Skip to content
Mortgage Management
  • Refinance
  • Purchase
  • Loan Process
  • Resources
  • Introduction
  • Contact
Mortgage Management
  • Refinance
  • Purchase
  • Loan Process
  • Resources
  • Introduction
  • Contact

Posts by admin

The Equity Advancer Method: It’s Just Math

By admin | June 10, 2026 | 0

Using a HELOC to pay off your mortgage faster isn’t magic — it’s arithmetic. Here’s exactly how the numbers work.

Read More

How Much House Can You Actually Afford in Florida Right Now?

By admin | June 10, 2026 | 0

Purchase price is just one number. Taxes, insurance, and HOA fees in Florida can add hundreds to your monthly payment.

Read More

Which One Actually Wins in a High-Rate Environment?

By admin | June 10, 2026 | 0

A cash-out refi might feel like the obvious move — but in today’s rate environment, a HELOC often wins. Here’s the math.

Read More

Florida Home Equity Is Near Record Highs — Here’s How to Use It Wisely

By admin | June 10, 2026 | 0

Florida homeowners are sitting on more equity than ever. But tapping it the wrong way can cost you more than it saves.

Read More

What Is SOFR and How Does It Affect Your HELOC Rate?

By admin | June 10, 2026 | 0

Your HELOC rate isn’t random — it’s tied to a global benchmark called SOFR. Here’s what that means for your monthly payment.

Read More

What Is a HELOC and How Does It Actually Work?

By admin | June 10, 2026 | 0

A HELOC isn’t a loan — it’s a line of credit secured by your home. Understanding the difference changes how you think about using it.

Read More

5 Mistakes Homeowners Make When Trying to Pay Off Their Mortgage Early

By admin | June 10, 2026 | 0

Most homeowners trying to pay off early are doing it wrong — not because they’re careless, but because nobody showed them the right order of operations. Here are the five most common mistakes.

Read More

You Borrowed $600,000 — But You’ll Pay Back Nearly $1 Million. Here’s Why.

By admin | June 10, 2026 | 0

You locked in a great rate — but do you know how much that loan actually costs you over 30 years? The answer might surprise you.

Read More

Recent Posts

  • The Equity Advancer Method: It’s Just Math
  • How Much House Can You Actually Afford in Florida Right Now?
  • Which One Actually Wins in a High-Rate Environment?
  • Florida Home Equity Is Near Record Highs — Here’s How to Use It Wisely
  • What Is SOFR and How Does It Affect Your HELOC Rate?

Recent Comments

No comments to show.
<style>
@import url('https://fonts.googleapis.com/css2?family=Playfair+Display:wght@400;600&family=DM+Sans:wght@300;400;500&display=swap');

.fif-wrap * { box-sizing: border-box; }
.fif-wrap {
  background: #091E5F !important;
  font-family: 'DM Sans', sans-serif !important;
  color: #fff !important;
  width: 100vw;
  position: relative;
  left: 50%;
  margin-left: -50vw;
  padding: 50px 60px 0;
}
.fif-grid {
  display: grid;
  grid-template-columns: 1fr 1fr 1fr;
  padding-bottom: 40px;
  border-bottom: 1px solid rgba(255,255,255,0.1);
}
.fif-col {
  padding: 0 40px;
  border-right: 1px solid rgba(255,255,255,0.08);
}
.fif-col:first-child { padding-left: 0; }
.fif-col:last-child { border-right: none; padding-right: 0; }
.fif-divider {
  width: 28px;
  height: 2px;
  background: rgba(255,255,255,0.2);
  margin-bottom: 14px;
}
.fif-col h4 {
  font-size: 10px !important;
  font-weight: 500 !important;
  letter-spacing: 2.5px !important;
  text-transform: uppercase !important;
  color: rgba(255,255,255,0.4) !important;
  margin: 0 0 22px !important;
  font-family: 'DM Sans', sans-serif !important;
}
.fif-name {
  font-family: 'Playfair Display', serif !important;
  font-size: 20px !important;
  font-weight: 600 !important;
  color: #fff !important;
  margin: 0 0 18px !important;
  display: block;
}
.fif-item {
  display: flex !important;
  align-items: center !important;
  gap: 9px !important;
  margin-bottom: 11px !important;
  color: rgba(255,255,255,0.65) !important;
  font-size: 14px !important;
  font-family: 'DM Sans', sans-serif !important;
}
.fif-item svg {
  width: 14px;
  height: 14px;
  flex-shrink: 0;
  opacity: 0.4;
  stroke: #fff;
}
.fif-nmls {
  display: inline-block !important;
  margin-top: 18px !important;
  background: rgba(255,255,255,0.07) !important;
  border: 1px solid rgba(255,255,255,0.15) !important;
  border-radius: 4px !important;
  padding: 5px 13px !important;
  font-size: 12px !important;
  letter-spacing: 0.5px !important;
  color: rgba(255,255,255,0.5) !important;
}
.fif-col ul {
  list-style: none !important;
  padding: 0 !important;
  margin: 0 !important;
}
.fif-col ul li {
  margin-bottom: 14px !important;
}
.fif-col ul li a {
  color: rgba(255,255,255,0.65) !important;
  text-decoration: none !important;
  font-size: 14px !important;
  font-family: 'DM Sans', sans-serif !important;
}
.fif-col ul li a:hover { color: #fff !important; }
.fif-nexa-box {
  background: #091E5F !important;
  border: 1px solid rgba(255,255,255,0.25) !important;
  border-radius: 6px !important;
  padding: 12px 16px !important;
  display: inline-flex !important;
  align-items: center !important;
  justify-content: center !important;
  margin-bottom: 22px !important;
}
.fif-nexa-box img {
  max-height: 46px !important;
  max-width: 140px !important;
  display: block !important;
  object-fit: contain !important;
}
.fif-corp-label {
  display: block !important;
  font-size: 10px !important;
  letter-spacing: 2px !important;
  text-transform: uppercase !important;
  color: rgba(255,255,255,0.35) !important;
  margin-bottom: 10px !important;
  font-family: 'DM Sans', sans-serif !important;
  font-weight: 500 !important;
}
.fif-corp-line {
  font-size: 13px !important;
  color: rgba(255,255,255,0.55) !important;
  margin: 0 0 4px !important;
  line-height: 1.7 !important;
  display: block !important;
  font-family: 'DM Sans', sans-serif !important;
}
.fif-eh-box {
  background: transparent !important;
  border: 1px solid rgba(255,255,255,0.25) !important;
  border-radius: 6px !important;
  padding: 12px 16px !important;
  display: inline-flex !important;
  align-items: center !important;
  justify-content: center !important;
  margin-top: 20px !important;
}
.fif-eh-box img {
  max-height: 65px !important;
  max-width: 95px !important;
  display: block !important;
  object-fit: contain !important;
}
.fif-bar {
  display: flex !important;
  justify-content: space-between !important;
  align-items: center !important;
  padding: 16px 0 !important;
  flex-wrap: wrap !important;
  gap: 10px !important;
}
.fif-bar-copy {
  font-size: 11px !important;
  color: rgba(255,255,255,0.3) !important;
  margin: 0 !important;
  font-family: 'DM Sans', sans-serif !important;
}
.fif-bar-links { display: flex !important; gap: 20px !important; }
.fif-bar-links a {
  font-size: 11px !important;
  color: rgba(255,255,255,0.4) !important;
  text-decoration: none !important;
  font-family: 'DM Sans', sans-serif !important;
}
.fif-bar-links a:hover { color: rgba(255,255,255,0.75) !important; }

@media (max-width: 768px) {
  .fif-wrap { padding: 40px 24px 0 !important; }
  .fif-grid { grid-template-columns: 1fr !important; }
  .fif-col { padding: 0 0 32px 0 !important; border-right: none !important; border-bottom: 1px solid rgba(255,255,255,0.08) !important; margin-bottom: 32px !important; }
  .fif-col:last-child { border-bottom: none !important; margin-bottom: 0 !important; }
}
</style>

<div class="fif-wrap">
  <div class="fif-grid">

    <div class="fif-col">
      <div class="fif-divider"></div>
      <h4>Stay Connected</h4>
      <span class="fif-name">Ryan Ehmen</span>
      <div class="fif-item">
        <svg viewBox="0 0 24 24" fill="none" stroke-width="2" xmlns="http://www.w3.org/2000/svg"><path d="M22 16.92v3a2 2 0 01-2.18 2 19.79 19.79 0 01-8.63-3.07A19.5 19.5 0 013.07 9.8 19.79 19.79 0 01.22 1.18 2 2 0 012.22 0h3a2 2 0 012 1.72c.127.96.361 1.903.7 2.81a2 2 0 01-.45 2.11L6.91 7.09a16 16 0 006 6l.56-.56a2 2 0 012.11-.45c.907.339 1.85.573 2.81.7A2 2 0 0122 16.92z"/></svg>
        239.877.1971
      </div>
      <div class="fif-item">
        <svg viewBox="0 0 24 24" fill="none" stroke-width="2" xmlns="http://www.w3.org/2000/svg"><path d="M4 4h16c1.1 0 2 .9 2 2v12c0 1.1-.9 2-2 2H4c-1.1 0-2-.9-2-2V6c0-1.1.9-2 2-2z"/><polyline points="22,6 12,13 2,6"/></svg>
        <a href="mailto:rehmen@nexalending.com" style="color:rgba(255,255,255,0.75)!important;text-decoration:none!important;">rehmen@nexalending.com</a>
      </div>
      <div class="fif-item">
        <svg viewBox="0 0 24 24" fill="none" stroke-width="2" xmlns="http://www.w3.org/2000/svg"><path d="M21 10c0 7-9 13-9 13s-9-6-9-13a9 9 0 0118 0z"/><circle cx="12" cy="10" r="3"/></svg>
        Naples, FL
      </div>
      <span class="fif-nmls">NMLS: 264632</span>
    </div>

    <div class="fif-col">
      <div class="fif-divider"></div>
      <h4>Quick Links</h4>
      <ul>
        <li><a href="https://financeinflorida.com/document-checklist">Document Checklist</a></li>
        <li><a href="https://financeinflorida.com/mortgage-insights">Mortgage Insights</a></a></li>
        <li><a href="https://financeinflorida.com/privacy-policy">Privacy Policy</a></li>
        <li><a href="https://www.nmlsconsumeraccess.org" target="_blank">NMLS Consumer Access</a></li>
      </ul>
    </div>

    <div class="fif-col">
      <div class="fif-divider"></div>
      <h4>Licensed By</h4>
      <div style="display:flex;align-items:center;gap:12px;margin-bottom:22px;">
        <div class="fif-nexa-box" style="margin-bottom:0!important;">
          <img src="https://financeinflorida.com/wp-content/uploads/2026/06/Nexa_Mortgage_Logo_White.png" alt="NEXA Mortgage">
        </div>
        <div class="fif-eh-box" style="margin-top:0!important;">
          <img src="https://financeinflorida.com/wp-content/uploads/2026/06/Equal_Housing_Lender_Gray.png" alt="Equal Housing Lender">
        </div>
      </div>
      <span class="fif-corp-label">Corporate Address</span>
      <span class="fif-corp-line">5559 S Sossaman Rd Bldg #1</span>
      <span class="fif-corp-line">Suite #101, Mesa, AZ 85212</span>
      <span class="fif-corp-line">NMLS: 1660690</span>
    </div>

  </div>

  <div class="fif-bar">
    <p class="fif-bar-copy">© 2025 Finance in Florida &middot; Ryan Ehmen &middot; NEXA Mortgage &middot; NMLS 264632</p>
    <div class="fif-bar-links">
      <a href="https://financeinflorida.com/privacy-policy">Privacy Policy</a>
      <a href="https://www.nmlsconsumeraccess.org" target="_blank">NMLS Consumer Access</a>
    </div>
  </div>

</div>

Stay Connected

Ryan Ehmen
239.877.1971
rehmen@nexalending.com
Naples, FL
NMLS: 264632

Quick Links

  • Document Checklist
  • Blog
  • Privacy Policy
  • NMLS Consumer Access

Licensed By

NEXA Mortgage
Equal Housing Lender
Corporate Address 5559 S Sossaman Rd Bldg #1 Suite #101, Mesa, AZ 85212 NMLS: 1660690

© 2025 Finance in Florida · Ryan Ehmen · NEXA Mortgage · NMLS 264632

Privacy Policy NMLS Consumer Access