Clear Lake, Mason City and North Iowa real estate and homes for sale in Iowa, vacation homes and lakefront homes - Julie McQuaid, REALTOR® Julie McQuaid REALTOR(r) for Clear Lake, Mason City and North Iowa, Iowa real estate, vacation homes and lakefront homes - NUMBER1EXPERT™ Julie McQuaid NUMBER1EXPERT(tm) for Clear Lake, Mason City and North Iowa, Iowa real estate, vacation homes and lakefront homes
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Julie McQuaid, REALTORŪ, real estate agent and broker for Clear Lake, Mason City and North Iowa Iowa 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 
Where is the world's tallest apartment block?

A 
The 100-story John Hancock Center in Chicago, Illinois is 1,127 feet high; floors 44 through 92 are residential.
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Julie McQuaid, REALTORŪ, real estate agent and broker for Clear Lake, Mason City and North Iowa Iowa home listings, property and land for sale - NUMBER1EXPERT(tm)

Julie McQuaid, CRS, GRI, SRES
McQuaid Agency

415 1st Ave. S.
P.O. Box 902
Clear Lake, IA 50428
Office / Voice Mail: 641-357-3330 ext. 2222
Fax: 641-357-2333
juliemcquaid@NUMBER1EXPERT.com

My personal motto is "Expect the Best!" and that's just what I give you. I have been in the real estate business since 1984. My clients consistently refer me to their friends and families because I have proven to be responsive and engaged. I bring all my energy and commitment to your service.

My exceptional professional training, meticulous attention to detail, and comprehensive knowledge of the market in this area guarantees that you will get the best possible outcome on your real estate transaction. This is a wonderful place to live and I look forward to working with you. Please e-mail me or call my office today!

CRS GRI SRES MLS Equal Housing


McQuaid Agency real estate and homes for sale in Clear Lake, Mason City and North Iowa Iowa

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