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 - 33 of 33

Alison Boscovich, 410 Black Oak Ln, Ormond Beach FL 32174
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Christy Cagle, 116 River Beach Dr, Ormond Beach FL 32176
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Kim Clifford, 305 Sawmill Creek Ct, Ormond Beach FL 32174
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Deborah Coffin, 3760 Balsam Ct, Ormond Beach FL 32174
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Peter Disano, 3149 Kailani Ct, Ormond Beach FL 32174
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Susan Dye, 101 Loyola Dr, Ormond Beach FL 32176
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Brenda Farrens, 196 Black Hickory Way, Ormond Beach FL 32174
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Arva Ferguson, 404 Cherrywood Dr, Ormond Beach FL 32174
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Craig Goodman, 41 Berkley Rd, Ormond Beach FL 32176
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David Holland, 7 Tidewater Dr, Ormond Beach FL 32174
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Sean Kelly, 1112 Wandering Oaks Dr, Ormond Beach FL 32174
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Thomas Kowalski, 32 Marjorie Trl, Ormond Beach FL 32174
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David Lewis, 2887 John Anderson Dr, Ormond Beach FL 32176
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Adam Lindquist, 244 Timberline Trl, Ormond Beach FL 32174
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Lawrence Lupoli, 53 Capistrano Dr, Ormond Beach FL 32176
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Donald Mcelveen, 1541 Oak Forest Dr, Ormond Beach FL 32174
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Robert Morton, 15 Brookwood Dr, Ormond Beach FL 32174
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Silvia Oliva, 640 Aldenham Ln, Ormond Beach FL 32174
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Nitin Parekh, 262 Timberline Trl, Ormond Beach FL 32174
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Michael Peerless, 6 Rocky Creek Trl, Ormond Beach FL 32174
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Miles Reynolds, 1209 Londonderry Cir, Ormond Beach FL 32174
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Eric Sarkis, 930 Old Mill Run, Ormond Beach FL 32174
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Sherrill Schultz, 140 Arlington Way, Ormond Beach FL 32176
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Lawrence Shorts, 50 Hunt Master Ct, Ormond Beach FL 32174
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William Smith, 300 Sylvan Dr, Ormond Beach FL 32174
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Daniel Spearman, 32 Aaron Cir, Ormond Beach FL 32174
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Harry Spearman, 8 River Ridge Trl, Ormond Beach FL 32174
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James Spearman, 8 River Ridge Trl, Ormond Beach FL 32174
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Mary Spearman, 8 River Ridge Trl, Ormond Beach FL 32174
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Lewis Strasnick, 23 Waterbluff Dr, Ormond Beach FL 32174
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Eugene Thompson, 858 N Halifax Dr, Ormond Beach FL 32176
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Scott Warren, 3631 Mallow Dr, Ormond Beach FL 32174
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Paul Weidner, 381 Pine Cone Dr, Ormond Beach FL 32174
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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.