Blog - Jhenesis Mortgage | Florida Mortgage Broker - Home Loans, Refinance & Best Rates

ARMs Are Back: Does an Adjustable-Rate Mortgage Make Sense With Fixed Rates at 7%?

Borrowers are quietly shifting back to adjustable-rate mortgages as fixed rates climb past 7%. Here's what an ARM actually is,...

A lis pendens doesn't automatically mean your equity is gone. Here's what's realistically still possible, why timing matters more than...

No mortgage, real equity, and still getting told no because of your credit score. Here's how asset-based and no-ratio cash-out...

You don't have to accept today's rate at face value. A 2-1 buydown lets a seller or builder pay to...

The 30-year fixed isn't the only serious option anymore. Credit-strong, equity-rich buyers are increasingly using modern ARMs as a deliberate...

The 30-year fixed crossed 7% this month for the first time since May 2025. Before you decide to wait for...

Buying from a relative, a landlord, or someone you already have a relationship with triggers a rule most buyers have...

Seller financing got you into the home when a bank wouldn't. Eventually, most owner-financed buyers want (or need) to convert...

The build is done, the property is listed or leased, and your construction loan's balloon date is coming. A DSCR...

Business owners with real equity keep hitting the same wall: every "cash-out" option means refinancing away a rate they'll never...

Your condo qualifies. Your BUILDING doesn't. Over 1,400 Florida condo buildings are currently on Fannie Mae's ineligible list here's what...

It's not about who has the lowest rate. It's about which lender saves the deal when the buyer everyone else...

"Refinance" isn't one thing, it's four different tools that solve four different problems. Here's how to figure out which one...

Most Florida veterans searching for "VA loan limits" don't actually have a limit at all. Here's who the county limits...

A standard DSCR loan wants a monthly lease. Your Airbnb has none. Here's how lenders actually calculate income on short-term...

You found a home with a 2.5% VA loan attached. Incredible rate — until you learn about the six-figure "gap"...

A private well means a water quality test most buyers have never heard of. Here's what FHA, USDA, VA, and...

Found the house before your current one sold? A bridge loan uses your existing equity to fund the down payment...

A permit pulled 15 years ago and never closed out can stall your closing today. Here's how open permits actually...

Got a lump sum and a mortgage rate you don't want to give up? A recast lowers your payment without...