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 - 30 of 30

Ryan Binner, 4499 Sw Cherokee St, Palm City FL 34990
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Diana Bruton, 6804 Sw Wisteria Ter, Palm City FL 34990
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Steven Dobson, 1974 Sw Ashton Way, Palm City FL 34990
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Christine Duerr, 3713 Sw Sunset Trace Cir, Palm City FL 34990
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Amanda Foster, 2012 Sw Racquet Club Dr, Palm City FL 34990
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Karen Gilmore, 3168 Sw Martin Downs Blvd, Palm City FL 34990
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Margaret Hornick, 3168 Sw Martin Downs Blvd, Palm City FL 34990
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Jerry Jackson, 1271 Sw Evergreen Ln, Palm City FL 34990
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Ronald Kelleher, 5488 Sw Longspur Ln, Palm City FL 34990
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Gail Kleemann, 1197 Sw Bay Hollow Ct, Palm City FL 34990
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Andre Lambros, 2245 Sw Forest Hills Ln, Palm City FL 34990
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Donna Linton, 3850 Sw Rivers End Way, Palm City FL 34990
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Jasmine Longworth, 2623 Sw Oak Ridge Rd, Palm City FL 34990
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Brian Lynch, 1920 Sw Crane Creek Ave, Palm City FL 34990
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Gary Marozi, 5023 Sw Bermuda Way, Palm City FL 34990
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Karen Marozi, 5023 Sw Bermuda Way, Palm City FL 34990
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Alfred Marrone, 4971 Sw Lake Grove Cir, Palm City FL 34990
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Lynda Mcsherry, 2692 Sw Sunnyfield Trl, Palm City FL 34990
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Ryan Miller, 901 Sw Martin Blvd Ste 306, Palm City FL 34990
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John Nelson, 1469 Sw Dyer Point Rd, Palm City FL 34990
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Scott Pender, 1180 Sw Catalina St, Palm City FL 34990
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John Pinkley, 1473 Sw Seagull Way, Palm City FL 34990
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Joanne Raiano-kennedy, 2965 Sw Brighton Way, Palm City FL 34990
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Giovanna Shaffer, 4947 Sw Landing Creek Dr, Palm City FL 34990
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Linda Sagarino, 4171 Sw Mallard Creek Trl, Palm City FL 34990
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Kevin Sargent, 1010 Sw Lighthouse Dr, Palm City FL 34990
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Christine Sessa, 2301 Sw Essex Ct, Palm City FL 34990
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Krista Singleton, 2042 Sw Racquet Club Dr, Palm City FL 34990
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Carolyn Turner, 1488 Sw Seahawk Way, Palm City FL 34990
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Curtis Richard, 3168 Sw Martin Downs Blvd, Palm City FL 34990
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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.