Inside South FloridaCommon Cents


Navigating the Mortgage Maze: Essential Advice from Tropical Financial

Posted at 6:00 PM, Mar 25, 2024
and last updated 2024-03-25 18:00:07-04

Disclaimer: This is sponsored content. All opinions and views are of the advertiser and does not reflect the same of WSFL-TV.

Buying a home is a significant milestone in life, but navigating the mortgage process can be daunting. Vice President of Tropical Financial Credit Union, Amy McGraw, sat down with Inside South Florida to shed light on this complex journey.

Amy emphasizes the importance of starting the homebuying process on the right foot. Rather than immediately diving into property listings, she advises individuals to consult with a mortgage loan officer first. By understanding their financial readiness and getting pre-approved or pre-qualified, buyers can gain clarity on their budget and streamline the homebuying process.

Amy highlights common mistakes that can hinder the mortgage approval process. One crucial error to avoid is making significant financial moves. "Do not apply for credit until you sign on the dotted line and have those keys to the house in hand," cautions Amy. Such actions can jeopardize loan approval and should be avoided until the keys to the house are securely in hand.

When applying for a mortgage, Amy stresses the significance of preparing necessary documents related to income, debts, and employment status. Consulting with a mortgage loan officer can provide clarity on the specific documents required for a successful mortgage application. "Talk to a mortgage loan officer because they can tell you exactly what you need to apply for a mortgage and have the best chance of getting that home," advises Amy.

Amy advocates for working with a credit union like Tropical Financial Credit Union. Credit unions prioritize member satisfaction and offer personalized service, making them an ideal choice for navigating the mortgage process. With experienced mortgage loan officers dedicated to guiding buyers, credit unions ensure a seamless and rewarding homebuying experience.

As a special offer for Inside South Florida viewers, Tropical Financial Credit Union is providing a $500 closing credit or cash back at closing for mortgages of $250,000 or more. This limited-time promotion presents an excellent opportunity for homebuyers to save on closing costs and achieve their homeownership goals.

For those seeking additional information on mortgages and to take advantage of the exclusive offer, Tropical Financial Credit Union has created a dedicated page at

This Inside South Florida segment is sponsored by Tropical Financial Credit Union.

Inside South Florida

10:49 AM, Jul 26, 2019

Inside South Florida is an original, local lifestyle show focused on providing our audience with informative, useful and entertaining content. It features a variety of community organizations, businesses and happenings in South Florida. It is a marketing-friendly program dedicated to offering businesses the opportunity to showcase their company/products, reach potential customers and gain results.

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