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 501 - 530 of 530

Thomas White, 10705 Lake Carroll Way, Tampa FL 33618
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Monica Wilber, 9025 Quail Creek Dr, Tampa FL 33647
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Travis Wilcoxson, 3005 Lake Ellen Dr, Tampa FL 33618
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Irene Wilds, 4311 Harbor House Dr, Tampa FL 33615
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Daniel Williams, 2103 W Hills Ave Unit B, Tampa FL 33606
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David Williams, 3438 Marlinspike Dr, Tampa FL 33607
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Kyle Withers, 10442 Lightner Bridge Dr, Tampa FL 33626
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Michael Woliver, 9417 Greenpointe Dr, Tampa FL 33626
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Andrew Wood, 808 N Franklin St Unit 3212, Tampa FL 33602
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Russell Woodward, 5719 Piney Lane Dr, Tampa FL 33625
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Michael Yates, 5441 Baywater Dr, Tampa FL 33615
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Zizi Young, 12816 Wallingford Dr, Tampa FL 33624
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Donald Yerkes, 9051 Fl Mining Blvd Ste 105, Tampa FL 33634
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Deborah Yienger, 814 S Poinsettia Dr, Tampa FL 33609
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Kenneth Ynes, 14550 Bruce B Downs Blvd # 10, Tampa FL 33613
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Shannon Yost, 6320 S Dale Mabry Hwy, Tampa FL 33611
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Steven Young, 1502 W Fletcher Ave Ste 113, Tampa FL 33612
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Matthew Yurdin, 15012 Trail Creek Pl, Tampa FL 33625
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Robert Ziencina, 6808 Dickinson Ct, Tampa FL 33634
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Leanne Zinkula, 3405 Brookshire Ct, Tampa FL 33618
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Charles Collova, 5006 E Longboat Blvd, Tampa FL 33615
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Robert Cristaldi, 14406 Burgundy Sq, Tampa FL 33613
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Matthew Davis, 2807 E Waters Ave, Tampa FL 33604
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Jake Fleischer, 1531 W Lemon St Unit 2109, Tampa FL 33606
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Kay Hubbard, 4024 W Bay To Bay Blvd, Tampa FL 33629
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Shane Johnson, 3403 W Beaumont St, Tampa FL 33611
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Aisha Lemasters, 16310 Parkstone Palms Ct, Tampa FL 33647
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Paul Ralph, 11014 N Dale Mabry Hwy, Tampa FL 33618
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Charles Richardson, 1705 W Watrous Ave, Tampa FL 33606
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April Tatro, 1312 W Bearss Ave, Tampa FL 33613
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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.