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  1. Why should I use a mortgage broker over a bank?

“Apply Here” Mortgages and More, INC. works with hundreds of lenders including most of the banks you may visit. You see them on a retail level as we work with them on a wholesale level, so you are not paying any more seeing us but you are offered a much more diversified array of options.

  1. What is a FICO score?

FICO stands for Fair Isaac Company. It is a numeric representation or scoring of your credit report. The higher your score is, the better the risk you are to the Lender. Many mortgage products require a minimum allowed FICO score.

  1. What is a PMI?

PMI (Private Mortgage Insurance) is insurance required by the Lender if you do not hold at least 20% equity in your home. You may call to have this monthly fee removed.

  1. What is a ‘No Income Verification’ mortgage?

You are only asked to state your income on the application. You are not asked to show proof of that income through documentation or verbal verification of that amount.

  1. What amount can I qualify for?

Several factors will determine how much you qualify for, such as your monthly gross income vs. your combined monthly debt. Your credit will help determine how high a risk you may be, which could limit the loan to value amount. Use our easy pre-approval form to let us help you determine your options.

  1. What is PITI?

This stands for your monthly combined payment of your mortgages principal and interest along with your escrowed taxes and insurance.

Save this checklist:

  • Residential history for the last two years
  • Employment history for the last two years
  • Bank statements for the last three months (all pages)
  • Mortgage statements (recent)
  • Pay stubs for the last month
  • If purchasing, copy of the contract, realtors and title company information
  • If applicable: divorce decree, alimony, child support
  • The past two most recent tax returns
  1. How long does the process take?

From the time of application to the closing of the loan, the entire process usually takes approximately two and a half weeks. We have closed loans in only a matter of days and only a few dragged on more than a month usually due to missing documentation requested by the underwriter.

Welcome to Apply Here Mortgages & More, Inc. We are here to serve all of your mortgage needs in Florida. We locally serve Palm Beach, Martin, Broward, and Dade counties. Our web site has been designed for your ease of use, but if you have any further questions we are always happy to answer them. Please visit the Contact Us page for more details on how to get in touch with our Lake Worth office. Thank you for your visit and we hope to be hearing from you soon.
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