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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.
James Asselta, 3770 A Us 1 South, Saint Augustine FL 32086 |
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Rebecca Abreu, 22 Victoria Falls Way, Saint Augustine FL 32092 |
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Jeremiah Algee, 1739 Windover Pl, Saint Augustine FL 32092 |
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Reda Alley, 2507 Bear Paw Ct, Saint Augustine FL 32092 |
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Edwin Anderson, 1416 Crested Heron Ct, Saint Augustine FL 32092 |
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Christopher Austin, 2540 Stapleford Ln, Saint Augustine FL 32092 |
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Andrew Ayres, 809 S Edenbridge Way, Saint Augustine FL 32092 |
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Kimberly Beddard, 516 Wetherby Ln, Saint Augustine FL 32092 |
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Allison Barlow, 508 Vista Ria Ct, Saint Augustine FL 32080 |
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Lourdes Berg, 67 Saragossa St, Saint Augustine FL 32084 |
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Richard Burky, 534 Mackenzie Cir, Saint Augustine FL 32092 |
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Timothy Calvin, 5 Quail Ct, Saint Augustine FL 32080 |
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Britany Carter, 500 Porta Rosa Cir, Saint Augustine FL 32092 |
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Terry Carter, 500 Porta Rosa Cir, Saint Augustine FL 32092 |
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David Cervone, 1517 Austin Ln, Saint Augustine FL 32092 |
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Alanna Cohen-olson, 350 Paradas Pl, Saint Augustine FL 32092 |
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Lorena Colin, 93 King St, Saint Augustine FL 32084 |
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Bruce Curtis, 4215 Rues Landing Rd, Saint Augustine FL 32092 |
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Kris Czelusniak, 2261 Cascadia Ct, Saint Augustine FL 32092 |
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Timothy Dailey, 159 Hampton Point Dr, Saint Augustine FL 32092 |
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David Davis, 124 Mickler Blvd, Saint Augustine FL 32080 |
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Tina Davis, 124 Mickler Blvd, Saint Augustine FL 32080 |
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Peter Dawidowicz, 85 Hacienda Way, Saint Augustine FL 32095 |
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Ricardo Deleon, 200 S Bellagio Dr, Saint Augustine FL 32092 |
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Darrell Diotte, 756 Mandarin Ter, Saint Augustine FL 32092 |
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Craig Dixon, 478 Scrub Jay Dr, Saint Augustine FL 32092 |
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Herman Ekern, 1865 Cross Pointe Way, Saint Augustine FL 32092 |
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Shawn Fruh, 2053 E Clovelly Ln, Saint Augustine FL 32092 |
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Richard Forbrich, 1064 Eagle Point Dr, Saint Augustine FL 32092 |
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Lucian Fortner, 130 Calle El Jardin Unit 201, Saint Augustine FL 32095 |
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Michelle Fraterrigo, 3344 Millwood Way, Saint Augustine FL 32086 |
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Michael Gautille, 210 16th St Apt M, Saint Augustine FL 32080 |
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Steven Gay, 210 8th St, Saint Augustine FL 32080 |
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Maria Gelinas, 609 Sun Down Cir, Saint Augustine FL 32080 |
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Rodney Gelinas, 337 Ocean Forest Dr, Saint Augustine FL 32080 |
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Alan Goedert, 827 Ocean Palm Way, Saint Augustine FL 32080 |
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Janet Grooms, 609 N Heritage Creek Way, Saint Augustine FL 32084 |
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Sarah Hale, 620 Porta Rosa Cir, Saint Augustine FL 32092 |
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Timothy Hanks, 498 Scrub Jay Dr Apt 1214, Saint Augustine FL 32092 |
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Gregory Harris, 536 Peninsula Ct, Saint Augustine FL 32080 |
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Tracy Hayes, 1577 Drury Ct, Saint Augustine FL 32092 |
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Todd Haynes, 1457 Heather Ct, Saint Augustine FL 32092 |
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Matthew Iannucci, 90 Breezy Pt, Saint Augustine FL 32092 |
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Barbara Jackson, 1401 Moon Harbor Ct, Saint Augustine FL 32092 |
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Penny James, 216 Swallow Rd, Saint Augustine FL 32086 |
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Josh Jimmerson, 4084 Pine Run Cir, Saint Augustine FL 32086 |
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Vincent Koke, 755 Mandarin Ter, Saint Augustine FL 32092 |
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Michael Kuc, 2004 Windjammer Ln, Saint Augustine FL 32084 |
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Peter Kuenster, 107 Village Del Prado Cir, Saint Augustine FL 32080 |
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Jesse Kurland, 1953 Lyndhurst Dr, Saint Augustine FL 32092 |
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Keith Lammons, 1109 Bay Breeze Dr, Saint Augustine FL 32092 |
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Carol Lane, 1034 Santa Cruz St, Saint Augustine FL 32092 |
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Scott Lanham, 268 Kingston Dr, Saint Augustine FL 32084 |
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Marta Lillard, 2000 Glenfield Crossing Ct, Saint Augustine FL 32092 |
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William Lowry, 317 Silver Glen Ave, Saint Augustine FL 32092 |
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Joseph Marmo, 319 Tortuga Bay Dr, Saint Augustine FL 32092 |
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Donna Mcgee, 443 High Tide Dr, Saint Augustine FL 32080 |
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Scott Mclaughlin, 1929 Glenfield Crossing Ct, Saint Augustine FL 32092 |
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Derek Mercer, 265 Los Caminos St, Saint Augustine FL 32095 |
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Charles Moores, 16a Poinciana Ave, Saint Augustine FL 32084 |
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Autumn Morris, 180 Calle El Jardin Unit 104, Saint Augustine FL 32095 |
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Joel Morris, 180 Calle El Jardin Unit 104, Saint Augustine FL 32095 |
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Scott Mulford, 468 High Tide Dr, Saint Augustine FL 32080 |
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Patrick Nealon, 2040 Crown Dr, Saint Augustine FL 32092 |
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Scott Neeley, 390 Stonehurst Pkwy, Saint Augustine FL 32092 |
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Kalie Norman, 1023 Mindello Ave, Saint Augustine FL 32086 |
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Scott Nyman, 2335 W Clovelly Ln, Saint Augustine FL 32092 |
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Patrick Parke, 125 Parkside Dr, Saint Augustine FL 32095 |
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Wendy Powell, 972 Deer Chase Dr, Saint Augustine FL 32086 |
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Robert Patterson, 194 Linda Lake Ln, Saint Augustine FL 32095 |
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Laura Philosophos, 372 Allapattah Ave, Saint Augustine FL 32092 |
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Bryan Polleschultz, 420 Cabernet Pl, Saint Augustine FL 32084 |
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John Reardon, 3560 County Road 214, Saint Augustine FL 32092 |
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Keith Richardson, 22 Desoto Pl, Saint Augustine FL 32084 |
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Aaron Robertson, 2197 S Cranbrook Ave, Saint Augustine FL 32092 |
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Kellie Rohling, 1730 Pepper Stone Ct, Saint Augustine FL 32092 |
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Kimbra Sablich, 291 Medio Dr, Saint Augustine FL 32095 |
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Seymoine Schmidt, 404 Ocean Grove Cir, Saint Augustine FL 32080 |
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Sanjay Shahani, 505 Knolle Ct, Saint Augustine FL 32092 |
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Teddy Smith, 708 El Vergel Ln, Saint Augustine FL 32080 |
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Mary Sondgerath, 144 Marine St, Saint Augustine FL 32084 |
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David Spencer, 502 Johns Creek Pkwy, Saint Augustine FL 32092 |
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Edward St John, 1770 Highland View Dr, Saint Augustine FL 32092 |
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Maria Stobbe, 235 Casa Sevilla Ave, Saint Augustine FL 32092 |
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Donald Struble, 1571 Drury Ct, Saint Augustine FL 32092 |
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Gladys Terrell, 541 Porta Rosa Cir, Saint Augustine FL 32092 |
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Perry Unwalla, 3791 Us Highway A1a South Suite A, Saint Augustine FL 32080 |
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Natividad Vane, 1741 Highland View Dr, Saint Augustine FL 32092 |
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Natividad Vane, 1741 Highland View Dr, Saint Augustine FL 32092 |
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Aldona Walczak, 210 Parkside Dr, Saint Augustine FL 32095 |
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Aubrey Wilson, 279 Venetian Blvd, Saint Augustine FL 32095 |
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James Young, 1720 Highland View Dr, Saint Augustine FL 32092 |
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John Berry, 3817 Magnolia Point Ln, Saint Augustine FL 32086 |
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Richard Buell, 254 Dondanville Rd, Saint Augustine FL 32080 |
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Kelvin Kelley, 128 South Walk Pl, Saint Augustine FL 32086 |
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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.
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