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There are always important changes happening in the real estate market, locally and nationally. These changes can affect YOU.
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.
Wells Fargo Home Mortgage See what Max from Wells Fargo Home Mortgage can do .for you Find Out More >
Melissa Oliver and The O Team PMZ Real Estate 14570 Mono Way Suite F Sonora, CA 95370 Office: 209-694-8781 Melissa's Cell: 209-559-0682 Camie's Cell: 209-559-1331 Michelle's Cell: 209-770-4583 Email: melissao@melissao.com
Melissa Oliver and The O Team bring you several years of qualified experience in the Sierra Foothills of Tuolumne and Calaveras Counties. Melissa Oliver, Broker Associate, is a Certified Residential Specialist®, one of the highest designated certifications offered by the National Association of Realtors. She also holds a GRI (Graduate Realtor Institute) to better help her client's in all areas of their transactions. Recently she received the newest National Association of Realtors designation Short Sale and Foreclosure Resource(SFR). Don't just hire any agent. Hire the team that cares about you and wants to make your home buying or selling experience one you will remember. Melissa and her team have expertise in residential, land, ranches, vacation, second home and 1031 exchange properties.
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Melissa Oliver and The O Team NUMBER1EXPERTS™ in real estate for
Tuolumne County, Calaveras County and Sonora, California
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