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Special Offers: Special offers for Chattanooga, Hixson, Ooltewah and E. Brainerd homeowners
from Barry and Diane Evans, top Realtors |
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Affiliates: Barry and Diane Evans's real estate web site
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Barry's Newsletter: Barry's Newsletter |
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National Real Estate News: Barry and Diane Evans's Chattanooga, Hixson, Ooltewah and E. Brainerd newsletter email will
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Today's Real Estate News: Daily real estate news for this neighborhood, Tennessee, and
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Market Conditions Report: Market conditions report for this area, Tennessee, and
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Mortgage Calculator: Quickly calculate how much your monthly and total payments will be with this calculator provided by Homes.com. |
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TripleCalc: FREE Software
Download: TripleCalc lets you compare three loans at one time for your property
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Top National Real Estate Web Sites: Real Estate Web Sites
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more |
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Ask Anything: Ask Barry and Diane Evans
anything real estate |
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NUMBER1EXPERTS: List of all the NUMBER1EXPERT
real estate agentss and realty professionals and brokers in the USA and Canada
with links to their personal web sites with homes for sale |
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Real Estate Tips: Barry and Diane Evans's realty
library of real estate tips and advice on everything from preparing your home
for sale to negotiating with home buyers to escrow, closing costs, property
inspections, and mortgage brokers |
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Real Estate Trivia: Barry and Diane Evans's collection of real estate trivia questions
and answers that include real estate topics such as the most expensive home,
largest swimming pool, and more |
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Real Estate Dictionary: Complete real estate
dictionary and glossary of realty words you'll use when you list and sell your
Chattanooga, Hixson, Ooltewah and E. Brainerd property in Tennessee, including legal terms
definitions, and more |
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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 |
Which home is #1 on the Top 10 list for most-visited Historic Home in the United States?
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| A |
Graceland, the palatial home of Elvis Presley in Memphis, TN, attracts 600,000 visitors a year. |
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- NUMBER1EXPERTS™ 
