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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	Over what famous building is aircraft forbidden to fly at any time?
A	No aircraft is permitted to fly over the Taj Mahal in India.
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Heather Morris Realty Consulting, REALTOR®, real estate agents and broker for Cedar Rapids, Marion and Robins, Iowa home listings, property and land for sale - NUMBER1EXPERT™

Heather Morris Realty Consulting
Skogman
341 8th Avenue
Marion, IA 52302
Phone or Text: 319-350-7653(SOLD)
E-Mail: Heather@HeatherMorrisRealtor.com
Heather Morris is a licensed realtor in the state of Iowa. Whether you are buying your first home or building your dream. Heather Morris will ensure that your best financial interest is protected. With her high volume of transactions and advanced training, she is named a Certified Residential Specialist in the top 4% of the nation’s realtors. With Heather Morris and her real estate team, you will have an enjoyable experience. Let Heather provide you with excellence in real estate.

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