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 - 60 of 60

Michael Andrews, 232 Creekview Dr, Pensacola FL 32503
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Angela Barnett-gilley, 2101 Scenic Hwy Apt C203, Pensacola FL 32503
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Sherry Basse, 5575 N Shore Way, Pensacola FL 32507
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Avedis Bastajian, 5636 Saint Amatus Rd, Pensacola FL 32503
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Susan Bastajian, 9708 Creek Bridge Cir, Pensacola FL 32514
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Erin Bryan, 3028 Knotty Pine Dr, Pensacola FL 32505
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Melanie Byars, 305 Shorewood Ct, Pensacola FL 32507
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Bruce Carpenter, 3630 Goya Ct, Pensacola FL 32504
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Mickey Clinard, 1011 E. Desoto Street, Pensacola FL 32501
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Jack Coker, 430a Bayfront Pkwy, Pensacola FL 32502
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Donald Copeland, 7919 Cayenne Way, Pensacola FL 32526
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Kasie Copeland, 7919 Cayenne Way, Pensacola FL 32526
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Lisa Cross, 3312 Linger Ct, Pensacola FL 32526
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Michael Dean, 5196 Choctaw Ave, Pensacola FL 32507
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David Dickson, 648 Shiloh Dr, Pensacola FL 32503
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Thomas Fifer, 925 E Blount St, Pensacola FL 32503
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Cassandra Fowler, 207 Leebeck Cir, Pensacola FL 32534
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Ashley Grabowski, 8508 Nantucket Pl, Pensacola FL 32514
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Timothy Garrett, 6309 Jack St, Pensacola FL 32504
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William Graham, 2533 Eclipse Ln, Pensacola FL 32514
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Michael Hammock, 1418 N 49th Ave, Pensacola FL 32506
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Christy Hembree, 704 Ferdinand Dr, Pensacola FL 32507
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Rebecca Herard, 1955 Wyatt St, Pensacola FL 32514
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Royce Ingram, 6051 Chapman Cir, Pensacola FL 32504
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Janet Jenkens, 8107 Pensacola Blvd, Pensacola FL 32534
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Cori James, 3765 Flintwood Rd, Pensacola FL 32504
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Kimberly Johnston, 5514 Mayfair Dr, Pensacola FL 32506
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Stephen Jones, 6009 Forest Green Rd, Pensacola FL 32505
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John Kizziah, 4300 Bayou Blvd Ste 30, Pensacola FL 32503
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Jon Litton, 785 Farmington Rd, Pensacola FL 32504
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James Loveland, 4555 Bohemia Pl, Pensacola FL 32504
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Leslie Lyons, 6111 Enterprise Dr Apt 304, Pensacola FL 32505
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Mary Marston, 7245 Captain Kidd Reef, Pensacola FL 32507
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Christopher Mcintosh, 4250 Uratan Pl, Pensacola FL 32504
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Martin Medve, 446 Sharpsburg Loop, Pensacola FL 32503
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Tracy Morgan-frick, 2660 Bayou Blvd, Pensacola FL 32503
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Elisabeth Morse, 2535 Magnolia Ave, Pensacola FL 32503
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Leticia Oleksy, 1904 E Hernandez St, Pensacola FL 32503
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Kelsey Paules, 4560 Balmoral Dr, Pensacola FL 32504
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Jason Pelletier, 1517 Oakleigh Ct, Pensacola FL 32506
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Christy Pike, 625 Shiloh Dr, Pensacola FL 32503
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Sean Renfrow, 10335 Gulf Beach Hwy Unit 506, Pensacola FL 32507
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Casey Roberts, 8857 Marsh Elder Dr, Pensacola FL 32526
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Jennifer Rutherford, 3416 Wasatch Range Loop, Pensacola FL 32526
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Patricia Salerno, 7 S Carys Ln, Pensacola FL 32507
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Frank Sanders, 2341 Glamis Rd, Pensacola FL 32503
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Jessica Scallan, 4319 Grandpointe Pl, Pensacola FL 32514
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John Scapin, 1005 Dunmire St, Pensacola FL 32504
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Maria Schafer, 9810 Hollowbrook Dr, Pensacola FL 32514
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John Shaffer, 2690 Semoran Dr, Pensacola FL 32503
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Wilma Shortall, 618 E Government St, Pensacola FL 32502
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Kevin Shoultz, 4842 Huron Dr, Pensacola FL 32507
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Dina Thorsen, 631 W Avery St, Pensacola FL 32501
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Kris Waters, 7101 Joy St Unit G4, Pensacola FL 32504
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Kimberly Wamsley, 6666 Bellview Pines Pl, Pensacola FL 32526
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Bryan Waugh, 7194 Rampart Way, Pensacola FL 32505
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Jason White, 546 Ard Dr, Pensacola FL 32526
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Mary Williams, 2620 Creighton Rd Ste 701, Pensacola FL 32504
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Joseph Woodall, 9810 Hollowbrook Dr, Pensacola FL 32514
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William Walker, 3425 Brookshire Dr, Pensacola FL 32504
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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.