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 - 26 of 26
William Banfield, 27091 Imperial Pkwy, Bonita Springs FL 34135

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Daniel Bernard, 9240 Bonit Bch Rd Se Ste 3317, Bonita Springs FL 34135

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Maria Bodino, 28327 Hidden Lake Dr, Bonita Springs FL 34134

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Richard Bright, 3645 Bonita Beach Rd Ste 1, Bonita Springs FL 34134

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John Calabria, 9920 El Greco Cir, Bonita Springs FL 34135

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Lisa Chambers, 4835 Bonita Beach Rd Apt 202, Bonita Springs FL 34134

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Keith Cloak, 14875 Carducci Ct, Bonita Springs FL 34135

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Venia Cloak, 14875 Carducci Ct, Bonita Springs FL 34135

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Perry Dellagiustina, 27525 Hickory Blvd, Bonita Springs FL 34134

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Nigel Fullick, 27020 Esther Dr, Bonita Springs FL 34135

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Christine Guddal-sims, 9949 Puopolo Ln, Bonita Springs FL 34135

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Teresa Hughes, 25851 Creekbend Dr, Bonita Springs FL 34135

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John Harlem, 9001 Highland Woods Blvd Ste 6, Bonita Springs FL 34135

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Kurt Holm, 10422 Autumn Breeze Dr Unit 201, Bonita Springs FL 34135

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James Johnson, 25066 Pinewater Cove Ln, Bonita Springs FL 34134

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Leighanna Knoll, 25211 Killdeer Dr, Bonita Springs FL 34135

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Gregory Luning, 8861 Colonnades Ct W Apt 223, Bonita Springs FL 34135

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Joseph Messina, 28118 Tamberine Ct Unit 1122, Bonita Springs FL 34135

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John Moore, 25041 Ascot Lake Ct, Bonita Springs FL 34134

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Kelly Moore, 26301 Summer Greens Dr, Bonita Springs FL 34135

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Chad Murphy, 15328 Latitude Dr, Bonita Springs FL 34135

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Diane Schrenkel, 12126 Via Cercina Dr, Bonita Springs FL 34135

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John Schrenkel, 12126 Via Cercina Dr, Bonita Springs FL 34135

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Jo Stafford, 10016 Kentucky St, Bonita Springs FL 34135

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Sally Vandergriff, 23197 Oakglen Ln, Bonita Springs FL 34135

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Susan Freund, 4091 Rita Ln, Bonita Springs FL 34134

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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.




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