Credit scores are done by 3 main companies and the lender will average or use the lowest. You don't want to keep pulling your credit score or it will actually lower it. As many have already said you will want to check with local lenders to see what programs they have available and also to make sure they are licensed in Florida.
Now it a good time to begin interviewing agents to work with. I agree with Martha, find one you are comfortable with and who knows the areas you want to look in. They can give you some lenders to check out for rates and services. If you have already had your credit pulled, get a copy of the score, which they should give you and you can tell the lender here so that you can get an idea of what price range you are comfortable with and how much mortgage money that will buy you. Remember to have them include not just principle and interest but also taxes and insurance since most lenders will include this in your monthly payment. Depending on what you are looking at you may need to include a condo or HOA fee.
While you are browsing on line I have a free service called â€œListingbookâ€, which I provide for my clients. It is like a back door into the MLS, which updates daily: new listings, price changes, solds & withdrawn listings, allowing you to really be able to follow and learn the market. I set up a basic search according to your guidelines. Once you are in, you can change the parameters as you need. If this is something you would be interested in let me know & I would be glad to set up your free Listingbook Account.
When you visit the Tampa Bay area, I also have a free automated service called CITY (Curbside Info to You) available 24/7. I issue you a number you can call in on ANY Real Estate For Sale sign and it reads the MLS information to you from the street address for all ACTIVE MLS listings. If this would be helpful let me know. I just need your cell phone and an email to register it. If you want to put it on multiple phones, I can put up to three numbers on one user. Just send the numbers you want added. I will email you the number you call in on to get the information. Put it in your favorites for quick access when you are driving around. I use it all the time.
I feel an informed client makes the best decisions regarding their real estate needs. Let me know if I can be of assistance.
Broker Associate, GRI, SFR, NHS
Real Estate Consulting, Marketing & Sales
Prudential Tropical Realty
2539 Countryside Blvd #3 Clearwater, FL 33761