Licensed mortgage loan originator, NMLS 898761, with Link Lending, NMLS 2723931, and a Florida 2-20 insurance licensee, agent number P163989, with Links Insurance Co.
DSCR
How property taxes, landlord and wind insurance, flood, HOA and condo fees, special assessments, vacancy, and short-term-rental taxes change the true monthly cost and the DSCR ratio of a Florida investment property.
Lakeland
A sourced checklist for moving to Lakeland or Polk County, Florida: starting utilities, homestead and Save Our Homes after Amendment 3, Florida driver license and vehicle registration deadlines, school zones, voter registration, and insurance after a move.
My Safe Florida Home
A 2026 guide to My Safe Florida Home: free wind-mitigation inspections, hurricane mitigation grants of up to $10,000, who qualifies, how to apply, what the grant pays for, and how it ties to your insurance premium.
Flood
How to look up a Polk County or Lakeland flood zone, why flood insurance is usually separate from a homeowners policy, Polk County's CRS Class 6 discount, and how to request an elevation certificate.
Lakeland
A 2026 guide to the City of Lakeland Home Purchase Assistance Program: up to $40,000 inside city limits, income tiers, funding availability, property rules, and how lenders apply.
True Cost
A line-by-line worksheet for the true monthly cost of a Florida house or condo: mortgage, property taxes, homestead, homeowners and flood insurance, HOA fees, reserves, and special assessments.
Hometown Heroes
A 2026 guide to Florida Hometown Heroes: up to 5% down payment help, $10,000 minimum and $35,000 maximum, as a 0% deferred second mortgage, plus Polk County income and loan limits.
Condo
A Florida condo buyer checklist for 2026: the resale documents you are entitled to, milestone inspections, structural integrity reserve studies, special assessments, and estoppel certificates.