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FORGET THE TAX CREDIT - THIS IS REALLY GOING TO HURT YOUR BUYERS!

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Real Estate Agent with theJEMgroup.com (DRE #01373117)

Just when you thought it couldn’t get any harder to qualify for a home loan …

 

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James Malanowski, REALTOR, e-PRO - Bank-Owned / REO / Foreclosure Specialist in Palmdale, CAJames Malanowski is broker / owner (DRE #01373117) of J. Malanowski Real Estate Services in Palmdale, CA.  Specializing in the listing and sale of bank-owned / REO / foreclosure homes in the Palmdale, Lancaster, and Rosamond areas of the Antelope Valley (located in Northern Los Angeles County and Southern Kern County). 

James' brokerage also handles the listing and sale of other types of distressed property such as Short-sales, bankruptcy sales, probate / estate sales and divorce sales. They also provide end-to-end investor services including property management.

To reach James directly for more information please call (661) 285-5975 x101 or toll-free at (866) 217-9707 x101.  James can also be reached via e-mail at James@theJEMgroup.com

You can also view James' primary web site at theJEMgroup.com

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Lew Corcoran
Better Living Real Estate, LLC - East Bridgewater, MA
Real Estate Agent, Home Stager, & Photographer

James - Many lenders are already limiting buyers to a debt-to-income ratio of 41% on the back end. FHA limits it to 43% on the back end. Personally, I feel that even those ratios are too high. People getting into homes that they can't afford was part of the problem we're in. We do need to get back to a sense of responsibility.

But in any case, buyers take heed - the longer you wait, the harder it will be for you to qualify for a home.

Oct 30, 2009 10:29 AM
Barb Van Stensel
Chicago, IL

Change is happening and the clocks are turning back in financing like it was in the 60's. 

 

Oct 30, 2009 10:36 AM
James Malanowski
theJEMgroup.com (DRE #01373117) - Palmdale, CA
REO Broker, Palmdale, Lancaster, Rosamond, CA

Lewis:  Agreed.  Personal responsability has eluded many in these last few years.  I actually am glad that the guidelines are changing, but I felt it was necessary to share the info for those home buyers that may be borderline as it is.

Barb:  Yes, people may actually have to be able to afford something before they can buy it.

Oct 31, 2009 05:21 AM
Robert L. Brown
www.mrbrownsellsgr.com - Grand Rapids, MI
Grand Rapids Real Estate Bellabay Realty, West Mic

Hopefully people will be able to follow thi process. But with so much job loss i don't think it will happen.

Oct 31, 2009 05:58 AM
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