(727) 914-9397
How Serious Is the Current Housing Shortage And What Gives Buyers an Edge?
A Deep and Growing Gap Between Demand and Supply The housing shortage we face today is not a temporary hiccup — it’s the result of years of underbuilding, growing household demand, and systemic barri... ...more
Mortgage
September 29, 2025•3 min read
Is the 28 % Rule Still Valid for Homebuyers?
When planning to buy a home, many people turn to simple “rules of thumb” to guide them. One of the most popular is the 28 % rule: your monthly housing costs (mortgage, taxes, insurance, etc.) should n... ...more
Mortgage
September 29, 2025•3 min read
USDA Loans: The Zero-Down Mortgage With a Surprising Income Limit
What Is a USDA Loan? When it comes to affordable home financing, USDA loans are one of the best-kept secrets in the mortgage world. Backed by the U.S. Department of Agriculture, these loans are desig... ...more
Mortgage
August 26, 2025•3 min read
Should You Lock In Your Mortgage Rate Right Now? A Timely Guide for Homebuyers
Mortgage Rates Are Teetering—But Not Tumbling Mortgage rates have dipped slightly in recent weeks, sparking curiosity among buyers: Is now the moment to lock in a mortgage rate? While 30-year, 15-yea... ...more
Mortgage
August 26, 2025•3 min read
What’s the Real Outlook for Mortgage Rates in 2025
If you’re watching mortgage rates in early 2025, you’ve probably noticed they’re hovering in the high 6 to low 7 percent range—a bit sticky, a bit stubborn, and still higher than most buyers or homeow... ...more
Mortgage
July 02, 2025•3 min read
Help For First Time Homebuyers in 2025
Yes, affordability is still a challenge. Home prices and interest rates remain higher than many would like. But this year, a growing list of updated programs and lending changes are making it easier f... ...more
Mortgage
July 02, 2025•3 min read
What’s The Real Outlook For Mortgage Rates In 2025
Mortgage rates have been on a rollercoaster the past few years — and if you’re planning to buy, sell, or refinance in 2025, you’re probably asking the same question everyone else is: ...more
Mortgage
June 07, 2025•3 min read
New Help For First-Time Homebuyers In 2025
If you’re a first-time homebuyer trying to get into the market in 2025, you’re not alone — and thankfully, you’re not without help. Rising home prices and interest rates have made affordability a real... ...more
Mortgage
June 07, 2025•3 min read
How Much Down Payment Do I Need — And Do I Qualify for Down Payment Assistance?
When you're thinking about buying a home, one of the first big questions that comes up is how much down payment you’ll need. You might also be wondering whether down payment assistance is an option f... ...more
Mortgage
April 28, 2025•2 min read
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Creative 1st Mortgage, LLC | NMLS# 2614631 | Licensed in AL, FL, KY, MN, TN, TX | 727-914-9397 | [email protected] | 447 3rd Ave N #210 Saint Petersburg, FL 33701 | Equal Housing Opportunity | Pursuant to the requirements of Section 157.0021 of the Mortgage Banker Registration and Residential Mortgage Loan Originator License Act, Chapter 157, Texas Finance Code, you are hereby notified of the following: CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. | COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV
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