The HartBeat Show Podcast

If you are considering paying cash for your home, but don’t want to be stuck depleting your asset accounts, we have a product that can help! Maybe you planned to pay with financing, but it fell through, and you had to use your retirement account. Or maybe you wanted to have an edge over financed buyers and decided to take your money out of your 401k so you could pay cash. We can help you recoup that money and put it back to work...

Do you get bonuses? How about overtime, or maybe even commission? Today we are going to talk about these unique income situations and why your lender will want to see a strong history of these types of income. Let’s go! I do Mortgages for a living, if I can ever help you buy or refinance a home let me know! • Apply for a mortgage now https://myvandyk.vandykmortgage.com/dr/c/qojpr • TEXT “APPLY” to 239-437-4278 • Call me or ...

We have talked about it before, but there is always someone out there who needs to hear this. If you are stuck under debt, whether its credit cards, student loans or medical bills, your house just might be the answer. We can talk about how you could use the equity in your home to pay off these accounts and get out from under the debt! We just helped a borrower do this and she is saving over $1,000 a month! I do Mortgages fo...

When it comes to getting a mortgage, who you use matters. We have talked about it before but there are some big differences between using a local lender and a big bank. Today I want to talk about some of those points, because getting a mortgage is one of the biggest purchases you will make, and we want your experience to be as smooth and painless as possible. So, check it out and see how using a local lender can save you a lot ...

Most of the time people who are looking to get pre-approved are focused on finding out what they can qualify for. BUT today I want to talk to you about the difference between what you can afford, and what you can qualify for because they are not always the same. Getting your payments where they need to be is a huge part of the mortgage process, so let’s dive in! I do Mortgages for a living, if I can ever help you buy or refin...

We get asked this a lot from first time home buyers, “Is FHA the best loan for me?” and today we are going to talk about it! The truth is… it depends! Every situation is different, and every loan is different. So, we are going to talk about some reasons why FHA or Conventional may be better for you! I do Mortgages for a living, if I can ever help you buy or refinance a home let me know! • Apply for a mortgage now https://myvan...

You may have heard the term DTI: Debt to Income Ratio. You may have even tried to start figuring out and calculating what your debt to income is for your loan. But what does this really mean, how do you figure out what your ratio is? The first step is to understand what goes into your ratio, we’re talking about it today! I do Mortgages for a living, if I can ever help you buy or refinance a home let me know! • Apply for a mo...

he other day we had a listing agent and seller ask us for a copy of the appraisal. Is there anything wrong with that? No, there isn’t anything wrong with the seller’s requesting a copy of the appraisal. BUT, the kicker is it really isn’t ours to give. As a buyer, when you pay for your appraisal, it belongs to you! So as the lender we always refer the sellers or seller’s agent to speak to the buyer and the buyer’s agent. If the...

Cash out for manufactured homes, there is a lot of buzz around this topic lately, some lenders may not offer any products that cater to manufactured homes. If you have a manufactured home, and you own the land as well we have some loan options that can help you tap into the equity in your home and pull cash out. Let’s talk about how that could benefit you! I do Mortgages for a living, if I can ever help you buy or refinance...

I always love it when we can close these types of loans. Recently we had a past client of ours talk to us about doing a cash out refinance to pay off credit cards and some other debts she had. She was buried and it would have taken her a very long time to get out from under the debt she had hanging over her. We know that can be a tough struggle and are so happy that we were able to help her save well over a grand every month an...

If you live in Lee county and you had any damage due to Hurricane Ian, this video is for you! I'm talking with Matt Caldwell from Lee County Property Appraiser about what they are doing to help out Lee County residents effected by the hurricane. If you have any damage, no matter if its missing shingles and a ripped screen, or if you took on 3 ft of water or needed a new roof, you need to watch this video to learn how to rep...

Are you a homeowner in Lee County? Or purchasing a new property and moving to Lee County? You won't want to miss this video I did with Matt Caldwell of Lee County Property Appraisers. He was nice enough to come on and talk to us about all of the different exemptions for Lee County residents to take advantage of. We cover how homestead exemption works, and other exemptions you may not have known about but could save you bi...

Is credit repair really worth it? What does credit repair really do? How is my credit score calculated? You might have asked yourself some of those questions before. Today we are talking with Alyssa Scott to get the answers to those and other credit questions. Credit repair can absolutely be worth it, but its important you understand how it works, and when its needed. So if you have considered credit repair you won't want to ...

Down Payment Assistance is available in Florida for certain professions like Teacher, Police Officer, Veterans, Firefighter, Nurse and many others.  

This program started on June 1st and is available to First Time Homebuyers in Florida.  

The buyer can get 5% of the loan amount up to $25,000, whichever is less.  

First Time Homebuyer is someone that has owned a home in the last three years AND lived in it.  

If ...

What will happen if you get in an accident while texting while driving? This question was on my mind and I decided to talk to my friend, Leland Garvin with Garvin Law Firm.

You and I both see it when you are driving. Car after car driving by, head down, reading their phone while driving.  It happens a lot! Leland and I discuss the penalties for driving while texting and of course talk about the dangers.  

Hopefully you en...

We just finished a Facebook Live video and it is loaded with great information for anyone that is thinking about filing a claim or is in the process of filing a claim due to Hurricane Ian. I wanted to share this with you right away.

Brian Chapman of Chapman Insurance covered so many parts of the claims process. Please share this episode with someone that is on the fence about making a claim.

We cover some of the following topics an...

When The Same Loan Amount Equals Different Payments  

If you are out shopping for a home then you will want to listen to this episode!

Let’s just say you have a pre-approval for $500k and are doing 20% down. Loan amount of $400k.  

In this episode, I explain how the same loan amount can equal much different monthly payment amounts.  

Here is a short test case.  

1st $500k house. Built in 1926, in a flood zone, r...

Erin Fusco from Valley Bank gave a presentation to our networking group and I thought it was really good.

She answered the question “What is a Certificate of Deposit?” As usual, when I see or hear interesting content, I like to share it. Check out the video to learn more about CD’s. You can also reach out to Erin at  if you have any other questions or concerns.

I do Mortgages for a living, if I can ever help you buy or re...

Get to know one of our new Loan Officers, Jerry Roames. He joined our team in August and is located in Ocala, Florida. We got a chance to discuss why he got back into the mortgage business, his goals and how being a pastor has helped him in the mortgage business.

We also get to ask him some less serious questions like his favorite food and movie. Spoiler alert: It starred Tom Hanks

Jerry will be serving Florida and Virginia for our...