Welcome to **The South Florida Mortgage Report** — the only place where mortgages meet palm trees 🌴. Craig Garcia and Bill Mei aren’t just mortgage pros — they’re Florida natives, Navy vets (well, Bill is 😉), and seasoned guides through the sometimes *wild and wavy* waters of home financing. From first-time buyers to savvy investors, VA loans to jumbo deals, they’ll break it all down with straight talk, good humor, and just enough insider knowledge to make you the smartest person at the closing table. Why subscribe? ✅ Two mortgage veterans with decades of experience (and plenty of stories)