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I add my newest homes and other real estate listings to this web site first. It can be some time before they appear in the MLS, and even later on the national listings web sites, if at all. By signing up to receive my latest listings, I'll send you an email notice instantly -- as soon as my latest homes for sale go online. You'll find out first, before other buyers. There is absolutely no obligation, and this service is free of charge. Don't miss out! Just fill out the form to get started...
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 |
What trendy and highly unusual hotel must be totally rebuilt every year?
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| A |
Sweden's popular Ice Hotel, which has 60 double rooms, 25 suites and an interior temperature of 20 degrees, starts melting to the ground in May and is rebuilt every winter. |
 See More Real Estate Trivia > |
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Frances Rosado
Coldwell Banker
789 Clifton Ave
Clifton, NJ 07013
973-594-4333
Fax: 973-773-5133
FrancesRosado@NUMBER1EXPERT.Com
Frances is a full-service agent who is always thinking ahead and making plans to ensure the most efficient time management, and her incredible organizational skills allow her to accomplish more in a day producing optimal results. Throughout every step of the process, Frances keeps you informed and up-to-date with all the pertinent information you need to make sound decisions. Whether buying or selling your home in Clifton or the surrounding communities, Frances Rosado is A Star Performer. Call her today to schedule a complimentary consultation.  
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