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"thrilled with the price we got"
"There are three things in particular for which I'd like to specifically thank you. First, we think your ideas, judgment and advice relating to preparing our house for showing had a dramatic impact on the whole process. A few extra dollars on paint and carpet and some time spent rearranging the furniture and art in some rooms was well worth it. We were surprised by how well the house looked the day of the open house. Second, we are thrilled with the price we got, and we are relieved that we sold the house out of the first open house. I am pretty sure we set a new standard for the neighborhood, and a quick sale helped us avoid a long sales process. Third, your overall attitude and the energy you bring to your work helped us relax and feel good about the process as we went through it. I can't imagine having worked with anyone else."
Ellen and David Winter
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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 |
Where was the first hotel built in the US?
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| A |
The Union Hotel (1802) Saratoga Springs, NY, is the first hotel emphasizing lodging and services, in addition to food and drink. |
 See More Real Estate Trivia > |
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- NUMBER1EXPERTS™ 
