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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 do 84% of homebuyers who use the Internet to search for homes have in common?
A	They use a real estate agent to purchase their home.
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The J Team, REALTOR®, real estate agents and broker for Vancouver, Camas and Battle Ground, Washington home listings, property and land for sale - NUMBER1EXPERT™

The "J" Team
Keller Williams Realty
915 Broadway, Suite 100
Vancouver, WA. 98660
Phone: 360-816-9901
Fax: 360-906-0027
Email: JayHomes@gmail.com
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