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 - 47 of 47

Hager Barnthouse, 5139 Rushbrook Rd, Land O Lakes FL 34638
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Shannon Barron, 19725 Ellendale Dr, Land O Lakes FL 34638
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Tiffany Callahan, 2233 Madaca Ln Apt 102, Land O Lakes FL 34639
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Kenneth Campione, 22126 Laver Ln, Land O Lakes FL 34639
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Michael Cockman, 3843 Round Table Ct, Land O Lakes FL 34638
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Julia Colon, 22750 Marsh Wren Dr, Land O Lakes FL 34639
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Julie Cook, 24805 Hyde Park Blvd, Land O Lakes FL 34639
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George Cooper, 21116 Los Cabos Ct, Land O Lakes FL 34637
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George Dudley, 3936 Round Table Ct, Land O Lakes FL 34638
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Justin Ellis, 2641 Billingham Dr, Land O Lakes FL 34639
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Brian Fancher, 25435 Bruford Blvd, Land O Lakes FL 34639
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Nair Feliciano, 19530 Timberbluff Dr, Land O Lakes FL 34638
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Leopoldo Fernandez, 3432 Leaf Lake Dr, Land O Lakes FL 34639
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Michael Garmendia, 3436 Coconut Grove Rd, Land O Lakes FL 34639
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Stephanie Grassi, 20924 Broadwater Dr, Land O Lakes FL 34638
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Robert Gustaf, 19809 Bellehurst Loop, Land O Lakes FL 34638
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Jose Guzman, 23104 Dover Dr, Land O Lakes FL 34639
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Robert Hoffman, 7030kendall Heath Way, Land O Lakes FL 34637
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Mark Hogrefe, 19755 Ellendale Dr, Land O Lakes FL 34638
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Marc Hutchison, 24848 Hyde Park Blvd, Land O Lakes FL 34639
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Stephanie Imburgia, 22640 Killington Blvd, Land O Lakes FL 34639
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Jeffrey Jennings, Po Box 2106, Land O Lakes FL 34639
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Theodore Jeschke, 3422 Pendleton Way, Land O Lakes FL 34639
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Raul Jimenez, 9820 Asbel Estates St, Land O Lakes FL 34638
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Mary Johnson, 2709 Butterfly Landing Dr, Land O Lakes FL 34638
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John Keppley, 24645 Oaks Blvd, Land O Lakes FL 34639
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Rachel Kickliter, 20481 Gardenia Dr, Land O Lakes FL 34638
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Michael Lesinski, 3028 Gianna Way, Land O Lakes FL 34638
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Gary Lambert, 5425 Eagle Blvd, Land O Lakes FL 34639
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Joseph Locicero, 3334 Chessington Dr, Land O Lakes FL 34638
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Shelia Marshall, 4837 Gulfstream Pl, Land O Lakes FL 34639
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Joseph Morningstar, 8308 Ten Cent Rd, Land O Lakes FL 34639
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Scott Pugan, 7702 Citrus Blossom Dr, Land O Lakes FL 34637
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Robert Paredes, 2849 Billingham Dr, Land O Lakes FL 34639
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Harvey Perry, 21322 Marsh Hawk Dr, Land O Lakes FL 34638
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Donna Piscitelli, 5201 Swallow Dr, Land O Lakes FL 34639
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Jason Sullivan, 24091 San Giovanni Dr, Land O Lakes FL 34639
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Darius Saba, 21115 Preservation Dr, Land O Lakes FL 34638
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Beata Thorner, 5809 Justicia Loop, Land O Lakes FL 34639
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Mashkur Taalib, 3743 Golden Eagle Dr, Land O Lakes FL 34639
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Ana Tcherassi-stark, 3653 Ballastone Dr, Land O Lakes FL 34638
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Melonny Thompson, 8343 Swiss Chard Cir, Land O Lakes FL 34637
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Brian Walek, 3619 Barnweill St, Land O Lakes FL 34638
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Bruce Wayne, 8839 Handel Loop, Land O Lakes FL 34637
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Ray Williams, 23057 Bellflower Pl, Land O Lakes FL 34639
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Desiree Wright, 19136 Tilobe Loop, Land O Lakes FL 34638
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Patrick Williams, 5922 Candytuft Pl, Land O Lakes FL 34639
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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.