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All agents are NOT alike! Find out why we're top real estate experts. E-mail us kay.townend@pdq.net.
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Buyers Want Your Home for as Little as Possible.
Are you thinking of selling your home? You should know exactly what it's worth before making such an important decision.
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The Kay Townend Team are some of The Top
Selling Real Estate Experts™
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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 service to them. Their feedback is so important! Here are a few highlights of what people are saying about us...
Accomplished
"...drawbacks into potential assets."
Dr. J Hewitt
First home purchase
"...you always made us feel like we were the highest priority...."
Heather, Lindsay & Keith
Real"tor" praise
"...service to sellers & buyers as top priority..."
Jacque Kendrick, Vice President
Smoother
"It went smoother with all of your help"
Ione & David Hernandez
Wonderful experience
"Everything was handled and communicated really well throughout the process."
Aklank Shah
You have a story to tell about us. You've worked with us, and we've helped you buy or sell a home. 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 is considered to be one of the soundest long-term investments?
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| A |
Real estate has a long-term record of strong investment return and is a driving force of the national economy.
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 See More Real Estate Trivia > |
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- NUMBER1EXPERT™ 
