Most new Florida homeowners forget to file one of the most important documents after closing — the Homestead Exemption. In this episode, we break down how it works, why it matters, and how much it can save you.

We also unpack:

• The March 1st deadline that catches people off guard

• The Save Our Homes cap that protects you from tax spikes

• 7 other exemptions you may qualify for: veterans, seniors, disabilities, and more

• A heated debate: Should Florida eliminate property taxes altogether?

Don’t leave thousands on the table.

Are housing prices going to crash in 2026? Not likely — and especially not in Florida. In this episode of The Brutally Honest Loan Officers Podcast, Stephen and Derick break down the data behind why prices haven’t fallen (even with higher rates), why Florida is a unique real estate market, and how waiting to buy could actually cost you more in the long run.

Tax season is here — and if you're getting a refund, you're probably wondering what to actually do with it. In this episode of The Brutally Honest Loan Officers Podcast, Stephen and Derick break down how to use your tax refund wisely — whether you're paying off high-interest credit cards, saving for a down payment, or planning to buy a home in 2026. We’ll cover: • Why a big refund isn’t always a good thing • How adjusting your tax withholding can boost your monthly cash flow • Smart ways to use a tax refund for debt reduction or homeownership • The truth about mortgage interest deductions • Why you should never spend money just for a write-off • Tips for W2 earners who want to reduce taxable income like self-employed pros 💡 Whether you’re a first-time buyer, homeowner, or just trying to make smarter financial moves, this episode is packed with real-world mortgage and money advice you won’t get from TikTok.