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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 
Where is the world's oldest pyramid?

A 
The oldest pyramid is the Third Pyramid of Mycerinus is at El Gizeh, Egypt; it has the largest single block weighing 320 tons.
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Augie & Calla Bertao, REALTOR®, real estate agent and broker for Hollister, and San Juan Bautista, California home listings, property and land for sale - NUMBER1EXPERT

Augie & Calla Bertao
Bertao Real Estate Group

330 Tres Pinos Rd. Ste., F-2
Hollister, CA. 95023
License #:01821492
Office: 831-637-7253
Cell: 831-524-5400
Fax: 866-699-2372
Email: augieandcalla@bertao.com
Email: wesellhollister@number1expert.com

Augie and Calla have served San Benito County since 1986. They are a full time husband and wife team with over thirty years of combined real estate experience. As consistent "Top Producers", specializing in single family residence and relocation services, Augie and Calla are committed to serving you with professionalism and excellence. Call us for our professional advice.

CRS ePro


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