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 - 62 of 62

Valerie Anderson, 2516 Gulfbreeze Cir, Palm Harbor FL 34683
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Christopher Arthur, 2275 Citrus Hill Rd, Palm Harbor FL 34683
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Robert Ayala, 4698 Ayron Ter, Palm Harbor FL 34685
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Deborah Baier, 2698 Macklin Ct, Palm Harbor FL 34684
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Marc Ballard, 2578 Winding Way, Palm Harbor FL 34683
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Bruce Barber, 1635 Kilwinning Ct, Palm Harbor FL 34684
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Meredith Barth, 110 Kendra Way Apt 812, Palm Harbor FL 34684
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David Bennett, 2460 Grand Lakeside Dr., Palm Harbor FL 34684
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Matthew Burkel, 2617 Woodcote Ter, Palm Harbor FL 34685
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Douglas Calabrese, 1881 Melanie Way, Palm Harbor FL 34683
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Cheryl Cecil, 1804 Eagle Trace Blvd, Palm Harbor FL 34685
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Steven Chiou, 3758 Mullenhurst Dr, Palm Harbor FL 34685
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Will Daoud, 2314 Bent Tree Rd Apt 2015, Palm Harbor FL 34683
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Monica Dietz, 2769 Scobee Dr, Palm Harbor FL 34683
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Jason Duraj, 455 Alt 19 S Apt 165, Palm Harbor FL 34683
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Felipe Ferreira, 3450 E Lake Rd Ste 202, Palm Harbor FL 34685
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Gregory Fierce, 4737 Berwyn Ct, Palm Harbor FL 34685
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Lori Frankel, 750 Hickory Ln, Palm Harbor FL 34683
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Linda Goodson, 2619 Hawks Landing Blvd, Palm Harbor FL 34685
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Diana Galeano, 4979 Barclay Dr, Palm Harbor FL 34685
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Dina Griess, 1804 Eagle Trace Blvd, Palm Harbor FL 34685
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Gary Guarino, 2733 Jarvis Cir, Palm Harbor FL 34683
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Maureen Helm, 4392 Brooker Creek Dr, Palm Harbor FL 34685
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Tami Jones, 1180 Ridge Dr, Palm Harbor FL 34683
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Richard Karoll, 4155 Kirkaldy Dr, Palm Harbor FL 34685
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Matthew Kenna, 544 High Pines Ct Unit A, Palm Harbor FL 34683
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Scott Leslie, 1150 17th St, Palm Harbor FL 34683
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Fred Levine, 1644 Arabian Ln, Palm Harbor FL 34685
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Hugh Lichter, 1801 E Lake Rd Apt 2g, Palm Harbor FL 34685
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Amber Lindsey, 3653 Newcastle Ct Apt 201, Palm Harbor FL 34685
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Scott Miller, 772 Sunflower Dr, Palm Harbor FL 34683
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Jeffrey Miller, 1642 Canopy Oaks Blvd, Palm Harbor FL 34683
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Ronald Morris, 4801 Cardinal Trl, Palm Harbor FL 34683
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John Norsworthy, 450 Mississippi Ave, Palm Harbor FL 34683
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Charlet Nowell, 803 Michigan Ave, Palm Harbor FL 34683
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Richard Passanante, 2904 Wendover Ter, Palm Harbor FL 34685
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Julie Peluso, 3001 Regal Oaks Blvd, Palm Harbor FL 34684
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Alexa Price, 3051 Autumn Dr, Palm Harbor FL 34683
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Cristin Purgeson, 22 Shore Dr, Palm Harbor FL 34683
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Christopher Roman, 181 Sheffield Cir E, Palm Harbor FL 34683
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Dean Rotz, 1479 Chukar Rdg, Palm Harbor FL 34683
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Delores Reid, 3545 Fairway Forest Dr, Palm Harbor FL 34685
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Colleen Rodriguez, 3401 Brian Rd S, Palm Harbor FL 34685
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Joann Rooney, 3973 Mimosa Pl, Palm Harbor FL 34685
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Brian Savage, 2143 Pinnacle Cir N, Palm Harbor FL 34684
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Kenneth Schiff, 5243 Kernwood Ct, Palm Harbor FL 34685
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Diane Schillace, 4312 Hythe Ct, Palm Harbor FL 34685
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Michael Schneider, 36750 Us Highway 19 N, Palm Harbor FL 34684
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Jeannine Smith, 5300 Karlsburg Pl, Palm Harbor FL 34685
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Richard Smith, 828 Hillside Dr, Palm Harbor FL 34683
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Stephen Speer, 1302 Sutton Place Dr, Palm Harbor FL 34683
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Robin Stojak, 3964 Mullenhurst Dr, Palm Harbor FL 34685
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Pat Tiso, 915 Rolling Hills Dr, Palm Harbor FL 34683
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Erica Viviano, 1799 Eagle Ridge Blvd, Palm Harbor FL 34685
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William Voshol, 4300 Ames Way, Palm Harbor FL 34685
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Mark Wagner, 1731 Powder Ridge Dr, Palm Harbor FL 34683
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John Warnock, 4612 Ayron Ter, Palm Harbor FL 34685
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Pamela Watkins, 222 Arbor Dr E, Palm Harbor FL 34683
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Karen Zendels-hagen, 108 Shore Dr, Palm Harbor FL 34683
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Michael Chissell, 4302 Radcliffe Dr, Palm Harbor FL 34685
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Deborah Elfrink, 277 Maple Ave, Palm Harbor FL 34684
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Lawrence Jensen, 3102 S Canal Dr, Palm Harbor FL 34684
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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.