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 - 32 of 32

Randy Adrian, 1120 Sweet Breeze Dr, Valrico FL 33594
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Kimberly Anderson, 2032 Florida St, Valrico FL 33594
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Mercedes Bello-hanis, 4012 Bell Grande Dr, Valrico FL 33596
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Elizabeth Brewer, 2807 Norwood Hills Ln, Valrico FL 33596
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Debra Carroll, 2712 Bent Leaf Dr, Valrico FL 33594
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Stephen Corn, 2222 Eagle Bluff Dr, Valrico FL 33596
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Larissa Deleon-colon, 4104 Balington Dr, Valrico FL 33596
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Gary Delally, 4513 Portobello Cir, Valrico FL 33596
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Roger Greenleaf, 1017 Crystal Carbon Way, Valrico FL 33594
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David Gooding, 2306 Oakhurst Ct, Valrico FL 33596
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Robert Hagan, 4414 Swift Cir, Valrico FL 33596
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James Harris, 3913 Turnbury St, Valrico FL 33596
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Cindy Hicks, 1909 Rudder Dr, Valrico FL 33594
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Emily Lara, 3502 Cordgrass Dr, Valrico FL 33596
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Robert Lowrie, 2511 Groveway Dr Ste 11, Valrico FL 33596
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Anthony Lee, 2041 Heartland Cir, Valrico FL 33594
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Bobby Lipfird, 2508 Wrencrest Cir, Valrico FL 33596
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Ronald Lovell, 1024 Legends Pass Dr, Valrico FL 33594
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Robert Mercado, 2606 Durant Woods St, Valrico FL 33596
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Catherine Miller, 411 Lutie Dr, Valrico FL 33594
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Arthur Moffa, 4615 Duxberry Ln, Valrico FL 33594
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John Morris, 2107 Dillon Ct, Valrico FL 33596
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Lisa Pusateri, 5123 Sylvan Oaks Dr, Valrico FL 33596
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David Rodgers, 3312 Fox Squirrel Ln, Valrico FL 33596
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William Sarris, 3406 Pine Top Dr, Valrico FL 33594
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Richard Seltzer, 424 Westchester Hills Ln, Valrico FL 33594
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Bryan Snyder, 3413 Pine Top Dr, Valrico FL 33594
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Dursie Walls, 2603 Goldcrest Pl, Valrico FL 33596
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Terry Washington, 4329 Swift Cir, Valrico FL 33596
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Tasha Williams, 1629 Carter Oaks Dr, Valrico FL 33596
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Robert Anderson, 2032 Florida St, Valrico FL 33594
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Brock Walker, 2234 Lithia Center Ln, Valrico FL 33596
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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.