Sitemap: Expert Local Information for Baton Rouge, East Baton Rouge and Ascension Parish, Louisiana Provided by The Bonnie Ferrell Team

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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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Q	Where would you go to visit the largest ancient castle in the world?
A	You would travel to Prague, Czech Republic, to see the Prague Castle, built in the 9th century, with a total surface area of 18 acres.
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The Bonnie Ferrell Team, REALTORŽ, real estate agents and broker for East Baton Rouge and Ascension Parish Louisiana home listings, property and land for sale - NUMBER1EXPERT(tm)

The Bonnie Ferrell Team
Bonnie Ferrell & Company, Inc.
P.O. Box 66714
Baton Rouge, LA. 70896
Phone: 225-926-7127
Fax: 225-924-0609
Email: bonnieferrellhomes@NUMBER1EXPERT.com
I realize that buying and selling a home is one of the most crucial financial transactions of your life. In what can be a confusing and sometimes difficult process, it pays to leave as little to chance as you can. With my help, you can navigate unknown territory with ease. To fill the specific residential needs of home buyers and sellers, the Residential Sales Council of the National Association of REALTORS institutes a class of expert real estate professionals: the Certified Residential Specialists (CRS). Fewer than 3% of all Realtors have earned the right to be called a "CRS". Fewer than 3% have developed special residential sales skills and enhanced their residential sales knowledge through education, dedication and experience. At Bonnie Ferrell & Co., Inc., I am proud of the fact that I have earned the CRS designation, and therefore have the knowledge and experience to assist you through the entire home buying process. Additionally I am also a licensed residential and commercial contractor. I have been actively building new homes since 1996. I invite you to put my vast skills and knowledge to work for you.

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NUMBER1EXPERTS™ for East Baton Rouge real estate LA and Ascension Parish real estate, Louisiana

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