Realize Your Dream of Home Ownership

Welcome to Executive Mortgage Group of Florida, LLC, I'm Michael Macias, your South Florida home loan expert dedicated to making sure your home purchase or refinance experience is top-notch.

Contact Me Today! Apply Now!
Michael Macias

Michael Macias

Mortgage Broker / Owner
NMLS# 1323697

Explore Your Loan Options

Learn More

Estimate Your Mortgage Payment

Get Started

What's Your Home Worth Today?

Find Out Now

Real Customer Experiences

Read Reviews

Current

Florida

Mortgage Rates

FHA Loan Purchase - 30 Year Fixed

Rate1.75%
1W Change 0.00%
APR2.459%
1W Change 0.00%
Last Updated: 01/27/2021

Conventional Loan Purchase - 30 Year Fixed

Rate2.71%
1W Change 0.11%
APR2.768%
1W Change 0.11%
Last Updated: 01/27/2021

VA Loan Purchase - 30 Year Fixed

Rate2.16%
1W Change 0.13%
APR2.418%
1W Change 0.16%
Last Updated: 01/27/2021

All mortgage rates displayed are provided by Zillow based on borrowers with credit scores between 680-740 and represent averages and trends. Please consult with Michael Macias to receive a personalized rate for your specific situation.

Current

Florida

Refinance Rates

FHA Loan Refinance - 30 Year Fixed

Rate2.15%
1W Change 0.10%
APR2.813%
1W Change 0.13%
Last Updated: 01/27/2021

Conventional Loan Refinance - 30 Year Fixed

Rate2.69%
1W Change 0.07%
APR2.757%
1W Change 0.07%
Last Updated: 01/27/2021

VA Loan Refinance - 30 Year Fixed

Rate2.20%
1W Change 0.01%
APR2.473%
1W Change 0.03%
Last Updated: 01/27/2021

All mortgage rates displayed are provided by Zillow based on borrowers with credit scores between 680-740 and represent averages and trends. Please consult with Michael Macias to receive a personalized rate for your specific situation.

Mortgage Calculators

Conventional mortgages are ideal for buyers with good credit and money to put down. They typically require a higher down payment, usually 5%–20% and also have higher income and credit score requirements than government loans. Typical fixed-rate loans have a term of 30 or 15 years.

$

5%

1%

5%

$
$

$1421

Monthly Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

FHA loans are designed to benefit first-time homebuyers and buyers with less than perfect credit and not a lot of money to put down. FHA loan limits vary by county. Click here to see the loan limits in your area.

$

5%

1%

5%

$
$

$1421

Monthly FHA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Monthly Mortgage Insurance $0

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

If you are a veteran or a current member of the U.S. military, you can apply for a VA Loan, which currently offers up to 100% home financing. Thank you for your service!

$

0%

1%

4.5%

$
$

$1421

Monthly VA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Purchase Price $1421

VA Funding Fee $1421

$1421

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

Curious about refinancing your home in South Florida? Rates are historically low and now may be the right time to start saving money every month!

$
%
months
$
%
months
$

Refinancing could save you

$/month

New monthly payment $

Refinance fees $

Lifetime Savings $

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

Not sure how much of a home you can afford? Enter your personalized information below to get a good ballpark figure of the type of home you can afford today!

$
$
$
$
$
%

You can afford up to

$

Monthly Payment $

Principal & Interest $

Tax $

Insurance $

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.
Renting Vs. Buying in South Florida South Florida

Renting Vs. Buying in South Florida

January 22, 2021 With today’s low mortgage rates, there’s great opportunity for current South Florida renters to make a move into homeownership that stretches each dollar a little bit further. While the best timeline to buy a home is different for everyone, the question remains: Should I continue renting or is it time for me to buy? The answer… Read More
Easy Ways To Upgrade Your South Florida Home’s Curb Appeal South Florida

Easy Ways To Upgrade Your South Florida Home’s Curb Appeal

January 15, 2021 A tidy, tasteful home will catch any buyer's eye. That's why many people put effort into fixing up—and even staging—the interior of their home before putting it on the market and hosting open houses. But did you know that an unkempt exterior could deter potential buyers from even setting foot in the door? That's right.… Read More
Explaining Some Common Mortgage Programs South Florida

Explaining Some Common Mortgage Programs

January 9, 2021 When you get a mortgage in South Florida, there are several options you can choose from, including FHA, VA, and USDA mortgages. The one you select will determine how big a down payment you’ll need, what credit score you should have and all the other requirements you’ll need to meet. But choosing the right mortgage product… Read More

Mortgage Questions? We Can Help!

Contact Us Today!
X

Get in Touch

Contact Michael Macias

Michael Macias

9850 Stirling Road Suite 105
Cooper City, Florida 33024
(305) 467-7910
NMLS# 1323697

Send an Email

X Michael Macias

If you have any immediate questions or concerns don't hesitate to give us a call @ (305) 467-7910

0%

I agree to the following terms & conditions

I hereby certify that the information given in my submission is complete and correct and is given for the purpose of potentially obtaining a mortgage loan and/or financial services applied for.