Field Notes

Real files. Real numbers. What actually happened.

Notes from Tony Fitzgerald's desk on how Florida mortgages actually work — the escrow resets, the homestead deadlines, and the details nobody mentions at the closing table. Written for Sarasota, Bradenton, and the Gulf Coast.

Can't Carry Both Homes on Your Paycheck? Other Ways to Qualify

Can't Carry Both Homes on Your Paycheck? Other Ways to Qualify

Tony Fitzgerald
Published on: 05/11/2026

Buying your next home before you sell, and your pay stubs will not carry both payments? An asset qualifier, a bank statement loan, or a DSCR loan on the old house might. Here is what each one does and what it costs.

asset depletion loanbank statement loan

Tony Fitzgerald · NMLS #1284924 · 1st Response Mortgage · powered by Mpire Financial Group LLC · NMLS #2108504 · Florida License #MLD2467 · Mortgage Broker · Sarasota, FL · (941) 941-5150

EQUAL HOUSING
OPPORTUNITY
EQUAL HOUSING
LENDER

View full legal disclosures →