Answers from broker owners Ryan and Megan Winslow
Reviewed and updated October 3, 2026 by Ryan and Megan Winslow, Winslow Homes
Lenders compare your total monthly debts, including the new payment, to your gross monthly income. In Florida, the payment includes insurance, and insurance often costs more than buyers expect.
Principal, interest, property taxes, homeowners insurance, flood insurance where required, mortgage insurance on low down payment loans, and association dues.
Get a pre-approval with actual insurance and tax estimates for the areas you want. Ryan and Megan Winslow are NMLS licensed loan originators (NMLS 2426605 and 2692933).
Written by Ryan and Megan Winslow, broker/owner of Winslow Homes. REALTOR® since 2009, 3,000+ homes sold, broker in FL, MA, CT and RI, U.S. Army retired. About Ryan and Megan.
Updated 2026-09-28. General information, not legal, tax or insurance advice.
Instant answers on programs, payments, towns and homes, any time, in English or Spanish. Ryan and Megan follow up personally.
Estimates from your inputs only. Not a loan offer, rate quote or approval. Ryan and Megan, Mortgage Bankers with The Federal Savings Bank (NMLS #411500), confirm real numbers.
