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.

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Katherine Baustert, 2319 Country Side Dr, Orange Park FL 32003
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David Berkley, 2635 Sophia Ct, Orange Park FL 32003
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Marcia Birman, 431 Cleveland Ave, Orange Park FL 32065
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Kimberly Cole, 6316 Custer Rd, Orange Park FL 32065
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Kimberly Correia, 5169 Harvey Grant Rd, Orange Park FL 32003
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Thomas Correia, 5169 Harvey Grant Rd, Orange Park FL 32003
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Lisa Daniels, 2131 Trailwood Dr, Orange Park FL 32003
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Christina Dove, 4118 Pebble Brooke Cir N, Orange Park FL 32065
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Dawn Elmore, 4306 Eagle Landing Pkwy, Orange Park FL 32065
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Mary Elrod, 707 Winfred Pl, Orange Park FL 32073
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Stephen Fishbein, 2027 Pompano Pkwy, Orange Park FL 32073
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Nicole Figueroa, 4046 Pebble Brooke Cir N, Orange Park FL 32065
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Matthew Garbett, 1817 Sugar Maple Rd, Orange Park FL 32003
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Nicholas Gruen, 1771 Long Slough Walk, Orange Park FL 32003
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Richard Hawkins, 2557 Sunny Creek Dr, Orange Park FL 32003
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John Kanicki, 1667 Highland View Ct, Orange Park FL 32003
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Patrice Kaelin Yamato, 2259 South Brook Dr, Orange Park FL 32003
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Mary Keene, 3744 Waterside Dr, Orange Park FL 32073
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Jocqua Keeton, 3745 Briar Ln, Orange Park FL 32065
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Richard Morris, 1985 Summit Ridge Rd, Orange Park FL 32003
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Stephen Marks, 513 Oakmont Dr, Orange Park FL 32073
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George Mateo, 748 Timbermill Ln, Orange Park FL 32065
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Shawn Mckee, 493 Millstone Dr, Orange Park FL 32065
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Brian Michaud, 1710 Wells Rd Apt 1116, Orange Park FL 32073
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Christoper Ochoa, 1481 Cotton Clover Dr, Orange Park FL 32065
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Julie Payton, 2192 Deer Run Ln, Orange Park FL 32003
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Brian Peacock, 2720 Brookwood Rd, Orange Park FL 32073
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Steve Ross, 523 Valderia Dr, Orange Park FL 32073
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Vaughn Roundtree, 1133 Moosehead Dr, Orange Park FL 32065
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Walter Rudloff, 54 Fox Valley Dr, Orange Park FL 32073
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Valerie Saunders, 1667 Misty Lake Dr, Orange Park FL 32003
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Mel Siebold, 1304 Holmes Landing Dr, Orange Park FL 32003
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Janet Tellier, 2145 Blue Heron Cove Dr, Orange Park FL 32003
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Lavern Vorst, 434 Charles Pinckney St, Orange Park FL 32073
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Bruce Wehner, 2009 Rivergate Dr, Orange Park FL 32003
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Charles Alwran, 2647 Burwood St, Orange Park FL 32065
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Stephanie Washington, 3076 Crabblemill Ct, Orange Park FL 32073
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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.