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 - 42 of 42

Brandon Anderson, 10901 Temple Ter, Seminole FL 33772
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Stephen Anderson, 8518 143rd Ln, Seminole FL 33776
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Elaine Bales, 11700 85th Ave, Seminole FL 33772
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Lora Ball, 9551 90th Ave, Seminole FL 33777
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Tamara Benson, 13930 Park Blvd Ste B, Seminole FL 33776
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Mark Borkowski, 7602 Ridge Rd Apt 204, Seminole FL 33772
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Mary Byerly, 3560 92 Ter N, Seminole FL 33777
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Robert Chiavacci, 9741 Bardmoor Blvd, Seminole FL 33777
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Vicky Dang, 9818 Sago Point Dr, Seminole FL 33777
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Juan De La Rosa, 8929 Baywood Park Dr, Seminole FL 33777
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Joanna Diffell, 14371 84th Ter, Seminole FL 33776
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Jeffrey Duart, 9741 125th St, Seminole FL 33772
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Glenn Eddins, 9488 Ridge Rd, Seminole FL 33772
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John Fenech, 9870 Frank Dr W, Seminole FL 33776
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Ruth Goltl, 14131 84th Ter, Seminole FL 33776
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Michelle Goodale, 11009 Freedom Blvd, Seminole FL 33772
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Lynae Graham, 9482 Joel Dr, Seminole FL 33777
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Kristine Hartland, 11318 Churchhill Trl, Seminole FL 33772
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Michael Helinger, 13179 72nd Ave, Seminole FL 33776
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Brian Kashlak, 7512 131st St, Seminole FL 33776
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Kirsten Karl, 10254 Myrtle Oak Ln, Seminole FL 33777
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Michael Kelly, 8137 124th St, Seminole FL 33772
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Carlynda Lilly, 8413 137th Ln, Seminole FL 33776
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Jeffry Lilly, 8413 137th Ln, Seminole FL 33776
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James Marcus, 13437 100th Ave, Seminole FL 33776
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Sean Mcclellan, 5860 Bayshore Dr, Seminole FL 33772
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Sarah Mckenna, 14060 82nd Ave, Seminole FL 33776
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Justin Moulton, 13596 Traditions Dr, Seminole FL 33776
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Caleb Nasseri, 13447 99th Ave, Seminole FL 33776
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Bonnie Poynter, 13781 74 Ave N, Seminole FL 34646
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Nick Radziseski, 9126 109th Ter, Seminole FL 33777
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Okey Ryan, 9226 133rd Ln, Seminole FL 33776
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Stephen Schultz, 9231 133rd St, Seminole FL 33776
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Timothy Szumigala, 12979 89th Ave, Seminole FL 33776
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Elvin Torres, 7464 85th Ln, Seminole FL 33777
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Susan Valind, 11882 Walker Ave, Seminole FL 33772
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Scott Woodbury, 6439 110th Ln, Seminole FL 33772
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Cynthia Walker, 13440 Bellewood Ave, Seminole FL 33776
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Kevin Walker, 13440 Bellewood Ave, Seminole FL 33776
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Diana Zavala, 12565 81st Ave, Seminole FL 33776
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James Graham, 9482 Joel Dr, Seminole FL 33777
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James Ryder, 13799 Park Blvd # 156, Seminole FL 33776
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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.