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 - 37 of 37

Cheryl Allen, 6899 Nicole Ln, Largo FL 33771
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Kimberly August, 2201 Sunset Cir, Largo FL 33774
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Diane Benson, 66 Country Club Dr, Largo FL 33771
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Clare Billetdeaux, 12658 Pineforest Way E, Largo FL 33773
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James Bolinger, 11525 Shipwatch Dr Apt 1047, Largo FL 33774
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Gary Brochetti, 211 Harbor View Ln, Largo FL 33770
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Kelli Causey, 8237 Wild Oaks Cir, Largo FL 33773
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Nathan Cocco, 8001 Appaloosa Dr, Largo FL 33773
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Shelley Crouch, 12810 Mia Cir, Largo FL 33774
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Charles Desloover, 10335 107th Ave N, Largo FL 33773
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Robert Fricker, 11443 130th Ave, Largo FL 33778
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Michael Gingras, 915 Lake Palms Dr, Largo FL 33771
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Susan Gibb, 13862 Wildwood Dr, Largo FL 33774
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Lindy Gomillion, 129 Harbor View Ln, Largo FL 33770
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Rebecca Hevel, 12901 129th Ave, Largo FL 33774
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Shawn Kelly, 10339 Bay Hills Dr, Largo FL 33774
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Szabina Kiss, 14562 Vista Ln, Largo FL 33774
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Kenton Lamb, 500 Belcher Rd S Apt 238, Largo FL 33771
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Elizabeth Lurie, 601 Rosery Rd Ne Apt 1204, Largo FL 33770
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Edina Mcguire, 614 Capistrano Ct, Largo FL 33771
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Harry Montero, 11271 Regal Ln, Largo FL 33774
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Jeffrey Newbanks, 13125 Wilcox Rd Unit 12102, Largo FL 33774
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Antonio Paredes, 13129 66th St, Largo FL 33773
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Jonathan Roy, 3268 Fountainhead Dr, Largo FL 33770
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Sandra Schuster, 13129 66th St, Largo FL 33773
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Denise Simmons, 10907 126th Ter, Largo FL 33778
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Lynne Simmons, 1835 Dolphin Dr, Largo FL 33770
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Timothy Smith, 705 Grovewood Ln, Largo FL 33770
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Patricia Smoot, 13129 66th St, Largo FL 33773
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Richard Spottke, 11459 Heritage Way, Largo FL 33778
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Mary Vautour, 977 Gershwin Dr, Largo FL 33771
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Charles Wall, 1067 1st St Sw, Largo FL 33770
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Charles Widmeier, 11097 111th St, Largo FL 33778
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Sean Young, 12003 Lillian Ave, Largo FL 33778
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Adam Zima, 2214 Fulton Way, Largo FL 33774
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Gregg Murray, 1025 Clwtr Lrg Rd N Lot 28, Largo FL 33770
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Amanda Stapleton, 12144 85th St, Largo FL 33773
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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.