Mack Humphrey Mortgage Team at First Coast Mortgage Alliance

Mortgage News & Blog

Self-employed homebuyer reviewing business bank statements at a kitchen table

Loan Programs ·

Bank Statement Loans: A Mortgage for Self-Employed Buyers

Self-employed? Learn how bank statement loans evaluate income, what lenders review, and how to compare them with conventional financing.

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Moving boxes on the porch of a Northeast Florida home

Market Update ·

Fall Market Update: The Housing Market’s Mobility Test

This fall, look beyond rates and asking prices. How easily people can move helps explain the market—and the challenges buyers and owners face.

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Homeowner reviewing a maintenance checklist beside an outdoor air conditioning unit

Homeownership ·

Build a Home Repair Budget Before Something Breaks

A practical plan for tracking aging systems, setting aside repair money, and keeping surprise home expenses from taking over your budget.

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Couple reviewing a family loan statement at a kitchen table beside a model house

Credit & Finances ·

How Co-Signing a Loan Can Affect Your Mortgage Approval

Helping someone borrow can change your own homebuying options. Here’s how a co-signed loan may affect mortgage qualifying—and what to check.

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Homes beside a landscaped walking path and neighborhood pond in Northeast Florida

Florida Living ·

Buying in Northeast Florida? Understand CDD Fees First

A neighborhood’s amenities come with a budget. Here’s how I help buyers understand CDD fees before choosing a Northeast Florida home.

Read More: Buying in Northeast Florida? Understand CDD Fees First
Homeowners reviewing mortgage statements at a kitchen table

Refinancing ·

Refinance to Pay Off Your Home Sooner—or Pay Extra?

A shorter mortgage term can move your payoff date closer. Here’s how I compare refinancing with simply paying extra on your current loan.

Read More: Refinance to Pay Off Your Home Sooner—or Pay Extra?
Homebuyers checking a kitchen faucet during a final walkthrough with their real estate agent

Homebuying Tips ·

Your Final Walkthrough: What to Check Before Closing

Before you close, take one last careful look. Here’s how to check the home, confirm repairs, and handle surprises without rushing.

Read More: Your Final Walkthrough: What to Check Before Closing
Homebuyers reviewing renovation plans in a dated kitchen with a contractor

Loan Programs ·

HomeStyle Renovation Loans: Buy the Home, Fund the Fixes

A HomeStyle Renovation loan can combine a home purchase and eligible repairs. Here’s how the process works—and where buyers need to be careful.

Read More: HomeStyle Renovation Loans: Buy the Home, Fund the Fixes
Coastal Florida home with a welcoming porch and subtle fall decorations

Market Update ·

Fall Housing Outlook: The Forces Behind Your Monthly Payment

Mortgage pricing is only part of the story. Here’s how jobs, housing supply, and ownership costs shape this fall’s market.

Read More: Fall Housing Outlook: The Forces Behind Your Monthly Payment

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