San Antonio, Alamo Heights and Boerne Texas real estate listings, home buying, selling and relocation information

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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	Where is the world's largest mud building?
A	The Grand Mosque in west Africa measures 328 feet long and 131 feet wide, and has been carefully maintained for centuries by local craftsmen, especially during the rainy season.
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Yvonne Mauro, REALTORŽ, real estate agent and broker for San Antonio, Alamo Heights and Boerne Texas home listings, property and land for sale - NUMBER1EXPERT(tm)

Yvonne Mauro
Phyllis Browning Co.
14855 Blanco Road, Suite 403
San Antonio, TX. 78216
Direct Line: 210-408-4032
Phone: 210-408-2500 Ext. 247
Toll Free: 800-929-3049
Fax: 210-408-2525
Email: yvonnemauro@NUMBER1EXPERT.com
Yvonne, a native of San Antonio, ranks among the top producer circles of the San Antonio area while continuing to provide the very best in personal service. She has received recognition for excellence from The Phyllis Browning Co. for both sales and service. She has been honored by being named a Texas Super Real Estate Agent. Yvonne is a member of the National Assoc. of Realtors, Texas Assoc. of Realtors and San Antonio Board of Realtors. In continuing her education she has obtained her GRI (Graduate of Real Estate Institute), CRS (Certified Residential Specialist) ABR, (Authorized Buyer's Representative) and most recently become a Certified Luxury Homes Marketing Specialist (CLHMS). She has also taken courses in New Home construction to be familiar with all aspects of resale and new homes. The Phyllis Browning Co. is a locally owned and fully independent firm with a first rate Relocation dept. It is a company dedicated to serving the buyers and sellers of high-quality real estate in the San Antonio and surrounding areas with a mission statement to be the very best.

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