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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	Upon completion this year, what will be the tallest residential building south of New York and east of Chicago?
A	Located in Biscayne Bay, Florida, the $120 million, 51-floor luxury condominium will be called The Santa Maria.
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Timothy Shreiner of The Shreiner Group, REALTORŽ, real estate agents and broker for Lancaster, Lampeter-Strasburg and Lititz Pennsylvania home listings, property and land for sale - NUMBER1EXPERT(tm)

Joel Leaman of The Shreiner Group, REALTORŽ, real estate agents and broker for Lancaster, Lampeter-Strasburg and Lititz Pennsylvania home listings, property and land for sale - NUMBER1EXPERT(tm)

The Shreiner Group
Prudential Homesale Services Group
150 North Pointe Blvd.
Lancaster, PA 17601
Direct: 717-560-8496
Office: 717-560-9100
Fax: 717-569-2299
Email: theshreinergroup@NUMBER1EXPERT.com
Tim Shreiner, Joel Leaman, and The Shreiner Group are dedicated to helping each client accomplish their real estate dreams by serving them with the highest level of integrity, honesty, respect, and professionalism. Their commitment is to Go the Extra Mile for each client and become their Real Estate Team for life. Tim Shreiner and Joel Leaman have developed a team of trained real estate professionals to serve all of their clients' real estate needs. They specialize in selling residential, investment, land, and commercial real estate in Lancaster County, Pennsylvania. The Shreiner Groups FREE moving truck is just one of the many value-added services offered to their clients. CONTACT THE SHREINER GROUP TODAY FOR ALL YOUR REAL ESTATE NEEDS!!

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