Malina Rojas

Senior Loan Originator

NMLS: 182189

Malina@smartmtg.com

Licensed in Florida & Georgia

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Blog Posts:

New FHFA Loan Limits for 2027
Your Home Equity: 10 Ways to Cash Without Moving Out
Comparing Closing Costs Across the Country
Should First-Time Buyers Consider a Lease Option?
Smart Buyers Are Winning in Today's Market
In a Recession Do Mortgage Rates Rise or Fall?
From Renter to Homeowner: Mastering the Lease Transition
Debt Consolidation Loans and Your Credit Score
Home Buying Advantages for Federal Employees
8 Strategies to Buy a Home in a Tight Market
Ready to Buy a Home but worried about a Down Payment?
Navigating USDA and FHA Loan Differences
4 Specialized Home Inspections Buyers Should Consider
10 Steps to Buying a Home This Summer
Should You Talk to a Lender or Real Estate Agent First?
Buying a Vacation Home: What You Need to Know Before You Invest
Do VA Refinance Rates Differ from Purchase Rates?
Understanding Jumbo Loans: When Do they Make Sense?
How Adjustable-Rate Mortgages Work: A Complete Guide
How the Federal Reserve Impacts Mortgage Rates
Pay Off Your Mortgage Early or Invest? How to Make the Right Financial Move
How Adjustable-Rate Loans Work and When They Make Sense
8 Smart Questions to Ask Before Refinancing Your Mortgage
VA Loan Offers: What Home Sellers Really Need to Know
Multifamily Property Investing: Benefits, Risks, and Financing Explained
What Rights Do You Have as a Homeowner? A Guide to Property Law Basics
The Truth in Lending Act - Key Protections Every Borrower Should Know
Understanding VA Loan Options for Veterans
Selling a House that has a Home Equity Loan
How to Protect Yourself from Common Mortgage Scams
Buy a Home using the House Hacking Strategy
What Credit Score Do You Need to Buy a House in 2026?
Mortgage Loans for Self-Employed Borrowers
Using a HELOC to Buy a Second Home
FHA Refinancing Options: A Practical Guide for Homeowners
Airbnb Investing - What Investors Need to Know
VA Mortgage Rate Basics Explained
How Real Estate Tax Benefits Help Build Long-Term Wealth
Refinancing an Adjustable-Rate Mortgage into a Fixed-Rate Loan
A Guide to Buying a Home in Retirement
Is Your Mortgage Payment Too High? Here’s How to Lower It
FHA Compensating Factors: Strengthening Your Loan Application
Merry Christmas
Using a HELOC to Pay Off Credit Card Debt: Is It Right for You?
Starter Home vs. Forever Home: Making the Right Choice
Buying a Property with Existing Tenants
VA Housing Grants for Disabled Veterans: Adapting Homes for Independence
Joint VA Loans: Combining Forces for Homeownership
Will Home Prices Drop? Understanding Real Estate Market Trends
Happy Veterans Day!
Is a 30-Year Mortgage Right for You?
Happy Halloween!
Is Now the Right Time for a Home Equity Line of Credit?
The First-Time Homebuyer's Complete Guide
Understanding Mortgage Closing Costs
VA Loans: Your Qualification Guide
A Mortgage Tax Credit That Could Save You $2,000 a Year
Does Refinancing your Mortgage Make Sense?
Why Buying a Duplex Makes Financial Sense
The Mortgage Spread is Shrinking
Tips to Get a Lower Rate on a VA Loan
Force-Placed Insurance: The Costly Mistake Every Homeowner Should Avoid
Is it Better to Buy or Rent?
Learn More about Home Renovation Loans
Explaining the Mortgage Contingency Clause
The Changing Tides of the Housing Market
Dreaming of Your Own Slice of Paradise? Vacation Home Buying Considerations
A Guide to Using a Home Equity Loan for an Investment Property
Why Some Veterans Choose Conventional Loans Over VA Loans
The Mortgage Revolution: How AI is Shaking Things Up
What's Rent-vesting and Can It Help Me Become a Homeowner?
Facing Foreclosure? Here’s What You Can Do Now
Should You Hold Out for Lower Interest Rates Before Buying a House?
More Borrowers Are Putting 20% Down - Should You?
Where Do Mortgage Lenders Get Funds for Home Loans?
What Are the Financial Benefits of Owning a Home?
Understanding VA Loan Occupancy Requirements
Why You Should Definitely Do a Pre-Settlement Walkthrough
The Pros and Cons of Buying a Historic House
5 Tips for Buying a Home When Interest Rates are High
Why Hazard Insurance Matters When You’re Buying a Home
Am I Too Young For a Mortgage?
The Pros & Cons of Buying a Foreclosure
VA Loans: Your Top Questions Answered
How to Challenge a Low Home Appraisal
Buying a House? Don't Forget About Schools!
Your Step-by-Step Guide to the Homebuying Process
How to Know If You’re Ready to Buy a Home: Key Considerations
5 Ways to Buy a Home With No Down Payment
Unlocking the Power of Home Equity
3-2-1 Buydown Mortgage Loans
Your Guide to Saving for a Down Payment
Why Your Credit Score Matters When Buying a House
Unlock Your Home’s Potential with a Fixed-Rate HELOC
FHA Gift Funds: Unlocking the Door to Your New Home
Wishing Your Family a Wonderful Holiday Season 🎄🎁 🏡
Higher Loan Limits for 2025 Announced
Non-QM Loans: Flexible Home Financing for Self-Employed & Investors
The Inside Scoop on the Top 5 Mortgage Loan Types
How Long is a Mortgage Pre-approval Good For?
Key Questions to Ask Your Mortgage Lender
Understanding Sales Price vs. Appraised Value in Real Estate
Preparing for Your First Mortgage Payment: Key Details to Know
Is FHA Streamline Refinance Right for You?
Should You Buy a Condo Vacation Property?
The Rise of Single Women Homeowners: Tips for Navigating the Journey
A Simple Guide to First-Time Homebuyer Programs
How Self-Employed Individuals Can Secure a Mortgage with Confidence
Understanding the VA Loan: How Many Times Can You Use It?
Understanding Mortgage Rates: A Guide for First-Time Homebuyers
Top Reasons to Refinance Your Home: Key Benefits to Consider
Refinance Your Home, Even if You Have Limited Equity
A Strategic Approach to Adjustable-Rate Mortgages
Home Equity Loans vs. HELOC: Which is Right for You?
How High Balance Loans Can Help You Afford a Home in Expensive Markets
Housing Assistance Programs for Veterans
A Guide to Freddie Mac CHOICERenovation Loans
How Veterans Can Benefit from the VA Loan Streamline Refinance (IRRRL)
Unlocking Real Estate Potential with HELOCs
Shared Equity vs. Traditional Loans: What’s Better for Homebuyers?
Can You Afford to Buy a Vacation Home?
Mortgage Options For Single Parents
Mortgage Co-signers : A Strategic Partnership for Homebuyers
Pros and Cons of No-Down Payment Loans
Building Your Dream Home: The Essential Guide to Construction Loans
How To Pay Off Your Mortgage Faster
A Veteran’s Guide to Home Loans with Bad Credit

Smart Mortgage

These materials are not from HUD, USDA, FHA or the VA. These materials were not approved by any government agency. They are independent of any government agency. We are not affiliated in any way with any organization listed or referenced in this website including HUD / FHA/ USDA or VA. The inclusion of various education, information, web links or materials are not an endorsement of the sender or any of its employees or business partners.

6601 Park of Commerce Blvd, Ste 12-182
Boca Raton, FL 33487

561-562-1490

NMLS: 2152851

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