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Real Estate Tips
Financing Your Home >Lenders Want to Say Yes

If you wish to buy a home but consider yourself incapable of getting credit, you may be living in the past in terms of assessing your financial situation. Lenders have become more flexible in underwriting mortgage loans.

A recent survey of mortgage lenders revealed some interesting trends. Ninety-six percent of those surveyed had cut their standard down payment requirements for moderate-income buyers, and 93% said they are more lenient regarding debt-to-income-ratios. Ninety-four percent of those surveyed said they now have more flexible approaches to credit histories, and look at rent and utility payments more than credit cards. Seventy-nine percent of lenders say they have relaxed employment criteria. They now look more at your capacity to generate a stable flow of income rather than requiring a long history at one job.

There are more lenders today, and they are in fierce competition with each other. The home loan industry has created entire markets that cater to those with less-than-perfect credit.

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Real Estate Trivia
Q 
Where is the world's largest bridge located?
A 
Lake Pontchartrain Causeway at New Orleans, Louisiana is the world's largest bridge. It is almost 24 miles long.
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Paul Mruk, REALTOR®, real estate agents and broker for Oakland County and Wayne County, Michigan home listings, property and land for sale - NUMBER1EXPERT(tm)

Paul Mruk
RE/MAX Classic
26870 Beck Road
Novi, MI. 48374
Phone: 248-348-3000
Fax: 248-347-1169
Email: paulmruk@NUMBER1EXPERT.com

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