Real Estate Tips

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Real Estate Tips

Financing Your Home >Mortgage Fears

It is not unusual for home buyers to feel that the lender is being very critical during the loan approval process. The buyer is required to provide all kinds of financial information, and then the lender asks for more. If this is your experience, and the process seems discouraging, remember that none of this is personal!

Some lenders have more stringent requirements than others, but every lender requires a substantial amount of documentation on a mortgage loan. They must verify employment, credit history, and recent financial transactions involving your liquid assets. If your Visa payment was late, they may ask for a letter explaining why. If you are self-employed, they will ask for tax returns from at least three years and probably a year-to-date profit and loss statement.

Government regulations require mortgage companies to document everything. And while the loan officer may know that you are a reliable risk, the underwriters must be able to defend the loan to a federal bank examiner or auditor.

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Real Estate Trivia

Q	What time of year is considered the busiest for homebuyers and sellers?
A	Real estate is a year-round business, but spring is still considered the best time of year to showcase a home.
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WEICHERT, REALTORSŠ - The Chase Team, REALTORŽ, real estate agent and broker for Norwell and Scituate, home listings, property and land for sale - NUMBER1EXPERT

The Chase Team
WEICHERT REALTORS - The Chase Team
146 Front Street
Scituate, MA 02066
781-545-7900
Fax: 781-545-7901
Cell: 617-803-2660
donna@chaseteam.com
Where others might take the easy road, Donna, as one of America's NUMBER1EXPERTS in the Norwell and Scituate areas, travels the route that delivers the BEST results and service to her clients. Donna skillfully negotiates through any transaction with years of sales and negotiations training, to deftly turn obstacles into advantages for her clients. She arrives at her goal using inspired strategies and creative marketing, unlike any other agent you may have met! Donna's properties are selling quickly. Call her today for a half-hour presentation to show you a different approach to marketing your property.