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The Florida Mortgage Blog
by Celéste Jo Walls, CCS
NMLS 1682906
"Property is the fruit of labor; property is desirable; it is a positive good."
- Abraham Lincoln
Celeste Jo Walls
Mar 22, 20242 min read
Want to buy a new home in Central Florida? Then hop on over to this bruncheon!
Hey there, readers and friends, I'm hosting a First-Time Homebuyer Bruncheon on March 30th, and if you're available, it is definitely...
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Celeste Jo Walls
Jan 26, 20241 min read
Free mortgage consultation available at Plant City Open House
Hey there, realtors and Central Florida homebuyers, happy Friday! I'm excited to announce that I'll be providing free mortgage...
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Celeste Jo Walls
Jan 13, 20244 min read
Looking ahead: What will buying a home in 2024 be like?
It's still the first half of January, and if you're like me, you spend a good part of January analyzing 2023 to better prepare for 2024. ...
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Celeste Jo Walls
Jan 5, 20242 min read
Realtor Asks a Question: Can you get a VA loan for a manufactured home that has been moved from its original build site?
As a Florida mortgage consultant, I get a lot of questions from realtors and clients alike. So, occasionally I like to share the...
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Celeste Jo Walls
Jan 3, 20245 min read
FHA Versus Conventional Loans: Which is better in the current market?
If you ask a realtor this question, you might get mixed answers due to varying opinions and based on personal experience of the loan...
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Celeste Jo Walls
Apr 21, 20234 min read
What is a Certified Credit Specialist, anyway?
Have you ever seen Disney's Lady and the Tramp? In the full length animated film, the dog and heroine of the beloved classic faces a big...
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Celeste Jo Walls
Jan 20, 20233 min read
Where are we headed in 2023?
"Here we are! In Pismo Beach with all the clams we can eat." This is what Bugs Bunny says when he thinks he's arrived in a paradise,...
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Celeste Jo Walls
Oct 24, 20224 min read
Motivation Monday for my team: What does it mean to 'be meek'?
Every week I volunteer as a youth group leader at my church for middle school girls. We have a lot of laughs, but we also have a lot of...
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Celeste Jo Walls
Oct 10, 20222 min read
Help to Purchase a New Home Post Hurricane Ian
In my previous blog, I talked about some ways all of us could help those severely impacted by Hurricane Ian, especially those of us who...
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Celeste Jo Walls
Oct 4, 20223 min read
Encouragement for our community after Hurricane Ian
In my home state, my birth place and the land I love, Florida is just beginning to emerge from one of the largest storms we've had in the...
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Celeste Jo Walls
Aug 12, 20222 min read
Back to School: Why a mortgage loan officer never stops learning
Like almost every other student in Florida, our five kids went back to school this week. It's been a rollercoaster, but one we were...
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Celeste Jo Walls
Jul 29, 20225 min read
Little Known Facts on the Factors that Get You Qualified for a Home Loan
In my previous blog, I mentioned the four factors that you can control when it comes to helping you get qualified for a home loan. Think...
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Celeste Jo Walls
Jul 12, 20223 min read
The Lesson of the Plumeria Tree
The plumeria tree's bloom has a few lessons to offer that one could apply to life and, yes, even the process of buying a home in Florida.
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Celeste Jo Walls
Jul 2, 20223 min read
Florida Vacation Home News: Is it all chatter?
If you're in the market to buy a vacation home in Florida (or, for that matter, anywhere in the U.S.A.), then you might be reading some...
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Celeste Jo Walls
Jun 27, 20222 min read
Motivation Monday: Mortgage takeaways from June
It is the last week of June -- "Great balls of fire!" as Scarlett O'Hara from the 1939 classic film Gone with the Wind would say. It is...
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Celeste Jo Walls
Jun 22, 20224 min read
Mortgage Changes in 2022 that Can Help Your Home Loan Qualification Amidst Rising Interest Rates
When I think of the first half of 2022, the 1996 hit song by Sheryl Crow, "A Change Would Do You Good" comes to mind. Now, you might be...
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Celeste Jo Walls
Jun 12, 20224 min read
When life gives you lemons, you can make more than just lemonade.
Latest takeaways on the state of the Florida mortgage industry The old adage, "when life gives you lemons, make lemonade," in my opinion,...
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Celeste Jo Walls
May 19, 20223 min read
The Single Greatest Wealth Builder in America
America. The U.S. of A, to be precise, was built on the foundation that you can come from any walk of life, no matter how humble or...
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Celeste Jo Walls
May 8, 20223 min read
Why a Star Wars Pin?
Whether I'm at a client's closing celebrating their new home, hosting a realtor lunch and learn, or attending a Florida mortgage...
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Celeste Jo Walls
Apr 24, 20222 min read
Welcome Aboard! Let's get those blog wheels turning.
First blog's are always tough, even for experienced writers. I know this because I used to be one. Not a blogger, per say. I was an...
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