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Looking to buy a house in Florida or anywhere else? I am a licensed professional mortgage advisor in Port Saint Lucie, Florida. Have questions about home loans and the home buying process? Look no further! We will talk about the loan process, available mortgage programs (Conventional, FHA, VA, USDA, Reverse Mortgages, Jumbo, Non-QM, etc) explain mortgage terms, current market trends and any other popular mortgage topic that adds value. Support this podcast: https://anchor.fm/emmett-dempsey/s ...
 
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What Makes Up The FICO Credit Score? There are 5 factors of the FICO Credit Score : -Payment History -Amounts Owed -Length of Credit History -New Credit -Types of Credit Watch to learn more about how these factor into your FICO credit score and buying a home. 📱 ***Mobile App Get access to FREE buyers guides, content and calculators right on your sm…
 
What Credit Score Is Needed To Buy A House these days? Well the answer it it depends. Credit score is a very important component of your loan application. After COVID 19, credit score has become more important. Watch to learn more about credit score to buy a house. 📱 ***Mobile App Get access to FREE buyers guides, content and calculators right on y…
 
The VA IRRRL is a great loan for veterans. The VA IRRRL allows those who have a VA loan to lower their interest rate without any income/asset documentation or not. However, you need to make sure you know the VA IRRRL rules. This video helps to explain them. 📱 ***Mobile App Get access to FREE buyers guides, content and calculators right on your smar…
 
Understanding The Closing Disclosure - Mortgage Settlement Statement Explained! The Closing Disclosure or CD is part of the TILA/RESPA Integrated Disclosure rule or TRID. It is the companion to the Loan Estimate or LE and shows your final charges. In this video I will go into detail as to what each section means to match back to the LE to ensure yo…
 
Two VA Loans At The Same Time - Yes Its possible to get a second VA loan. All you have to do it a little math and you can have two VA loans at the same time. Key Terms -VA Entitlement -$144,001 minimum loan -$36,000 base entitlement -Secondary entitlement based on county loan limit 📱 ***Mobile App Get access to FREE buyers guides, content and calcu…
 
Rent Or Buy A House 2020? Should you rent or buy a house in 2020? Want to 46X your wealth? In this video I do a deep dive into the numbers about renting vs buying a home. I do some in-depth screen shares with actual local rental stats and why buying a house is a good idea. 🏠 Website https://dempseymortgage.com 📱 Facebook Messenger I will Answer any…
 
What are the closing costs on a refinance of your home mortgage? Well that depends of course. A refinance does have closing costs but with rates this low...all time lows....the juice of the closing costs is worth it to refinance. 📱 ***Mobile App Get access to FREE buyers guides, content and calculators right on your smartphone! https://emmettdempse…
 
Mortgage Paper Work is probably the most unpleasant part of the process. But there is a reason we need all that paper work to make sure your mortgage is processed properly. 📱 ***Mobile App Get access to FREE buyers guides, content and calculators right on your smartphone! https://emmettdempsey.cardtapp.com 🏠 Website https://dempseymortgage.com 📱 Fa…
 
Mortgage Forbearance Pros And Cons Coronavirus - Should you go into Mortgage Forbearance because of the Coronavirus? What are the pros and cons? Well we talk all about that from a Mortgage professional perspective. 🏠 Website https://dempseymortgage.com 📱 Facebook Messenger I will Answer any Mortgage and Real Estate Question you have https://m.me/em…
 
Loan Estimate Explained - What is the Loan Estimate or LE for short? It is an important document that provides an estimate on your interest rate and closing costs. The loan estimate is a very important part of your initial disclosure package and we do a deep dive into every section in this video. 📱 ***Mobile App Get access to FREE buyers guides, co…
 
How To Get Preapproved For A Home Loan Thank you so much for watching and don't forget to subscribe! 🏠 Website https://dempseymortgage.com 📱 Facebook Messenger I will Answer any Mortgage and Real Estate Question you have https://m.me/emmett.dempsey2 📸 Follow Me on Instagram http://www.instagram.com/emmettmortgage 💼 Follow Me on LinkedIN https://www…
 
How Much Mortgage Can I Afford? When looking at a house, you want to know you can afford the mortgage payment right? Well we will look at answering how much mortgage can i afford? 📱 ***Mobile App Get access to FREE buyers guides, content and calculators right on your smartphone! https://emmettdempsey.cardtapp.com 🏠 Website https://dempseymortgage.c…
 
How Much Home Can I Afford In Florida - This is one of the biggest questions my clients ask me. Knowing how much home you can afford BEFORE you make offers is very important. You can look at a home with certainty that you can afford it and that the payment something you can afford in your budget. I will give some examples in this video on what to l…
 
Today we talk about the FHA Vs Conventional Loan question. Which mortgage loan is right for you. Both the FHA and Conventional Loan are great, but it depends on your situation. This video helps spell out the difference between each loan. 📱 ***Mobile App Get access to FREE buyers guides, content and calculators right on your smartphone! https://emme…
 
Disney World Reopening 2020 and a Dempsey Family Trip. As usual, we went to Walt Disney World and experienced the Reopening for 2020. It was a unique experience as a Pass Holder. We never went during the summer, but the lines were so short for the best rides. Here is a few video shots of our family trip. 📱 ***Mobile App Get access to FREE buyers gu…
 
Fannie Mae and Freddie Mac Loan Limits have been increased by the FHFA for 2021! How does that help you as a mortgage borrower? It can help a great deal depending on your situation. Watch to find out more! Thank you so much for watching and don't forget to subscribe! 🏠 Website https://dempseymortgage.com 📱 Facebook Messenger I will Answer any Mortg…
 
Port St Lucie Homes For Sale - Why Buy Before 2020? Homestead. It is a very important tax savings that you could miss out on for 2020 if you wait. My friend Ashley Kane from Branca Realty Helps explain. ❤ Enjoying this video? Be sure to L I K E and S H A R E the love. ❤ I'm a 10+ year mortgage professional here in Port St Lucie, Florida. I am a US …
 
Cosigning A Mortgage - How does it work? How can it help you qualify? ❤ Enjoying this video? Be sure to L I K E and S H A R E the love. ❤ I'm a 10+ year mortgage professional here in Port St Lucie, Florida. I am a US Army Veteran (AIRBORNE!) husband and father of 4 lovely kids...and a Belgian Malinois named Leo. I love helping families with their h…
 
Flying Panda Port St Lucie Florida is a great place to bring the kids. Here is a little video of me jumping with my 3 younger kids on a typical Dempsey Saturday. For more info go to: https://www.flyingpanda.info/ ❤ Enjoying this video? Be sure to L I K E and S H A R E the love. ❤ I'm a 10+ year mortgage professional here in Port St Lucie, Florida. …
 
What is the Home Appraisal Process? What does an appraiser do? What do they look for? Watch this video to find out. Please comment, subscribe, and share! ❤ Enjoying this video? Be sure to L I K E and S H A R E the love. ❤ I'm a 10+ year mortgage professional here in Port St Lucie, Florida. I am a US Army Veteran (AIRBORNE!) husband and father of 4 …
 
Title Insurance Explained - What Is It and Why Do You Need It? Watch to find out more! ❤ Enjoying this podcast? Be sure to L I K E and S H A R E the love. ❤ I'm a 10+ year mortgage professional here in Port St Lucie, Florida. I am a US Army Veteran (AIRBORNE!) husband and father of 4 lovely kids...and a Belgian Malinois named Leo. I love helping fa…
 
What is the Mortgage Rate Forecast for 2019 and beyond? The Fed cut the rates! How does that affect mortgage rates?? Watch to find out! ❤ Enjoying this video? Be sure to L I K E and S H A R E the love. ❤ I'm a 10+ year mortgage professional here in Port St Lucie, Florida. I am a US Army Veteran (AIRBORNE!) husband and father of 4 lovely kids...and …
 
Living in Port St Lucie or anywhere in Florida, preparing for a Hurricane is a fact of life. Here is my own personal journey getting ready for Hurricane Dorian in 2019. ❤ Enjoying this episode? Be sure to L I K E and S H A R E the love. ❤ I'm a 10+ year mortgage professional here in Port St Lucie, Florida. I am a US Army Veteran (AIRBORNE!) husband…
 
What is a VA IRRRL Refinance? It is a way for veterans to lower their interest rate with a simple streamline loan. Watch this video to find out more about the pros and cons! ❤ Enjoying this episode? Be sure to L I K E and S H A R E the love. ❤ I'm a 10+ year mortgage professional here in Port St Lucie, Florida. I am a US Army Veteran (AIRBORNE!) hu…
 
What Is Mortgage Underwriting? Its a crucial part of the process. Watch to find out more! Please like, share and subscribe! ❤ Enjoying this episode? Be sure to L I K E and S H A R E the love. ❤ I'm a 10+ year mortgage professional here in Port St Lucie, Florida. I am a US Army Veteran (AIRBORNE!) husband and father of 4 lovely kids...and a Belgian …
 
If you are a getting a mortgage you may be at the Processing stage. So what does a Mortgage Processor do? A LOT! Watch this video to find out more about the Mortgage Processor! ❤ Enjoying this episode? Be sure to L I K E and S H A R E the love. ❤ I'm a 10+ year mortgage professional here in Port St Lucie, Florida. I am a US Army Veteran (AIRBORNE!)…
 
Mortgage Disclosures. What are they? What is all that paper work anyway? Essentially they acknowledge that you applied for a mortgage. They are NOT the final figures! You do that ❤ Enjoying this episode? Be sure to L I K E and S H A R E the love. ❤ I'm a 10+ year mortgage professional here in Port St Lucie, Florida. I am a US Army Veteran (AIRBORNE…
 
In this video we explore the Top Five Parks in Port St Lucie Florida. I am a father of 4 kids, and finding good parks to keep them entertained is a MUST! Here are five of our favorites around the city. ❤ Enjoying this episode? Be sure to L I K E and S H A R E the love. ❤ I'm a 10+ year mortgage professional here in Port St Lucie, Florida. I am a US…
 
Are you looking to refinance your mortgage? Are you curious about the mortgage refinance process? Well this video lays out the key steps you need to do to make sure your mortgage refinance goes smoothly. Also included is a Mortgage Coach comparison showing the benefits of cash out and payment savings. I also show what would happen when you reinvest…
 
The Bank Statement Mortgage can help the self employed get a mortgage that they would ordinarily be turned down for. Have you been in the same business for at least 2 years? Then a bank statement mortgage loan may be right for you! ❤ Enjoying this episode? Be sure to L I K E and S H A R E the love. ❤ I'm a 10+ year mortgage professional here in Por…
 
How to Calculate the Debt To Income Ratio For Getting A Mortgage. Your Debt to Income or DTI is a very important metric. It can mean the difference between your loan getting approved or denied. Make sure you know your DTI! ❤ Enjoying this episode? Be sure to L I K E and S H A R E the love. ❤ I'm a 10+ year mortgage professional here in Port St Luci…
 
Can you have two VA loans at the same time? Yes you can! Watch this video to find out more about your secondary entitlement. ❤ Enjoying this episode? Be sure to L I K E and S H A R E the love. ❤ I'm a 10+ year mortgage professional here in Port St Lucie, Florida. I am a US Army Veteran (AIRBORNE!) husband and father of 4 lovely kids...and a Belgian…
 
The VA Funding Fee Explained - Know how much you will pay based on your situation as a veteran borrower. ❤ Enjoying this episode? Be sure to L I K E and S H A R E the love. ❤ I'm a 10+ year mortgage professional here in Port St Lucie, Florida. I am a US Army Veteran (AIRBORNE!) husband and father of 4 lovely kids...and a Belgian Malinois named Leo.…
 
Buying A Home With A VA Loan? This video walks through the 5 steps of the process. Most importantly talk to a lender like me that is a veteran and can walk you through the process! ❤ Enjoying this episode? Be sure to L I K E and S H A R E the love. ❤ I'm a 10+ year mortgage professional here in Port St Lucie, Florida. I am a US Army Veteran (AIRBOR…
 
Client Testimonial from Sarah Gerald Bramble and Perry Bramble. They are both Army Veterans, and I love helping my fellow vets buy a home! They bought using their VA loan, and got a great deal and we closed in under 30 days! Honored to have helped them with their VA purchase ❤ Enjoying this podcast? Be sure to L I K E and S H A R E the love. ❤ I'm …
 
Florida Property Taxes are an important topic to understand when looking to purchase a home. Understanding how they work is a key point in your due diligence that I can help you with. Check out the property appraiser websites in your county to check the tax bills of properties you are interested in. Some links: St Lucie County - https://www.paslc.o…
 
FHA vs Conventional - Which is a better mortgage? It depends! FHA and Conventional each have their own advantages and disadvantages. Watch this video to learn more! ❤ Enjoying this podcast? Be sure to L I K E and S H A R E the love. ❤ I'm a 10+ year mortgage professional here in Port St Lucie, Florida. I am a US Army Veteran (AIRBORNE!) husband and…
 
Port St Lucie Florida Tour Series - Pop Stroke In Tradition Come view a little tour of Port St Lucie's newest entertainment venue! ❤ Enjoying this video? Be sure to L I K E and S H A R E the love. ❤ I'm a 10+ year mortgage professional here in Port St Lucie, Florida. I am a US Army Veteran (AIRBORNE!) husband and father of 4 lovely kids...and a Bel…
 
Client Testimonial from Angel and Erica Aponte. They are a lovely couple, and I am thrilled that I was able to help their family with their mortgage needs. They were able to buy a newly built home and close in 17 days!! Thank you again to Ashley Kane from Branca Realty who is a super star! ❤ Enjoying this video? Be sure to L I K E and S H A R E the…
 
Closing Disclosure Explanation from Emmett Dempsey. The HUD-1 is no longer used for most loans. Learn more about the Closing Disclosure (CD). #TRID #ClosingDisclosure #Mortgage ❤ Enjoying this podcast? Be sure to L I K E and S H A R E the love. ❤ I'm a 10+ year mortgage professional here in Port St Lucie, Florida. I am a US Army Veteran (AIRBORNE!)…
 
Loan Estimate Explained - Understanding Your Mortgage Costs and Fees The Loan Estimate or LE is the key document you will receive in your mortgage disclosures. It details all the loan terms, costs and fees of your new mortgage. Understanding this document is important as an informed mortgage client. #loanestimate #mortgage #goodfaithestimate ❤ Enjo…
 
Are you thinking about moving to Port St Lucie? Here are 10 Reasons Why You Should. Read the accompanying post on my BLOG at: https://www.dempseymortgage.com/moving-port-st-lucie-fl/ ❤ Enjoying this video? Be sure to L I K E and S H A R E the love. ❤ I'm a 10+ year mortgage professional here in Port St Lucie, Florida. I am a US Army Veteran (AIRBOR…
 
Fun testimonial recorded at the closing table of Bob and Deb Shaffer. This is the second time they have closed with me, and I am very happy to help them again! #refinance #mortgage #homeowner I'm a 10+ year mortgage professional here in Port St Lucie, Florida. I am a US Army Veteran (AIRBORNE!) husband and father of 4 lovely kids...and a Belgian Ma…
 
Mortgage Insurance Explained - What Is It Exactly? It is actually a big deal for the mortgage industry. Watch to learn why! #mortgageinsurance #pmi #buyingahome I'm a 10+ year mortgage professional here in Port St Lucie, Florida. I am a US Army Veteran (AIRBORNE!) husband and father of 4 lovely kids...and a Belgian Malinois named Leo. I love helpin…
 
How Much Mortgage Can I Get Approved For? That is probably the #1 question my clients want to know. The answer is different for everyone. Listed to this podcast to find out more! #mortgage #firsttimehomebuyer #mortgageapproval I'm a 10+ year mortgage professional here in Port St Lucie, Florida. I am a US Army Veteran (AIRBORNE!) husband and father …
 
FHA Loans 2019. What You Need To Know to buy your next house. Find out the ins and outs of the FHA loan to help you buy or refinance your home. #fha #fhahomeloan #fhaloan Facebook - https://www.facebook.com/emmettmortgage Instagram - https://www.instagram.com/emmettmortgage LinkedIn - https://www.linkedin.com/in/mortgageloansflorida Twitter - https…
 
Are you curious about Getting a Mortgage After Bankruptcy, Foreclosure Or Short Sale? What is the Wait to Buy a House? Well listen and find out! #buyingahouse #bankruptcy #foreclosure Facebook - https://www.facebook.com/emmettmortgage Instagram - https://www.instagram.com/emmettmortgage LinkedIn - https://www.linkedin.com/in/mortgageloansflorida Tw…
 
How Are Mortgage Rates Determined? Your rate on your home loan are determined by two different main reasons: -Things You CAN control - Things like FICO scores, down payment, etc. -Things You CAN't control - Like the economy and the bond market My Social Media: Facebook - https://www.facebook.com/emmettmortgage/ Instagram - https://www.instagram.com…
 
You may have heard the FHFA increased the conforming loan limit. WHAT? What does that REALLY mean for you as a current or prospective home buyer? Watch this video to find out why this is GREAT news!Facebook - https://www.facebook.com/dempseymortgagegroupInstagram - https://www.instagram.com/emmettmortgageLinkedIn - https://www.linkedin.com/in/mortg…
 
A recent article highlighted how nearly 75% of Americans think that renting is cheaper than owning. Nothing could be further from the truth. This video has a detailed Mortgage Coach Buy vs Rent analysis to explain why.Facebook - https://www.facebook.com/dempseymortgagegroupInstagram - https://www.instagram.com/emmettmortgageLinkedIn - https://www.l…
 
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