The response to our programs has been overwhelming! For that reason, we are asking people who are seriously considering leasing and/or purchasing a home in the next 1-5 months take the time to fill out the Pre-qualification form below so we can prioritize the people that really do want and need our help.
We will NOT pull credit data from the 3 Credit Bureaus, nor will we ask for any bank account numbers. That authorization can only come from you after you have filled out an official Investor Lease with the Option to purchase Application from our Investor.
Please select which best describes your needs
Full Name(s)
Email Address
Phone Number
City of Interest
County of Interest
Do you own or rent your current home?
Desired Home price range
Maximum Pre-Qualified purchase price (if you have been Pre-Approved in writing by a lender)
When do you anticipate purchasing a home?
Do you now, or will you have, at least $5,500 in a bank account or gift, to be used for your professional Home Inspection, Earnest Money Deposit, Appraisal Fee, and Loan Closing Costs?
Discharged Bankruptcy filed in past 2 years -OR- Home Foreclosure / Deed in Lieu Foreclosure / Short Sale in past 3 years?
Are you a Hometown Hero? Special programs are available to you, if your job is on this list
Occupation (if different than above)
Compensation method
Annual Income BEFORE TAXES, NOT including bonus, commission or overtime UNLESS you have been at the same job with the same company for AT LEAST 2 FULL YEARS
Total MONTHLY FINANCED DEBT that would appear on a standard credit report including: Car payment, MINIMUM PAYMENT for ALL credit cards COMBINED, monthly student loan payment for EACH Borrower, any monthly installment loan such as furniture, jewelry, boat, jet ski, personal installment loans, IRS Tax Lien Payments etc...
Lenders are generally NOT concerned with typical household expenses such as rent, cable TV, Insurance payments, utilities. Please do not include those daily expenses.
FICO Credit Scores: If you don't know your true FICO 5-4-2 mortgage version scores, please go to:myfico.com and sign up for the Premiere monthly subscription ($39.95). You cannot use the 3 dashboard numbers, you must click view additional fico scores link to see your (3) true FICO 5-4-2 mortgage version scores used in mortgage, auto, and bank card decisions. All Mortgage lenders use the middle mortgage score (of the three) for qualifying.
Is there anything else you would like to add that might affect your ability to obtain a mortgage loan?
Please understand that we are a Real Estate Brokerage that employs both Realtors and Mortgage Loan Officers. Some of our Realtors are also Mortgage Loan Officers. However, because of legal ramifications and possible ethics violations, we do not make it a practice of Originating Loans for outside Realtor’s customers.
Mid Florida Realty sponsors the down payment assistance websites and seminars, but we are not paid for counseling services by the State of Florida, any Lending entity, any municipality, Realtors, Loan Officers, or any individuals who are currently working with other Real Estate Brokerages. For a variety of good reasons, we will not advise anyone who is currently working with another Real Estate Brokerage.
We do not charge our Customers for advice and guidance related to real estate transactions and/or mortgages. We are only paid when we represent our customers as their Realtors.
We receive several inquiries from Loan Officers, Realtors, and other Realtors customers every week. Please understand that every phone call or any other form of communication we have with Realtors, Loan Officers or individuals who are not committed customers of Mid Florida Realty is not only time that we cannot get back, but more importantly puts our staff at legal risk with the Real Estate and Mortgage governing entities.
At this time, since you are either ARE a Realtor OR working with another Realtor and/or already have a home under contract with another Realtor, or intending to purchase the rental home your currently livng in, we are not allowed by Statue to get involved with another Realtor’s customer whether you are “In Contract” or not.
If your current Realtor arrangement changes and you’re no longer represented by a Realtor, please reapply and change your answer, but be truthful because it would become a serious problem if one of our Loan Officers begins to Originate your Loan and you continue to use your previous Realtor.
Good luck with your transaction and thank you for your interest.