Homebuying
The Florida Mortgage Process, Explained in 10 Minutes
Walk through pre-approval, shopping, offer, underwriting, and closing — the Florida-specific version.
Pre-approval basics
What documents to gather and how a lender turns them into a pre-approval letter you can shop with.
Making an offer
How pre-approval strength, escrow deposit, and contingencies shape whether Florida sellers pick you.
Underwriting and appraisal
What the underwriter is really checking, why appraisals sometimes come in low in hot markets, and how to respond.
Closing day
What happens at the title company, what to bring, and when you actually get the keys.
Want to talk through your situation?
Peter answers every inquiry personally. Reach out any time.
Contact usMore videos
Homebuying
How to Read a Loan Estimate (Line by Line)
The three-page Loan Estimate is your best tool for comparing lenders. Here's how to actually use it.
Refinancing
Refinance Math in 3 Minutes
Break-even, total interest, and whether extending your term is a mistake.
Commercial
SBA 504 vs Conventional CRE — Which Is Cheaper?
For owner-occupied Florida commercial property, SBA 504 usually wins. Here's why (and when it doesn't).