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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. See All Tips In The "Financing Your Home" Category > See Complete Library Of Hundreds Of Tips In 30+ Categories >

Q  What is encroachment, and how might it affect a property owner? A  Encroachment, refers to the unauthorized intrusion of a building or improvement onto another person's property; it often requires a surveyor's report to support the claim. See More Real Estate Trivia >

Spencer Marker Long and Foster Real Estate 6134 Redwood Sq Center, Suite 102 Centreville, VA 20121 Direct: 703-830-6123 Toll-Free: 800-682-0917 Email: Spencer@SELN4U.com The best way to maintain a winning track record is to consistently provide more effective customer service. I have a simple philosophy - Your priorities become my priorities. Which means I take the time to understand your needs and focus on them clearly. Then I put all of my resources to work and provide a level of service you will find unequaled. www.Seln4u.com is brought to you by Spencer Marker NUMBER1EXPERTS™ in real estate for Centreville, Chantilly and Fairfax County, Virginia Read Spencer Marker's Privacy Guarantee, Terms of Service, and Free & Without Obligation Pledge

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