Algonquin and Lake In The Hills Illinois real estate listings, home buying, selling and relocation information

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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	What is the most common name for a city in the United States?
A	Fairview is the most common city name, according to the 1996 Top Ten of Everything Book.
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Cathy Leonard, REALTOR®, real estate agent and broker for Algonquin and Lake In The Hills Illinois home listings, property and land for sale - NUMBER1EXPERT(tm)

Cathy Leonard
Coldwell Banker- Primus Realty
777 E. Algonquin Road
Algonquin, IL. 60102
Phone: 847-658-2880
Fax: 847-658-2014
Email: cathy@cathyleonard.com
As a real estate professional, Cathy Leonard understands the importance a home brings to a family. That's why when it comes time to make a move, you want a Realtor® who listens and cares about your needs. Cathy is the right choice. Her dedication and hard work is reflected in her track record of success, as well as her long list of satisfied clients. Watch your success grow and blossom when you choose Cathy to represent your needs. Cultivating great results is a promise to you from her. Call Cathy Leonard today and let her help you achieve your real estate goals.

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