Jose Maldonado

NMLS # 333329

786-499-5082

[email protected]

Jose Maldonado Loan Originator

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Understanding Mortgage-related Insurance

Understanding Mortgage-related Insurance

When you buy a home with a mortgage, you will be required to pay all sorts of insurance, including homeowner’s insurance, title insurance and private mortgage insurance. What are all these policies and why do you have to pay for them? Homeowner&rsq

Jun 03, 2020 |

FHFA: Borrowers in Forbearance CAN Refinance

FHFA: Borrowers in Forbearance CAN Refinance

The onset of the COVID-19 crisis has forced millions of Americans into unemployment, resulting in over 4.1 million homeowners applying for mortgage forbearance. There has been plenty of confusion about how the rules of forbearance – a payment deferr

May 27, 2020 | Refinancing a Home

Is Now a Good Time for a Reverse Mortgage?

Is Now a Good Time for a Reverse Mortgage?

As the COVID-19 pandemic has roiled stock markets over the past few months, many Americans in or nearing retirement may be worried about their investment portfolios. Without the possibility to earn more money, more retirees, seeing a reduction in their ne

May 20, 2020 | Reverse Mortgages

The COVID-19 Housing Market is Better than the Great Recession Market

The COVID-19 Housing Market is Better than the Great Recession Market

Coronavirus shutdowns have spooked many homebuyers and sellers out of the market for now. Millions of homeowners have applied for mortgage forbearance in fear they will be unable to make their payments due to unemployment. Lenders have been concerned abou

May 13, 2020 |

How Long Does a Pre-Approval Letter Last?

How Long Does a Pre-Approval Letter Last?

Getting pre-approved before shopping for a new home is a smart idea, but what if you don’t find the right home quickly? How long does that pre-approval last? Pre-approval Defined Before going out with a real estate agent to look for the perfect pr

May 06, 2020 | Purchasing a Home Preapproval

4 Refinancing Mistakes to Avoid

4 Refinancing Mistakes to Avoid

Mortgage interest rates have been low for several years and have recently fallen near record-lows. While it is a great time to refinance your home loan, there are several mistakes to be sure to avoid during the process. Mistake #1 - Assuming You Can

Apr 29, 2020 | Refinancing a Home

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