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The Pat Hensley Group has Over 20 Years Experience in the Triangle Real Estate Market. Let us Help You Buy or Sell Your Next Home...
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Get Free Presentation On Our Home Marketing. Before signing a contract with any real estate agent, make sure you know EXACTLY how your home will be marketed. Find Out More > View All Offers >
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Raleigh'>http://www.weather.com/weather/local/27606">Raleigh Weather
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Buyers Want Your Home for As Little As Possible. Quickly Find Out What It's Really Worth, by Email, for Free. Let us do a quick "Market Evaluation" for you, for FREE, and with No Obligation. Also known as a CMA, this analysis compares your home to others that are currently on the market and to those that have recently sold. Please provide us with some basic information on your home. What's your home or property really worth? Accurately pricing Raleigh, Cary and Triangle area Real estate is my job! Let us do a market analysis for YOUR property. There's no obligation, it's FREE, and we promise to get back to you quickly... 
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Financing Your Home >Mortgage Fears
It is not unusual for home buyers to feel that the lender is being very critical during the loan approval process. The buyer is required to provide all kinds of financial information, and then the lender asks for more. If this is your experience, and the process seems discouraging, remember that none of this is personal!
Some lenders have more stringent requirements than others, but every lender requires a substantial amount of documentation on a mortgage loan. They must verify employment, credit history, and recent financial transactions involving your liquid assets. If your Visa payment was late, they may ask for a letter explaining why. If you are self-employed, they will ask for tax returns from at least three years and probably a year-to-date profit and loss statement.
Government regulations require mortgage companies to document everything. And while the loan officer may know that you are a reliable risk, the underwriters must be able to defend the loan to a federal bank examiner or auditor.
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