Omaha, Bellevue and Papillion real estate and homes for sale in Nebraska - The Hayton / Lytle Team, REALTOR® The Hayton / Lytle Team REALTOR(r) for Omaha, Bellevue and Papillion, Nebraska real estate - NUMBER1EXPERT™ The Hayton / Lytle Team NUMBER1EXPERT(tm) for Omaha, Bellevue and Papillion, Nebraska real estate
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The Hayton / Lytle Team, REALTOR®, real estate agent and broker for Omaha, Bellevue and Papillion Nebraska home listings, property and land for sale - NUMBER1EXPERT(tm)
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*** 2009 *** SOLD! Over 14 million in residential sales *** Hayton/Lytle Team CBSHOME 402-697-4463


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Real Estate Tips
Financing Your Home >Lenders Want to Say Yes

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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Real Estate Trivia
Q 
To what process do the terms closing, escrow, settlement and passing papers refer?

A 
These terms, which vary in different parts of the country, describe the conclusion of a real estate sale.
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The Hayton / Lytle Team, REALTOR®, real estate agent and broker for Omaha, Bellevue and Papillion Nebraska home listings, property and land for sale - NUMBER1EXPERT(tm)

The Hayton / Lytle Team
CBSHome Real Estate

11511 South 42nd Street
Bellevue, Nebraska 68123
Tel: 402-697-4463
Tel: 402-639-6363
Fax: 402-697-4445
Email: lindahayton@NUMBER1EXPERT.com
Email: linda.hayton@cbshome.com

We Make House Calls...That Sell HOMES! SOLD Over $14 million in residential real estate 2009! 40+ years combined experience selling homes! Omaha, Bellevue, Papillion, Plattsmouth, Council Bluffs & Surrounding Certified Residential Specialist (CRS), Graduate Real Estate Institute (GRI), Accredited Buyer’s Representative (ABR), Certified New Home Sales Professional (CSP), and Cendant Mobility Referral Specialist (CMRS)

ABR CRS Equal Housing GRI MLS REALTOR wcr


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