To snag a mortgage in Florida, you’ve got to check a few boxes, no way around it. Firstly, you need a steady income, a solid financial history (that’s your credit score), and your debt-to-income ratio better be in check. Mortgage lenders will scrutinize your ability to make a down payment too. They want to be sure you’re pulling in enough money to cover those monthly mortgage bills. Be ready to back it all up with proof of employment and a stack of documents like tax returns and bank statements. Don’t forget, you’ll need homeowners insurance for the property you’re eyeing. Each type of mortgage has its own set of rules, so it’s a smart move to have a chat with a Florida mortgage broker for some guidance and how to get the best mortgage rates.