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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.
Maria Benitez, 2042 Harcourt Pl, Odessa FL 33556 |
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
Deborah Clickner, 19099 Gunn Hwy, Odessa FL 33556 |
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
Liwei Cao, 8511 Northton Groves Blvd, Odessa FL 33556 |
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
Robert Caruso, 14821 Man O War Dr, Odessa FL 33556 |
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
James Colton, 16133 Lytham Dr, Odessa FL 33556 |
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
Eric Echeona, 2241 Curzon Way, Odessa FL 33556 |
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
Steven Garms, 19708 Lake Osceola Ln, Odessa FL 33556 |
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
Kameron Garms, 19622 Lake Osceola Ln, Odessa FL 33556 |
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
Joseph Haines, 1101 Jacob Way, Odessa FL 33556 |
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
Barbara Hale, 19115 Beckett Dr, Odessa FL 33556 |
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
Eric Halsor, 15747 Berea Dr, Odessa FL 33556 |
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
James Heidelberg, 17513 Canal Shores Dr, Odessa FL 33556 |
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
Marcia Kimpland, 13149 Royal George Ave, Odessa FL 33556 |
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
Heidi Lombardi, 13149 Royal George Ave, Odessa FL 33556 |
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
Adam Long, 1323 Loretto Cir, Odessa FL 33556 |
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
Thomas Martin, 9401 Hanlon Rd, Odessa FL 33556 |
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
Carolyn Miller, 16208 Carnoustie Dr, Odessa FL 33556 |
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
Peter Mocny, 15108 Meadowlake St, Odessa FL 33556 |
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
Keila Santos, 7509 Dunbridge Dr, Odessa FL 33556 |
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
Brett Schroder, 19012 Huckavalle Rd, Odessa FL 33556 |
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
Robert Stringer, 16616 Willow Glen Dr, Odessa FL 33556 |
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
Karen Walters, 1426 Wyndham Lakes Dr, Odessa FL 33556 |
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
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.
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