persons name

Oliver Orlicki - Team Leader
NMLS - 205123

(813) 302-1616

Meet Oliver Orlicki

I have been in the mortgage business for 15 years and I helped over 1500 clients either purchase or refinance their properties. Contact me now to start planning your mortgage for your dream home today!

Learn More »

Recent Posts

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 ...
Read More...


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 ...
Read More...

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 ...
Read More...


Mortgage Rates Back to 'Golden-Era' Levels

January 16, 2015 Mortgage rates continued moving aggressively lower this week, largely because broader bond markets moved even more aggressively lower.  In fact, in that sense, mortgages had a hard time keeping up, and that ultimately helped them hold their ground on Friday when broader market ...
Read More...

Mortgage Rates Now Back to 20 Month Lows

January 13, 2015 Mortgage rates fell only modestly today, but it was enough for the best rate sheets since mid-May 2013.  That's a new 20 month low, on average. Once again, there were no meaningful events on the economic calendar to motivate market movements.  Instead, the bond marke ...
Read More...


Mortgage Rates Begin 2015 at Long Term Lows

Mortgage rates bounced back after rising somewhat abruptly last week.  The bounce was already in progress as early as last Friday, but received further support on 3 out of this week's 4 business days (markets were closed for New Years Day).  Friday was the biggest of those 3, leaving many lenders' ...
Read More...

Mortgage Rates Level Off After Hitting Lows

Market Summary Mortgage rates finally saw some balanced volatility this week.  Each of the past 2 weeks had either been decisively positive or negative.  This week ended up being both. Things started strong with new 19-month lows on Monday and Tuesday.  The next 2 days brought a sharp turn i ...
Read More...


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...