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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 five basic components of a "smart home" can be controlled by technology?
A	Lighting and window treatments, security and access control, data communication, environmental/energy management, and audio/video entertainment can all be operated by a "smart home".
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The Albrecht Team, REALTORŽ, real estate agents and broker for Indianapolis, Carmel and Geist Indiana home listings, property and land for sale - NUMBER1EXPERT(tm)

The Albrecht Team
RE/MAX Real Estate Groups
8555 North River Road, Suite 100
Indianapolis, IN. 46240
Direct: 317-819-3388
Toll Free: 800-876-1596
Fax: 317-819-3366
Email: team@keithshomes.com
Thank you for visiting my site. I look forward to the opportunity to help you buy or sell a home in the Indianapolis area. I have a full team of experienced professionals on hand to help you. We can uniquely offer: ˇ The ability to work with RE/MAX's #1 Sales Volume Agent in the State of Indiana for 1999, 2000, 2001, 2002, 2003, 2004, 2005 & 2006! ˇ FREE use of the Albrecht Team Van ˇ FREE money savings reports you can access via this web site ˇ FREE market analysis of your home ˇ A Client Care Manager, Marketing Director, Buyer Specialists and Closing Coordinator- all dedicated to providing you superior service ˇ I will guarantee the sale of your home, or I will buy it! Please take a few moments to navigate this site. Search the listings and take advantage of our free reports. If you see something you like, please call or e-mail me. I look forward to working with you in the sale or purchase of your next home.

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