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

Cell:
423-280-0345
Toll Free: 888-474-9920
Office: 423-899-6898

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

Email: rsmith@aamonline.com

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

Home financing in Tennessee and Georgia.

Apply Here

Begin your Home Search here

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www.RichardSmithHomeLoans.com


Thank you for visiting. This is the professional blog for

Richard Smith
NMLS# 184479 TN# 104002 GA# 28928 

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

Rural Development ( USDA), and Jumbo Loans


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

Sierra Pacific Mortgage

Cell phone: 423-280-0345 Email: Richard.Smith@SPM1.com

Visit my website to inquiry about a home loan.

Read my most recent articles in Scotsman Guide.

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

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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