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About the Downingtown, Pennsylvania Area 

Request our Free West Chester, Downingtown and Exton Relocation Package. It's packed full of useful and important information about the West Chester, Downingtown and Exton, Pennsylvania area. Don't move here without it! Remember: we'll send it to you for free and without obligation. Just fill out the form and we will send it right out... 

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Real Estate Tips
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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Real Estate Trivia
Q 
What kind of home construction is considered to be the safest in seismic areas?

A 
Straw-bale homes in seismic zones have proven resilient enough to withstand the shock of earthquakes.
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Sunita Noronha, REALTOR®, real estate agent and broker for West Chester, Downingtown and Exton, Pennsylvania home listings, property and land for sale - NUMBER1EXPERT

Sunita Noronha
RE/MAX Main Line

1646 West Chester Pike, Suite 2
West Chester, PA 19382
Sunita Cell: 484-744-3812
Fax: 610-429-9888
Office Phone: 610-692-2228
sunitanoronha@NUMBER1EXPERT.com

For the most comprehensive support for your home buying and selling needs, contact Sunita Noronha


Sunita: RE Lic.# RS 177545L

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