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For Home Buyers:

Why Buyers Choose Team Zebrowski's - Why homebuyers looking for a real estate agents in the Springfield and Eugene area choose Team Zebrowski's.
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Mortgage Prequalification - Pre-qualify for a mortgage or loan for your Springfield and Eugene house or other real estate or property.
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School Reports in Springfield and Eugene, Oregon

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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 kind of home construction is considered to be the safest in seismic areas?
A	Straw-bale homes in seismic zones have proven resilient enough to withstand the shock of earthquakes.
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Team Zebrowski's, REALTOR®, real estate agents and broker for Springfield and Eugene Oregon home listings, property and land for sale - NUMBER1EXPERT(tm)

Team Zebrowski
Prudential Real Estate Professionals
497 Oak Way Suite 400
Eugene, OR 97401
Phone: 541-485-9956
Fax: 541-685-9467
TeamZebrowski@NUMBER1EXPERT.com

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