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 - 19 of 19

Erika Alves, 701 W Martin Luther King Blvd, Brooksville FL 34601
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details
Jerome Bruno, 701 Martin Luther King Bvld, Brooksville FL 34601
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Jessica Cannino, 8711 Southern Charm Cir, Brooksville FL 34613
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Brigitte Cannon, 16252 Jones Rd, Brooksville FL 34601
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Pamela Chytka, 13210 Quigley Ave, Brooksville FL 34614
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Ginger Fields, 4440 Spring Lake Hwy, Brooksville FL 34601
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Elizabeth Kleiner, 9529 Bearfoot Trl, Brooksville FL 34613
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Tara Larose, 1056 Meta Rd, Brooksville FL 34604
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Jarrick Ledford, 10108 Weeks Dr, Brooksville FL 34601
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Sana Margieh, 9301 Hernando Ridge Rd, Brooksville FL 34613
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Jorge Martinez, 180 Mt Fair Ave, Brooksville FL 34601
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James Pinion, 12435 Cortez Blvd Ste 209, Brooksville FL 34613
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Rosemary Pignatare, 14019 Tranquility Ln, Brooksville FL 34614
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Nicholas Satel, 14750 Copeland Way, Brooksville FL 34604
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Heather Slater, 7024 Owl Rd, Brooksville FL 34613
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Christina Suarez, 1063 Arlanie Rd, Brooksville FL 34604
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Andrew Tuttle, 65 Olive St, Brooksville FL 34601
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Joanne Wilder, 6039 Lake Meadows Dr, Brooksville FL 34601
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Vance Wilder, 6039 Lake Meadows Dr, Brooksville FL 34601
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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.