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 - 57 of 57

Victor Arreola, 16504 Windsor Park Dr, Lutz FL 33549
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Camille Aucoin, 16729 Aucoin Ranch Rd, Lutz FL 33549
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Eric Bade, 4214 Sandy Shores Dr, Lutz FL 33558
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Nathaniel Bittman, 5313 Avenal Dr, Lutz FL 33558
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Josue Cifuentes, 6102 Savoy Cir, Lutz FL 33558
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Cindy Caballero, 4008 Fishermans Cove Ct, Lutz FL 33558
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Gary Casper, 18806 Chemille Dr, Lutz FL 33558
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Christopher Cole, 3506 Majestic View Dr, Lutz FL 33558
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Gregory Craven, 14919 Stag Creek Cir, Lutz FL 33559
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Susan Davis, 17824 Fallowfield Dr, Lutz FL 33549
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Arabelle De Obaldia Fernandez, 17717 Hunting Bow Cir Unit 101, Lutz FL 33558
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James Dunnam, 5508 Clouds Peak Dr, Lutz FL 33558
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Bryan Ehrlich, 17717 Hunting Bow Cir Unit 101, Lutz FL 33558
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Suzanne Ehrlich, 17717 Hunting Bow Cir Unit 101, Lutz FL 33558
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Brett Ewald, 4945 Van Dyke Rd, Lutz FL 33558
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Dana Foit, 6119 Chene Ct, Lutz FL 33558
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Brian Forrester, 19125 Cypress Green Dr, Lutz FL 33558
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Kevin Giza, 5513 Terrain De Golf Dr, Lutz FL 33558
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Mark Glass, 5508 Avenue Du Soleil, Lutz FL 33558
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David Harris, 22629 Willow Lakes Dr, Lutz FL 33549
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Brian Hiatt, 20201 County Line Rd, Lutz FL 33558
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Shelley Jackson, 6112 Savoy Cir, Lutz FL 33558
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Richard Jenkins, 16713 Brassart Rd, Lutz FL 33549
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Carl Jensen, 3902 Little Egret Ct, Lutz FL 33558
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Linda Karsen, 16805 Windsor Park Dr, Lutz FL 33549
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Robert Kelly, 301 Lake Kell Ct, Lutz FL 33549
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Phyllis Knight, 22518 Willow Lakes Dr, Lutz FL 33549
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Kathryn Kramer, 4247 Pine Isle Dr, Lutz FL 33558
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David Langsam, 4808 Lastrada Ct, Lutz FL 33558
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Stacey Lynn, 17308 Livingston Ave, Lutz FL 33559
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Francisco Maciel, 17516 Corsino Dr, Lutz FL 33548
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Daniel Maciel Neto, 17516 Corsino Dr, Lutz FL 33548
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Larry Manning, 4626 Avenue Longchamps, Lutz FL 33558
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Christopher Marimon, 17717 Hunting Bow Cir Unit 101, Lutz FL 33558
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Jordan Mason, 24905 Panacea Ct # 27, Lutz FL 33559
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Joseph Mastrino, 1621 Audubon Trl, Lutz FL 33549
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Joseph Mazzei, 21705 Mims Way, Lutz FL 33549
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Steven Murman, 1022 Lake Cooper Dr, Lutz FL 33548
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Minh Nguyen, 17717 Hunting Bow Cir Unit 101, Lutz FL 33558
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Ivan Navarro, 20010 Wellington Manor Blvd, Lutz FL 33549
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Rhonda Patton, 17517 Willow Pond Dr, Lutz FL 33549
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Gregory Pisano, 15427 East Lake Burrell Dr, Lutz FL 33549
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Grace Rickershauser, 18405 Hanna Rd, Lutz FL 33549
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Lenoir Russell, 18311 Dolly Brook Ln, Lutz FL 33549
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Ricky Sandon, 424 Pine Bluff Dr, Lutz FL 33549
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Dan Schedivy, 17717 Hunting Bow Cir Unit 101, Lutz FL 33558
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Douglas Schmitzer, 4945 Van Dyke Rd, Lutz FL 33558
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Edward Shedd, 17011 Aspen Meadows Dr, Lutz FL 33548
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Jessica Sherrill, 17840 Lake Carlton Dr Apt B, Lutz FL 33558
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Russell Smith, 4503 Perdita Ln, Lutz FL 33558
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Bruce Stewart, 22515 Magnolia Trace Blvd, Lutz FL 33549
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James Stojak, 17717 Hunting Bow Cir Unit 101, Lutz FL 33558
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Tham Tran, 5024 Torrey Hills Ln, Lutz FL 33558
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Denis Timkee, 5408 Garden Arbor Dr, Lutz FL 33558
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Larry Warshaw, 19010 Saint Laurent Dr, Lutz FL 33558
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Debra Westbrook, 19208 Sunlake Blvd, Lutz FL 33558
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Vicki Kennison, 21446 Keating Way, Lutz FL 33549
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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.