Tampa Home Talk Radio

Katrina Madewell

​The goal of our show is simple. We want to help you maintain good credit, live within your means and build wealth!

  1. Aug 26

    Part 3: Think You Don't Need Flood Insurance? The Truth Every Florida Homeowner Should Know | Part 3

    Think your home is safe because it isn't in a "high-risk" flood zone? That assumption could cost you everything. In Part 3 of our flood insurance series, Katrina Madewell sits down with Triton Insurance Agency to uncover what Florida homeowners need to understand before the next major storm. The truth is, every Florida property is located in a flood zone, the real question is whether your lender requires flood insurance. We discuss how new construction, disappearing wetlands, outdated drainage systems, overwhelmed retention ponds, and Florida's rapidly changing landscape are increasing flood risks—even in areas that have never flooded before. You'll also learn: • Why homeowners insurance does not cover rising floodwater • What living in Flood Zone X really means • Why a federal NFIP policy may not provide enough coverage to rebuild • How the NFIP's $250,000 building limit compares with Tampa Bay home values • Why decades without flooding do not guarantee your home is safe • How private flood insurance may provide additional protection • The serious health and safety risks hidden in floodwater Don't wait until water is approaching your front door to find out what your insurance actually covers. Review your policy, understand your limits, and make sure your protection reflects today's Florida—not the Florida of 30 years ago. Subscribe to Tampa Home Talk for honest conversations about Florida real estate, insurance, homeownership, finance, and protecting what you've worked hard to build. Love where you live, or let Katrina fix it!

  2. Aug 18

    PART 3: Think You Can't Qualify for a Home? These Loan Options May Surprise You

    Many future homeowners quietly count themselves out before they ever speak with a lender. Maybe their credit score is not perfect. Their debt-to-income ratio feels too high. They do not have a large down payment saved. Or they assume every mortgage follows the same rules. But the loan program you choose can completely change what is possible. In Part 3 of this Tampa Home Talk conversation, host Katrina Madewell sits down with mortgage expert Sarah Neher of The Mortgage Firm to uncover home loan options and benefits many buyers never realize exist. They break down: • Why VA loans can offer eligible veterans 0% down financing • How VA loans may allow more flexibility with credit and debt ratios • Why eligible disabled veterans may be exempt from the VA funding fee • How FHA loans can help buyers with lower credit scores • When gift funds may be used toward an FHA down payment • The difference between VA, FHA and conventional financing • Why the loan with the lowest down payment is not always the best choice • How automated underwriting evaluates the complete financial picture The biggest takeaway? Do not disqualify yourself before an experienced lender reviews your situation. You may have more options, and be closer to homeownership, than you think. If you are considering buying a home in Tampa Bay or anywhere in Florida, this conversation could change the way you look at financing. 👍 Like this episode, subscribe to Tampa Home Talk and share it with someone who thinks buying a home is out of reach. Hosted by Katrina Madewell Guest: Sarah Neher, The Mortgage Firm

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​The goal of our show is simple. We want to help you maintain good credit, live within your means and build wealth!