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

Dennis Birdsall, 49 N River Rd, Stuart FL 34996
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Ronald Banks, 1724 Nw Britt Rd, Stuart FL 34994
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Samuel Beatty, 2154 Sw Panther Trce, Stuart FL 34997
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Toni Carson, 678 Se Ashley Oaks Way, Stuart FL 34997
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Vincent Castoro, 1424 Nw Coconut Point Ln, Stuart FL 34994
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Keith Chabot, 7189 Se Magellan Ln, Stuart FL 34997
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Nicole Clark, 6405 Se Thomas Dr, Stuart FL 34997
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Anne Curran, 7880 Se River Ln, Stuart FL 34997
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Linda Demeo, 8040 Se River Ln, Stuart FL 34997
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Philip Dixon, 909 Se Ocean Ave, Stuart FL 34996
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Stephanie Flaherty, 2675 Nw South Shore Rd, Stuart FL 34994
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John Gordon, 1679 Se Pomeroy St, Stuart FL 34997
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Cecil Gardner, 3108 Se Glasgow Dr, Stuart FL 34997
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Joseph Gaudino, 2540 Se Springtree Pl, Stuart FL 34997
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Charles Geary, 10 Riverview Dr, Stuart FL 34996
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Jennifer Gray, 246 Se Ashley Oaks Way, Stuart FL 34997
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Melainey Gunning, 5374 Se Running Oak Cir, Stuart FL 34997
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Boyize Herring, 4680 Ne Sandpeb Trce Apt 403, Stuart FL 34996
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Clelia Kondo, 240 Sw Willow Lake Trl, Stuart FL 34997
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Kristine Lorusso, 4417 Se Graham Dr, Stuart FL 34997
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Celia Lucente, 7840 Se Oakdale Ct, Stuart FL 34997
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Charles Mendinhall, 3097 Se Doubleton Dr, Stuart FL 34997
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Paul Patten, 732 Sw Balmoral Trce, Stuart FL 34997
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Mark Pettersen, 8866 Sw Cherry Ln, Stuart FL 34997
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Michelle Smith, 1415 Se Legacy Cove Cir, Stuart FL 34997
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Vaughn Smith, 6021 Se Landing Way Unit 7, Stuart FL 34997
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Robert Storrow, 6076 Se Woodfield Ct, Stuart FL 34997
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Caroline Whipple, 3261 Se Hibiscus St, Stuart FL 34997
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Joanne Zarro, 513 Sw North Carolina Dr, Stuart FL 34994
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Michael Buono, 106 N Sewalls Point Rd, Stuart FL 34996
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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.