Tim Hart has put together a home buyers tips section in the form of a school lesson called Florida Mortgage University. Hopefully you find it useful in your task of buying a home in Florida!

Your credit is one of the most vital pieces to your mortgage. We will use your credit score as its main tool to judge if you are going to pay the lender on time or give them unwanted foreclosure.

When your are obtaining a Florida Mortgage and especially if you are a First Time Home Buyer you will want to be prepared to explain your past credit history.

When you are trying to to buy your new home know what kind of payment to expect by using our Free Florida Mortgage Calculator.Our mortgage payment calculator should be a great asset to you.

You will be required to provide documents needed for mortgage preapproval so start gathering your paperwork today to make your process easier.

We will be honest with you in your transaction to obtain a Florida Mortgage so please do the same with us. We know you will!!!

Whether you are Florida First Time Home Buyer, 2nd Home Buyer or an Investor, CONGRATULATIONS, you are making a big step in your life and Tim Hart is here to help!

It seems simple but you would be surprised how unprepared some First Time Home Buyers and even experienced homeowners really are. Be prepared!

You will only have several options for your closing costs to be paid, either by the seller through the sales price or the mortgage closing costs must be paid by the buyer.

A Florida Realtor does not cost a buyer anything to hire. They are paid for out of the seller proceeds so they DO NOT cost you anything. We can recommend Realtors throughout the state of Florida.