(727) 914-9397
Here is your weekly Spark. Come get your education! Realtors this is for you!
“A quick Weekly Spark update for realtors covering market shifts, rate movement, buyer psychology, and confidence strategies to win more clients.” ...more
Podcast
December 02, 2025•1 min read
The Weekly Spark: Mortgage Rates, Stablecoins, and Real Estate Trends Explained
“This Weekly Spark episode breaks down how Japan’s new tariff deal impacts mortgage markets, how stablecoins are creating instant real estate settlements, how blended income programs expand homeowners... ...more
Podcast
December 02, 2025•2 min read
No Tax on Home Sales? Inflation Report + DSCR Loan for Investors
“This Weekly Spark episode breaks down the proposed ‘No Tax on Home Sales’ Act, the latest CPI and PPI inflation numbers, and how these trends influence mortgage rates. Plus, we spotlight a powerful D... ...more
Podcast
December 02, 2025•2 min read
Big Changes in Credit Scoring, Crypto & Mortgage Rates - The Weekly Spark with Creative 1st Mortgage
“This Weekly Spark episode explains the big changes coming to credit scoring with VantageScore, how crypto is becoming a mortgage-acceptable asset, and what the ‘Big Beautiful Bill’ tax proposal may m... ...more
Podcast
December 02, 2025•2 min read
Trigger Leads Banned? | Fed Rate Cuts Near? | 1% Down Loan Spotlight | Weekly Mortgage Update 8/8/25
“This Weekly Spark episode explains the new trigger-lead ban, growing support for Fed rate cuts, and the latest bond market movements shaping mortgage pricing. Plus, a spotlight on the 1% down convent... ...more
Podcast
December 02, 2025•2 min read
CPI Report Explained: Fed Rate Cuts, Mortgage Rate Myths & 1099 Loan Program You Need to Know!
“This Weekly Spark episode breaks down the latest CPI report, how inflation affects rate-cut expectations, and why mortgage rates don’t always fall when the Fed cuts rates. Plus, learn about a powerfu... ...more
Podcast
December 02, 2025•2 min read
Fraud at the Fed? Jerome Powell, Mortgage Rate Cuts & Bridge Loan Alternatives | Weekly Spark Aug 22
“This Weekly Spark episode breaks down fraud accusations involving Fed Governor Lisa Cook, Powell’s September rate cut outlook, MBA mortgage data, and a powerful bridge loan alternative offering 0% in... ...more
Podcast
December 02, 2025•2 min read
Fed Rate Cut Outlook & DSCR Loan Opportunity | Weekly Spark Mortgage & Real Estate Update - 8/29/25
“This Weekly Spark episode breaks down the Fed’s rate cut outlook, how Powell’s Jackson Hole comments and weak jobs data are influencing mortgage rates, and why refinances are surging. Plus, learn why... ...more
Podcast
December 02, 2025•2 min read
Weekly Spark | September 5th Market Update: Tariffs, Housing Affordability & Land Loan Programs
“This Weekly Spark episode covers the federal tariff ruling and its market impact, improving affordability as mortgage rates dip into the 5s, bond chart insights, and the launch of new land loan progr... ...more
Podcast
December 02, 2025•3 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