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 - 45 of 45

Jeffrey Anstis, 4300 S Beach Pkwy Unit 1209, Jacksonville Beach FL 32250
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Damien Blumstein, 10 11th Ave N Apt 205, Jacksonville Beach FL 32250
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Matthew Bowler, 1210 16th St N, Jacksonville Beach FL 32250
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Stephen Buonanno, 3948 3rd St S # 149, Jacksonville Beach FL 32250
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Rebecca Cooper, 2219 Gordon Ave, Jacksonville Beach FL 32250
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Blythe Cejka, 787 7th Ave S, Jacksonville Beach FL 32250
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Timothy Delp, 4242 Tideview Dr, Jacksonville Beach FL 32250
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Christopher Egan, 749 2nd St S, Jacksonville Beach FL 32250
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Kevin Evers, 129 15th Ave S Unit C, Jacksonville Beach FL 32250
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Matthew Fiore, 711 Beach Blvd Unit 1218, Jacksonville Beach FL 32250
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Christopher Flick, 137 3rd Ave S Unit C, Jacksonville Beach FL 32250
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William Foster, 1201 17th St N, Jacksonville Beach FL 32250
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Jimmy Freeman, 1622 5th Ave N, Jacksonville Beach FL 32250
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Marshall Gallop, 1369 Pinewood Rd, Jacksonville Beach FL 32250
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Gabriel Garcia, 2415 Costa Verde Blvd Apt 314, Jacksonville Beach FL 32250
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David Gibson, 731 1st St S Unit 5-e, Jacksonville Beach FL 32250
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Radek Goodman, 802 2nd St N Apt E, Jacksonville Beach FL 32250
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Frank Graham, 14676 Marsh Island Ln, Jacksonville Beach FL 32250
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William Green, 1150 Penman Rd, Jacksonville Beach FL 32250
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Paul Halter, 14717 Marsh View Dr, Jacksonville Beach FL 32250
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Gwyn Hayashi, 429 7th Ave S, Jacksonville Beach FL 32250
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Maria Jacobs, 4439 Seabreeze Dr, Jacksonville Beach FL 32250
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Amy Juall, 18 Sandra Dr, Jacksonville Beach FL 32250
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Jason King, 4408 Seabreeze Dr, Jacksonville Beach FL 32250
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David Lashbrook, 1007 9th Ave N, Jacksonville Beach FL 32250
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Thomas Maddison, 1284 Ruth Ave, Jacksonville Beach FL 32250
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John Mckeown, 4390 Seabreeze Dr, Jacksonville Beach FL 32250
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Nathan Newman, 835 Holly Dr, Jacksonville Beach FL 32250
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Jeffrey Nootens, 14550 Island Dr, Jacksonville Beach FL 32250
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Daniel Pastrana, 2822 Merrill Blvd, Jacksonville Beach FL 32250
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Linda Pearson, 3581 Eunice Rd, Jacksonville Beach FL 32250
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Robert Reber, 663 Great Abaco Ct, Jacksonville Beach FL 32250
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Brandon Sheasley, 1655 The Greens Way Apt 3326, Jacksonville Beach FL 32250
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Brian Sly, 315 15th Ave N Apt 5, Jacksonville Beach FL 32250
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Teresa Sox, 1116 10th St N, Jacksonville Beach FL 32250
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Joann Stewart, 2447 3rd St S, Jacksonville Beach FL 32250
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Scott Straw, 1061 Osceola Ave, Jacksonville Beach FL 32250
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David Thompson, 3922 Demery Dr W, Jacksonville Beach FL 32250
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Jeffrey Tidwell, 2906 Abaco Ln, Jacksonville Beach FL 32250
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Gabriel Warren, 1701 The Greens Way Apt 1614, Jacksonville Beach FL 32250
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Amy Welch, 3643 Brockway Rd, Jacksonville Beach FL 32250
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Mary Wendell, 3202 Ocean Dr S, Jacksonville Beach FL 32250
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Carlos Wilcox, 115 9th Ave S Unit 801, Jacksonville Beach FL 32250
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Mary Wood, 1150 Ruth Ave, Jacksonville Beach FL 32250
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Christopher Zalupski, 275 1st St S Apt 104, Jacksonville Beach FL 32250
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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.