La Crescenta and La Canada real estate and homes for sale in California - Janet Ames, REALTOR® Janet Ames REALTOR(r) for La Crescenta and La Canada, California real estate - NUMBER1EXPERT™ Janet Ames NUMBER1EXPERT(tm) for La Crescenta and La Canada, California real estate
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Janet Ames, REALTORŪ, real estate agent and broker for La Crescenta and La Canada California home listings, property and land for sale - NUMBER1EXPERT(tm)
All agents are NOT alike! Find out what makes me a top real estate expert. Call me at: 818-248-3669 X217.


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"We were so impressed when Janet called us."
"Thank you for your dedication and understanding we love our home."
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Real Estate - Homes - NUMBER1EXPERTS Sell More!
Janet Ames is one of The Top Selling Real Estate Experts™
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From My Affiliates: La Crescenta and La Canada California home buying, real estate listings, and homes for sale in Los Angeles                    County, CA
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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 
What has been described as the world's most beautiful building?

A 
The white marble Taj Mahal in India was built by the Mogul emperor Shah Jahan (1631-53) to enshrine his favorite wife.
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Janet Ames, REALTORŪ, real estate agent and broker for La Crescenta and La Canada California home listings, property and land for sale - NUMBER1EXPERT(tm)

Janet Ames
Ellis Realty

3156 Foothill Blvd
La Crescenta
CA 91214
Office: 818-248-3669 X217
Direct: 818-248-4112
Fax:: 818-248-4510
janet-ames@msn.com

Trust Janet Ames to protect your real estate needs. Her goal is for her clients Happiness. Janet's expertise distinguishes her among the top realtors in her area. She goes the extra mile to help you find your dream home. Contact Janet today!

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