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Special Offers: Special offers for Harleysville, Lansdale, Skippack
and Collegeville homeowners from Dale Joy, top Realtor |
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Affiliates: Dale Joy's real estate web site affiliates |
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eNewsletter: Dale Joy's Harleysville, Lansdale, Skippack and Collegeville
newsletter email will send you the latest real estate
information |
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Today's Real Estate News: Daily real estate news for this neighborhood, Pennsylvania, and
United States |
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Market Conditions Report: Market conditions report for this area, Pennsylvania, and United
States |
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Monthly Payments & Schedule: Monthly loan payments java
mortgage calculator |
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How Much Can You Afford?: Calculate how much home
you can afford with this financial calculator |
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Determine Tax Savings: Calculate how much your
monthly Harleysville, Lansdale, Skippack and Collegeville Pennsylvania mortgage
payments save you on your taxes because of loan interest |
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Should You Rent or Buy?: Is it better to rent a
home in Pennsylvania or buy your own Harleysville, Lansdale, Skippack and
Collegeville house, ranch, luxury property, condominium, acreage, or other real
estate? |
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Adjustable Rate Mortgages: Adjustable rate
Harleysville, Lansdale, Skippack and Collegeville mortgages information and
interest rate java calculator |
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What Is Your APR?: Determine the Annual Percentage Rate (APR) for your mortgage. |
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Fixed or Adjustable Rate Mortgage?: Use this calculator to compare a fixed rate mortgage to two types of ARMs, a Fully Amortizing ARM and an Interest Only ARM. |
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Are Balloon Mortgages For You?: Balloon mortgage calculator. A balloon mortgage can be an excellent option for many home buyers. |
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15 vs. 30 Yr Mortgages: With a 15 year mortgage you will pay significantly less interest, but only if you can afford the higher monthly payment. Use this calculator to compare these two mortgage terms. |
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How Much Should Your Income Be?: What income is required to qualify for a mortgage? Use this calculator to find out. |
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What's Your Maximum Mortgage?:This calculator will help you determine your maximum monthly housing payment and the resulting mortgage amount. |
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Will Buying Points Save You Money?:This calculator helps you determine if you should pay for points, or use the money to increase your down payment. |
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Top National Real Estate Web Sites: Real Estate Web Sites
that include some unique sources of realty information, listings, and
more |
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Ask Anything: Ask Dale Joy anything real
estate |
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NUMBER1EXPERTS: List of all the NUMBER1EXPERT real estate agents and realty professionals and brokers in the USA and Canada with links to their personal web sites with homes for sale |
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Real Estate Tips: Dale Joy's realty library of real
estate tips and advice on everything from preparing your home for sale to
negotiating with home buyers to escrow, closing costs, property inspections,
and mortgage brokers |
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Real Estate Trivia: Dale Joy's collection of real estate trivia questions and answers
that include real estate topics such as the most expensive home, largest
swimming pool, and more |
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Real Estate Dictionary: Complete real estate
dictionary and glossary of realty words you'll use when you list and sell your
Harleysville, Lansdale, Skippack and Collegeville property in Pennsylvania,
including legal terms definitions, and more |
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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 has a tremendous impact on the U.S. economy, comprising between $10-$15 trillion of the nation's wealth?
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| A |
Real Estate--it goes through cycles, but still has a long-term record of strong investment return. |
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- NUMBER1EXPERT™ 
