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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	Legend has it that when Brigham Young first saw this city in 1847, he exclaimed: "This is the place!"
A	Salt Lake City, Utah.
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Marina E. Ringstrom, REALTOR®, real estate agent and broker for Charlottesville, Albemarle and Keswick Virginia home listings, property and land for sale - NUMBER1EXPERT(tm)

Marina E. Ringstrom
Real Estate lll
1568 Heathrow Lane
Keswick, VA. 22947
434-465-0035
434-817-9200
Fax: 434-295-5208
Email: Marina@MyCharlottesvilleHome.com
Are you looking for CHARLOTTESVILLE REAL ESTATE? Now is the time to buy. Interest rates are at their lowest in years and sellers are motivated! You've come to the right place. My market knowledge may very well be the Key to your new home. As a former real estate marketing director and copy writer I know what attracts buyers..... in addition, I believe in creativity and hard work.

My family and I love the Charlottesville area and have called it home since 1996. Since relocating from Manhattan by way of Stockholm, Sweden, I understand the meaning of home and will be delighted to assist you in finding yours.

Whether it's brand new construction, a previously owned property, golf course homesite or a trendy townhome downtown, beautiful Charlottesville has it all!

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NUMBER1EXPERT™ for Charlottesville real estate VA, Albemarle real estate and Keswick real estate, Virginia, luxury townhomes and new construction

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