Florida Homes Mortgage
Florida's Trusted Mortgage Experts
Understanding the steps to qualify for a mortgage loan can eliminate stress and make your dream of homeownership a reality.
Buying a home may be the most exciting, confusing and stressful financial transaction you ever undertake. Even if you have done it before, you can still find the process complicated and intimidating, particularly when it comes to getting a mortgage loan.
Countless loan documents, unfamiliar terminology and uncertainty serve to temper the joy of buying a new home. As soon as the sales contract is signed, obtaining the financing becomes paramount. If you understand the steps required to qualify for a mortgage loan, however, much of the stress can be avoided.
The loan application asks for information on the property, terms of the purchase contract, employment and financial history. The lender will verify everything, so submit a complete and accurate application.
Prepare ahead of time by gathering:
Verification of Employment (VOE): The lender will verify your employment and earnings. If you've been on the job less than two years, previous employers will also be contacted.
Additional Income Sources: Rental property, social security, disability payments, child support — provide canceled checks, leases, or court documents as proof.
Checking, savings, money market accounts with institution details and balances
Stocks, bonds, CDs, retirement funds, life insurance cash value
Make, model, year of automobiles; all real estate owned with details
Verifications of Deposit (VOD): The lender will verify your account balances. Differences between reported and provided balances must be reconciled.
Gift Funds: Gifts from relatives may be used for down payment, but must be verified in writing with a letter stating no repayment is expected.
Itemize all current bills, loans, and other debts:
⚠️ If you've had credit problems: Provide a written explanation. Lenders recognize that unemployment, illness, or marital problems can temporarily impair credit. If corrected, your credit will likely be judged satisfactory.
Bankruptcy or Foreclosure: If within the past seven years, provide full details and copies of applicable documents.
You will be asked to sign certification that the information provided is correct, promise to advise of any material changes, and consent to verification of application data.
Race and gender information is requested for federal fair housing monitoring and has no effect on your loan application.
After completion, your application goes to loan processing and underwriting. Within 3 business days, you'll receive:
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