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"Thanks to Cyndi, the entire process went smoothly from preparing the offer to going to closing, even though our situation was rather complicated."
~Doug and Carole Poole of Port Republic, MD
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Read What People Are Saying About Us We always ask our clients to write or email us, and tell us truthfully how they appreciated our services to them. Their feedback is so important! Here are a few highlights of what people are saying about us...
"Kudo’s to you, Cyndi! This is why you are so successful at what you do and we thank you."
~Brian and Andrea Daniels of Hughesville, MD
"Thanks to Cyndi, the entire process went smoothly from preparing the offer to going to closing, even though our situation was rather complicated."
~Doug and Carole Poole of Port Republic, MD
Do you have a story to tell about us? If you've worked with us in the past and we've helped you buy or sell a home, then we need your feedback. Others need your feedback, too! Please take a moment to fill out this form and tell us how we did... 
Financing Your Home >Mortgage Fears
It is not unusual for home buyers to feel that the lender is being very critical during the loan approval process. The buyer is required to provide all kinds of financial information, and then the lender asks for more. If this is your experience, and the process seems discouraging, remember that none of this is personal!
Some lenders have more stringent requirements than others, but every lender requires a substantial amount of documentation on a mortgage loan. They must verify employment, credit history, and recent financial transactions involving your liquid assets. If your Visa payment was late, they may ask for a letter explaining why. If you are self-employed, they will ask for tax returns from at least three years and probably a year-to-date profit and loss statement.
Government regulations require mortgage companies to document everything. And while the loan officer may know that you are a reliable risk, the underwriters must be able to defend the loan to a federal bank examiner or auditor.
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| Q |
What architectural detail made its way into the design of many suburban homes built in the 1950s, 60s and 70s?
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| A |
The picture window was a signature of the suburban American neighborhood. |
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Linda Beam's Dream Team
Home Towne Real Estate
111 East Chesapeake Beach Road
Owings, MD 20736
Office: 301-855-5882
Fax: 301-855-5882
DreamTeam@NUMBER1EXPERT.com
Specializing in investment properties, foreclosures, short sales, rehab loans, 1st time homebuyers, new construction, renovation, remodeling, and home staging.   
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