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Oliver Orlicki - Team Leader
NMLS - 205123

(813) 302-1616

Meet Oliver Orlicki

I have been in the mortgage business for 16 years and I helped thousands of clients either purchase or refinance their properties. Contact me now to start planning your mortgage for your dream home today!

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Recent Posts

FHA Announces Loan Limit Increase for 2018

Fannie Mae and Freddie Mac Baseline Limit Will Increase to $453,100     RELEASE FROM THE FHFA "Washington, D.C. – The Federal Housing Finance Agency (FHFA) ...

5 Simple Steps for First Time Home Buyers

Buying your first home can seem like a daunting task. It doesn't have to be. Spring is historically the busiest season for home purchases around the nation. In Florida, real ...


Tips and To Dos When Moving Into Your New Home

    You just closed on your new home. Congratulations! Now what?   After going through the long and often arduous process of  buying your new home you m ...

Mortgage Pre-Approval 101 Infographic

The Mortgage pre-approval process can be lengthy and confusing. We break it down for you in a great infographic that shows what the pre-approval process contains. You can read more ...


Student Loans & Loan Programs - What matters?

  Student loans can have a great effect on your home purchase and can impact your decisions and mortgage differently depending on what type of loan program you chose. ...

Mortgage Rates Lowest Since April Ahead of Big Jobs Report

  Mortgage rates can seemingly do no wrong this week.  They fell again today--this time making it firmly into territory not seen since late April.  At current levels, many lenders have moved on to quoting conventional 30yr mortgage rates well below what I was able to give most of my p ...
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Mortgage Rates on Year's Longest Winning Streak

Mortgage rates moved moderately lower yet again.  This extends a winning streak that began on July 14th, making it the longest positive trend in 2015.  If this seems paradoxical in light of everything you may have heard about the Fed hiking rates this year, that's normal.  Market participants and ...
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Mortgage Rates Shoot Past Recent Lows; 3.5% Getting More Prevalent

Mortgage rates moved lower today at their fastest pace since January 14th.  Rates sheets moved well past recent lows and back to levels not seen since May 10th 2013.  That was the day that the Wall Street Journal's Hilsenrath suggested the Fed was mapping an exit from stimulus, which sent markets ...
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Renting vs Buying A Home

Buying a home versus renting is a big decision that takes careful consideration. While there are several biased sources that can make arguments for or against owning a home, we've found that most home buyers base their ultimate decision on emotion. Yes, there are some tax advantages of owning real estate, as well as the potential to earn equity or pay a mortgage note off after several years. However, let's address some of the more obvious topics of discussion first. Benefits Of Renting: Lower Acquisition Cost - Unless you're able to qualify for a mortgage loan with zero down and have your closing costs paid for by the seller, a typical investment to purchase a home is around 3.5% - 7% of the purchase price for down payment and closing costs on an FHA mortgage, and an average of 13% - 23% for a home secured by conventional financing. Compared to the cost of about 1-3 month's rent payment, it's obvious that renting a home makes financial sense in the short-term. Lowe ... Read More...