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 - 29 of 29

Richard Appell, 2571 Flower Rd, Venice FL 34293
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Jack Cork, 5028 Southern Pine Cir, Venice FL 34293
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Kathleen Campion, 4268 Tennyson Way, Venice FL 34293
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Frankie Damiano, 3248 Meadow Run Dr, Venice FL 34293
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Lori Driscoll-kendrick, 1786 Dagon Rd, Venice FL 34293
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Stephen Eastman, 4271 Vicenza Dr Unit D, Venice FL 34293
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Brice Ferguson, 2030 Northampton St, Venice FL 34293
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Caroline Fissel, 1217 Laurel Ave, Venice FL 34285
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Jeffrey Heape, 767 Shamrock Blvd, Venice FL 34293
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Jerri Hente, 261 Greencove Rd, Venice FL 34292
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Donna Hewitt, 9048 Falcon Ct, Venice FL 34293
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Heather Hill, 1013 Squaw Valley Ct, Venice FL 34293
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Marcy Hunter, 3006 Frederick Dr, Venice FL 34292
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Darlene Kowalczyk, 540 Park Estates Sq, Venice FL 34293
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Joseph Kowalczyk, 5839 Cleveland Rd, Venice FL 34293
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Neal Loth, 38 Riverfront Dr, Venice FL 34293
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William Mehserle, 1150 Tarpon Center Dr Apt 502, Venice FL 34285
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Nick Magero, 4975 Pepperwood Pl, Venice FL 34293
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Corey Mindel, 3590 Sunset Beach Dr, Venice FL 34293
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Anthony Moore, 1076 Lemon Bay Dr, Venice FL 34293
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Michelle Moore, 2177 Park Rd, Venice FL 34293
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William Moser, 2095 Tamiami Trl S, Venice FL 34293
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Richard Mulholland, 917 Questa W Apt 3b, Venice FL 34285
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Curtis O'neil, 4203 L Pavia Blvd, Venice FL 34292
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Angela Quinn, 444 Avalon Rd, Venice FL 34293
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Robert Snyder, 256 Hammock Ter, Venice FL 34293
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Derek Stonebraker, 307 Magnolia Rd, Venice FL 34293
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Angela Vance, 5275 Layton Dr, Venice FL 34293
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Duane Vander Ark, 5830 Jamila River Dr, Venice FL 34293
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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.