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About The Jamie Silverman & Kim Panes Team:
About Jamie - Information about about Jamie of Livingston, Short Hills and Millburn, New Jersey
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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.
At the Winter Palace and Hermitage in St. Petersburg, Russia, visitors would have to walk 15 miles to see the 322 galleries which house almost 3 million works of art.
The Jamie Silverman and Kim Panes Team Weichert Realtors 505 Millburn Avenue Short Hills NJ 07078 FOLLOW US ON TWITTER & FACEBOOK Office Phone: 973- 376-4545 Mobile Jamie: 973-632-9913 Mobile Kim: 201-407-0721 Fax Jamie: 973-255-1025 Fax Kim: 973-255-1050 Email Jamie: sjjsilver@aol.com Email Kim: kimpanes@gmail.com
With many years of experience in residential real estate, Jamie and Kim are Top Producer Realtors with Weichert Realtors. They specialize in Essex, Union and Morris counties of NJ. Contact us with all your real estate needs.
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