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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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Jodi MacHardy's Team
Coldwell Banker United Realtors
13376 Research Blvd., Suite 120
Austin, TX. 78750
Toll Free: 888-763-0343
Cell: 512-496-4663
Fax: 254-526-0375
Email: jodimachardy@NUMBER1EXPERT.com

I have been a real estate agent in Central Texas for over 15 years. Ever since I was featured on the cover of Real Estate Magazine at the age of 29 I have been committed to providing my customers with the best customer service available and a no-holds barred approach towards getting my clients the best deal possible. I work hard so you don't have to!!! Some of my achievements include: Being recognized by Texas Real Estate Magazine as the most successful Realtor under 30, have consistently been a member of the multi-million dollar club, associated with the USAA Mover's Advantage Team, listed as one of the Dell Corporation's recommended Realtor's and more... I am an experienced real estate agent with over 15 years. If you hire me as your real estate agent you will not be disappointed! I will assist you with all inspections for your home, compare prices of homes that have recently sold in your area to make sure your buying or selling your home at a good price, and helping you with the mortage end to make sure you get the best interest rate, all the way to closing on your home.Call Jodi MacHardy for all your real estate needs! I can be reached at : 512-496-4663 and toll free 888-763-0343 or email me at jodilin@earthlink.net . I look forward to hearing from you

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