The Notebook
Notes from a career of files since 2002.
No rate-bait, no recycled press releases. What actually closes in South Florida — condo warranting, self-employed income, investor math — written by the person who structures the loans.
October 15, 2026 Mortgage Interest Deduction 2026: Year-End Tax Moves for Broward Homeowners James Tyrrell's October 15, 2026 rate update plus the year-end moves that matter: the 2026 mortgage interest deduction, the December payment, PMI's return and your cost basis. → October 1, 2026 Mortgage Statement Check: 3 Things Broward Homeowners Should Look For A two-minute look at your mortgage statement can catch PMI you no longer owe, an escrow jump before it hits, and a rate worth refinancing. James Tyrrell walks through each line. → September 17, 2026 Is South Florida a Buyer's Market? What Redfin's Record August Numbers Mean for Broward Buyers Redfin calls August 2026 the strongest buyer's market on record, with Miami second in the nation. A Broward originator since 2002 on what that actually buys you. → September 17, 2026 Mortgage Rates This Week: Why a Quick Rate Check Could Save Broward Homeowners $50+ a Month James Tyrrell's September 17, 2026 rate update: where conventional, FHA and VA rates sit, why a quarter point matters, and how a five-minute rate check works for Broward homeowners. → September 10, 2026 How Much Are Closing Costs in South Florida? What's Actually in That Number A Fort Lauderdale originator since 2002 breaks down what closing costs really are — lender fees, title, Florida doc stamps, prepaids — what a Broward buyer or refinancer typically pays, who pays what, and the five ways to bring the number down. → August 31, 2026 Types of Mortgage Loans in South Florida: Which Program Fits Your Situation? FHA, VA, conventional, bank statement, DSCR, jumbo — a Fort Lauderdale originator lending since 2002 walks through every major loan type, who each one is built for, and how to tell which program actually fits you. → August 13, 2026 Non-Warrantable Condo Loans in Fort Lauderdale: How Buyers Still Get Financed Litigation, low reserves, too many investors — Broward and Palm Beach condos fail Fannie and Freddie rules constantly. A Fort Lauderdale originator lending since 2002 explains what non-warrantable means and every financing path that still works. → August 13, 2026 Self-Employed Mortgage in South Florida: How to Buy Without Tax Returns Your CPA minimized your taxable income — then a bank quoted your mortgage off that number. A business-owning originator explains bank statement, 1099 and P&L loans for South Florida's self-employed. →