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If you wish to buy a home but consider yourself incapable of getting credit, you may be living in the past in terms of assessing your financial situation. Lenders have become more flexible in underwriting mortgage loans.

A recent survey of mortgage lenders revealed some interesting trends. Ninety-six percent of those surveyed had cut their standard down payment requirements for moderate-income buyers, and 93% said they are more lenient regarding debt-to-income-ratios. Ninety-four percent of those surveyed said they now have more flexible approaches to credit histories, and look at rent and utility payments more than credit cards. Seventy-nine percent of lenders say they have relaxed employment criteria. They now look more at your capacity to generate a stable flow of income rather than requiring a long history at one job.

There are more lenders today, and they are in fierce competition with each other. The home loan industry has created entire markets that cater to those with less-than-perfect credit.

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Jane M. Maslowski
Keller Williams
910 Harvest Lane
Blue Bell, PA 19422
Phone: 215-646-2900
Direct: 215-646-6607
Cell: 215-990-7706
Email: janemaslowski@NUMBER1EXPERT.com
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EMail: Jane@JaneMaslowski.com

Thank you for visiting my site! I am a seasoned full time associate broker who has been in this career field since 1988. I specialize in the marketing and sale of residential properties throughout southeastern PA and Delaware. My team's goal is provide quality service with quick response time with the result you desire.

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