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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	What is considered one of the key elements of the American dream?
A	Home ownership is considered to a key to the American dream; more than 2 million first-time buyers bought property last year.
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Gina Suriano Barber, REALTORŽ, real estate agent and broker for Scotch Plains, Fanwood and Westfield New Jersey home listings, property and land for sale - NUMBER1EXPERT(tm)

Gina Suriano Barber
Coldwell Banker Residential Brokerage
209 Central Avenue
Westfield
New Jersey 07090
908-301-2012
fax: 908-233-8780
ginasurianobarber@NUMBER1EXPERT.com
Gina Suriano Barber...Exceeding Expectations!
Gina is a top producer serving Union, Middlesex, and Somerset Counties. A lifelong resident of Union County, Gina specializes in the Westfield and Scotch Plains areas.
Real estate sales are proactive. Its not just putting a sign in the ground or waiting for the phone to ring. I offer my clients a competitive edge by staying abreast of the latest market trends and industry offerings. I stay in constant touch with my clients either directly or through the use of technology. You can be confident of my area knowledge and negotiating abilities with over 17 years of real estate experience, and over $10 million in sales annually.
In an industry that recognizes high levels of achievement, I have been awarded numerous designations demonstrating my success. I have chosen Coldwell Banker Residential Brokerage as my company as it maintains my similar high standards. With products and services exceeding expectations, I can offer you the ultimate advantage - a top professional and the areas premier real estate company.

www.GinaSellsNJHomes.com is brought to you by Gina Suriano Barber
NUMBER1EXPERT™ in real estate for Scotch Plains, Fanwood and Westfield, New Jersey

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