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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.
Robert Almonte, 15550 Lightwave Dr Ste 200, Clearwater FL 33760 |
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Savas Arvanitakis, 2537 Pine Cove Ln, Clearwater FL 33761 |
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Michael Avis, 2464 Balboa Ct, Clearwater FL 33761 |
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Mary Baralt, 1700 Allens Creek Dr, Clearwater FL 33764 |
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Michael Baralt, 1835 Pine St, Clearwater FL 33764 |
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William Baralt, 1580 Preserve Way, Clearwater FL 33764 |
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Elizabeth Bastas, 2934 Teal Ln, Clearwater FL 33762 |
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Charles Baxter, 1001 N Mlk Jr Ave, Clearwater FL 33755 |
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Bethann Bennett, 2962 Heather Trl, Clearwater FL 33761 |
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Christopher Bowers, 10 Desoto Pl, Clearwater FL 33756 |
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Shannon Boylan, 2669 Augusta Dr S, Clearwater FL 33761 |
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James Byars, 2481 Coach Whip Ter, Clearwater FL 33765 |
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Tracy Byrnes, 1611 Ridgewood St, Clearwater FL 33755 |
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Christopher Chapman, 2389 Barkwood Pass, Clearwater FL 33763 |
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Scott Chinchar, 1633 Coachmakers Ln, Clearwater FL 33765 |
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Jerome Cobbe, 2226 Rose Ln, Clearwater FL 33764 |
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Dan Conneally, 1635 Balmoral Dr, Clearwater FL 33756 |
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Virginia Cooper, 13575 58th St N Ste 137, Clearwater FL 33760 |
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Elizabeth Cortis, 2367 Barton Ln, Clearwater FL 33759 |
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Marlene Crawford, 2968 Heather Trl, Clearwater FL 33761 |
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Kathleen Detty, 2806 Countryside Blvd Apt 515, Clearwater FL 33761 |
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Darren Davidson, 1875 Belleair Rd, Clearwater FL 33764 |
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Lori Davis, 515 Dora Dr, Clearwater FL 33765 |
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Harpaul Dhaliwall, 1545 S Belcher Rd, Clearwater FL 33764 |
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Joseph Dobrowolski, 1701 Long Bow Ln, Clearwater FL 33764 |
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Jennifer Dokken, 1540 Palmetto St, Clearwater FL 33755 |
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Craig Duncan, 3428 Aspen Trl, Clearwater FL 33761 |
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Scott Ehlert, 2757 Via Cipriani Unit 1131a, Clearwater FL 33764 |
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Ashley Federation, 2510 Oak Trl S Apt 107, Clearwater FL 33764 |
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Richard Foxx, 1129 Charles St, Clearwater FL 33755 |
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David Gaudreault, 220 N Bayshore Blvd Unit 106, Clearwater FL 33759 |
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Denise Greene, 2932 Bethany Pl, Clearwater FL 33759 |
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William Grimes, 2778 Countryside Blvd Apt 1, Clearwater FL 33761 |
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Dawn Gwin, 101 S Old Coachman Rd Unit 101, Clearwater FL 33765 |
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Cynthia Herald, 3055 Pepperwood Ln W, Clearwater FL 33761 |
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Brandon Harrell, 1057 Calumet St, Clearwater FL 33755 |
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Diana Harvey, 4195 105th Ave N, Clearwater FL 33762 |
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Elizabeth Hole, 3268 San Mateo St, Clearwater FL 33759 |
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Kenneth Hoye, 2464 Coach Whip Ter, Clearwater FL 33765 |
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Glori Husi, 2333 Feather Snd Dr Unit C411, Clearwater FL 33762 |
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Norman Ikonen, 2051 Skimmer Ct W Unit 112, Clearwater FL 33762 |
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Katherine Jones, 575 S Hercules Ave Ste 604, Clearwater FL 33764 |
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Erdem Karol, 2323 Feather Snd Dr Unit F204, Clearwater FL 33762 |
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Jennifer Kersey, 14989 Newport Rd, Clearwater FL 33764 |
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Randolph Loos, 2986 Cielo Cir N, Clearwater FL 33759 |
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Kenton Lamb, 1964 Lghng Gull Ln S Apt 1316, Clearwater FL 33762 |
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David Lane, 13560 Feather Sound Cir W, Clearwater FL 33762 |
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Michael Lauer, 3131 San Pedro St, Clearwater FL 33759 |
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Kimberly Laughlin, 1460 Bugle Ln, Clearwater FL 33764 |
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Michael Lewin, 2737 Westchester Dr N, Clearwater FL 33761 |
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Michael Lewis, 1635 Sharon Way, Clearwater FL 33764 |
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Brandon Loftin, 2078 Temple Ter, Clearwater FL 33764 |
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Laura Lush, 2737 Westchester Dr N, Clearwater FL 33761 |
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Jeannie Merrick, 550 N Bayshore Blvd, Clearwater FL 33759 |
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Ryan Merrick, 2620 Enterprise Rd Apt E23, Clearwater FL 33763 |
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Denis Malloy, 1220 S Evergreen Ave, Clearwater FL 33756 |
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William Mantooth, 2750 N Mcmln Bth Rd Ste 103, Clearwater FL 33761 |
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Willa Mattingly, 805 S Keene Rd, Clearwater FL 33756 |
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Michael Mcclamma, 1669 S Evergreen Ave, Clearwater FL 33756 |
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Jason Mcmullen, 1943 Ripon Dr, Clearwater FL 33764 |
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Joseph Melucci, 1868 Dawn Dr, Clearwater FL 33763 |
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Donna Moore, 14249 Lark Ct, Clearwater FL 33762 |
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Byron Munro, 2723 Via Capri Unit 832, Clearwater FL 33764 |
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Joseph Paplaczyk, 3211 San Mateo St, Clearwater FL 33759 |
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Michael Paplaczyk, 3211 San Mateo St, Clearwater FL 33759 |
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Stephen Peattie, 2990 Eagle Estates Cir W, Clearwater FL 33761 |
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Mary Pennings, 3031 Geiger Ct, Clearwater FL 33761 |
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Michael Pennings, 3031 Geiger Ct, Clearwater FL 33761 |
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Daniel Petrucelli, 1614 Indian Rocks Rd, Clearwater FL 33756 |
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James Phillips, 1634 Balmoral Dr, Clearwater FL 33756 |
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Rebekah Quimby, 13575 58th St N, Clearwater FL 33760 |
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Brian Randolph, 101 S Old Coachman Rd Ste 101, Clearwater FL 33765 |
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Matthew Richards, 2051 Arbor Dr, Clearwater FL 33760 |
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Justin Roth, 110 Hampton Rd Unit 207, Clearwater FL 33759 |
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Marlene Rusch, 602 Lime Ave Unit 203, Clearwater FL 33756 |
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Lori Saren, 2992 Heather Trl, Clearwater FL 33761 |
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Roberta Swann, 1730 Saint Anthony Dr, Clearwater FL 33759 |
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Rebecca Sadlon, 2557 Anderson Dr W, Clearwater FL 33761 |
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John Salg, 1100 Woodley Rd, Clearwater FL 33764 |
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Rosa Sang, 300 S Duncan Ave Ste 162, Clearwater FL 33755 |
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Melanie Schierer, 5265 E Bay Dr Apt 111, Clearwater FL 33764 |
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Lynda Shank, 1985 Carolina Ct, Clearwater FL 33760 |
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Gregory Sheffield, 2456 Moore Haven Dr E, Clearwater FL 33763 |
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Scott Siegel, 1889 Bugle Ln, Clearwater FL 33764 |
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Donald Small, 1210 S Myrtle Ave, Clearwater FL 33756 |
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Gail Smyth, 3045 Oak Hill Rd, Clearwater FL 33759 |
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Jeremy Sorensen, 2556 Hidden Cove Ln, Clearwater FL 33763 |
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Michael Spear, 2715 E Grnd Resv Cir Apt 1314, Clearwater FL 33759 |
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Mark Spence, 2767 Westchester Dr N, Clearwater FL 33761 |
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Argirios Spiridakos, 1554 Sunset Point Rd, Clearwater FL 33755 |
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Edmund Sullivan, 2269 Mackenzie Ct, Clearwater FL 33765 |
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Sherrill Tedesco, 715 Skyview Ave, Clearwater FL 33756 |
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Jose Tortolero, 2556 Hidden Cove Ln, Clearwater FL 33763 |
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Forrest Van Benthuysen, 1629 Ridgewood St, Clearwater FL 33755 |
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Aracely Viggiani, 2536 Countryside Blvd Fl 4, Clearwater FL 33763 |
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Eric Von Heal, 3078 Marlo Blvd, Clearwater FL 33759 |
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Stephen Walsh, 2004 Seaside Cay Dr, Clearwater FL 33763 |
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Justin Weissman, 2051 Skimmer Ct W Apt 124, Clearwater FL 33762 |
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Jason Welch, 2232 Curtis Dr S, Clearwater FL 33764 |
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Bradley White, 1753 Sue Dr, Clearwater FL 33759 |
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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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