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Moving your family to another town or state is a major event in your life! I have helped many families and individuals relocate!
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"Diane has always been there for us!"
"Diane’s experience and knowledge of the local real estate market ensured that we received the best advice.."
Don & Cynthia K.
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Diane Rapel-Zierak is one of The Top Selling Real Estate Experts™
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"You went above and beyond for us..."
"Words can not express how grateful we feel for your help. We know how hard you worked to find us a home and we truly appreciate it. There were plenty of times you went above and beyond for us. We just wanted you to know we will always be grateful."
Linda & Don M.
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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 |
Where would you go if you wished to stay in the world's most expensive hotel room?
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| A |
The Imperial Suite at the President Wilson Hotel in Geneva, Switzerland, which can be reserved for $33,000 per night. |
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