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3🛏️ 2🛁 🏡

💲205,000

Located close to shopping, restaurants, and downtown Punta Gorda; this Charlotte Park home is a great starter/second home. As soon as you walk in you are greeted with tile throughout, freshly painted interior and exterior, granite countertops, and stainless steel appliances; making this home ready for its next owner. Equipped with a split floor plan and paired nicely with the open feel concept, this home gives you access to everyone/everything as you entertain. The master bedroom is equipped with both a walk-in closet, and its own master bathroom with a walk-in shower. The laundry room has both washer/dryer hookups and a mud sink. With newer homes being built in the area, Charlotte Park is becoming the new go to location. Schedule your showing today!

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Boom! #undercontract #realestate #realtor #simplicity #sassos #orlandorealtor #orlandorealestate #realestateagent #realestateorlando
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Simplifying the Market™

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When buying a home today, why is there so much paperwork mandated by the lenders for a mortgage loan application? It seems like they need to know everything about you. Furthermore, it requires three separate sources to validate each and every entry on the application form. Many buyers are being told by friends and family that the process was a hundred times easier when they bought their home ten to twenty years ago.

There are two very good reasons that the loan process is much more onerous on today’s buyer than perhaps any other time in history.

1. The government has set new guidelines that now demand that the bank proves beyond any doubt that you are indeed capable of paying the mortgage.

During the run-up to the housing crisis, many people ‘qualified’ for mortgages that they could never pay back. This led to millions of families losing their home. The government wants to make sure this can’t happen again.

2. The banks don’t want to be in the real estate business.

Over the last several years, banks were forced to take on the responsibility of liquidating millions of foreclosures and negotiating an additional million plus short sales. Just like the government, they don’t want more foreclosures. For that reason, they have to double (maybe even triple) check everything on the application.

However, there is some good news in this situation.

The housing crash that mandated that banks be extremely strict on paperwork requirements also allowed you to get a low mortgage interest rate.

The friends and family who bought homes ten or twenty years ago experienced a simpler mortgage application process, but also paid a higher interest rate (the average 30-year fixed rate mortgage was 8.12% in the 1990s and 6.29% in the 2000s).

If you went to the bank and offered to pay 7% instead of around 4%, they would probably bend over backward to make the process much easier.

Bottom Line

Instead of concentrating on the additional paperwork required, let’s be thankful that we are able to buy a home at historically low rates.

Content previously posted on Keeping Current Matters

Who do you know that is thinking of selling their home?
They can get the free SOLD Seller’s Guide delivered in the mail
– request it at: https://tnrealestatelistings.com/sellers
Who do you know who is looking to buying a home?
They can get the free Buyer’s Guide at: https://tnrealestatelistings.com/buyers
Sharing is caring 😉
***
Renee Harrington
Realtor (Since 2003)
Buyer’s Agent (♥ 1st Time Home Buyers), Relocation, Listing Agent, New Construction.
As an agent at Cope & Associates Realty and Auction, LLC 615-384-7500
Renee offers old fashioned customer service, using leading edge technology.
Call me! I’m at your service!! 615-943-7384 Cell
***
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Growing home sales 3D illustration – real estate market
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Houses in a village, Ring Of Kerry, County Kerry, Republic of Ireland
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beautiful country home
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contemporary american house, recently constructed
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contemporary american house, recently constructed
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contemporary american house, recently constructed
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Why Is So Much Paperwork Required to Get a Mortgage? Simplifying the Market™ When buying a home today, why is there so much paperwork mandated by the lenders for a mortgage loan application?
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LIVE with distinction at The Marina Grande on the Halifax…This lushly landscaped gated community at the Marina Grande with its architectural modern design is ideally located to offer you the most panoramic views of the Halifax River and the Atlantic Ocean . The spacious balcony provide the perfect spot for having your morning coffee or late night glass of wine. This condominium home features amazing views. The Master-Bedroom has Custom Closets and so much more. Located on the 12th floor unit 1209-2 $305,000. Liz Spiletic 386.679.8655 Urbanista Realty #balconyview #balcony #resortliving #daytonabeach #liveloveplay #relocating #floridalifestyle #investmentproperty #snowbird #ohio #resortstyleliving #intercostal. #realtor #florida #newyork #california #balconyviews #denver #sunsets #realtorlife #beautifulsunset #boatlife #bridges #paintedsky #serenity #marinaviews #serenity #resortstyleliving #liveloveplay #condoforsale #photographer #photooftheday #interiordesign (at Urbanista Realty)
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