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The Novosad Team, LLC, REALTOR®, real estate agents and broker for Grand Rapids, Forest Hills, and East Grand Rapids Michigan home listings, property and land for sale - NUMBER1EXPERT(tm)
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"The Novosad Team stayed with us after the sale."
"Even after we closed on our home, Bob and List continued to stay in touch with us to make sure we were happy with our home."
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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 is considered the primary factor distinguishing buyers of prestigious properties from the average home buyer?

A 
Financing doesn't worry these buyers; they often put down 40 percent or more or pay cash for a property
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The Novosad Team, LLC, REALTOR®, real estate agents and broker for Grand Rapids, Forest Hills, and East Grand Rapids Michigan home listings, property and land for sale - NUMBER1EXPERT(tm)

The Novosad Team, LLC
Keller Williams Realty
630 Kenmoor SE, Suite #101
Grand Rapids, MI, 49546
616 575-0140
616 464-1712
Cell: 616 437-0200
Fax: 616.575.1801
lisanovosad@NUMBER1EXPERT.com

We are a team of dedicated Realtors with years of combined experience and over 325 satisfied clients in the Grand Rapids area. You can count on us for superior service, upfront answers and professional results. Selling your Home?---In this challenging market, selling requires a team effort and full-count press. We don’t make empty promises or use hocus-pocus to market your property. We just get the job done! Buying a Home?--This is as much an investment decision as it is a lifestyle choice. Let us help you find the perfect blend. Relocating? -- When a transfer to West Michigan beckons, have us scout the road ahead for you to make a smooth transition. We also can refer a Buyer’s Agent to help you find a home in your new venue out of state.

ABR CRS Equal Housing MLS REALTOR


Keller Williams Realty real estate and homes for sale in Grand Rapids, Forest Hills, and East Grand Rapids Michigan

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