Florida Homes Mortgage
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Learn about credit scores, mortgage pre-approval, down payments, and financing options for foreign buyers. Bilingual service. Hablamos Español.
Checking your credit when buying a home is one of the first things you should do. Your credit score is the most important piece of information a lender considers when deciding on your interest rate. Mistakes can hurt your credit score, increasing your rate and monthly payment.
You will need to get a pre-approved letter for a mortgage before hunting for the home you want to buy.
Is kind of like shopping for clothes without knowing how much money is in your wallet. The best way to know how much you can afford to spend on a home is to get pre-approved for a mortgage and then look for a home that the mortgage amount will cover.
Being pre-approved gives you a market edge! If a seller has two buyers interested at the same price and only one has mortgage pre-approval, the pre-approved buyer is much more likely to get the home.
A credit score is a number, based on your credit history, that estimates how likely you are to repay debt. It is typically a three-digit number between 300 and 850. The larger the number, the better your credit is considered to be.
Having a high credit score can help ensure you get the best mortgage terms on your home loan. A low score means you might not get the best mortgage terms possible, or might not be able to secure a mortgage loan at all.
Have you paid your past credits on time? A consistent record of on-time payments helps build strong credit.
Keep your credit utilization ratio below 30% — lenders like to see responsible credit use.
Having a longer history of credit in good standing is better for your score.
Opening multiple new credit accounts in a short time can be a red flag to lenders.
Lenders reward a mix of accounts like loans and credit cards.
Lenders verify employment, income, and credit. You get a letter stating how much you qualify for. Gives you a market edge!
Basic estimate based on self-reported information. Not verified by the lender. Less negotiating power.
A down payment is the cash you pay upfront to make a large purchase, such as a home. Down payments are usually shown as a percentage of the price. A 10% down payment on a $350,000 home would be $35,000.
Estimate your monthly payments and see what you can afford.
Click Here →Get pre-approved today and know exactly how much home you can afford. Don't let your credit score hold you back from your dream home.
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"My credit wasn't great, but Miguel helped me understand what I needed to do. Within 6 months, my score improved and I qualified for a great rate. We closed on our first home last week!"
"Before calling Miguel, I didn't even know where to start. He walked me through checking my credit, improving my score, and getting pre-approved. Now I'm a proud homeowner!"
"Miguel told me exactly what I needed to do to get my finances ready for buying a home. His advice saved me thousands and got me approved faster than I ever expected."
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