Valeria Gaufillier

Bringing Dreams to Reality

Financing Mixed Use Properties: Live, Work, and Invest in One Place

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Mixed use properties are becoming an attractive option for buyers who want to combine residential, commercial, and investment opportunities all in one place. These properties can provide unique benefits, such as generating rental income while also serving as a primary residence. However, financing a mixed-use property requires a different approach than financing a traditional single-family home, and understanding the process is key to making the right decision.

Understanding Mixed Use Properties
A mixed use property is one that blends both residential and commercial space within the same building. For example, you might live on the upper floor while renting out a storefront or office on the ground level. This type of property can offer convenience, additional income, and potential long term value growth.

Financing Options Available
Financing a mixed-use property is often more complex than obtaining a traditional mortgage. Lenders evaluate these properties differently, taking into account both the residential and commercial aspects. Some lenders may offer conventional financing if the majority of the property is residential, while others may require commercial loans if the commercial space is larger. Loan terms, interest rates, and down payment requirements can vary, making it important to shop around for the right lender.

Benefits of Mixed Use Investments
One of the biggest advantages of owning a mixed-use property is the opportunity to generate rental income while also reducing personal living expenses. Owners can live in one portion of the property and rent out the rest, creating a steady revenue stream that can help cover mortgage payments and other expenses. Additionally, mixed use properties are often located in high demand areas, which can lead to long term appreciation and increased property value.

Challenges to Consider
Despite the advantages, there are challenges that come with mixed use properties. Financing may require larger down payments or higher interest rates. Managing both residential and commercial tenants can be more demanding, and zoning regulations or property restrictions may apply. It is important to carefully evaluate whether the potential income and lifestyle benefits outweigh the additional responsibilities and risks.

Mixed use properties offer a unique blend of lifestyle and investment potential. By understanding how financing works, weighing both the benefits and challenges, and working with experienced professionals, you can decide if this type of property fits your financial goals and long-term plans.

What’s Ahead For Mortgage Rates This Week – September 22nd, 2025

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It has been a relatively light week following the recent rate changes, as the Federal Reserve has felt the need to drop the current rate by 25 basis points. They have also mentioned the possibility of two additional rate cuts within this year. This follows the recent sharp criticism from the current administration, which condemned the Federal Reserve’s insistence on maintaining existing interest rates.

This development coincides with the Leading Economic Indicators, which have shown that the U.S. economy remains in decline, a trend that began in August. With further rate cuts on the horizon, the broader market reaction has been a positive one.

Consumer Price Index
The Federal Reserve cut its benchmark interest rate by 25 basis points today, the first rate move since last year, as it penciled in two more reductions for this year.

Leading Economic Indicators
US declined by 0.5% in August 2025 to 98.4 (2016=100), after a small 0.1% increase in July (upwardly revised from an originally reported 0.1% decline). The LEI fell by 2.8% over the six months between February and August 2025, a faster rate of decline than its 0.9% contraction over the previous six-month period (August 2024 to February 2025).

Primary Mortgage Market Survey Index
• 15-Yr FRM rates saw a decrease of -0.09% for this week, with the current rate at 5.41%
• 30-Yr FRM rates saw a decrease of -0.09% for this week, with the current rate at 6.26%

MND Rate Index
• 30-Yr FHA rates saw an increase of 0.03% for this week. Current rates at 6.03%
• 30-Yr VA rates saw an increase of 0.04% for this week. Current rates at 6.05%

Jobless Claims
Initial Claims were reported to be 231,000 compared to the expected claims of 240,000. The prior week landed at 264,000.

What’s Ahead
U.S. Employment data is set to land next week, with the S&P Final Manufacturing PMI estimates to round up before the end of the year. 

Myths About Mortgages That Still Fool Homebuyers

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Buying a home is one of the biggest financial decisions most people will ever make, and the mortgage process can feel overwhelming. With so much information available, it is easy for myths to spread, and many homebuyers still believe ideas that are simply not true. Clearing up these misconceptions can make the path to homeownership less stressful and much more successful.

Myth One: You Need Perfect Credit

A common belief is that only people with flawless credit can qualify for a mortgage. While strong credit helps secure better rates, many loan programs exist for borrowers with less than perfect scores. Lenders look at the overall financial picture, including income, employment history, and debt, which means options are available even if your credit is not ideal.

Myth Two: You Must Have a Large Down Payment

Another myth is that you need 20 percent down to buy a home. Although putting more money down can reduce monthly payments and avoid mortgage insurance, there are many programs that require far less. Some allow as little as three percent down, while others assist qualified buyers with down payment support, making homeownership more accessible than many realize.

Myth Three: Renting Is Always Cheaper

Some buyers believe renting is the more affordable option, but this is not always true. Rent often increases over time, while a fixed rate mortgage offers stable monthly payments. Homeownership also builds equity and can provide long term financial advantages that renting cannot match.

Myth Four: You Cannot Pay Off a Mortgage Early

Many people think they are locked into a 30-year mortgage with no flexibility. Most loans allow extra payments toward principal without penalties. Paying a little extra each month or making occasional lump sum payments can reduce interest costs and shorten the loan term.

Understanding the truth behind these common myths can make homebuyers feel more confident and prepared. By separating fact from fiction, buyers can make smarter choices, explore all available options, and move forward with clarity on the path to owning a home.

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Equal Housing Lender


90 Almeria Ave #204
Coral Gables, FL 33134