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
345 episodes
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...
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Season 6
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Episode 51
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6:28
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...
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Season 6
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Episode 50
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4:06
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 ...
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Season 6
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Episode 49
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4:40
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...
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Season 6
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Episode 48
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2:50
FNMA now has no credit scores when applying for a mortgage
What Does “No Credit Score Mortgage” Mean (for FNMA)Policy ChangeAs of November 15, 2025, Fannie Mae’s automated underwriting system (Desktop Underwriter, or DU) will no longer require a minimum third-party credit score.
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Season 6
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Episode 47
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5:25
What would the 50 year amortization mean
✅ the principal you borrowed✅ all interest paid over the years❌ It does NOT include taxes, insurance, or HOA unless noted.Because longer terms spread payments out more slowly, they lower the monthly payment but massively increas...
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Season 6
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Episode 46
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4:29
My prediction on what is going to happen next
Here are the main types of events that typically cause the 10-year yield to drop:Economic slowdown or recession signsWeak GDP, rising unemployment, or falling consumer spending make investors expect lower future interest rates.<...
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Season 6
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Episode 45
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6:08
Fed dropping rates next week , what does that exactly mean
🏦 1. Fed Rate vs. Market RatesWhen the Federal Reserve cuts rates, it lowers the federal funds rate — the rate banks charge each other for overnight loans.That directly affects:Credit cardsAuto loansHome equi...
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Season 6
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Episode 44
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4:45
What is trending right now in the mortgage business
1. FHA Streamline RefinancePurpose:Simplify refinancing for homeowners who already have an FHA loan — lowering their rate or switching from an ARM to a fixed rate with minimal paperwork and cost.Key Features:No incom...
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Season 6
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Episode 43
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4:27
using other ways to qualify for a mortgage besides using tax returns
Here are alternative ways to qualify for a mortgage without using tax returns:🏦 1. Bank Statement LoansHow it works: Lenders review 12–24 months of your business or personal bank statements to calculate your average monthly depo...
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Season 6
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Episode 42
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4:38
Now offering 3rd Mortgages
A third mortgage is an additional loan secured by the same property after a first and second mortgage already exist. It’s essentially a third lien on the property, which means it’s in third place to be repaid if the borrower defaults — making i...
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Season 6
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Episode 41
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3:10
Always look at the 10-year treasury
Great question — the 10-year U.S. Treasury Note (T-Note) is one of the most important benchmarks in finance, and it’s tightly linked to interest rates. Here’s a breakdown of how it works and why it matters:1. What the 10-Year T...
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Season 6
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Episode 40
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4:03
AI underwriting compared to Human underwriting
Speed & EfficiencyAI Underwriting:Processes applications in seconds to minutes.1.Can instantly pull data from multiple sources (credit reports, bank statements, income verification, property valuations, etc.).<...
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Season 6
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Episode 39
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3:25
Finally no more calls due to the Trigger list being put to a stop
Excited to share a major update that will make the homebuying process more secure and less stressful.President Donald Trump recently signed the Homebuyers Privacy Protection Act of 2025 into law. This bill is a significant victory for t...
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Season 6
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Episode 38
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5:16
When is it a good time to refinance your mortgage
Good question — refinancing can be a smart move, but the timing really matters. The "right time" to refinance your mortgage depends on a mix of personal and market factors. Here are the main ones to weigh:1. Interest RatesIf cur...
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Season 6
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Episode 37
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6:00
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