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Welcome - Get the best real estate listings & homes for sale, expert advice, local info, and much more from Peggy Elias, a proven Phoenix, Glendale and Surprise, Arizona NUMBER1EXPERT™ Top Selling real estate agent.
Find Phoenix, Glendale and Surprise Homes - Find Phoenix, Glendale and Surprise, Arizona real estate listings & homes for sale provided by Peggy Elias, your local expert real estate agent.
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School Reports in Phoenix, Glendale and Surprise, Arizona

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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	Nearly every state has a mandate for seller disclosure. What must a seller disclose?
A	The seller must disclose any existing problems, defects or conditions that could affect the value of the house.
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Peggy Elias, REALTOR®, real estate agent and broker for Phoenix, Glendale and SurpriseArizona home listings, property and land for sale - NUMBER1EXPERT(tm)

Peggy Elias
Real Living Property for You
7337 W. Bell Rd
Peoria
AZ, 85382
Direct: 602-670-8496
Office: 623-435-0447
Fax: 623-505-9959
Email: peggyelias@NUMBER1EXPERT.com
I value my clients highly and take great pride in offering top-quality real estate services with a commitment to excellence.
Service with integrity and a smile!
Our success is due to our team effort working together for a common goal - helping you achieve your goal.
Buying or selling your home is a big decision, and I know you have a choice of Realtors. I would like to be your Arizona real estate agent of choice. I want to be the Arizona Realtor who becomes your trusted advisor not just for now, but for the future also....Please call today so that together, we can determine your unique situation and home buying or selling needs. I want to help you to make your move happen smoothly and with the confidence and knowledge that you have a top Arizona agent working with you.
You will find you save both time and money by working with an agent with the experience to negotiate a great deal on your new home.

www.ArizonaPhoenixRealEstate.com is brought to you by Peggy Elias
NUMBER1EXPERT™ in real estate for Phoenix, Glendale and Surprise, Arizona, first time buyers, move up buyers

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