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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Scott Barnwell, 5171 Championship Cup Ln, Spring Hill FL 34609
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Gregory Berger, 5492 Firethorn Pt, Spring Hill FL 34609
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Jacqueline Bezares, 12130 Rockford St, Spring Hill FL 34608
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Jennifer Brokaw, 3062 Gulf Winds Cir, Spring Hill FL 34607
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Candy Brooks, 13530 Banyan Rd, Spring Hill FL 34609
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Mindye Brunner, 1289 Antilles Ln, Spring Hill FL 34608
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Jorge Caballer, 13206 Weatherstone Dr, Spring Hill FL 34609
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Yael Chenard, 2360 Canfield Dr, Spring Hill FL 34609
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Jeff Conway, 3744 Braemere Dr, Spring Hill FL 34609
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Rene Cosse, 12638 Flamingo Pkwy, Spring Hill FL 34610
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Bruce Dodge, 3211 Lugustrum Dr, Spring Hill FL 34607
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Anne Fisher, 4320 Lake In The Woods Dr, Spring Hill FL 34607
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John Franklin, 11282 Mcracken Dr, Spring Hill FL 34609
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Charles Friscia, 13191 Drysdale St, Spring Hill FL 34609
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Lawrence Garofano, 10109 Cherryhill Pl, Spring Hill FL 34608
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Jerry Heckman, 9282 Belvedere St, Spring Hill FL 34608
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Alfred Johnson, 1335 Gilpin Ave, Spring Hill FL 34608
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Laurie Johnson, 1454 Larkin Rd, Spring Hill FL 34608
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Laura Jutting, 14265 Irving St, Spring Hill FL 34609
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Justin Kelly, 16726 Midsummer Ln, Spring Hill FL 34610
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Mary Krafcik, 9466 Laramie Ln, Spring Hill FL 34608
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Cynthia Lemke, 1462 Corydon Ave, Spring Hill FL 34609
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Albert Mackowski, 7790 Holiday Dr, Spring Hill FL 34606
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Kevin Mikrut, 2288 Lake Forest Ave, Spring Hill FL 34609
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Alexander Padilla, 5508 Applegate Dr, Spring Hill FL 34606
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Donna Phillips, 4040 Orient Dr, Spring Hill FL 34607
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Maria Pienkos, 10223 Swanson Ct, Spring Hill FL 34608
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Austin Ryder, 16246 Alliance Ln, Spring Hill FL 34610
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Jeffrey Sebring, 105 Rosedale Ave, Spring Hill FL 34606
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Christine M. Spencer, 1431 Larkin Rd, Spring Hill FL 34608
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Regina Stacy, 14000 Candia St, Spring Hill FL 34609
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James Stanina, 224 Royal Palm Way, Spring Hill FL 34608
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John Sullivan, 464 Wedgefield Dr, Spring Hill FL 34609
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James Tacy, 14229 Leybourne Way, Spring Hill FL 34609
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James Tatem, 4132 Orchid Dr, Spring Hill FL 34607
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Katiri Taylor, 4104 Tomahawk Ave, Spring Hill FL 34606
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Lisa Valrose, 7028 Brickell Ct, Spring Hill FL 34609
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James Fisher, 2327 Dressel Ave, Spring Hill FL 34609
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Jan Johnson, 8345 Delaware Dr, Spring Hill FL 34607
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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.