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Request my Free Ann Arbor, Ypsilanti and Chelsea Relocation Package. It's packed full of useful and important information about the Ann Arbor, Ypsilanti and Chelsea, Michigan area. Don't move here without it!

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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 are the financial benefits of having a home near a body of water?
A	The mere presence of water within 300 feet increases a home's value by 22 percent.
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Linda Lombardini, REALTORŽ, real estate agent and broker for Ann Arbor, Ypsilanti and Chelsea, Michigan home listings, property and land for sale

Linda Lombardini
Trillium Real Estate
323 Braun Court
Ann Arbor, MI 48104
Office: 734-302-3011
Fax: 734-302-3099
Mobile: 734-216-6415
Text Me: 734-216-6415
Email: Linda@TrilliumRealtors.com
Call or text Linda at 734-216-6415. Linda Lombardini, a RealtorŽ since 1991, focuses always on counseling her clients so they may make sound real estate decisions. She is known throughout the Ann Arbor market for the high level of integrity that she brings to her real estate practice. Linda will be serving as President of the Ann Arbor Area Board of RealtorsŽ in 2012. She is also a member of the board's Professional Standards Committees and has served on numerous nonprofit boards and City of Ann Arbor task forces. Lindas expertise is in helping people buy and sell residential real estate, including homes, condos, new construction and vacant land in Washtenaw County and surrounding areas, including Ann Arbor, Chelsea, Dexter, Grass Lake, Milan, Pinckney, Saline, Whitmore Lake and Ypsilanti.

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