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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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Michael Flegel, P.A.'s
Homes to go Team
Keller Williams Realty Partners SW
2000 NW 150th Ave, Suite 2000
Pembroke Pines, FL. 33028
Phone: 954-805-3000
Fax: 1-866-905-5763
Email: homestogo@NUMBER1EXPERT.com
Michael's Email: michael@homestogoteam.com

The Homes to go Team of Keller Williams Realty Partners SW is a team of real estate consultants dedicated to making your real estate experience positive, painless and profitable. The Homes to go Team services Pembroke Pines ( a suburb of Fort Lauderdale and Miami) and the surrounding communities in Broward County of South Florida. Founders David Dangler and Michael Flegel, P.A. have drawn on their past experience in real estate, customer service and marketing to develop a team concept approach focused on achieving your real estate goals. Michael as Team Leader brings a strong background in service from the retail and restaurant industries as well as interior design experience. To assist homeowners in today's challenging market, Michael has obtained the "Certified Distressed Property Expert" certification. This heralds his training in the latest facets of the Short Sale options facing many sellers today. David represents his family’s third generation in real estate and with his decades of marketing and design experience, provides a fresh approach as Marketing Director. Together they have assembled a team of agents with one goal – your success! "Thank you for remembering the Homes to go Team the next time you hear of someone thinking about buying or selling a home."

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