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 - 39 of 39

Bernardo Acosta Colon, 5737 Sw 85th St, Gainesville FL 32608
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Michael Burr, 1815 Nw 22nd St, Gainesville FL 32605
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John Barfield, 4151 Nw 43rd St Unit 543, Gainesville FL 32606
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Neale Beightol, 8921 Sw 75th St, Gainesville FL 32608
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Danielle Collins, 1415 Nw 12th Rd, Gainesville FL 32605
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Bonnie Cameron, 2506 Sw 98th Dr, Gainesville FL 32608
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Kimberly Cellon, 3330 Nw 25th Ave, Gainesville FL 32605
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Jonathan Ciaccio, 7715 Sw 11th Pl, Gainesville FL 32607
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David Coker, 1756 Sw 65th Dr, Gainesville FL 32607
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Ryan Coker, 9794 Sw 52nd Ln, Gainesville FL 32608
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Christopher Doering, 3584 Sw 86th St, Gainesville FL 32608
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Rae Drake, 9227 Sw 43rd Ln, Gainesville FL 32608
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Michael Dugan, 10312 Sw 23rd Ave, Gainesville FL 32607
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Travis Egan, 4068 Nw 23rd Cir, Gainesville FL 32605
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Robert Ehrman, 4141 Nw 34th Dr, Gainesville FL 32605
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Daren Ellington, 1219 Nw 55th St Unit 19, Gainesville FL 32605
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Ernie English, 3410 Nw 61st Pl, Gainesville FL 32653
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Brian Goldman, 4445 Nw 49th St Unit 106, Gainesville FL 32606
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Fredrick Hansen, 7607 Sw 49th Pl, Gainesville FL 32608
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Denise Harrington, 7521 Sw 19th Pl, Gainesville FL 32607
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Mary Hutchens, 8745 Nw 35th Ln, Gainesville FL 32606
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Philip Leitner, 2206 Nw 3rd Pl, Gainesville FL 32603
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Daphne Levins, 15501 N State Road 121, Gainesville FL 32653
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Donna Mann, 3917 Sw 86th St, Gainesville FL 32608
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William Matchell, 140 Nw 75th Dr Ste A, Gainesville FL 32607
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Laura Press, 5129 Nw 50th Ln, Gainesville FL 32653
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Benja Peebles, 205 Sw 75th St Apt 8f, Gainesville FL 32607
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Rebecca Redmond, 815 Se 128th Dr, Gainesville FL 32641
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Frederic Reichardt, 3615 Nw 51st Ter, Gainesville FL 32606
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Eric Remy, 3190 Se 28th Ave, Gainesville FL 32641
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Leslie Remy, 1761 Sw 35th Ave, Gainesville FL 32608
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Vania Santos, 8958 Sw 25th Rd, Gainesville FL 32608
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Bruce Sbardella, 4431 Nw 18th Pl, Gainesville FL 32605
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Roger Spiwak, 4521 Sw 95th Ter, Gainesville FL 32608
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James Starling, 2824 Nw 58th Blvd, Gainesville FL 32606
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Derrick Steinke, 4907 Nw 43rd St Ste D, Gainesville FL 32606
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Jason Thompson, 1505 Fort Clarke Blvd, Gainesville FL 32606
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Richard Tillett, 5731 Nw 57th Way, Gainesville FL 32653
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William Woodbury, 1004 Nw 94th St, Gainesville FL 32606
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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.