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RECENT BLOG POSTS
  …and yesterday turned out exactly as anticipated. The stock market hit new highs, rates got a bit worse and Ukraine is still a wild card keeping things interesting.   Data is in already this morning, however, and we have nice improvements in mortgage application volume. Both purchase and refi b...
03/04/2014
  Well admittedly, yesterday wasn’t difficult to call…   Stocks tanked a bit, rates improved a smidgen, and I took advantage and locked. But remember when I thought this would be short lived? In the end there will be a lot of rhetoric and threats but truth is Russia and China have never been clos...
03/03/2014
  Amazing what a difference a couple days and a foreign occupation on the other side of the world can make…   So much for the market’s shrugging off Ukraine, but when a superpower (are they still considered one? With enough nukes to fry the world they should be…) invades/occupies any other countr...
03/02/2014
  Well it’s official now… the housing, employment, manufacturing and retail sales slowdown are all a result of the weather and we’re basically going to have to wait until April to see how the economy is really doing. Man I wish my job was that easy… That’s basically the take away from Yellen’s te...
02/27/2014
  Those who waited with baited breath yesterday as the stock market turned positive and interest rates stayed on edge were rewarded late in the day when our new friend (so far!) Fed Chairwoman “in waiting” Janet Yellen’s prepared speech for this morning was released. Know that her comments so far...
11/13/2013
  Well things did start to get ugly after the Chicago PMI data yesterday, but the range pretty much held and we escaped mostly unscathed. It leaves us wary for today’s additional manufacturing data due out at 9a and 10a. If manufacturing activity picks up, it points towards a stronger recovery wh...
10/31/2013
  Yep the shutdown is over (until 01/15/14) and the debt ceiling raised (until 02/07/14). World markets were relatively quiet on the news and US preopen looks like concern over the new deadlines is replacing the uncertainty we had. Still rates are being held down and seem to be stable for the mom...
10/16/2013
There has been much talk about a recently announced FHA program designed to help individuals that suffered an “economic event” resulting in short sale, bankruptcy and/or foreclosure. The FHA “Back to Work” program allows for previously unheard of leeway for approving borrowers with these negativ...
09/13/2013
Laura does a great job of going over some of the important details to the new FHA guidelines regarding job loss and economic hardship. Do also note the guidelines require a minimum of one hour HUD approved one on one counseling, within a strict time period, in order to qualify. Contact your trust...
08/20/2013
I personally share my "twelve commandments" with homebuyers- a blog for a later date- but George Souto does a great job keeping it brief and to the point with this post. When in doubt the most important thing to remember is to ASK YOUR LENDER! Don't EVER assume any action will not affect your abi...
05/14/2013
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Gerry Suarez Jr.

FL Mortgage Guru
smartphone(352) 516-9884
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Local information regarding Mortgage lending in Central Florida including Orange, Seminole, Osceola, Lake, Volusia and Marion Counties. Also providing up to date information on HUD and government loan programs, and first time buyer programs. I'm required to tell you I'm not acting on behalf of HUD/FHA or the US Government!