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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 |
What site discovered in 1965 is considered the world's oldest known habitation?
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| A |
The Terra Amata site in Nice, France has the remains of 21 huts belonging to the Acheulian culture from 400,000 years ago. |
 See More Real Estate Trivia > |
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Michael Hixon
Country Ranch GMAC Real Estate
1858 Highway 95
Bullhead City
AZ 86442
Main: (928)754-HOME (4663)
Fax: 928-758-8808
Email: michael@mydesertfoothills.com
All Within 10 minutes of my front door! You can be playing golf on the new beautiful Laughlin Ranch golf course. Launching your boat, waterskiing, jet skiing or fishing on the beautiful Colorado River. Enjoying your favorite game or live entertainment in one of Laughlin Nevada's riverfront casinos. You can enjoy your off road vehicles or toys in the desert foothills, or just relax sitting in your yard and enjoying the beautiful sunsets, casino, river and mountain views. Welcome Home! Come and be my neighbor. Call me today. 928-279-2877   
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