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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 holds the title as the tallest reinforced concrete building in the U.S.?
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| A |
311 South Wacker Drive in Chicago was completed in 1990 and is 65 stories high. |
 See More Real Estate Trivia > |
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The Whitaker Team
Rainbow Realty
3320 Highway 20
at Last Chance
Island Park, ID 83429
Office: 208-558-7116
Joan Cell: 208-351-7116
Brett Cell: 208-351-7117
Fax: 208-558-9656
Joan and Brett Whitaker: ipjoan@aol.com
Brett Whitaker: whit@rainbw.com
Let Joan and Brett's combined 36+ years of real estate experience guide you through your real estate transaction in Idaho.
With the Whitaker Team you get "Double the Service and Double the Results."   
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