(727) 914-9397
Fed Cuts Rates by Quarter Percent | What It Means for Mortgage Rates & ARMs in 2025
“The Fed cut rates by 0.25%, but mortgage rates didn’t fall immediately. Learn why bonds reacted cautiously and why ARMs may become a top strategy for 2025.” ...more
Podcast
November 21, 2025•2 min read
Weekly Spark - Jobs Miss, Government Shutdown & Falling Rates? EEM Lets You Finance Upgrades
“Weak jobs data, shutdown risks, and improving bonds may ease rates. Learn how EEM loans help buyers finance energy upgrades and improve qualifying power.” ...more
Podcast
November 21, 2025•2 min read
USDA/FHA Delays, 1-in-3 Cash Deals, and Post-BK Loans | Weekly Spark 10/10 - Free AI Course Offer!
“Shutdown delays USDA, FHA, and VA loans; 1 in 3 homes sold for cash; and a loan option for buyers one day out of BK or foreclosure. Free AI class included.” ...more
Podcast
November 21, 2025•2 min read
Equity Boom, “Inventory Illusion” & Build-Your-Own Homes | 2025 Housing Market & Mortgage Tips
“Record equity, misleading inventory stats, and build-your-own home options. This Weekly Spark explains key 2025 housing market trends buyers must know.” ...more
Podcast
November 21, 2025•2 min read
Mortgage Update: Rates Dip, Apps Mixed, ITIN Loans Explained | Weekly Spark 10/24/25
“Rates are dipping, applications are mixed, and ITIN loans are expanding. This Weekly Spark explains market trends, buyer behavior, and key loan insights.” ...more
Podcast
November 21, 2025•2 min read
🎃 Fed’s “Scary” Rate Cuts & Haunted Housing Market | Mortgage Tips Halloween 2025
“Fed cuts rates by 25 bps but Powell’s hawkish tone shakes markets. Learn how this affects mortgage rates, FHA options, and buyer activity this Halloween.” ...more
Podcast
November 21, 2025•2 min read
Jobs Report Shock, Mortgage Rates & the Truth About Down Payment Assistance - Weekly Spark 11/7/2025
“November housing update: jobs report shock, mortgage rate movement, and the truth about down payment assistance vs smarter 1% down programs.” ...more
Podcast
November 21, 2025•2 min read
Fannie Mae Drops 620 Rule + 50 Year Mortgage Explained | What Buyers and Agents Need to Know
“Fannie Mae drops the 620 credit score rule and lenders explore 50-year mortgages. Learn what these changes mean for buyers, agents, and real approvals.” ...more
Podcast
November 21, 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
. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEB SITE AT WWW.SML.TEXAS.GOV