
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Episode 6
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4:34
10% down and possible to get an appraisal waiver
An appraisal waiver with Fannie Mae (FNMA) is part of their Desktop Underwriter® (DU®) system. It allows eligible borrowers to bypass the need for a traditional home appraisal as part of the mortgage approval process. This can save time, money,...
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Season 6
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Episode 5
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2:50
Isn't it time to get prequalfied for a mortgage
1. Assess Your Financial HealthCredit Score: Check your credit score (usually 620 or higher is required, though higher scores get better rates).Debt-to-Income Ratio (DTI): Calculate your monthly debt payments compared to your gross mont...
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Season 6
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Episode 4
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5:34
Is it the right time to buy now
Down Payment & Savings: A larger down payment can reduce your loan size and help lower the impact of higher interest rates. If you have substantial savings, it could make sense to buy now, as you’ll likely have more equity and lower monthly...
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Season 6
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Episode 3
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4:10
Eliminate your home sales contingency?
What if you had access to a solution that allows your clients to eliminate their home sales contingency? They could make non-contingent or cash offers on a new home, while also removing their current mortgage payment from qualification. This wo...
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Season 6
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Episode 2
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2:29
working with small businesses is so important and when it comes from a realtor, that is key
Working with small businesses in your community is a great way to build local relationships, foster economic growth, and contribute to the development of the area. Here are several ways you can collaborate and support small businesses:1...
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Season 6
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Episode 1
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6:19
Are you having diffuclty qualifying for a mortgage, let me help
To structure your loan effectively and qualify for a mortgage, there are several steps you can take to improve your financial situation and increase the likelihood of approval. Here’s a comprehensive guide:1. Check Your Credit Score...
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Season 5
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Episode 52
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3:49