Get Up To $35,000 For Down Payment & Closing Costs

This program makes owning a home affordable for ALL First-Time Homebuyers, regardless of occupation. As long as you're a Florida resident, employed full-time with a FICO score of 640 or above.

How to Boost Your Mortgage Pre-Approval Amount

Looking to buy your dream home but need a higher mortgage pre-approval amount? We'll guide you through actionable steps to boost your pre-approva.

Why Retire in Florida? Top Reasons It's the Best Choice for Retirees

Considering retirement in Florida? Learn about the unique attractions and lifestyle benefits that make Florida the perfect choice for many retirees.

Spring Home Maintenance Checklist: Refresh and Repair Your Home

Spring is the perfect time to give your home a thorough check-up and tackle necessary maintenance tasks. Our Spring Home Maintenance Checklist will guide you through the essential steps to ensure your home is efficient, safe, and looking its best.

Is It a Good Time to Buy a House?

Buying a home is a journey filled with excitement and uncertainty. Arm yourself with the right information and step forward confidently.

What is a Good Credit Score for Buying a House?

Discover the importance of your credit score in buying a house and learn the magic number that opens the door to your dream home. Get tips on how to improve your score and secure the best mortgage rates.

What The Super Bowl Can Teach Us About The Homebuying Process

Did you know that the Super Bowl can also teach us some valuable lessons about the homebuying process? Let's explore the parallels.

How to Find Your Price Range When Buying a New Home

How do you establish an accurate price range when buying a new home? Here are some tips that will help.

Should You Keep Renting or Is It Time to Buy?

Ever wondered what you could purchase for the amount you're spending in rent each month? This handy tool will give you an idea of what your monthly mortgage payment could look like and some benefits of owning a home that may lower its real cost.

Happy MLK Day

Honoring the Legacy of Martin Luther King Jr.: A Mortgage Lender's Commitment to Diversity and Excellence in Service

If you are thinking about buying a home in 2024, now is the time to get ready

Market conditions are finally getting better, and if you are looking to buy in 2024, now is the time to get ready!

Happy New Year 2024 from all of us at TMFFMS

As we celebrate the end of 2023, we express our gratitude and appreciation for your continued support and confidence in the A Team.

Merry Xmas 2023 from all of us at TMFFMS

We want to wish you all a very happy holiday season, a merry Christmas, and a prosperous new year.

Higher Conforming Loan Limits for 2024

If you are looking to buy a home with a mortgage backed by Fannie Mae or Freddie Mac, you should know that the maximum loan amount they will accept is going up in 2024.

A Thanksgiving Message from Your Mortgage Lender

May your Thanksgiving be filled with warmth, joy, and the company of loved ones. May it be a time of reflection, gratitude, and renewed hope.

Thinking about a home renovation?

Let us explore how using home equity for improvement and renovation projects can be a smart financial move.

Retired or Retiring? Consider Downsizing to a Condo

Are you an empty-nester who is either retired or will be retired soon? If so, you might want to consider downsizing to a condo.

Top Benefits of Buying a Condo

Why condo living might just be your cup of tea.

What Are the 3 Main Types of Condos

Know the Difference: Warrantable vs. Non-Warrantable vs. Condotel

Path to homeownership

What is the path to homeownership for someone who has poor credit and does not have a down payment?

Remembering 9/11

Let us never forget 9/11, and let us always honor the memory of those who gave their lives for our freedom!

7 Top Upgrades That Significantly Increase Home Value.

In this article, we'll explore the top seven upgrades that have been shown to significantly increase a home's value.

FHA - 100% Financing

Are you a first-time homebuyer? Is your credit less than perfect? Have no down payment? Then you're in the right place!

Happy 4th of July from the A Team

On this special day, let us celebrate the independence of our nation and the values that we hold dear.

Top Mortgage Challenges Faced By First-Time Homebuyers

Buying a home for the first time can be an exciting and rewarding experience, but it also comes with its own set of challenges.

How important is a good school district?

What are the pros and cons of living in a good school district? Let's explore.

Happy Father's Day from the 'A' Team

Happy Father's Day to all the dads out there who work hard, love their kids, and make a difference in their lives.

Should You Rent Your House or Sell It?

If you are planning to move out of your current house, you may be wondering whether you should rent it out or sell it. Let's quickly explore together.

Does a Home Garden Increase Property Value?

In this blog post, we explore the relationship between a home garden and property value, highlighting the advantages that come with nurturing your own green space.

Can I use money gifts from family and friends

If you are planning to buy a house and need some extra cash for the down payment, you may be wondering if you can use money gifts from family and friends.

Happy Mother's Day from the 'A' Team

Happy Mother's Day to all the amazing moms out there! You are the superheroes of our lives, and we appreciate everything you do for us.

Top reasons pre-approved mortgages get denied

If you are planning to buy a home, getting pre-approved for a mortgage is not only a smart move, it's a must!

Top 4 Factors That Affect Real Estate Property Value

Buying or selling? Let's look at the top 4 variables that influence real estate property value.

The 5 C's of Credit Explained

What are the five C's of credit? Let's dig in and explore this frequently asked question.

What is a rate lock?

One of the questions we get a lot, especially during times of volatile interest rates is 'What is a rate lock?'

Can I use my tax return as down payment?

Hey, did you know that you can use your tax return to assist with the down payment for your next house?

What makes a house a home?

A house is not a home until it checks the following 5 checkboxes. Let's explore them together :)

What are the pros and cons of new constructions?

Buying a home comes with many decisions. One thing you've likely considered is whether or not a new construction home best fits your idea of a dream home.

March is Women's History Month

March is Women's History Month, a time to celebrate the achievements and contributions of women throughout history.

What exactly is a townhome?

What are townhomes? How do they differ from a condo or an apartment? And what are the benefits of living in a townhome?

Homestead Exemption Deadline Is March 1st, 2023

What is the homestead exemption (in Florida)? How does it work? What are the benefits? How do I claim it?

Can I buy a house with student loan debt?

Here's everything you need to know about buying a home if you have student loan debt.

Buy vs Rent: What's the Best Option for You?

When it comes to choosing between buying a home and renting one, there are pros and cons to consider for each option.

No Down Payment Programs Available for 100% Financing

Don't let a down payment keep you from becoming a homeowner. Call The 'A' Team today.

Am I ready for a mortgage?

Am I ready to buy a house? Top signs I am ready to stop renting.

Build wealth through home ownership

Fire your landlord and build wealth through home ownership.

A new year means a fresh start

New Year. New You. New Dreams. New Goals. Achieved with The "A" Team!

Happy Holidays from the 'A' Team

On behalf of all of us at The "A" Team, we wish you the happiest of winter holiday seasons!

Top reasons you should use a local lender

Whether buying or refinancing, nothing beats a local lender. Call The "A" Team today. We have 20+ years of local experience, and we put you first!

Worried about about mortgage rates? Call The 'A' Team!

So you're worried about interest rates. We get it! We have a program for that. In fact, we have several. Call us today to find out how we can help.

Get your home ready for the holidays

It's that time of year already! And from shopping for gifts or prepping for hosting duties, there are a lot of things you likely need to tackle before the holidays move into full swing.

Happy Thanksgiving from the 'A' Team

In the Spirit of Thanksgiving, we wish you all a safe and happy holiday filled with love, fulfillment, and bounty.

3-2-1 Buy Down Available for Conventional & FHA

Don't put your dream on hold. Contact the A Team and ask about our 3-2-1 Buy Down program.

Do Home Appraisals Affect Selling Price?

Home Appraisals - What are they? How do they affect selling prices and mortgage loan amounts.

Check Out Our Lot Loan Program

Buy your dream location and build later!

Looking for Quick Qualification?

TMF QuickQual is a free tool we offer all our clients to allow them to create a pre-approval letter for a specific house in real time based on the maximum amounts they are pre-approved for.

Buying a Home with Little or No Money Down

Did you know that that 20% is a recommendation and not a rule? Let us explore how you can buy a home with little or no money down.

5 Tips to Help You Sell Your Home Fast!

Getting ready to sell your home? Here are 5 sure-fire tips that will help you sell your home faster!

Do I Need Excellent Credit to Buy a House?

What credit score is needed to buy a house? Do I need to have perfect credit? Let's explore!

Should I Renovate My Home Before Selling?

Thinking of selling your home? Is renovating prior to selling a good investment to maximize the selling price?

Home Now! Opening The Door To Home Ownership

We love helping First Time Homebuyers with opening the door to homeownership. Our Home Now program may be the perfect fit to get you started.

USDA Mortgage Loans and How to Qualify

Offered by the U.S. Department of Agriculture, USDA home loans are geared towards low-to-moderate income individuals who may have difficulty qualifying for traditional mortgages, but meet USDA qualifying criteria for the mortgage loan. Let us quickly explore.

How much home can I afford?

One of the first steps of buying a home is determining how much home you can actually afford to buy. Let us explore the factors that affect home affordability.

How To Pay For Home Improvements

Whether you're looking to upgrade your home or preparing to sell, there are several options available to help you pay for your home improvements.

4 Ways to lower your energy bill this summer

With summer heating things up, check out these 4 ways to lower your energy bill while also trying to stay cool!

VA Home Loans at a Glance

Let's take a quick glance at VA Home Loans, explore who's eligible and the key benefits.

Let's explore the mortgage process

Let us demystify the mortgage process by quickly exploring the 5 major steps.

What are the top factors that affect real estate property value?

Your property value can be affected by many factors. Let's dig in and quickly explore a few of the main factors that affect property value.

Down Payment Tips

Check out these handy tips that will help you save for your down payment.

Buying a Home as an Unmarried Couple

Buying a home as an unmarried couple is an exciting endeavor, and if statistics are to be believed, it is increasingly becoming the norm.

What Is PMI?

We are often asked "What is PMI?", "Do have to pay it?, and "How can I avoid paying Private Mortgage Insurance?

Do Mortgage Pre-Approvals Expire?

Do mortgage pre-approvals have an expiration date? In this article, let's shed some light on this frequently asked question.

Tips on How to Save Up for a House

Here are a few tips for ways to save money if you plan to purchase a home.

Handy Tips To Boost Curb Appeal

Here are a few simple ways to boost curb appeal and make your home stand out from the crowd.

Listing Agent vs. Selling Agent

What's the difference between a Listing Agent and a Selling Agent, and when do you need each one?

What's Included In Your Payments? PITI

Let us demistify the four main components of your mortgage payments

4 Ways to Save Money Through Refinancing

This blog explores four ways refinancing can help save money on your mortgage

5 Steps to Getting a Mortgage Pre-Approval

Here are 5 steps to hep you get prepared for the pre-approval process

Get Ready For Your Next Home Appraisal

Here are 5 great tips for preparing your home to ensure a successful home appraisal.

7 Tips to Help You Keep Your New Year's Resolution

New Year, New You. Here are some tips to help you keep your resolutions this year.

Season's Greetings & Happy Holidays from TMFFMS

The staff at TMFFMS would like to wish all of you the best of this holiday season, the merriest Christmas and a Happy New Year 2022.

Top Five Tips on How to Stage Your Home For a Quick Sale

Selling your home is about creating a space where buyers can envision themselves living.

8 Top Mistakes First-Time Home Buyers Make

Set yourself up for success as a first-time homebuyer by avoiding these top mistakes.

Understanding how your credit score is calculated

A credit score is a quantitative value used to predict the likelihood that someone will pay back loans.

What You Need to Know About Closing Costs

Closing costs are all the fees and services related to finalizing your mortgage, when buying or refinancing your home loan.

Understanding Maximum Loan Limits

What Is the Maximum Loan Limit? A maximum loan limit is the total amount of money that an applicant is authorized to borrow

Build Your Credit - Credit Do's & Dont's

Whether buying or refinancing, your credit score and history play an important role in your ability to qualify for the home of your dream. Let's explore the Do's & Dont's.

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