Lawrenceville, Snellville, Grayson and Loganville real estate and homes for sale in Georgia, Buyer Agency, Residential Resales, and New Construction - Richard and Debra Moon, REALTORS® Richard and Debra Moon REALTORS(r) for Lawrenceville, Snellville, Grayson and Loganville, Georgia real estate, Buyer Agency, Residential Resales, and New Construction - NUMBER1EXPERTS™ Richard and Debra Moon NUMBER1EXPERTS(tm) for Lawrenceville, Snellville, Grayson and Loganville, Georgia real estate, Buyer Agency, Residential Resales, and New Construction

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Richard and Debra Moon, REALTORŪ, real estate agents and broker for Lawrenceville, Snellville, Grayson and Loganville Georgia home listings, property and land for sale - NUMBER1EXPERT(tm)
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Real Estate Tips
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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Real Estate Trivia
Q 
What are considered the ideal conditions for a buyer's market?

A 
In a buyer's market, there are more houses for sale than buyers, homes take longer to sell, and sellers may have to cut prices.
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Richard and Debra Moon, REALTORŪ, real estate agents and broker for Lawrenceville, Snellville, Grayson and Loganville Georgia home listings, property and land for sale - NUMBER1EXPERT(tm)

Richard and Debra Moon
RE/MAX Greater Atlanta
1637 Athens Highway
Grayson, GA. 30017
Direct: 1-866-596-8421
Fax: 678-301-4255
Richard: Ext. 111
Debra: Ext. 112
Email: info@richardmoonrealestate.com

"Simply the Best, From Our Family To Yours, Since 1979" Providing a superior level of informed, professional real estate services to buyers and sellers in the greater Northeast Atlanta area for over 27 years. We specialize in representing our clients in the purchases and sales of single-family residences and income property within the cities of Lawrenceville, Snellville, Dacula, Lilburn, Conyers, Gainesville, Flowery Branch, Duluth, Loganville, Buford, Suwanee, Cumming, Monroe, Auburn, Winder, and Athens (including the Counties of Gwinnett, Hall, Forsyth, Barrow, Walton, Rockdale, Clark, and Oconee). We keep current of all transactions in these areas, and we're also very knowledgeable with the local schools.This is a family affair, a full time husband and wife team. Let our Top Producing Team demonstrate our excellence to you. Enjoy the journey of the American Dream - owning your own home. Call or e-mail today for more information.

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