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"...sold our home in 6 days"

"...Working with Susan and David was a pleasant experience;it made our move much easier and less stressful. We were kept informed of all details throughout the process and they sold our home in six days!"

Chris and Suzi Vertesch

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School Reports in O'Fallon, Scott Air Force Base and Belleville, Illinois

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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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Q	What are three of the best indicators of real estate market trends?
A	Existing home sales, new home building and mortgage interest rates.
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Susan and David Holden, REALTOR®, real estate agent and broker for O'Fallon, Scott Air Force Base and Belleville, Illinois home listings, property and land for sale - NUMBER1EXPERT

Susan and David Holden Broker/Owners
RE/MAX Preferred
1668 Windham Way - Lakepointe Centre
O'Fallon, IL 62269
618-531-4887
Fax: 618-624-8927
DavidHolden@remax.net
Thank you for visiting us at www.ofallonrealestate.com we look forward to assisting you in your home buying or selling needs. We believe in a "hands on" approach to Real Estate, this is why you will deal only with us during your transaction. This allows us to manage all aspects and react to changes quickly. Please do not hesitate to contact us for more details

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