Harleysville, Lansdale, Skippack and Collegeville Pennsylvania real estate listings, home buying, selling and relocation information

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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	From 1974 to 1996, what was the world's tallest habitable building?
A	The Sears Towers, headquarters for Sears, Roebuck & Co., with 110 stories and 1,454 feet high.
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Dale Joy, REALTOR®, real estate agent and broker for Harleysville, Lansdale, Skippack and Collegeville Pennsylvania home listings, property and land for sale - NUMBER1EXPERT(tm)

Dale Joy
RE/MAX 440
4092 Skippack Pike, PO Box 880
Skippack, PA. 19474
Direct: 610-584-8557
Office: 610-584-1160
Fax: 267-354-6852
Email: dalejoy1@verizon.net
Whether you're buying your first house, building your dream house, or selling your third or fourth house-the financial and emotional investment is significant. Because every real estate transaction is different, the experience and professionalism of your realtor does make a difference. Dale Joy makes it his business to be the difference for his clients. As an inductee to the RE/MAX Hall of Fame Dale's achievements have been recognized as superior by the industry. But awards and recognition are only half of the story...over 700 satisfied clients tell the rest. Your real estate transaction deserves to be as important to your realtor as it is to you. To Dale Joy, it is.

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