San Mateo, Half Moon Bay, El Granada and Moss Beach real estate and homes for sale in California - Kay Burns, REALTOR® Kay Burns REALTOR(r) for San Mateo, Half Moon Bay, El Granada and Moss Beach, California real estate - NUMBER1EXPERT™ Kay Burns NUMBER1EXPERT(tm) for San Mateo, Half Moon Bay, El Granada and Moss Beach, California real estate
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Kay Burns, REALTOR®, real estate agent and broker for San Mateo, Half Moon Bay, El Granada and Moss Beach California home listings, property and land for sale - NUMBER1EXPERT(tm)
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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 
What was the longest distance a building has ever been moved?

A 
Detroit's five-story Gem Theater, built in 1927, was moved 1,850 feet (5 blocks) to make way for two new sports stadiums.
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Kay Burns, REALTOR®, real estate agent and broker for San Mateo, Half Moon Bay, El Granada and Moss Beach California home listings, property and land for sale - NUMBER1EXPERT(tm)

Kay Burns
Dolphin Real Estate

1700 S. El Camino Real, Suite 200
San Mateo, CA, 94402
650-996-5217
Cell: 650-996-5217
650-712-7915
Fax: 650 638-1634
Email: kay@kayburns.com

Kay Burns has been an active licensed Real Estate Agent since 1989, specializing in San Mateo County properties on the Coastside. She has worked with The Prudential Cypress Coast, RE/MAX Independence, RE/MAX Arrow and currently serves RE/MAX Dolphin Real Estate.

CRS Equal Housing GRI MLS REALTOR


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