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Ellen Clark, REALTORŪ, real estate agent and broker for Richmond Virginia home listings, property and land for sale - NUMBER1EXPERT(tm)



All agents are NOT alike! I am a top real estate expert in the Richmond, Virginia area. Call me at 800-448-3287 or use the Contact link above.


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Real Estate - Homes - NUMBER1EXPERTS Sell More!
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From My Affiliates: Richmond Virginia home buying, real estate listings, and homes for sale in Chesterfield                   County, VA
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Real Estate Tips
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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Real Estate Trivia
Q 
What was considered the world's tallest building one hundred years ago?

A 
The Eiffel Tower in Paris, France, completed in 1889 and standing 984 feet tall, is still considered one of the world's greatest structures.
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Ellen Clark, REALTORŪ, real estate agent and broker for Richmond Virginia home listings, property and land for sale - NUMBER1EXPERT(tm)

Ellen Clark
Re/Max Commonwealth

1231 Alverser Drive
Midlothian, VA. 23113
Toll Free: 800-448-3287
Office: 804-794-2150
Pager: 804-794-2150
Fax: 804-739-3375
Email: ellen@ellenclark.com

Ellen Clark has Twenty years experience in Real Estate industry. She has been a Top Producer since 1996. Ellen Clark is a professional who enjoys what she does. As she says, "I love what I do and hope that is reflected in my work. I am sincerely committed to serving my clients and making their needs a priority. It gives me enormous satisfaction to help people make such an important decision."

ABR CRS ePro Equal Housing GRI MLS REALTOR wcr


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