<?xml version="1.0" encoding="UTF-8"?><rss xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:atom="http://www.w3.org/2005/Atom" version="2.0"><channel><title><![CDATA[Marx Mortgage Group]]></title><description><![CDATA[Empowering Your Home Financing Journey]]></description><link>https://www.bryanmarxgroup.com/blog</link><generator>RSS for Node</generator><lastBuildDate>Thu, 29 Oct 2026 21:36:18 GMT</lastBuildDate><atom:link href="https://www.bryanmarxgroup.com/blog-feed.xml" rel="self" type="application/rss+xml"/><item><title><![CDATA[Unlock a Powerful Tool for Your Clients]]></title><description><![CDATA[The "Family Opportunity" Mortgage That Lets Them Buy a Home for Mom or Dad Ever had a client ask how to help Mom or Dad buy a home but they can't qualify alone? There's a hidden solution: The Family Opportunity Mortgage. It lets you buy a home for an elderly parent or disabled adult child and still get primary-home terms—lower rates, smaller down payment, no distance limits. WHAT IT IS Lets someone buy for a parent or adult child who can't qualify alone Treated as owner-occupied (not a second...]]></description><link>https://www.bryanmarxgroup.com/post/unlock-a-powerful-tool-for-your-clients</link><guid isPermaLink="false">6a6a289e328f65b106571e5b</guid><pubDate>Wed, 29 Jul 2026 16:22:07 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/11062b_d836e8d9ef494e1ea4d6615ae2504456~mv2.jpeg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Bryan Marx</dc:creator></item><item><title><![CDATA[Do you have buyers who make great money but can't qualify for a mortgage? ]]></title><description><![CDATA[Many self-employed professionals, Realtors, financial advisors, consultants, and independent contractors maximize their tax deductions, which can make qualifying for traditional financing more difficult. That's where a 1099 Loan can help. This program may allow eligible borrowers to qualify using their 1099 income rather than traditional tax return calculations, creating opportunities for buyers who have strong earnings but extensive write-offs. Program highlights:  • Credit scores as low as...]]></description><link>https://www.bryanmarxgroup.com/post/do-you-have-buyers-who-make-great-money-but-can-t-qualify-for-a-mortgage</link><guid isPermaLink="false">6a6a27a7cd8d822ee179bf94</guid><pubDate>Wed, 29 Jul 2026 16:17:50 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/11062b_e6a32ea6e75b442c8cf44dbb7bd1c086~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Bryan Marx</dc:creator></item><item><title><![CDATA[DSCR Loans]]></title><description><![CDATA[Can your clients really buy a short-term rental without showing income, tax returns, or even a job? Yep—and it's all thanks to a special DSCR loan that uses AirDNA data to qualify the property based on cash flow, not personal income. We just need: 20% down 640+ credit score A projected DSCR of 1.00 or better (we use 80% of the AirDNA rental estimate to account for expenses) It gets even better. 40-year fixed or interest-only terms are available. If you work with investors looking to grow...]]></description><link>https://www.bryanmarxgroup.com/post/dscr-loans</link><guid isPermaLink="false">6a5a5f9a218815cf7a252436</guid><pubDate>Fri, 17 Jul 2026 17:00:12 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/57b1a3a1c5c844299f5a99f16a62149b.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Bryan Marx</dc:creator></item><item><title><![CDATA[Why Florida Condos Keep Killing Deals ]]></title><description><![CDATA[Florida condos are changing and so are the rules to finance them. Condos aren't like single-family homes. One hidden issue with the building, not the buyer, can tank your deal. That's especially true in Florida where post-Surfside laws now require milestone inspections, reserve studies, and stricter condo budgets. More buildings = more rules = more chances for financing to fall apart. The biggest deal-killers? Deferred maintenance or unfunded repairs Low reserves or high delinquencies...]]></description><link>https://www.bryanmarxgroup.com/post/why-florida-condos-keep-killing-deals-and-how-to-stop-it</link><guid isPermaLink="false">6a5a5f3b218815cf7a25235d</guid><pubDate>Fri, 17 Jul 2026 16:58:37 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/3b23e7970432450492e5d304d7a29374.jpg/v1/fit/w_900,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Bryan Marx</dc:creator></item><item><title><![CDATA[Florida To End Property Taxes? ]]></title><description><![CDATA[Could Florida Really End Property Taxes? Let's Break It Down. There's a proposal gaining serious traction in Florida right now—and if it passes, it could wipe out property taxes for homesteaded homes starting in 2027. Yep, you read that right. Lawmakers are pushing a constitutional amendment (HJR 201) that would eliminate the non-school portion of property taxes, meaning homeowners could save thousands a year. Sounds amazing, right? But there's a catch. That money currently funds local...]]></description><link>https://www.bryanmarxgroup.com/post/florida-to-end-property-taxes</link><guid isPermaLink="false">6a5a5e560d39a4adf280aa78</guid><pubDate>Fri, 17 Jul 2026 16:54:49 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/11062b_50e8b8ddd06f44b692cc24212f2fd64b~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Bryan Marx</dc:creator></item><item><title><![CDATA[New 2026 Loan Limits = More Buying Power]]></title><description><![CDATA[2026 Mortgage Loan Limits Are OUT — and Your Buyers Just Leveled Up These new numbers open fresh doors for your clients (and fresh closings for you). Let's keep this tight, useful, and maybe even a little fun.  SWEAT NEEDED New Conventional Limit (1-Unit): $832,750 3% down → Buy up to ~$858,467 5% down → Buy up to ~$876,579 If your buyer says, "We want to stay under $850k" You can now confidently reply: "Good news... so do the loan limits." FHA ESTIMATE FHA isn't official yet, but history...]]></description><link>https://www.bryanmarxgroup.com/post/new-2026-loan-limits-more-buying-power</link><guid isPermaLink="false">6a5a5ce9e447e3bde584b1f0</guid><pubDate>Fri, 17 Jul 2026 16:48:43 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/d7f019a0e0ef4cfb83f63dab7b09ecfe.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Bryan Marx</dc:creator></item><item><title><![CDATA[February Checkup]]></title><description><![CDATA[February is the perfect reset month. Here's a simple 15-minute financial tune-up I recommend doing once this month. No stress. No perfection required. 1. START WITH YOUR CREDIT REPORT: Start with your credit report. Pull the full report, not just the score. You can get it free once per year at AnnualCreditReport.com. Look for: Errors Old balances Accounts that should be gone Small issues here don't feel urgent... until they suddenly matter. 2. LIST YOUR DEBTS AND INTEREST RATES: Highlight...]]></description><link>https://www.bryanmarxgroup.com/post/february-checkup</link><guid isPermaLink="false">6a5a5b51218815cf7a2518ea</guid><pubDate>Fri, 17 Jul 2026 16:41:55 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/11062b_30cf3292ed9648b1b80ffc97c51a2543~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Bryan Marx</dc:creator></item><item><title><![CDATA[Hometown Heroes]]></title><link>https://www.bryanmarxgroup.com/post/hometown-heroes</link><guid isPermaLink="false">6a5a57a30d39a4adf2809a16</guid><pubDate>Fri, 17 Jul 2026 16:26:12 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/0c96ef_6b9e5c9406ff4b948668d8ed1613d6dd~mv2.png/v1/fit/w_1000,h_849,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Bryan Marx</dc:creator></item><item><title><![CDATA[Before you File, Read This]]></title><description><![CDATA[New year. Same money goals. Here are tax and financial reminders many homeowners forget—but shouldn't. This matters now. Once you file, missed deductions are gone. Most people don't miss them from carelessness. They miss them because no one slows them down to review. MORTGAGE INTEREST IS STILL DEDUCTIBLE: If you itemize, interest on your primary home—and sometimes a second home—may reduce taxable income. This comes from your lender's 1098. Florida note: Federal deduction only. Florida has no...]]></description><link>https://www.bryanmarxgroup.com/post/before-you-file-read-this</link><guid isPermaLink="false">6a5a43971d5e5abb0edf498e</guid><pubDate>Fri, 17 Jul 2026 15:00:40 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/599cfc36e9e64341811ef890e64f1c32.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Bryan Marx</dc:creator></item><item><title><![CDATA[The Hidden Power of Seller Credits]]></title><description><![CDATA[THE HIDDEN POWER OF SELLER CREDITS Seller credits are one of the most powerful—and misunderstood—tools in today's market. Most agents still use them like it's 2019. That's the problem. Most buyers hear "seller credit" and think closing costs. That's amateur hour. Used correctly, seller credits control cash flow, reduce risk, and create long-term leverage—often winning deals before price ever matters. THE UNDERUSED MOVES THAT ACTUALLY WIN OFFERS: Buy down or eliminate mortgage insurance  Lower...]]></description><link>https://www.bryanmarxgroup.com/post/the-hidden-power-of-seller-credits</link><guid isPermaLink="false">6a5a435538a5a3b77a289cf4</guid><pubDate>Fri, 17 Jul 2026 14:59:36 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/7d4d12b7f4d34241962dc095c2798f29.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Bryan Marx</dc:creator></item><item><title><![CDATA[FHA 100% CLTV Combo Loan Program]]></title><description><![CDATA[If your buyer is low on cash but high on motivation, this might be the perfect fit. The 100% FHA Financing program allows qualified buyers to purchase a home with zero down payment by combining a standard FHA loan with a second lien to cover the rest. No income limits, no first-time homebuyer requirements, and a minimum 600 credit score. If your clients have been sitting on the sidelines because of cash-to-close concerns, this could be their green light. Get Zero Down with FHA 100% CLTV Combo...]]></description><link>https://www.bryanmarxgroup.com/post/fha-100-cltv-combo-loan-program</link><guid isPermaLink="false">6a5a42e9b87e69d0daf187c6</guid><pubDate>Fri, 17 Jul 2026 14:57:53 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/11062b_f882f8cc6f7f4550bb5fa0e158b3bd94~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Bryan Marx</dc:creator></item><item><title><![CDATA[Your Guide to Rates, Real Estate and Smart Money Moves]]></title><description><![CDATA[Most homeowners don't realize there are exemptions that could save them thousands every year. That envelope in your mailbox marked "Notice of Proposed Taxes"? It's not junk mail. Florida, Georgia, and Texas have different rules, but the same opportunity: pay less in property taxes. Before your tax bill arrives, here's what you need to know. Property taxes are a fact of life, but overpaying doesn't have to be. In this month's video, I break down: Florida exemptions you may qualify for (blind,...]]></description><link>https://www.bryanmarxgroup.com/post/your-guide-to-rates-real-estate-and-smart-money-moves</link><guid isPermaLink="false">6a5a42361d5e5abb0edf46c4</guid><pubDate>Fri, 17 Jul 2026 14:54:47 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/37d297c35d874fd58afcc08c1113f1db.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Bryan Marx</dc:creator></item><item><title><![CDATA[Buy a Home For Your Parents Without Investor Rates]]></title><description><![CDATA[Ever had a client ask how to help Mom or Dad buy a home but they can't qualify alone? There's a hidden solution: The Family Opportunity Mortgage. It lets you buy a home for an elderly parent or disabled adult child and still get primary-home terms—lower rates, smaller down payment, no distance limits. WHAT IT IS Lets someone buy for a parent or adult child who can't qualify alone. Treated as owner-occupied (not a second home or investment property). KEY GUIDELINES Borrower must meet full...]]></description><link>https://www.bryanmarxgroup.com/post/buy-a-home-for-your-parents-without-investor-rates</link><guid isPermaLink="false">6a5a41a3b87e69d0daf18510</guid><pubDate>Fri, 17 Jul 2026 14:52:27 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/a840493665754798afa035dec7dff5bd.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Bryan Marx</dc:creator></item><item><title><![CDATA[Qualify Buyers Who Show Little Income]]></title><description><![CDATA[You meet a buyer with a lot of money in investments but a tax return that barely shows income. Traditional guidelines shut the door. What if their portfolio could qualify them? The program: Asset Depletion loans turn a client's savings and investments into usable income. Think checking, savings, stocks, bonds, and retirement accounts (with certain adjustments). Here's the big picture: Can be combined with other income. Typically uses 3–6 months of statements. Common formula: (eligible assets...]]></description><link>https://www.bryanmarxgroup.com/post/qualify-buyers-who-show-little-income</link><guid isPermaLink="false">6a5a41072bb43141f75835b6</guid><pubDate>Fri, 17 Jul 2026 14:49:54 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/11062b_48958194f32143b6960f5d7a109d5b7b~mv2.jpeg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Bryan Marx</dc:creator></item><item><title><![CDATA[February reset]]></title><description><![CDATA[February is the perfect reset month. Here's a simple 15-minute financial tune-up I recommend doing once this month. No stress. No perfection required. 1. START WITH YOUR CREDIT REPORT: Start with your credit report. Pull the full report, not just the score. You can get it free once per year at AnnualCreditReport.com. Look for errors. Old balances. Accounts that should be gone. Small issues here don't feel urgent... Until they suddenly matter. 2. LIST YOUR DEBTS AND INTEREST RATES: Highlight...]]></description><link>https://www.bryanmarxgroup.com/post/february-reset</link><guid isPermaLink="false">6a593d770ff39938e1ccc3a8</guid><pubDate>Thu, 16 Jul 2026 20:22:17 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/11062b_b2ae0916bb4240fb9bca5b8630e60a21~mv2.jpeg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Bryan Marx</dc:creator></item><item><title><![CDATA[The #1 mistake homeowners make after closing]]></title><description><![CDATA[Most homeowners forget to save for the things that will eventually break. A simple rule of thumb: • HVAC system → save about $67/month• Roof → save about $60–$140/month• Appliances → save about $25–$42/month That’s roughly $150–$250/month set aside to avoid the big surprises. Now here’s the interesting part. One of the biggest mistakes I see after someone buys a home has nothing to do with interest rates. It’s not planning for repairs. Homes don’t usually break all at once. But everything...]]></description><link>https://www.bryanmarxgroup.com/post/the-1-mistake-homeowners-make-after-closing</link><guid isPermaLink="false">6a5934e5d03244312ce4fdde</guid><pubDate>Thu, 16 Jul 2026 19:45:44 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/11062b_e58bfbdff9ba41698afbf6de6dd26538~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Bryan Marx</dc:creator></item><item><title><![CDATA[About Us]]></title><description><![CDATA[A lot of people think I only help clients here in Florida. That’s actually not the case. Over the last few years, many of my past clients have reached back out for things like: Vacation homes Airbnb or rental properties Relocating for work Buying near family Retirement planning Helping their kids buy in another state And most are surprised when I tell them we can help with all of it. Our team is licensed in: Florida, Georgia, Texas, North Carolina, and South Carolina and we also have trusted...]]></description><link>https://www.bryanmarxgroup.com/post/about-us</link><guid isPermaLink="false">6a59340101e576df51c7f740</guid><pubDate>Thu, 16 Jul 2026 19:42:02 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/11062b_67de65aee32c44ffbd499cc3862f7cf5~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Bryan Marx</dc:creator></item><item><title><![CDATA[Bridge Loans]]></title><description><![CDATA[I wanted to share a strategy we've been using quite a bit lately that's helped several clients who need to buy and sell at the same time. One of the biggest objections sellers have right now is: "We'd love to move, but we don't know where we're going next." Most people assume they have to sell first, make a contingent offer, or somehow coordinate two closings perfectly. In many cases, they don't. We have a Bridge Loan program that may allow homeowners to access equity from their current home...]]></description><link>https://www.bryanmarxgroup.com/post/bridge-loan</link><guid isPermaLink="false">6a59323448b343e14f13c432</guid><pubDate>Thu, 16 Jul 2026 19:34:14 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/0c96ef_769d02c408d349869867c15ba6ecf850~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Bryan Marx</dc:creator></item><item><title><![CDATA[Qualify WITHOUT Income]]></title><description><![CDATA[Not every qualified buyer has traditional income documentation. We offer a unique financing solution that allows eligible borrowers to qualify WITHOUT INCOME. No tax returns, No W-2s, No pay stubs, and No debt-to-income calculations. Instead, the program focuses on the borrower's credit profile, assets, reserves, and overall financial strength.   Program Highlights• No tax returns, W-2s, or pay stubs required• No debt-to-income ratio calculation• Up to 80% financing on purchases• Loan amounts...]]></description><link>https://www.bryanmarxgroup.com/post/qualify-without-income</link><guid isPermaLink="false">6a592f4038e05b9fea3649a2</guid><pubDate>Thu, 16 Jul 2026 19:21:40 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/11062b_9daba6d3615440418985a1c4f0f05a98~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Bryan Marx</dc:creator></item><item><title><![CDATA[Before You Wait for Lower Rates... Read This]]></title><description><![CDATA[One headline from halfway around the world can change what someone pays for a mortgage here in the US. Sounds crazy... But that's exactly what we've been watching over the past several weeks. The conflict involving Iran created uncertainty in the financial markets, pushed oil prices higher, and increased inflation concerns. When that happens, investors typically demand higher yields on U.S. Treasury bonds—and since mortgage rates closely follow the 10-Year Treasury, mortgage rates moved...]]></description><link>https://www.bryanmarxgroup.com/post/before-you-wait-for-lower-rates-read-this</link><guid isPermaLink="false">6a57b4f19c687b0d7a3ae4b2</guid><pubDate>Wed, 15 Jul 2026 16:27:33 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/9c4cf3368907463db046286699994311.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Bryan Marx</dc:creator></item></channel></rss>