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Welcome > Resources > Special Offers > Special Offers ...

Special Offers From Me To You!

Just for you, I've assembled some Special Offers. Choose one or all!

Buyers Want Your Home for as Little as Possible.
Are you thinking of selling your home? You should know exactly what it's worth before making such an important decision.

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Find Out About the Latest Homes for Sale First!
I add my newest homes and other real estate listings to this web site first. It can be some time before they appear in the MLS.

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School Reports in Clifton, Passaic and Paterson, New Jersey

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Schools in Clifton, Passaic and Paterson

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	1992 marked the first year since before the Civil War that there were fewer than 2 million ________ in the United States?
A	There are fewer than 2 million farms, and agricultural land is still being carved up for residential and commercial uses.
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Nicholas Tselepis, REALTOR®, real estate agent and broker for Clifton, Passaic and Paterson, New Jersey home listings, property and land for sale - NUMBER1EXPERT(tm)

Nicholas Tselepis
Nicholas Real Estate
1624 Main Ave
Clifton, NJ. 07013
Phone: 973-340-1202
Fax: 973-340-9482
Email: nicholastselepis@NUMBER1EXPERT.com

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