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Ask Anything: Shreveport and Bossier Louisiana home buying, real estate listings, and homes for sale in Caddo Parish, LA

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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 is the largest city square in the world?
A	Located in Beijing, China, Tianamen Square, called the "Gate of Heavenly Peace", covers 98 acres.
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Clara Welbourne, REALTOR�, real estate agent and broker for Shreveport and Bossier Louisiana home listings, property and land for sale - NUMBER1EXPERT(tm)

Clara Welbourne
RE/MAX Executive Realty
6101 Youree Dr.
Shreveport, LA. 71105
Phone 1: 318-868-1868
Phone 2: 318-213-7119
Fax: 318-213-7119

Email: clara@shreveporthouses.com
Clara Welbourne has been a TOP SELLING and LISTING Realtor in the Shreveport-Bossier Area for the past 10 years. Shreveport Real Estate Blog | Young Buyer in Shreveport | Ownership Advice in Shreveport | Confidence and Experience in Shreveport | A REALTOR Can Help in Shreveport | Find your Dream in Shreveport | Your Wish List in Shreveport | House Search in Shreveport | Real Estate Ads in Shreveport | Approval Letters in Shreveport | Home Hunt in Shreveport | Home Selection in Shreveport | Comparison Shopping in Shreveport | Homes In Shreveport | Homes For Sale In Shreveport | RealEstate Shreveport | New Homes In Shreveport | Property In Shreveport | Homes For Sale Shreveport | RealEstate For SaleShreveport | For Sale In Shreveport | Realtors In Shreveport | Shreveport MLS | Shreveport Listings | Shreveport Property | Shreveport Home Values | Shreveport Appraisal | Shreveport Home Inspection | Shreveport Interest Rates | Shreveport RealEstate | Shreveport Real Estate | Shreveport IDX | Shreveport Residential Real Estate | Shreveport Real Estate Listing | Shreveport Real Estate Agent | Shreveport Area Real Estate | Shreveport Realty | Shreveport Real Estate Market | Shreveport Virtual Tours | Shreveport Luxury Real Estate-Re/Max

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