Mortgage Brokers by City

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.

Displaying 1 - 31 of 31

Renee Amodea-green, 10550 Cedar Forest Cir, Clermont FL 34711
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Joyce Auster, 11431 Crystal View Ct, Clermont FL 34711
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Ernest Bagley, 12609 Crown Point Cir, Clermont FL 34711
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Teresa Bailey, 745 Westview Dr, Clermont FL 34715
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Eric Bastian, 3647 Peaceful Valley Dr, Clermont FL 34711
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Brenda Beal, 11229 Mandarin Dr, Clermont FL 34711
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Colleen Conchelos, 14615 Indian Ridge Trl, Clermont FL 34711
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Gregory Culbertson, 11131 Preston Cove Rd, Clermont FL 34711
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Jean Denatale-larovera, 3620 Hawkshead Dr, Clermont FL 34711
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Thomas English, 12307 Warren Rd, Clermont FL 34711
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Robert Farmer, 11413 Alameda Sandra Dr, Clermont FL 34711
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Michelle Garcia, 2655 Ledgemont Ct, Clermont FL 34711
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Shanna Hawes, 14805 Margaux Dr, Clermont FL 34714
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Pamela Johnson, 10623 Denali Dr, Clermont FL 34711
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Richard Keen, 12152 Lake Valley Dr, Clermont FL 34711
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Cynthia King, 11803 Osprey Pointe Blvd, Clermont FL 34711
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William Mcguire, 936 Sunset Shores Dr, Clermont FL 34715
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Lisa Meyer, 1048 Chelsea Parc Dr, Clermont FL 34715
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Jennifer Micklos, 10829 Masters Dr, Clermont FL 34711
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Michael Mowdy, 3708 Fallscrest Cir, Clermont FL 34711
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Yadira Ortiz Ramos, 1330 Raintree Bnd Apt 303, Clermont FL 34714
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Linda Osterberg, 14108 Vista Del Lago Blvd, Clermont FL 34711
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David Patrick, 16124 Arrowhead Trl, Clermont FL 34711
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Elizabeth Poole, 16610 Majestic Ct, Clermont FL 34711
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Pamela Sams, 15504 Crystal Creek Ct, Clermont FL 34711
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Sandra Snider, 905 Cumberland Cir, Clermont FL 34715
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Jorge Suarez Quinones, 1901 Sanderling Dr, Clermont FL 34711
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Armando Tautiva, 13118 Lakewind Dr, Clermont FL 34711
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Colleen Weatherbee, 10438 Lake Hill Dr, Clermont FL 34711
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Stephanie Welch, 309 Gentle Breeze Dr, Clermont FL 34715
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Zuleika Romo, 16841 Gold Star Ct, Clermont FL 34714
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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.