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All agents are NOT alike! Find out why I am a top real estate expert. Call me: 804-794-2662.
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Get Free Presentation On My Home Marketing.
Before signing a contract with any Realtor, make sure you know EXACTLY how your home will be marketed.
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 Compare three mortgages at one time. Download TripleCalc now. It's free. |
Philip Hoffman is one of The Top
Selling Real Estate Experts™
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Buyers Want Your Home for As Little As Possible. Quickly Find Out What It's Really Worth, by Email, for
Free.
 Are you thinking of selling your Richmond home? You should know exactly what it's worth before making such an important decision. Let me do a quick "Comparative Market Analysis" for you, for free, and with no obligation. Also known as a CMA, this analysis compares your home to others that are currently on the market and to those that have recently sold. As a top Realtor, I determine the value of Richmond, Virginia area homes daily. Using the information you provide below, I can perform a quick market analysis, and give you a free estimate of what your home is worth in today's market. Remember, market conditions can be different, even one Richmond neighborhood to the next. I know how to take all these factors into account when determining the true market value of your home. This service is completely free and without obligation. There are absolutely no strings attached. Why? I want the chance to show you my expertise as a top Richmond real estate agent. Please provide me with some basic information on your home. I'll get back to you quickly...
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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 |
Originally incorporated under the name Georgiana, what is the oldest incorporated city in the United States?
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| A |
York, Maine, which received an English charter in March 1642, is the oldest incorporated city in the U.S. |
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