Short Hills, Millburn, Summit and Chatham real estate and homes for sale in New Jersey, relocation, luxury properties - Howard Bunn and Cara Moxley, REALTORS® Howard Bunn and Cara Moxley REALTORS(r) for Short Hills, Chatham, Millburn and Summit, New Jersey real estate, relocation, luxury properties - NUMBER1EXPERTS™ Howard Bunn and Cara Moxley NUMBER1EXPERTS(tm) for Short Hills, Chatham, Millburn and Summit, New Jersey real estate, relocation, luxury properties
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Howard Bunn and Cara Moxley, REALTORŪ, real estate agents and broker for Short Hills, Chatham, Millburn and Summit New Jersey 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 oceanfront area is currently the most popular choice among people searching for second homes and vacation homes?

A 
According to statistic published early in 2005, the Florida coast is the most sought-after vacation and retirement destination in the United States.
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Howard Bunn and Cara Moxley, REALTORŪ, real estate agents and broker for Short Hills, Chatham, Millburn and Summit New Jersey home listings, property and land for sale - NUMBER1EXPERT(tm)

Howard Bunn & Cara Moxley
Keller Williams Realty Premier Properties

488 Springfield Avenue
Summit, NJ 07901
Howard Mobile: 973-207-5398
Cara Mobile: 973-479-4488
Fax: 973-376-1088
Office: 973-376-0033, Ext. 120
Email: Cara@BunnMoxleyHomes.com
Email: Howard@BunnMoxleyHomes.com

Whether you are buying, selling, or renting a property, Howard Bunn & Cara Moxley utilize the latest information technologies, market research, and business strategies to exceed all of your expectations. Put our knowledge and experience to work for you and we will find a real estate solution that is right for you. Both Bunn & Moxley are top-producing agents, lifelong area residents, parents of children in the local schools, active in the community and have teamed up to deliver outstanding coverage and service.

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