Richard's Real Estate Thoughts - Chattanooga TN Mortgage Lender

Buyer to loan officer, " I don't want to waste my time."

Home loan application and approvalThe question is, "If I take time to apply, will I be approved."

The anwer is if you do not take time to apply, you will most certainly not be approved.

Buying a home is emotional.

Applying for a home loan is emotional.

Good mortgage loan officers understand this, but if you, the buyer, do not provide the necessary information and take the time to make full application, your loan officer cannot give you an approval, or at least a preapproval that will stand up.

Loan approval requirements are getting more stringent. If your preapproval is to be any good at all, the details discovered at application matter.

And if you are not qualified at present, your loan officer, if they are good, can explain what is needed for you to become qualified and how long that might be expected to take.

In Chattanooga you have many options for down payment assistance, with CNE and THDA programs. Credit and income issues may take more time, but executing the right plan with correct information can overcome most problems.

The time is worth it for me to invest in you.

Is the time worth it for you to invest in your new home?

Richard Smith
NMLS 184479

Toll Free: 888-474-9920
Office: 423-899-6898

American Acceptance Mortgage, Inc
NMLS 132505, TN/GA Licensee


FHA, VA, Rural Development, Conventional, Jumbo,
Reverse Mortgages, FHA 203k Renovation

Home financing in Tennessee and Georgia.

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Richard Smith
NMLS# 184479 TN# 104002 Georgia Residential Mortgage Licensee, GA#28928 

Conventional, FHA, FHA 203k, HUD $100 down purchases, VA,

Rural Development (USDA), THDA and Jumbo Loans

Lending in Chattanooga, Tennessee and Georgia for over 20 years.

Fairway Independent Morgage Company

Cell phone: 423-280-0345 Email:

Visit my website to inquiry about a home loan.

This blog represents the opinions of Richard Smith. The posts and comments written on the blog do not represent the opinions or positions of Fairway Independent Mortgage Corporation.

Comment balloon 4 commentsRichard Smith • July 06 2010 05:55PM
Buyer to loan officer, " I don't want to waste my time. "
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