Business Owner Loans

Written by St. Augustine Mortgage Syndicated User on March 1, 2026. Posted in Mortgage St. Augustine, St. Augustine, St. Augustine Mortgage.

? Many buyers and investors struggle because traditional income documents don’t show their true earning power. Our Business Owners mortgage program uses bank statements instead of tax returns or pay stubs. This helps self-employed individuals, business owners, and those with seasonal or irregular income qualify more easily. ? Up to 90% loan-to-value ? Minimum credit scores: 700 for primary homes with 10% down, 660 for other properties with 20% down ? No tax returns, pay stubs, or W2s needed ? Supports primary, secondary, and investment properties ? Loan amounts up to $5 million See if...

Florida Home Buyers

Written by St. Augustine Mortgage Syndicated User on February 28, 2026. Posted in Mortgage St. Augustine, St. Augustine, St. Augustine Mortgage.

Florida home buyers, struggling with income verification for your first home? Many first-time buyers face this roadblock because traditional documents don’t show the full picture. Bank Statement Mortgages let you qualify using your bank statements instead of W2s, tax returns, or pay stubs. Whether you’re self-employed or have seasonal income, this program offers flexibility with various down payment options and supports financing for primary, secondary, or investment properties. You can finance up to 90% LTV with credit scores starting at 660. No reserves needed on loans 65%...

Top Mistakes Homeowners Are Making in 2026 (And How To Avoid Them)

Written by St. Augustine Mortgage Syndicated User on February 26, 2026. Posted in For Sellers, Price It Right/Overpricing, Selling Tips, St. Augustine, St. Augustine Mortgage.

Let’s be clear: selling your house is absolutely possible right now. According to the National Association of Realtors (NAR), roughly 11k homes sell every day in this country.And the sellers who are making their moves happen all have one thing in common: they’ve adjusted their strategy to match today’s market. They’re realizing inventory has grown. Homebuyers are more selective. And buyer expectations are higher.The sellers who struggle are usually approaching today’s market with yesterday’s expectations. Here are the three biggest mistakes they’re making – and how to avoid them.1....

Lenders denying your DSCR loans?

Written by St. Augustine Mortgage Syndicated User on February 26, 2026. Posted in Mortgage St. Augustine, St. Augustine, St. Augustine Mortgage.

Lenders denying DSCR loans? You’re not alone. Many investors face the same challenge when applying through traditional lenders. Fidelity Home Group offers a solution that doesn’t require personal income verification…but can use it if needed. Our DSCR loan program is designed to help you qualify using your property’s cash flow. We understand the local market and have helped numerous Florida investors secure financing with fewer hurdles. Our team is available evenings and weekends to guide you through a smooth process. Start your journey today—no personal...

Renting vs. Buying: The Numbers Might Surprise You

Written by St. Augustine Mortgage Syndicated User on February 25, 2026. Posted in Affordability, First-Time Buyers, For Buyers, Rent vs. Buy, St. Augustine, St. Augustine Mortgage.

Renting can feel like the easier choice right now. There’s no big down payment. No dealing with surprise repairs. And no long-term commitment.But then your rent goes up again. And again. And suddenly the thing that seemed flexible starts looking… expensive, especially considering you’re not building any equity. And once that happens, it’s easy to feel a little trapped in the cycle.That’s because there’s so much chatter today about how buying a home isn’t affordable. But the truth is, the math may work out better than you’d expect based on what’s changed recently.Buying Is More...

When your DSCR loan approval hits different.

Written by St. Augustine Mortgage Syndicated User on February 25, 2026. Posted in Mortgage St. Augustine, St. Augustine, St. Augustine Mortgage.

Denied loans in Florida? Discover how DSCR mortgage programs can change the game for investors and homebuyers alike. No personal income needed — just a smart loan solution. Link in bio to qualify now! #FloridaRealEstate #DSCRLoans #MortgageTips #HomeBuying #RealEstateInvesting

How Your Equity Could Help Younger Generations Buy a Home

Written by St. Augustine Mortgage Syndicated User on February 23, 2026. Posted in Equity, For Sellers, Senior Market, St. Augustine, St. Augustine Mortgage.

For a lot of parents or grandparents, watching a family member struggle to buy their first home right now is hard. That’s because you saw firsthand how homeownership gave your life more stability and helped grow your net worth – and you want your loved ones to have those same opportunities.But with all the affordability challenges in recent years, that can feel like an uphill battle – even though it’s slowly improving lately. Here’s what you may not realize. You may be in a unique position to help (thanks to the equity in your current house).The Equity Advantage You May Not Be...

Understanding Second Home Rates

Written by St. Augustine Mortgage Syndicated User on February 23, 2026. Posted in Mortgage St. Augustine, St. Augustine, St. Augustine Mortgage.

? Buying a second home in Florida? Here’s what you need to know about second rates. • These loans can have different rates than primary home mortgages. • Florida second home properties are commonly non-warrantable condos or condotels along the coast. • Second homes are used less than 180 days a year. Learn more about our second home mortgage programs: https://www.fidelityhomegroup.com/second-home-mortgages/ Got questions? Drop what you need to know below! ? ? Link in profile #FloridaHomes #SecondHomeLoans #NonWarrantableCondo #EmeraldRealEstate #HomeBuyingTips #Condotels

Early Spring Preview: Getting Ready for Festival Season

Written by St. Augustine Mortgage Syndicated User on February 21, 2026. Posted in About OldCity, Art, Culture & Music, Events, Special Events, Spring Activities, St. Augustine, St. Augustine Festivals, St. Augustine Mortgage.

Late February marks the end of one season and the budding of a new one, which means the winter chill begins to lift and sunshine heralds new, blossoming life. It also means St. Augustine begins to stir out of its winter hibernation in anticipation of festival season. From late February through April, this city transforms into something even more alive than usual, with music filling the plazas, seafood sizzling along the waterfront, and performances spilling out of every courtyard and theater. If you’re trying to plan a spring visit, or just figure out which weekends to clear your...

Meet Our Attorney

Written by St. Augustine Mortgage Syndicated User on February 21, 2026. Posted in St. Augustine, St. Augustine Mortgage.

Meet Isabelle Lopez, St. Augustine’s City Attorney, and learn about her extensive expertise in municipal law, including land use, contracts, and constitutional claims. Discover her certifications and background, along with information on the Assistant City Attorney’s roles, including advising city departments and prosecuting ordinance violations.

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