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 - 37 of 37

Jeffrey Amoretti, 1717 Fircrest Ct, Zephyrhills FL 33543
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Gerald Bliss, 37950 6th Ave, Zephyrhills FL 33542
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Wilfredo Borges Contreras, 27203 Big Sur Dr, Zephyrhills FL 33544
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Karen Calhoun, 31842 Larkenheath Dr, Zephyrhills FL 33543
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Lisa Carman, 27552 Breakers Dr, Zephyrhills FL 33544
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Cecilia Choi, 27433 Water Ash Dr, Zephyrhills FL 33544
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Ana Daniels, 4823 Pennecott Way, Zephyrhills FL 33544
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Scott Davis, 2530 Glenrise Pl, Zephyrhills FL 33544
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Carmen Diaz, 7353 Westpoint Dr, Zephyrhills FL 33544
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Evelyn Finnegan, 27269 Bonterra Loop Apt 411, Zephyrhills FL 33544
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Brian Finucane, 1417 Ocean Reef Rd, Zephyrhills FL 33544
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Vernon Gainer, 5342 Camberlea Ave, Zephyrhills FL 33541
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Neal Hartley, 6443 Ashville Dr, Zephyrhills FL 33542
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David Kielak, 30836 Temple Stand Ave, Zephyrhills FL 33543
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Jonathon Martin, 5140 Counselor Dr Unit 202, Zephyrhills FL 33541
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Adam Mervine, 28153 Lindenhurst Dr, Zephyrhills FL 33544
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Shelby Monaghan, 1239 Horsemint Ln, Zephyrhills FL 33543
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Jacqueline Noel, 25677 Inkwood Pl, Zephyrhills FL 33544
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Amber Olivero, 4813 Portmarnock Way, Zephyrhills FL 33543
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Golf Phuphanich, 1851 Rensselaer Dr, Zephyrhills FL 33543
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Bob Pittman, 5430 Passing Pine Ln, Zephyrhills FL 33541
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Tammy Pittman, 39305 Tucker Rd, Zephyrhills FL 33542
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Brian Popp, 27343 Edenfield Dr, Zephyrhills FL 33544
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Joseph Quinto, 26600 Shoregrass Dr, Zephyrhills FL 33544
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Angelica Rivera, 5300 Windingbrook Trl, Zephyrhills FL 33544
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Ralph Sevelius, 3365 Watermark Dr, Zephyrhills FL 33544
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Michelle Samuels, 6814 Elwood Rd, Zephyrhills FL 33540
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Anthony Smith, 2405 Mirador Ln Apt 209, Zephyrhills FL 33544
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Christopher Sommer, 26847 Foggy Creek Rd Ste 102, Zephyrhills FL 33544
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Bobby Stepp, 5846 Riva Ridge Dr, Zephyrhills FL 33544
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Melissa Szot, 5910 War Admiral Dr, Zephyrhills FL 33544
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Scott Tellinghuisen, 30950 Prout Ct, Zephyrhills FL 33543
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Zachary Van Es, 4250 Balmoral Ct, Zephyrhills FL 33543
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Nathan Williams, 1335 Crimson Clover Ln, Zephyrhills FL 33543
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Shawn Weatherup, 2349 Nesslewood Dr, Zephyrhills FL 33543
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Michael Williams, 5631 Dark Star Loop, Zephyrhills FL 33544
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Adam Markwardt, 4343 Ashton Meadows Way, Zephyrhills FL 33543
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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.