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  • Welcome - Get the best real estate listings & homes for sale, expert advice, local info, and much more from Bo Longgrear, a proven Richmond Hill, Savannah and Hinesville, Georgia NUMBER1EXPERT™ Top Selling real estate agent.

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Real Estate Tips
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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Real Estate Trivia
Q 
What place is known as "America's Stonehenge"?
A 
A 4,000 year-old stone constructed megalithic site located on Mystery Hill in Salem, Massachusetts.
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Bo Longgrear, REALTOR®, real estate agent and broker for Richmond Hill, Savannah and Hinesville Georgia home listings, property and land for sale - NUMBER1EXPERT(tm)

The Bo Longgrear Team
Keller Williams Coastal Area Partners
128 Frances Meeks Way Suite 17
Richmond Hill, GA. 31324
912-756-6602
Fax: 912-727-6867
Email: Bo@BoSellsHomes.com


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