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 - 56 of 56

Aaron Allen, 2725 Micah Dr, New Port Richey FL 34655
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Dimitri Angelakopoulos, 1506 Amaryllis Ct, New Port Richey FL 34655
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Toni Antonas, 1227 Tuscany Dr, New Port Richey FL 34655
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Andrea Ariza, 9732 Little Rd, New Port Richey FL 34654
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Yuli Ariza, 10246 Hilltop Dr, New Port Richey FL 34654
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Mary Babinski, 8607 Shallow Creek Ct, New Port Richey FL 34653
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William Ballentine, 9108 Nile Dr, New Port Richey FL 34655
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Gail Bergman, 2242 Tarragon Ln, New Port Richey FL 34655
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Kimberly Brust, 5951 Rio Dr, New Port Richey FL 34652
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Michael Cox, 10831 Panicum Ct, New Port Richey FL 34655
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Christina Cahill, 7120 Arbor View Ln, New Port Richey FL 34653
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Ashley Cole, 3739 Modesto St, New Port Richey FL 34655
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Christina Cox, 4652 Kennedy Dr, New Port Richey FL 34652
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Peter D'agata, 8324 Crescent Moon Dr, New Port Richey FL 34655
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Sherry De Iuliis, 9508 Patrician Dr, New Port Richey FL 34655
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Ashley Davis, 5033 Blue Heron Dr, New Port Richey FL 34652
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Jennifer Devenne, 7822 Lachlan Dr, New Port Richey FL 34655
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Arlene Fachal, 7741 Deer Foot Dr, New Port Richey FL 34653
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Angela Farrow, 4430 Terry Loop, New Port Richey FL 34652
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Scott Foster, 2150 Seven Springs Blvd, New Port Richey FL 34655
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April Frazier, 7905 Riverdale Dr, New Port Richey FL 34653
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Vincent Graziano, 5618 Indiana Ave, New Port Richey FL 34652
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Patrick Garland, 6540 Sweetgum Dr, New Port Richey FL 34655
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Emily Gosche, 3647 Woodcock Dr, New Port Richey FL 34652
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Fidel Gutierrez, 6330 Congress St, New Port Richey FL 34653
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Clint Hatmaker, 1545 Boswell Ln, New Port Richey FL 34655
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Debra Hogan, 5712 Salt Kettle Ct, New Port Richey FL 34652
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Barry Horvath, 2150 Seven Springs Blvd, New Port Richey FL 34655
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Daniel Hufty, 1809 Orchardgrove Ave, New Port Richey FL 34655
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Nemeh Jabbour, 5713 Main St, New Port Richey FL 34652
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Jason Kulwicki, 6935 Oelsner St, New Port Richey FL 34652
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Wayne Kurz, 8528 Great Egret Trce, New Port Richey FL 34653
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Arndrea Laporte, 10454 Pontofino Cir, New Port Richey FL 34655
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Dawn Luper, 6209 Indiana Ave, New Port Richey FL 34653
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James Luper, 6209 Indiana Ave, New Port Richey FL 34653
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Pamela Marron, 5913 Fall River Dr, New Port Richey FL 34655
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Michael Mccormick, 5033 Blue Heron Dr, New Port Richey FL 34652
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Lianne Noel, 9449 Alvernon Dr, New Port Richey FL 34655
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Vincent Palmieri, 4008 Passport Ln Apt 102, New Port Richey FL 34653
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James Peters, 11315 Little Rd, New Port Richey FL 34654
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Jody Powell, 4501 Garnet Dr, New Port Richey FL 34652
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Richard Pulsinelli, 5730 Westshore Dr, New Port Richey FL 34652
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Lisa Rodriguez, 5816 Lanate Ave, New Port Richey FL 34652
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Betsy Stuiso, 5537 Sunset Rd, New Port Richey FL 34652
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Kelly Santos, 10032 Fountain Ct, New Port Richey FL 34654
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Douglas Smith, 1421 Lahara Way, New Port Richey FL 34655
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Stacy Stone, 1701 Nodding Thistle Dr, New Port Richey FL 34655
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Joel Tanner, 1408 Hickory Moss Pl, New Port Richey FL 34655
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Stacey Van Schenck, 1509 Kish Blvd, New Port Richey FL 34655
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Gregg Vorbeck, 10883 Avento Pl Apt 304, New Port Richey FL 34655
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Ruth Watkins, 10453 Holy Spirit Ct, New Port Richey FL 34654
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Debra Waz, 8701 Torchwood Dr, New Port Richey FL 34655
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Barbara Webb, 2102 Tarragon Ln, New Port Richey FL 34655
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Dara Wiesert, 2507 Brinley Dr, New Port Richey FL 34655
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Maryann Wright, 4614 Fort Shaw Dr, New Port Richey FL 34655
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Angela Mills, 1437 Parilla Cir, New Port Richey FL 34655
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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.