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 - 34 of 34

Jose Arpajon, 27521 Sw 139th Pl, Homestead FL 33032
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Maida Alvarez, 1650 Ne 33rd Ave Apt 101, Homestead FL 33033
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Diana Aponte, 2407 Ne 42nd Ave, Homestead FL 33033
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Mario Arroyo, 681 Sw 10th St, Homestead FL 33034
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Erica Avila, 3360 Ne 14th Dr Unit 110, Homestead FL 33033
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Richard Benavides, 1956 Se 21st Ct, Homestead FL 33035
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Steven Cappiello, 633 N Krome Ave, Homestead FL 33030
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Aim?e Callahan, 100 Ne 6th Ave Lot 712, Homestead FL 33030
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Paola Fassina, 1205 Se 26th Ave, Homestead FL 33035
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Sophia Flores, 820 N Franklin Ave, Homestead FL 33034
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Lisbeth Garcia Vila, 383 Ne 27th Ter Unit 104, Homestead FL 33033
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Garfield Gomez, 2131 Nw 15th Ter, Homestead FL 33030
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Stephanie Gonzalez, 1749 W Mowry Ct, Homestead FL 33030
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Diahann Holder, 24702 Sw 109th Pl, Homestead FL 33032
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Peter Knoblock, 2204 Se 24th Pl, Homestead FL 33035
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Erick Martinez, 13147 Sw 284th St, Homestead FL 33033
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Isabel Martinez, 2996 Se 15th Ave, Homestead FL 33035
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Justo Montiel, 1677 Se 27th Ct Unit 201, Homestead FL 33035
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Wilfredo Oliveras Torres, 2380 Se 5th Ct, Homestead FL 33033
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Maria Paredes, 3540 Ne 15th Dr, Homestead FL 33033
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Joel Rodriguez, 2248 Ne 42nd Ave, Homestead FL 33033
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Alejandro Ramirez, 1100 Ne 41st Ave, Homestead FL 33033
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Nely Ramirez, 15530 Sw 300th St, Homestead FL 33033
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Ariadna Rodriguez, 27338 Sw 121st Ave # 214, Homestead FL 33032
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Julia Romero, 1716 Egret Rd, Homestead FL 33035
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Rebeca Smidley, 26301 Sw 133rd Ct, Homestead FL 33032
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Daimeone Smalls, 13328 Sw 268th Ter Unit 202, Homestead FL 33032
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Mitchell Tepperman, 20320 Sw 317th St, Homestead FL 33030
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Suvichar Thongkai, 39795 Sw 208th Ave, Homestead FL 33034
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Freddy Trejo, 28602 Sw 153rd Pl, Homestead FL 33033
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Igor Tsigelman, 10709 Sw 240th Ter, Homestead FL 33032
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Ivania Villavicencio, 12095 Sw 251st St, Homestead FL 33032
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Sharon Wilson, 690 Se 28th Ln, Homestead FL 33033
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Linda Lopez, 1352 Se 16th Ave, Homestead FL 33035
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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.