Loan Program Highlights You Can Use Right Now

From first-time buyer options to investor-focused loans, here are the standouts this week:

• Conventional (8–30 year) — significant pricing wins across the board.
• ONE% Down Payment — 2% grant (forgivable) via Rocket Mortgage; ideal for first-time buyers.
• HomeReady / Home Possible — up to $3,500 in credits for first-time buyers.
• Home Equity Loan (to $500k) — fixed 30 & 15 options; $795 origination fee waived; AVM, no appraisal.
• FHA (30-year & 5/1 ARM) — very aggressive pricing.
• VA (30-year & 5/1 ARM) — aggressive pricing remains.
• Jumbo Smart (to $3M) — big wins at ≤80% LTV (max 89.99%; appraisal required).
• Jumbo 7/6 ARM (to $2M) — often better than 30-year fixed; max LTV 80%; DTI 45%.
• Jumbo Interest Only (40-year) — 10 years IO, then amortized over 30 years.
• Non-QM (Bank Statement / Asset Depletion) — competitive pricing; investor-friendly.
• Temporary Rate Buydowns — 3-2-1, 2-1, 1-0 options; seller, builder, or agent can fund.
• Non-Warrantable Condos — yes, there are solutions.
• DSCR & Bridge Loans — popular with investors looking to scale.

Pricing Enhancements (Buyer-Friendly)

• +40 bps on Conv/FHA/VA.
• -30 bps on all cash-out and rate/term refis.
• -75 to -100 bps on investment & second homes.
• -100 bps on HomeReady / Home Possible.
• $795 origination fee waived on Home Equity Loans.

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Fort Lauderdale home valuation,
Oakland Park home valuation,
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Market Watch: Trade, the Fed, and Inflation

Trade Snapshot

• President Trump extended a trade truce with China for 90 days.
• Analysts expect faster inflation normalization with more stable tariffs.

Fed Chair Watch

Among the names discussed: Michelle Bowman, Philip Jefferson, and Lorie Logan, with Kevin Hassett and Christopher Waller also noted. Markets are monitoring the selection process for rate-path clues.

Inflation Data

• Headline CPI is running about 3.1% year-over-year, a tick hot versus expectations.
• Shelter remains the primary driver, with a notable monthly increase.
• Despite the uptick, the report was within a market-friendly range and did not jar rates.

The Week Ahead

• Tuesday: Three Fed speakers.
• Thursday: PPI release.
• Friday: Retail Sales report.

How This Helps South Florida Buyers & Sellers

If you’re comparing neighborhoods, start with our community pages:
Fort Lauderdale,
Oakland Park,
Weston, and
Pembroke Pines.
When you’re ready, we’ll guide you through down payment assistance, Jumbo options, non-warrantable condo solutions, and more.

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