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For Home Buyers:

Why Buyers Choose Cindy Poole - Why homebuyers looking for a real estate agents in the Raleigh, Cary and Wake Forest area choose Cindy Poole.
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Mortgage Prequalification - Pre-qualify for a mortgage or loan for your Raleigh, Cary and Wake Forest house or other real estate or property.
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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 was a sure way to accumulate wealth through the 1970s and early 1980s?
A	Many people made their fortunes in real estate during this period.
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Cindy Poole, REALTOR®, real estate agents and broker for Raleigh, Cary and Wake Forest North Carolina home listings, property and land for sale - NUMBER1EXPERT(tm)

Cindy Poole
York Simpson Underwood
226 Fayetteville Street
Raleigh, NC 27601
Phone: 866-912-6980
800 944 7356
919 457 8181 (cell)
866-491-8224 (fax)
Email: Cindy@CindyPoole.com
Quality Time Quality Service. This means service over and beyond the norm. Education is important to me to constantly be learning new ways to offer first class service to my clients. Specific training includes the StarPower Listing University, the SRES designation (working with the 50+ age group) the RSPS (Resort and Second-home Property Specialist) and e-PRO (the latest and greatest technology). GRI (Graduate Realtor Institute) and CRS (Certified Residential Specialist) include numerous and intense classes on a variety of subjects relating to real estate.

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