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 - 32 of 32

Raul Alvarez, 3004 Savannah Oaks Cir, Tarpon Springs FL 34688
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Colleen Bebell, 791 Cherrybrooke Ct, Tarpon Springs FL 34688
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Inge Boulogne, 901 Westwinds Blvd, Tarpon Springs FL 34689
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Joan Burnett, 715 E Lime St Apt 610, Tarpon Springs FL 34689
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Rodney Campo, 1092 Riverside Ridge Rd, Tarpon Springs FL 34688
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Debra Cooley, 1621 Seabreeze Dr, Tarpon Springs FL 34689
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Maria Donizetti, 950 Carstairs Ct, Tarpon Springs FL 34688
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Timothy Dunn, 872 Cypress Cove Way, Tarpon Springs FL 34688
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Delynn Gaston, 866 Seminole Blvd, Tarpon Springs FL 34689
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Helen Glubochanskaya, 1438 Watermill Cir, Tarpon Springs FL 34689
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William Gordon, 439 E Tarpon Ave, Tarpon Springs FL 34689
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Gerald Gradowski, 1500 Sunset Rd Apt E, Tarpon Springs FL 34689
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Sam Hage, 2834 Roehampton Close, Tarpon Springs FL 34688
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William Hunter, 3874 Crescent Cove Pl, Tarpon Springs FL 34688
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Anthony Johncola, 2968 Wentworth Way, Tarpon Springs FL 34688
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Cindy Jewitt, 933 Linn Harbor Ct, Tarpon Springs FL 34689
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Karyn Johnson-mahorney, 2365 N Highland Ave, Tarpon Springs FL 34688
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Cynthia Kinch, 370 Gray Oak Dr, Tarpon Springs FL 34689
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Lance Lastinger, 501 Manisha Pl, Tarpon Springs FL 34688
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Roland Leutert, 1301 Castleworks Ln, Tarpon Springs FL 34689
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Cari Marken, 707 Cypress St, Tarpon Springs FL 34689
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Taylor Mcdermott, 642 Kenneth Way, Tarpon Springs FL 34689
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Gary Opalewski, 1795 Wood Brook St, Tarpon Springs FL 34689
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John Porter, 1308 Meres Blvd, Tarpon Springs FL 34689
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Michael Reber, 1502 Bay View St, Tarpon Springs FL 34689
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Terry Skocher, 2827 Post Rock Dr, Tarpon Springs FL 34688
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Kara Siracusa, 1184 Kings Way Ln, Tarpon Springs FL 34688
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Mark Sisterman, 1773 River Watch Blvd, Tarpon Springs FL 34689
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Rhonda Smith, 1406 Burnt Oak St, Tarpon Springs FL 34689
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Norman Stepno, 1055 Riverside Ridge Rd, Tarpon Springs FL 34688
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Carmela Townsend, 864 Seminole Blvd, Tarpon Springs FL 34689
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Kenneth Weishaar, 3049 Arbor Oaks Dr, Tarpon Springs FL 34688
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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.