Larkspur, Castle Rock and Douglas County colorado real estate listings, home buying, selling and relocation information

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For Buyers: Larkspur, Castle Rock and Douglas County colorado home buying, real estate listings, and homes for sale in Douglas County, CO

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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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Q	What does the term Curb Appeal mean?
A	This term describes how homes look from the street; this first impression is very important to prospective homebuyers.
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Larkspur, Castle Rock and Douglas County real estate and homes for sale in Colorado, acreage, custom homes - Dave Gardner's ''Results'' Team with Keller Williams Real Estate, LLC., REALTORS® - NUMBER1EXPERTS™

Dave Gardner's "Results" Team
Keller Williams Real Estate, LLC.
140 South Wilcox St., #A
Castle Rock, CO 80104
Phone: 303-681-1000
Direct: 303-888-2238
Fax: 303-688-8320
Email: dave@secretproperties.com
Dave Gardner is a Broker Associate of Keller Williams Real Estate, LLC. and has been a licensed Realtor in Colorado since May 1986. Dave is both a GRI (Graduate of Realtors Institute) and a CRS (Certified Residential Specialist), national real estate designations. Having sold over 1,500 properties in his career, Dave brings a huge amount of knowledge and experience to any real estate transaction. Dave's office is located in Larkspur, just off I-25 in south Douglas County. Dave handles real estate transactions in the following counties: Douglas, El Paso, Denver, Arapahoe and Jefferson. Dave has 3 full time assistants to insure his real estate transactions receive plenty of hands-on attention and service.

www.SecretProperties.com is brought to you by Dave Gardner's ''Results'' Team with Keller Williams Real Estate, LLC., REALTORS® - NUMBER1EXPERTS™

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