Hope Mills, Fayetteville, and Ft. Bragg North Carolina real estate listings, home buying, selling and relocation information

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For Buyers: 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 >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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Q	What has a tremendous impact on the U.S. economy, comprising between $10-$15 trillion of the nation's wealth?
A	Real Estate--it goes through cycles, but still has a long-term record of strong investment return.
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Edwards, Pechmann, & Packer CPAs
First Time Home Buyer $7500 Tax Credit!!!
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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
Jim Harris began in real estate in 1998. He has long been known as one of the most successful Realtors in the Greater Fayetteville Area. Wendy, his daughter, moved back to Fayetteville in October 2001 to assist Jim in his retirement transition. Wendy jumped into the business with both feet and has never looked back. Wendy is a licensed broker, ABR (Accredited Buyers Representative), ASP(Accredited Staging Professional), and CRS(Certified Residential Specialist). She serves on the Board of Directors for the Fayetteville Regional Association of Realtors and Fayetteville Area Habitat for Humanity. She is Chair of the Leadership Fayetteville Alumni Association, a member of the Home Builders Association, the Chamber of Commerce, and the Military Actions Council. A graduate of Star Power University, Wendy also has a bachelor’s degree in International Business, and a minor in Spanish from St. Andrews College in Laurinburg. She loves to travel, and is married to Eduardo.

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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