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 - 23 of 23

Katie Blake, 2040 Douglas Ave, Dunedin FL 34698
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Michael Banner, 574 Bella Loop, Dunedin FL 34698
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Anthony Darlak, 1654 Patricia Ave, Dunedin FL 34698
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Marc Destefano, 1630 Honeybear Ln, Dunedin FL 34698
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Kelly Dixon, 1110 Nelson St, Dunedin FL 34698
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Benjamin Feller, 225 Grove Cir S, Dunedin FL 34698
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Peter Hart, 1430 Duncan Loop N Apt 301, Dunedin FL 34698
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Mary Hoskinson, 2255 Harbor View Dr, Dunedin FL 34698
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Brandon House, 3390 Clarine Way W, Dunedin FL 34698
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Craig Inglis, 1184 Robmar Rd, Dunedin FL 34698
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David Kelly, 1871 Pasadena Dr, Dunedin FL 34698
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Jennifer Kasper, 720 Lyndhurst St Unit 1121, Dunedin FL 34698
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Amanda Kirkland, 1400 San Christopher Dr, Dunedin FL 34698
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Thomas Martin, 403 San Salvador Dr, Dunedin FL 34698
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Stanley Parks, 343 Causeway Blvd # B20, Dunedin FL 34698
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Glen Pettersen, 1120 Mccarty St, Dunedin FL 34698
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Barbara Ross, 1993 Spanish Pines Dr, Dunedin FL 34698
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Karen Skiratko, 1962 Indian Creek Ct, Dunedin FL 34698
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Michael Turley, 1361 Bluffs Cir, Dunedin FL 34698
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Vito Viviano, 1274 Little John Ln, Dunedin FL 34698
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Tamara Dragon, 2416 Baywood Dr W, Dunedin FL 34698
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Rodney Jackson, 3352 Covered Bridge Dr E, Dunedin FL 34698
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Didier Malagies, 2416 Baywood Dr W, Dunedin FL 34698
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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.