South Florida's only dedicated weekly mortgage podcast. Hosted by Craig Garcia, President of Capital Partners Mortgage Services, LLC, and co-host Bill Mei. Weekly mortgage rate updates, loan program breakdowns, Florida condo market news, and real estate trends across Miami-Dade, Broward, and Palm Beach counties. Straight talk for homebuyers, investors, and real estate professionals. 🌐 cp-mtg.com 📺 youtube.com/@craiggarciamortgage Craig Garcia | NMLS #653593 | Coral Springs, FL | Equal Housing Lender
South Florida Mortgage Report
Claim This Podcastby Craig Garcia and Bill Mei
5.0(1 reviews)
51 episodes
Updated Daily
Accepts GuestsHas SponsorsLocation 🇺🇸
Podcast Overview
South Florida's only dedicated weekly mortgage podcast. Hosted by Craig Garcia, President of Capital Partners Mortgage Services, LLC, and co-host Bill Mei. Weekly mortgage rate updates, loan program breakdowns, Florida condo market news, and real estate trends across Miami-Dade, Broward, and Palm Beach counties. Straight talk for homebuyers, investors, and real estate professionals. 🌐 cp-mtg.com 📺 youtube.com/@craiggarciamortgage Craig Garcia | NMLS #653593 | Coral Springs, FL | Equal Housing Lender
Language
🇺🇲
Publishing Since
8/19/2025
1 verified contact email on file for South Florida Mortgage Report
Pitch yourself as a guest, propose sponsorships, or reach out directly to the host.
Recent Episodes
July 8, 2026
Florida Hometown Heroes 2026: Who Qualifies — and Who's Left Out
<p>Florida's Hometown Heroes down payment assistance program is back for 2026 — and it's narrower than a lot of people realize. Plenty who assume they qualify won't.</p><p><br></p><p>In this episode of the South Florida Mortgage Report, we break down where the program stands now, who's most often left out, and how agents and buyers can avoid a painful surprise at underwriting. If you work with clients in healthcare, education, public safety, or anyone who's self-employed, this is the one to hear before they make an offer.</p><p><br></p><p>**In this episode:**</p><p>- How the program narrowed — wide open two years ago, back to frontline heroes last year, and tighter still for 2026</p><p>- The four-part test that now decides eligibility — and why it's not about the job title</p><p>- Who's often surprised they don't qualify now: self-employed, multi-site, and fully remote workers</p><p>- The hospital-cafeteria-vs-pharmacy-cashier rule that captures the whole logic in one example</p><p>- The good news most people miss — including the fact that only one borrower has to qualify</p><p>- The two questions to ask every buyer before you write an offer</p><p><br></p><p>The assistance itself: a minimum of $10,000 and up to $35,000 (5% of the loan) toward down payment and closing costs — a 0% second mortgage with no monthly payment. Real help, but not forgivable.</p><p><br></p><p>Not sure whether your buyer qualifies? Capital Partners Mortgage Services will check them against the actual 2026 guidelines — reach out before you make a move.</p><p><br></p><p>📍 cp-mtg.com</p><p><br></p><p>*Subject to eligibility, income limits, and available program funds. Not a commitment to lend. Equal Housing Lender.*</p><p><br></p><p><br></p><p>**Subscribe for weekly market updates** on rates, inflation, jobs reports, and what actually moves mortgage pricing. </p><p><br></p><p>📍South Florida focus — national relevance. </p><p><br></p><p>#MortgageRates #HousingMarket #RealEstate #Fed #FannieMae #FreddieMac #MBS #Refinance #HomeBuying #SouthFloridaRealEstate </p><p><br></p><p>🎧 LISTEN & SUBSCRIBE TO THE SOUTH FLORIDA MORTGAGE REPORT </p><p><br></p><p>🔁 YouTube playlist (all episodes): https://www.youtube.com/playlist?list=PLCOa_zSrotiecbiomGKhTzASCBToYQUea </p><p><br></p><p>📱 Subscribe & follow on your favorite platform: </p><p>• Apple Podcasts: https://podcasts.apple.com/us/podcast/south-florida-mortgage-report/id1834181574 </p><p>• Spotify: https://open.spotify.com/show/5QxG2PzPd3W9pJFqQnLAPS?si=5a667fbd60a44ce9 </p><p><br></p><p>📌 HELPFUL LINKS </p><p>📩 Housing Newsletter: Stay informed with curated mortgage and housing insights delivered straight to your inbox: https://housingnewsletters.com/craiggarcia </p><p><br></p><p>✅ Pre-Approvals 24/7: Get started anytime: </p><p>Option 1 https://loancenter.cp-mtg.com/dr/c/rhx8h </p><p>Option 2 https://loancenter.cp-mtg.com/dr/c/w2o7v</p>
June 26, 2026
Hometown Heroes is Back! $35,000 for Teachers, Nurses, Police, Firefighters, And More
<p>The Florida Hometown Heroes Program is officially returning, and if you're a teacher, nurse, law enforcement officer, firefighter, military member, childcare worker, or another eligible public servant, this could be one of the best homebuying opportunities of the year.In this special breaking news episode of the South Florida Mortgage Report, Craig Garcia and Bill Mei explain what we know so far, who is expected to qualify, and why you don't necessarily have to wait until July 13th to begin the home buying process.In this episode we discuss:✅ Florida Hometown Heroes returns with $50 million in funding✅ Up to $35,000 in down payment and closing cost assistance✅ Zero interest and no monthly payments✅ Expected eligibility requirements✅ Why now is the time to get pre-approved✅ Important program dates✅ How the funds are likely to be reservedIf you've been waiting because you didn't have enough money for a down payment, this program could help make homeownership possible.📅 Important Dates• July 7 – Expected mortgage rates announced for the program• July 13 – Reservations open and funds become availableFunding is limited and has historically been exhausted quickly, so preparation is key.**Subscribe for weekly market updates** on rates, inflation, jobs reports, and what actually moves mortgage pricing. 📍South Florida focus — national relevance. #MortgageRates #HousingMarket #RealEstate #Fed #FannieMae #FreddieMac #MBS #Refinance #HomeBuying #SouthFloridaRealEstate 🎧 LISTEN & SUBSCRIBE TO THE SOUTH FLORIDA MORTGAGE REPORT 🔁 YouTube playlist (all episodes): https://www.youtube.com/playlist?list=PLCOa_zSrotiecbiomGKhTzASCBToYQUea 📱 Subscribe & follow on your favorite platform: • Apple Podcasts: https://podcasts.apple.com/us/podcast/south-florida-mortgage-report/id1834181574 • Spotify: https://open.spotify.com/show/5QxG2PzPd3W9pJFqQnLAPS?si=5a667fbd60a44ce9 📌 HELPFUL LINKS 📩 Housing Newsletter: Stay informed with curated mortgage and housing insights delivered straight to your inbox: https://housingnewsletters.com/craiggarcia ✅ Pre-Approvals 24/7: Get started anytime: Option 1 https://loancenter.cp-mtg.com/dr/c/rhx8h Option 2 https://loancenter.cp-mtg.com/dr/c/w2o7v</p>
June 23, 2026
The New Sheriff and the Hidden Lever — What Kevin Warsh's Fed Means for Your Mortgage
<p>Kevin Warsh held his first FOMC meeting as Fed Chair on June 17th — and the story wasn't what happened to rates (nothing). It was everything else: forward guidance eliminated, the dot plot he refused to submit, five task forces launched to overhaul the Fed's entire operating model — and the one tool that connects directly to your mortgage rate. Craig Garcia and Bill Mei break down who Warsh actually is, why the Fed cutting rates can *raise* mortgage rates, the 1990s Greenspan-AI parallel, and the three documented balance-sheet tools that could move 30-year rates by 40 to 115 basis points without a single change to the Fed funds rate. Plus why the sequence — inflation credibility first, balance sheet second — is everything.Chapters:00:00 The Fed's New Leadership and Market Reactions02:26 Understanding Kevin Warsh's Approach to Inflation04:49 The Shift in Forward Guidance and Its Implications07:09 Market Volatility and Communication Changes09:51 The Role of AI in Economic Reporting12:32 The Relationship Between Fed Rates and Mortgage Rates15:14 Trends Over Numbers: A New Perspective on Inflation16:51 AI and Economic Productivity Gains18:37 The Housing Market Dynamics20:32 Understanding the Fed's Balance Sheet23:49 Quantitative Tightening and Its Impact25:59 Potential Fed Strategies for Housing28:27 Exploring Operation Twist31:11 The Importance of Fed Credibility32:16 Advice for Home Buyers34:07 Looking Ahead: Future Implications for Housing**Subscribe for weekly market updates** on rates, inflation, jobs reports, and what actually moves mortgage pricing. 📍South Florida focus — national relevance. #MortgageRates #HousingMarket #RealEstate #Fed #FannieMae #FreddieMac #MBS #Refinance #HomeBuying #SouthFloridaRealEstate 🎧 LISTEN & SUBSCRIBE TO THE SOUTH FLORIDA MORTGAGE REPORT 🔁 YouTube playlist (all episodes): https://www.youtube.com/playlist?list=PLCOa_zSrotiecbiomGKhTzASCBToYQUea 📱 Subscribe & follow on your favorite platform: • Apple Podcasts: https://podcasts.apple.com/us/podcast/south-florida-mortgage-report/id1834181574 • Spotify: https://open.spotify.com/show/5QxG2PzPd3W9pJFqQnLAPS?si=5a667fbd60a44ce9 📌 HELPFUL LINKS 📩 Housing Newsletter: Stay informed with curated mortgage and housing insights delivered straight to your inbox: https://housingnewsletters.com/craiggarcia ✅ Pre-Approvals 24/7: Get started anytime: Option 1 https://loancenter.cp-mtg.com/dr/c/rhx8h Option 2 https://loancenter.cp-mtg.com/dr/c/w2o7v</p>
51 total episodes available
Similar Podcasts
Discover related shows you might enjoy
Deep-dive analytics for South Florida Mortgage Report
Frequently asked questions
Have a different question and can't find the answer you're looking for? Reach out to our support team by sending us an email and we'll get back to you as soon as we can.
- What is South Florida Mortgage Report?
- How often does this podcast release new episodes?
This podcast updates daily.
- Where can I listen to this podcast?
This podcast is available on 4 platforms including Apple Podcasts, Spotify, and more. You can also use the RSS feed directly.
- Does this podcast accept guests?
Yes, this podcast regularly features guests.
Legal Disclaimer
Pod Engine is not affiliated with, endorsed by, or officially connected with any of the podcasts displayed on this platform. We operate independently as a podcast discovery and analytics service.
All podcast artwork, thumbnails, and content displayed on this page are the property of their respective owners and are protected by applicable copyright laws. This includes, but is not limited to, podcast cover art, episode artwork, show descriptions, episode titles, transcripts, audio snippets, and any other content originating from the podcast creators or their licensors.
We display this content under fair use principles and/or implied license for the purpose of podcast discovery, information, and commentary. We make no claim of ownership over any podcast content, artwork, or related materials shown on this platform. All trademarks, service marks, and trade names are the property of their respective owners.
While we strive to ensure all content usage is properly authorized, if you are a rights holder and believe your content is being used inappropriately or without proper authorization, please contact us immediately at hey@podengine.ai for prompt review and appropriate action, which may include content removal or proper attribution.
By accessing and using this platform, you acknowledge and agree to respect all applicable copyright laws and intellectual property rights of content owners. Any unauthorized reproduction, distribution, or commercial use of the content displayed on this platform is strictly prohibited.