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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	In which 'Oil Sheikdom' of the Far East do the wealthy still choose to live in primitive houses on stilts?
A	Brunei's oil wealth results in no income tax, free education and health services, and cheap housing loans for its average citizen.
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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 ) 346-0391
Cell: (310) 346-0391
Hm: (310) 373-3374
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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