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 - 28 of 28

Charles Bateman, 1050 27th Ave, Vero Beach FL 32960
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Daniel Bailey, 116 22nd Ave, Vero Beach FL 32962
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Susan Callahan, 1690 Cassville Ave, Vero Beach FL 32966
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John Collins, 525 32nd Ct Sw, Vero Beach FL 32968
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Joseph Esola, 960 Ansley Ave Sw, Vero Beach FL 32968
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Brent Fadden, 5475 55th St, Vero Beach FL 32967
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Terra Fadden, 5475 55th St, Vero Beach FL 32967
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Norman Fashek, 746 Iris Ln, Vero Beach FL 32963
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Jeffrey Flick, 246 Springline Dr, Vero Beach FL 32963
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Sandra Flick, 246 Springline Dr, Vero Beach FL 32963
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Keith Idlette, 4730 58th Ave, Vero Beach FL 32967
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Michael Kanuka, 2230 Silver Sands Ct, Vero Beach FL 32963
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Jessica Kurutz, 4412 5th Pl Sw, Vero Beach FL 32968
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Jann Moylan, 330 Westwind Ct, Vero Beach FL 32963
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Ruth Macellari, 501 E Causeway Blvd, Vero Beach FL 32963
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Kathleen Modesitt, 6975 49th St, Vero Beach FL 32967
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Robert Ottesen, 752 46th Sq, Vero Beach FL 32968
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Greta Pierpont, 405 Greytwig Rd, Vero Beach FL 32963
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Shannon Pohl, 440 12th Pl Se, Vero Beach FL 32962
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Chris Ruby, 2085 Cavalla Rd, Vero Beach FL 32963
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Seth Shapiro, 2355 Lake Ibis Ln Sw, Vero Beach FL 32962
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Jill Stiriz, 1255 14th Ave, Vero Beach FL 32960
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Jeffrey Totten, 4412 8th St Sw, Vero Beach FL 32968
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Gloria Taylor, 406 28th Ct Sw, Vero Beach FL 32968
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Shane Tjin Wong Joe, 4246 Diamond Sq, Vero Beach FL 32967
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Eli Younes, 1969 Newmark Cir Sw, Vero Beach FL 32968
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Lisa Amorosa, 1100 Indian Mound Trl, Vero Beach FL 32963
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Tracy Ruby, 2085 Cavalla Rd, Vero Beach FL 32963
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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.