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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 
What weighs 320 tons and is considered the largest single block building?

A 
Pyramid of Mycerinus (Third Pyramid) at El Gizeh, Egypt is the largest single block building and the world's oldest pyramid.
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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!

ABR CRS Equal Housing MLS REALTOR


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NUMBER1EXPERTS™ in real estate for Hope Mills, Fayetteville, and Ft. Bragg, North Carolina

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