Mortgage News | Treasure Coast Home Loans
Check out the latest news and mortgage advice from Treasure Coast Home Loans
“Real estate cannot be lost or stolen, nor can it be carried away. Purchased with common sense, paid for in full, and managed with reasonable care, it is about the safest investment in the world.” –Franklin D. Roosevelt
Learn how to negotiate a home purchase in Florida, make a competitive offer, request seller concessions, and protect your finances before closing.
Explore Florida first-time homebuyer programs, FHA, USDA, VA, conventional loans, down payment assistance, credit requirements, and mortgage approval.
What if the number you’ve been watching for years isn’t the only thing determining whether you can buy a home? For many people, their credit score has become a verdict. A 560? I can’t buy. A 590? I need to wait. A 610? Nobody will approve me. But mortgage lending is changing, and some of those assumptions deserve a second look. In October 2026, a major mortgage lender announced it was removing its own minimum credit-score restrictions for certain conventional, FHA, VA, and USDA mortgages. That doesn’t mean everyone with a low credit score can suddenly buy a home. But it does raise an important question.
See how 5% down instead of 3.5% may lower FHA mortgage insurance and potentially help a home fit your qualifying payment.
Buying a Florida business? Learn how an SBA loan may help finance the purchase, working capital, equipment and other eligible business needs.
Before buying a Florida home, look beyond the house. The neighborhood, roads, lighting and location matter too.
Will rates rise, home prices crash, or AI change real estate? What Florida buyers need to know in 2026.
Self employed less than a year? Learn how W2 employment and FHA guidelines may create another path to buying a home.
Learn how Freddie Mac may let eligible assets help you qualify for a mortgage.
Everyone Says Homes Are Unaffordable. What If You Shopped the Entire Homeownership Equation Instead?
Think you cannot afford a Florida home? Learn how property type, mortgage insurance, HOA costs, flood insurance, ARMs and other strategies can change the numbers.