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Welcome > For Buyers > Latest Listings ...

Find Out About the Latest El Paso and Santa Teresa Area Homes for Sale Before Anyone Else!

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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	What is the role of the U.S. Housing Authority?
A	Created in 1937 by FDR, the U.S. Housing Authority provides construction loans to small communities and states.
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Dan Olivas & Associates, REALTOR®, real estate agent and broker for El Paso, TX and Santa Teresa, NM, Texas home listings, property and land for sale - NUMBER1EXPERT(tm)

Dan & Patti Olivas
Dan Olivas & Associates
240 Thunderbird, Suite D
El Paso, TX 79912
Office: 915-584-5430
Fax: 915-584-1971
Cell: 915-241-0087
dpolivas@swbell.net
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