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  • Welcome - Get the best real estate listings & homes for sale, expert advice, local info, and much more from Al Hamilton, a proven Shelter Cove, Humboldt County and Lost Coast, Northern California, California NUMBER1EXPERT™ Top Selling real estate agent.

  • Find Shelter Cove, Humboldt County and Lost Coast, Northern California Homes - Find Shelter Cove, Humboldt County and Lost Coast, Northern California, California real estate listings & homes for sale provided by Al Hamilton, your local expert real estate agent. Ocean View Properties, Land.

  • For Home Buyers - Get home buying information, the latest listings, mortgage informaiton, expert advice, and much more from Al Hamilton, a proven Shelter Cove, Humboldt County and Lost Coast, Northern California, California NUMBER1EXPERT™ Top Selling real estate agent.

  • For Home Sellers - Get home selling information, fsbo information, expert advice, find out what your home and other homes in your neighborhood are selling for, and much more from Al Hamilton, a proven Shelter Cove, Humboldt County and Lost Coast, Northern California, California NUMBER1EXPERT™ Top Selling real estate agent.

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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 are considered the ideal conditions for a buyer's market?

A 
In a buyer's market, there are more houses for sale than buyers, homes take longer to sell, and sellers may have to cut prices.
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Al Hamilton, REALTOR®, real estate agent and broker for Shelter Cove, Humboldt County and Lost Coast, Northern California, California home listings, property and land for sale - NUMBER1EXPERT(tm)

Gaynor Pilkington
The Pilks Real Estate
1768 Pleasant Valley Rd
Placerville, CA 95667
530 306 3980
530 622 2286
ThePilks@GMail.com

We strive to give you the best service and help you find your dream home. Members of our team have over 40 years experience as a Real Estate Attorney / Developer.

MLS REALTOR


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