Saugatuck, Allegan County and Holland Michigan real estate listings, home buying, selling and relocation information

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Financing Your Home >Qualifying Guidelines

It may be difficult to qualify for a home mortgage loan. As a buyer, you may find the perfect home, but finding the perfect financing might become elusive. After you complete the application process, your lender may turn you down, which is an upsetting development for any prospective homebuyer. What can be done to remedy such a setback?

The answer depends on why you were turned down. If your income is too low to satisfy one mortgage company, there might be another company with more liberal qualifying guidelines. If you have had credit problems, some lenders may be more willing than others to help you clear them up in a manner that satisfies their underwriters. If your loan runs into problems, sit down with the loan officer and your real estate agent to investigate the possibility of using a different lender. The first company may be able to "assign" the package to a competitor, enabling you to use your same credit report and appraisal. You will need the cooperation of your sellers, too.

While loan rejections are disappointing, they can be resolved.

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Q	Where is the world's oldest castle located?
A	The castle at Gomdan, Yemon, dating from before A.D. 100, is considered the oldest castle; it originally had 20 stories.
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The Mill Pond Realty Team, REALTORŽ, real estate agents and broker for Saugatuck, Allegan County and Holland Michigan home listings, property and land for sale - NUMBER1EXPERT(tm)

Laura J. Durham GRI, CRS, CBA
Mill Pond Realty Inc.
747 Water Street
P.O. Box 1093
Saugatuck, MI. 49453
269-857-1477
616-836-0113
Fax: 269-857-6155
Email: millpondrealty@NUMBER1EXPERT.com
As the founder and owner of Mill Pond Realty, Laura Durham prides herself and company in offering award winning services. Smart Money Magazine, published by the Wall Street Journal, Business Week and Where to Retire, chose Mill Pond Realty and Laura Durham as The Best Choice when considering an investment in the greater Saugatuck-Douglas area. Laura has earned the designations of GRI, CRS and CBA. Currently, Laura is the Chairperson of the all important Grievance Committee a job she performs very well. Her community involvement has been extensive an active member of the Holland Chamber of Commerce, Saugatucks Sparkle Lighting Member, two local churches, a participating member of the Convention and Visitors Bureau, the Saugatuck area Business Association, past director for Heritage Home, Habitat for Humanity, Arts Councils, St. Jude Research Hospital, American Cancer Society, Special Olympics, Hospice and more. Laura is an accomplished Broker Licensed since 1982 ... Local experience and Knowledge make all the difference.

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