Bock Mortgage Group

Michael Bock and Theresa NeSmith

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Michael Bock July 3, 2025

Understanding the Basics of Mortgage Securitization

Mortgage securitization is the financial process of pooling together multiple mortgage loans and converting them into tradable investment securities. These securities are then sold to investors in the secondary market. This process provides liquidity to lenders, enabling them to issue more loans and support continued access to home financing.

Filed Under: Mortgage Tagged With: Home Loan Basics, Mortgage Market, Mortgage Securitization

Michael Bock July 2, 2025

Understanding the Federal Housing Administration Title I Home Improvement Loan Program

The Federal Housing Administration Title I Home Improvement Loan Program is a government-backed initiative designed to help homeowners finance necessary repairs, upgrades, and improvements to their primary residence. Established under the National Housing Act, this program makes funding accessible for individuals who may not qualify for traditional home equity loans due to limited equity or lower credit scores.

Filed Under: Mortgage Tagged With: Home Improvement Loan, Mortgage Education, Title I Program

Michael Bock July 1, 2025

The Impact of Gender and Race on Mortgage Approval Rates

The mortgage approval process is a critical step in the path to homeownership. While lending guidelines are designed to promote fair and consistent evaluation, studies have shown that disparities persist based on gender and race. These differences raise important concerns about equal access to credit and the long-term effects on wealth building, community development, and financial equity in the United States.

Filed Under: Mortgage Tagged With: Fair Lending, Homeownership Access, Mortgage Equity

Michael Bock June 27, 2025

From Pre-Approval to Closing What to Expect in the Mortgage Journey

June is National Homeownership Month, making it the perfect time to understand the full path to homeownership. If you are planning to buy a home, especially for the first time, knowing what to expect during the mortgage process can take away much of the stress. This guide walks you through each step and highlights how working with the right mortgage professional keeps everything on track.

Filed Under: Mortgage Tagged With: Mortgage Journey, National Homeownership Month, Pre-Approval To Closing

Michael Bock June 26, 2025

How HomeReady and Home Possible Mortgages Open Doors During National Homeownership Month

June is National Homeownership Month, a time to spotlight the programs that make owning a home more accessible to more people. While many potential buyers believe they need perfect credit or a large down payment, programs like HomeReady(R) and Home Possible(R) prove otherwise. As a mortgage originator, I see firsthand how these affordable loan options can turn homeownership from a dream into a reality.

Filed Under: Mortgage Tagged With: Home Possible Loan, Home Ready Loan, National Homeownership Month

Michael Bock June 6, 2025

How Property Taxes Impact Your Mortgage Payment

When buying a home, most people focus on the home price, interest rate, and monthly payment. But there’s another major factor that can significantly affect your mortgage: property taxes. These taxes can make your mortgage payment higher than expected and understanding how they work is key to managing your budget effectively.

Filed Under: Mortgage Tagged With: Escrow Account, Mortgage Tips, Property Taxes

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Michael and Theresa Bock

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Michael Bock
Mortgage Loan Originator

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Michael NMLS #1749855
Theresa NMLS #1996065

Bock Mortgage Group

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Michael Bock | NMLS #1749855
Theresa Bock | NMLS #1996065
Licensed Mortgage Loan Originators
Bock Mortgage Group LLC. | NMLS# 2504921

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Florida · Clearwater, FL · Pinellas County, FL · Brandon, FL · Pasco, FL · Saint Petersburg, FL · Wesley Chapel, FL · Riverview, FL · Tampa, FL

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