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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 characteristics must a home have to be considered a prestigious property?
A	Unique architectural design; Highly desirable location; celebrity status--owned by a well-known person.
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Gary Peruzzini and Michael Tobian, REALTORŽ, real estate agents and broker for Scottsdale homes real estate Phoenix homes real estate and Paradise Valley Arizona real estate home listings, property and land for sale - NUMBER1EXPERT(tm)

Gary Peruzzini and Michael Tobian
Realty Avenue
3711 S. Terrace Rd.
Tempe, AZ 85282
480-730-2775
Toll Free: 800-990-4279
Email: info@scottsdale-phoenix.com
Realty Avenue consists of the dynamic team of Gary Peruzzini & Michael Tobian. These partners are your Scottsdale, Paradise Valley, and Phoenix-Metro Area Experts. You deserve to be represented by caring and knowledgeable professionals. When involving your most personal and valuable asset, why take unnecessary risks? It makes sense to engage Gary & Michaels winning sales philosophies and technology along with their superior knowledge of the current real estate market, over 20 years of combined experience and over 500 satisfied past clients. There is no substitute for experience!

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