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Local Info: Hope Mills, Fayetteville, and Ft. Bragg North Carolina home buying, real estate listings, and homes for sale in Cumberland County, NC

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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	Where is the world's largest wine cellar, and how big is it?
A	A company in the center of the wine-growing district of South Africa has a cellar that covers an area of 54 acres and has a capacity of 27 million gallons.
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Team Harris--Wendy and Jim Harris, REALTOR®, real estate agents and broker for Hope Mills, Fayetteville, and Ft. Bragg North Carolina home listings, property and land for sale - NUMBER1EXPERT(tm)

Wendy Harris and Jim Harris
Team Harris Real Estate
1400 Hope Mills Road
Fayetteville, NC 28304
Tel: 910-433-2724
Toll-free: 800-428-2748
Fax: 910-484-2414
Email: Homes@TeamHarris.com
My father, Jim, retired here at Fort Bragg, so I know the ups and downs of moving a family down the road, across the country, or half way around the world. We want to know what we can do for you...choosing to keep our focus on customer service and loyalty. Staying involved in our industry and in our local community continues to Provide added benefits our clients moving to or from the Greater Fayetteville/Ft. Bragg Area! Let us put our years of experience to work for you!

www.teamharrisnc.com is brought to you by Team Harris--Wendy and Jim Harris
NUMBER1EXPERTS™ in real estate for Hope Mills, Fayetteville, and Ft. Bragg, North Carolina

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