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Below is a list of Mortgage Brokers. For contact information, click on the "Mortgage Broker Details" link below.
What You Need to Qualify for a Mortgage
There are several ways to qualify for a mortgage loan in Florida. Residents that are interested in homeownership can take certain steps to help make sure they will meet the requirements for a traditional or an alternate loan and get into the home of their dreams. Here are some things you can do to be eligible for a home loan.
Have Down Payment Funds: This may seem simplistic, but many new home buyers start saving at the last minute. It's best to start saving as soon as possible.
Steady Job History: While you are looking for a home, don't switch jobs during that time. In fact, it's best to stay in the same line of work for at least 2 years.
Ken Hofbauer, 388 N Lombardy Loop, Jacksonville FL 32259 |
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Kim Hoffman, 4463 Timber Bluff Ct, Jacksonville FL 32224 |
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John Holling, 5336 Ramona Blvd, Jacksonville FL 32205 |
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Eric Horn, 14578 Chesham Ct, Jacksonville FL 32258 |
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Ira Horn, 7390 Pineville Dr, Jacksonville FL 32244 |
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Colette Horne, 2942 Amelia Bluff Dr, Jacksonville FL 32226 |
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Cassandra Hughes, 4435 Touchton Rd E Apt 1005, Jacksonville FL 32246 |
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Christina Hughes, 2442 Bentshire Dr, Jacksonville FL 32246 |
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Lawrence Hunter, 285 Bell Branch Ln, Jacksonville FL 32259 |
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Marie Hutchinson, 7612 Las Palmas Way, Jacksonville FL 32256 |
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Tammy Hutchinson, 3900 Oldfld Xing Dr Apt 715, Jacksonville FL 32223 |
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Jason Incles, 1913 E Windy Way, Jacksonville FL 32259 |
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Bert Jones, 7801 Pt Mdws Dr Unit 6107, Jacksonville FL 32256 |
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Bruce Jones, 1524 Nottingham Knoll Dr, Jacksonville FL 32225 |
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Julia Jackson, 6650 Corp Ctr Pkwy Unit 1629, Jacksonville FL 32216 |
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Tommy Jackson, 5710 Lenox Ave Apt 611, Jacksonville FL 32205 |
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Scott Jacobs, 1874 Green Heron Ct., Jacksonville FL 32216 |
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Adam Jenkins, 2922 Lantana Lakes Dr E, Jacksonville FL 32246 |
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Anthony Jennings, 810 Hickory Lakes Dr E, Jacksonville FL 32225 |
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Alaina Johanson, 2207 Segovia Ave, Jacksonville FL 32217 |
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Jaime Johns, 1634 Ashmore Green Dr, Jacksonville FL 32246 |
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Kathy Johns, 2261 5th Ave, Jacksonville FL 32208 |
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Antoinette Johnson, 1747 Derringer Rd, Jacksonville FL 32225 |
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Debra Johnson, 5276 Siesta Del Rio Dr S, Jacksonville FL 32258 |
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Jonathan Johnson, 12024 Cobblestone Forest Circe, Jacksonville FL 32225 |
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Lori Johnson, 1735 Orlando Cir S, Jacksonville FL 32207 |
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Nicole Johnson, 6207 Bartram Village Dr, Jacksonville FL 32258 |
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Tate Johnson, 8290 Gate Pkwy W Unit 158, Jacksonville FL 32216 |
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Stephen Karevich, 2100 Waterfoot Ln, Jacksonville FL 32246 |
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Anita Knight, 969 Blackberry Ln, Jacksonville FL 32259 |
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Edward Kazmierski, 9825 Gate Pkwy N Apt 5109, Jacksonville FL 32246 |
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Daniel Kennedy, 13700 Sutton Park Dr N Apt 936, Jacksonville FL 32224 |
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Verna Kennedy, 605 Sassafras Trce, Jacksonville FL 32259 |
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Antenehe Kifle, 2165 Geneve St, Jacksonville FL 32207 |
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Bradley King, 4481 Catheys Club Ln, Jacksonville FL 32224 |
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Brian King, 1216 Loch Tanna Loop, Jacksonville FL 32257 |
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Joanna King, 8550 Touchton Rd Apt 1122, Jacksonville FL 32216 |
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Patrick Kinnan, 7484 Scarlet Ibis Ln, Jacksonville FL 32256 |
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Robert Kline, 1108 Andrea Way, Jacksonville FL 32259 |
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Mark Kluge, 1640 Lemonwood Rd, Jacksonville FL 32259 |
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Stephanie Knapp, 9745 Touchton Rd Unit 1322, Jacksonville FL 32246 |
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Janet Koenig, 11643 Thornapple Dr, Jacksonville FL 32223 |
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Ryan Kotek, 2482 Cimarrone Blvd, Jacksonville FL 32259 |
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Derrick Kugler, 1757 Harrington Park Dr, Jacksonville FL 32225 |
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Cynthia Kuo, 12311 Kensington Lakes Dr, Jacksonville FL 32246 |
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Idania Lizano, 4651 Emerson St, Jacksonville FL 32207 |
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Ulrike Lyon, 3934 Alcazar Ave, Jacksonville FL 32207 |
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Brianna Labitzke, 8274 Shadetree Ct, Jacksonville FL 32256 |
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Tamala Lang, 869 S Black Cherry Dr, Jacksonville FL 32259 |
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Gregory Lavallee, 11797 Crusselle Dr, Jacksonville FL 32223 |
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Susan Lazcano, 1845 Hawaii Dr E, Jacksonville FL 32246 |
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Elvis Lazri, 10734 Chambers Way E, Jacksonville FL 32257 |
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Christopher Lee, 200 Willow Winds Pkwy, Jacksonville FL 32259 |
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Edward Lee, 8787 Southside Blvd Unit 4109, Jacksonville FL 32256 |
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Michael Lee, 12217 Dove Ridge Dr, Jacksonville FL 32225 |
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Kimberlee Lego, 172 Ivy Lakes Dr, Jacksonville FL 32259 |
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Brett Lenhart, 11324 Harbour Woods Rd S, Jacksonville FL 32225 |
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David Lewis, 4263 Losco Rd Apt 1312, Jacksonville FL 32257 |
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James Little, 9716 San Jose Blvd, Jacksonville FL 32257 |
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Michael Logan, 2965 Captiva Bluff Ct, Jacksonville FL 32226 |
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Christopher Loggins, 4317 Rustling Leaf Ln, Jacksonville FL 32258 |
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Keith Lomblo, 11773 Links Ct, Jacksonville FL 32225 |
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Michele Losapio, 3330 Scrub Oak Ln, Jacksonville FL 32223 |
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Stephanie Lutzen, 15177 Landmark Cir S, Jacksonville FL 32226 |
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Jeffrey Middlekauff, 4333 Venetia Blvd, Jacksonville FL 32210 |
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Baker Madison, 4205 Ortega Blvd, Jacksonville FL 32210 |
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Christopher Manning, 10075 Gate Pkwy N Apt 3011, Jacksonville FL 32246 |
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Andrew Marks, 6118 Cherry Lake Dr N, Jacksonville FL 32258 |
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Sean Martin, 1811 Saint Lawrence Way # 6-h, Jacksonville FL 32223 |
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Douglas Maurer, 13551 Sol Ct, Jacksonville FL 32224 |
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Robert Mayrand, 11455 Emma Oaks Ln, Jacksonville FL 32221 |
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Kate Mcconnell, 136 Woodcross Dr, Jacksonville FL 32259 |
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Timothy Mcconnell, 136 Woodcross Dr, Jacksonville FL 32259 |
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Brion Mcdermott, 728 Shipwatch Dr E, Jacksonville FL 32225 |
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John Mcewen, 13229 Karla Cove Ln, Jacksonville FL 32225 |
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Patrick Mcintosh, 2119 Chandlers Walk Ln, Jacksonville FL 32246 |
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Gloria Mckenzie, 3795 Casitas Dr, Jacksonville FL 32224 |
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Travis Mclendon, 10852 Torrin Rd, Jacksonville FL 32221 |
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Terry Mcleroy, 7897 Monterey Bay Dr, Jacksonville FL 32256 |
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Tamika Mcmanus, 4083 Sunbeam Rd Apt 2007, Jacksonville FL 32257 |
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Stephen Mcnally, 9532 Glenn Abbey Way, Jacksonville FL 32256 |
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Mark Meacham, 504 Basswood Ct, Jacksonville FL 32259 |
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Tammy Mencia, 12278 Benton Harbor Dr S, Jacksonville FL 32225 |
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Dennis Mertes, 7068 Deer Lodge Cir Unit 105, Jacksonville FL 32256 |
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William Michael, 12700 Bartrm Pk Blvd Apt 420, Jacksonville FL 32258 |
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Elizabeth Miller, 14080 Cahaba Rd # 457, Jacksonville FL 32224 |
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Stephen Miller, 2945 Sydney St Apt 1, Jacksonville FL 32205 |
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Daniel Mills, 3755 Pinckney Island Ct, Jacksonville FL 32224 |
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Daniel Mitchell, 6489 May Tree Ct, Jacksonville FL 32258 |
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Francis Mockenhaupt, 8130 Baymeadows Way W Ste 10, Jacksonville FL 32256 |
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Jose Monteza, 12344 Bucks Harbor Dr N, Jacksonville FL 32225 |
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Dennis Mooneyham, 5252 Julington Forest Dr S, Jacksonville FL 32258 |
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James Moore, 2338 Cool Springs Dr N, Jacksonville FL 32246 |
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Thomas Morcom, 4441 Barrington Oaks Dr, Jacksonville FL 32257 |
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Ronald Morgan, 8680 Baymeadows Rd E Apt 237, Jacksonville FL 32256 |
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Alexander Morris, 1700 San Pablo Rd S Apt 122, Jacksonville FL 32224 |
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Lloyd Mullins, 401 Monument Rd Apt 168, Jacksonville FL 32225 |
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Thomas Mullis, 10247 Heather Glen Dr, Jacksonville FL 32256 |
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Matthew Munn, 11102 Parkside Preserve Way, Jacksonville FL 32257 |
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Timothy Munsell, 2307 Chartley Ln N, Jacksonville FL 32246 |
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Income 2 to 3 Times Your Mortgage Payment: You should earn 2 to 3 times more than what your monthly payment is estimated to be.
Get Your Credit Score to a Good Rating: Before going to a mortgage broker's office, do what you need to do to get your credit rating in the good range. You certainly don't need your credit score to be perfect to qualify, but you may need to boost your rating if it is in the poor or fair range.
Check Your Credit History Thoroughly: Lenders like to look at credit histories. This lets the lender make a more informed decision regarding loan prequalification. Through the credit report, lenders will get your credit score, also called the FICO score. Your credit score represents the statistical summary of data contained within the credit report. It includes bill payment history and the number of outstanding debts in comparison to the your income. The higher the credit score, the easier it is to get a loan or to pre-qualify for a mortgage. If the you habitually pay bills late, then a lower credit score is expected. A lower score may persuade the lender to reject the application, require a large down payment, or assess a high interest rate in order to reduce the risk.
Check Out Alternate Loan Programs: If you have had a couple of denials, you may want to seek out home loan services for FHA home buyers, or other alternative programs. Make sure that you learn about some non-traditional programs that may help you to get qualified.
Collateral and Mortgage Loan Qualification: If the loan would exceed the amount the property is worth, the lender will not loan the money. If the appraisal shows the property is worth less than the offer, the terms can sometimes be negotiated with the seller and the real estate agent representing the seller. You may even pay the difference between the loan and the sales price if you agree to purchase the home at the price that was originally offered. To do this, you need to have disposable cash and should ask the question of whether or not the property is likely to hold its value. Consider the type of loan you qualify for. For instance, if you would need to move suddenly and the loan is larger than the value of the property, the loan can be very difficult to pay off.
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