Rancho Palos Verdes, Redondo Beach, Torrance California real estate listings, home buying, selling and relocation information

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From My Affiliates: Rancho Palos Verdes, Redondo Beach, Torrance California home buying, real estate listings, and homes for sale in Los Angeles County, CA

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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	Which city in the U.S. has the longest formal name, but the shortest abbreviated name?
A	El Pueblo de Nuestra Senora la Reina de los Angeles de la Porciuncula is the full name for Los Angeles, known as "LA".
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Jack McSweeney, REALTORŽ, real estate agent and broker for Rancho Palos Verdes, Redondo Beach, Torrance California home listings, property and land for sale - NUMBER1EXPERT(tm)

Jack McSweeney, CDPE, SRES, E-PRO, PVS
Re/Max Palos Verdes - EXECS
63 Malaga Cove Plaza
Palos Verdes Estates
California 90274
Office: 310 378-9494
Cell: (310) 346-0391
Fax: (310) 802-3838
Email Me Direct:: jack@mcsweeney.com
I am full-time Realtor, Certified Distressed Property Expert and Consultant. I have been licensed (#10272230) since 1988, specializing in Homes and Residential Commercial real estate in the South Bay area of Los Angeles including Rancho Palos Verdes, San Pedro, Lomita, Redondo Beach, Hermosa Beach, Manhattan Beach, El Segundo and Torrance. I am a member of the Palos Verdes Association of Realtors, Board Certified Palos Verdes Specialist, California Association of Realtors, National Association of Realtors. A Member of the REMAX Hall of Fame. I have an extensive financial and management background as a former Member and Specialist on the Pacific Stock Exchange. I am professional. I understand the South Bay real estate market and will confidently guide my clients to achieve their real estate goals. Experience... It Works everytime!

Re/Max Palos Verdes real estate and homes for sale in Rancho Palos Verdes, Redondo Beach, Torrance California

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