top of page
Blog
We’re glad you’re here. This is your go-to source for expert advice, helpful insights, and real-world guidance as you navigate the homebuying process. Whether you're just starting to explore mortgage options, buying your first home, or adding another property to your portfolio, we’re here to help.
At 14 Days to Close, we believe the mortgage process should be simple, clear, and fast. Our goal is to break down complex topics in a way that makes sense, so you can move forward with confidence.You’ll find information on loan programs like FHA, VA, USDA, and conventional loans, along with tips to help you improve your credit, understand your down payment options, and stay informed about Florida’s unique real estate market. We also share helpful tools and strategies for real estate agents who want to give their clients a smoother, faster closing experience.
The real estate and mortgage world is always changing, but that doesn’t mean it has to be confusing. We’re here to give you the clarity and support you need to make smart decisions every step of the way. Whether you’re looking for ways to strengthen your offer, get pre-approved, or simply stay on top of the latest market trends, you’ll find practical, easy-to-understand guidance here.
Stick with us for timely updates, tips you can actually use, and insights into one of the most exciting real estate markets in the country. Let’s make your homeownership journey simple, stress-free, and fast.
Buying a House Outright: Benefits and Considerations
So, you’re thinking about buying a house outright? That means no mortgage, no monthly payments, just you and your new home. Sounds pretty sweet, right? But before you dive in, let’s chat about the benefits and some things you should consider. Buying a home outright isn’t just about having the cash—it’s about making a smart move that fits your lifestyle and financial goals. Why Buying a Home Outright Could Work For You First off, let’s talk about the perks. Paying cash for a h
3 days ago
How the 30 Year Mortgage Became America’s Favorite Home Loan (And Why It Almost Didn’t Happen)
Most people think the 30 year mortgage has always been the standard. It feels like a forever-American thing, like baseball season or Fourth of July fireworks. But the 30 year mortgage was actually born out of crisis. It came from a time when the housing market was collapsing, banks were failing, and the government had to rethink how Americans bought homes. What started as a rescue plan eventually became the backbone of the American dream. What Mortgages Looked Like Before the
5 days ago
Your Guide to Second Mortgage Companies
Navigating the world of second mortgage companies can feel intimidating at first. These lenders let you tap into your home’s equity without selling the house you’ve worked hard for. When used wisely, that equity can become a powerful financial tool. So whether you’re trying to remodel the kitchen, knock out high-interest debt, or fund a big life milestone, a second mortgage can help you get there. Second mortgages are popular because they unlock access to cash while keeping y
Nov 22
Everything First Time Home Buyers Should Know About FHA Loans
Buying your first home can feel overwhelming until you discover how straightforward an FHA loan really is. FHA loans are one of the most beginner-friendly options for first time buyers across 49 states and Washington D.C. because they offer low down payments, flexible credit requirements, and predictable monthly payments. They make homeownership possible for buyers who don’t have perfect credit or large savings, and they remove many of the roadblocks that stop people from ge
Nov 19
14 Days To Close: First Time Home Buyer Loans Made Simple
Becoming a first time home buyer should feel exciting. Most people tell us it feels overwhelming instead. There are so many loan options, confusing terms, and outdated rules that it’s hard to know where to start. That’s why 14 Days To Close keeps things simple. You can apply online anytime , even at night or on weekends, and see your buying power in minutes. First time home buyer loans help you purchase a home with less money down, easier credit requirements, and monthly paym
Nov 17
We Funded $9 Million in Home Loans in October
Buying a home right now can feel like trying to hit a moving target. Rates shift. Inventory changes. And traditional lenders still act like it’s 1998 with their banker’s-hours schedules. But even with all that, October was one of our strongest months ever at 14 Days To Close , with $9 million funded in home loans nationwide . That growth didn’t happen by accident. It came from real buyers looking for speed, transparency, and less nonsense in the mortgage process. When people
Nov 15
Trump Floated a 50 Year Mortgage. Here Are the Pros and Cons You Actually Need To Know
When President Trump teased the idea of a 50 year mortgage on November 8th, people online reacted instantly. Some loved the thought of lower monthly payments. Others said it sounded like a trap that would keep homeowners paying interest forever. Even high profile investors like Kevin O'Leary weighed in on the issue . Since there’s no official plan yet, the best way to understand it is to look at how a 50 year mortgage would actually behave in real life. Most of us are used to
Nov 14
The Best Home Financing Choices to Find the Right Mortgage Loan Option for You
Buying a home is exciting, but let’s be honest - figuring out how to pay for it can feel like decoding a secret language. You want the best deal, the smoothest process, and a loan that fits your life like a glove. Lucky for you, I’m here to break down the best home financing choices so you can make a confident move. Ready to dive in? Let’s go! Why Picking the Best Home Financing Choices Matters You might think all mortgage loans are the same, but nope. The right loan can save
Nov 14
Conventional Loan Pros and Cons (2026)
Finding the right mortgage can feel overwhelming, but it’s a big part of the homebuying process. Conventional loans are one of the most common options out there. They come with some great perks — and a few drawbacks too. Since they’re not backed by the government like FHA loans, the rules are a little different. You usually need a higher credit score, but the trade-off can be better interest rates and more loan flexibility. You can use a conventional loan for your main home,
Nov 12
Can you recommend top-rated mortgage brokers in Tampa?
Finding the right mortgage broker in Tampa can make a big difference for homebuyers. The best brokers help you secure great loan terms and make the home loan process easier to understand and manage. Tampa’s mortgage market is full of options, so choosing the right broker is key. A trusted mortgage professional can connect you with competitive rates and a variety of loan products that match your needs. Reading mortgage broker reviews is one of the smartest ways to find the rig
Oct 26
The Hidden Fee That Raises Your Mortgage Rate (and How to Avoid It)
Ever wonder why your mortgage rate isn’t the same as what you see online? You click around a few lenders, run a mortgage calculator, and suddenly your “great rate” turns into something higher once your credit score or down payment comes into play. That’s where LLPAs come in. Loan-Level Price Adjustments , or LLPAs, are behind-the-scenes fees that lenders use to set your rate based on your financial profile. They can make a big difference in what you pay over the life of your
Oct 16
$8M Funded in September: Another Win for Buyers Who Don’t Want to Wait
September’s usually a slo w month in real estate. No t for us. At 1 4 Days To Close, we funded $8 million in home loans last month....
Oct 8
From Tom Brady to Rob Gronkowski: Why the Stars Choose Tampa Bay
Tampa Bay’s not just for beachgoers and snowbirds anymore. Over the past 20 years, it’s become a top destination for professional athletes buying real estate. From waterfront mansions to private gated communities, stars from the NFL, MLB, and NHL are scooping up property all over the Tampa area. Big names like Tom Brady, Derek Jeter, and Rob Gronkowski didn’t just play here. They moved here, bought homes here, and in doing so, helped push Tampa Bay into the national real esta
Oct 1
What Determines Your Mortgage Rate? Key Factors Explained for First-Time Homebuyers
If you're buying your first home, chances are you've been hit with a wave of new terms and numbers—none more important than your mortgage...
Jul 30
Fixed vs. Adjustable-Rate Mortgages: Which One Is Right for You?
Choosing between a fixed-rate and an adjustable-rate mortgage (ARM) is one of the biggest decisions you’ll make when buying a home. It’s like picking between a steady cruise or a wild roller coaster. One gives you consistency, while the other offers flexibility and short-term savings. In 2025, with mortgage interest rates always in the spotlight, knowing the difference could save you thousands. So what’s the deal? A fixed-rate mortgage gives you one interest rate that stays t
Jul 28
Why Lenders Are Finally Counting Rent Toward Mortgage Approval
You’ve been sending out rent like clockwork every month. $1,800, $2,200, whatever it is, it hits your landlord’s account without fail. But when you try to buy a home, you’re told that history doesn’t count for much. That’s changing in 2025. A new rule is finally giving renters credit where credit is due... literally.
Jul 22
Do You Need 20% Down to Buy a Home?
For years, the idea that you must put 20% down to buy a home has been treated like a rule. But here's the truth: it’s a myth that keeps...
Jul 15
How to Save Thousands on Interest Over the Life of Your Loan
If you have a mortgage or are planning to get one, you’re probably thinking about more than just the monthly payment. You’re also...
Jul 7
Mortgage Reset in Florida: How Buyer-Friendly Markets in 2025 Can Save You Thousands
If you've been watching the Florida housing market over the past few years, you know it hasn’t been easy for buyers. High mortgage rates,...
Jun 25
Lightning Fast Mortgage Closings in May 2025: 80% Homes Closed in Under 20 Days
At 14 Days To Close, speed isn’t a happy accident. It’s intentional, repeatable, and built into everything we do. Last month, 5 homes...
Jun 4
bottom of page