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Florida market updates, mortgage program news, and practical guides for your next home purchase.
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Featured article · FHA Mortgagee Letter 2026-12 · Published and effective October 14, 2026
HUD now accepts FHA multifamily mortgage-insurance applications for qualifying Build-to-Rent communities made up of single-family homes, duplexes or triplexes. The immediate policy change has specific site, program and underwriting conditions.
Read articleFreddie Mac will retire the standalone GreenCHOICE offering and broaden CHOICEReno eXPress for smaller renovation projects. The main changes apply to Loan Product Advisor submissions or resubmissions on or after January 25, 2027.
Read articleSeptember sales softened, while third-quarter totals remained slightly positive. State and South Florida data show different price and supply conditions for single-family homes and condos.
Read articleFannie Mae added flexibility for employment verification and clarified how lenders document income continuance, job offers and certain Schedule K-1 income. Most changes are effective now; the K-1 rule applies to applications dated on or after December 2, 2026.
Read articleFannie Mae and Freddie Mac began requiring the redesigned UAD 3.6 appraisal format on November 2, 2026, while approved temporary exceptions allow certain lenders to continue using legacy reports. FHA remains on its own optional timeline.
Read articleFlorida Housing lists 2026 program terms for eligible workers, service members, and veterans. The official page does not show a live funding balance, so availability must be confirmed before relying on the assistance.
Read articleFHA published a draft modernization of its minimum property requirements on September 22, 2026. It is open for feedback and is not current policy.
Read articleStatewide sales declined modestly, median prices increased, and South Florida counties showed different conditions for single-family buyers.
Read articleVantageScore 4.0 is broadly available to approved Fannie Mae and Freddie Mac lenders. FHA has now issued its final score-selection method for case numbers assigned on or after January 1, 2027.
Read articlePlanning to rent your current home or buy a short-term rental? Review the revised documentation rules before counting rental income in your next mortgage application.
Read articleSales increased, but houses and condos tell different stories. Here is how to read the latest statewide figures.
Read articleThe annual limits changed. Your property location and number of units determine which figure applies.
Read articleFannie Mae updated its area income figures in June. Learn what to check before ruling out this conventional option.
Read articleCollier, Miami-Dade, Palm Beach, and Broward show why price and demand need to be evaluated separately.
Read articleA practical plan for your budget, savings, assistance options, and loan comparison.
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