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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Jeff Johnston
Bradley Real Estate
1701 Novato Blvd., Suite 100,
Novato, CA. 94947
Direct: 415-209-1025
Fax: 415-209-1050
Email: jeffjohnston@NUMBER1EXPERT.com
Email: jeffj4re@pacbell.net
Email: jeffj4re@comcast.net

29 years after selecting real estate as his career, Jeff has earned a reputation as one of Marin's most respected Realtors, by not only his clients, but also his peers. Jeff began his career in 1978, and just 3 years later obtained his California Broker's License. Since the early 1980's Jeff has regularly been among Marin County's Top Producing Agents. In July 2007 Jeff joined his present company, Bradley Real Estate, as a Broker Associate. "My reasons for joining Bradley are simple. They are the North Bay's fastest growing and most innovative residential brokerage. I am impressed that they consistently provide their agents with the best tools and support to position their clients for success." With his former company, Jeff had been his office's #1 producing agent 3 out of the past 4 years (2006, 2005 and 2003)! Jeff was also recognized as a member of his former company's Elite Top Ten, an award bestowed on the company's top ten producers each year. On at least 4 different occasions Jeff has been asked to speak at the Marin Association of Realtors General Membership Meetings to share his secrets of success. With his level of experience, Jeff views himself as a consultant and advocate for his clients, and not so much a sales person. "With 29 years under my belt, I know I can provide people with a lot of information and give them unparalleled service. I treat my clients with the respect and consideration I would want to be treated with." A bit of a fitness buff, Jeff is a former marathon runner turned cyclist. He completed 8 marathons dating back to the late 1970's and early 1980's including Boston (1980). In 2003 through 2006 Jeff completed 5 century rides (100 miles or greater), including the grueling Death Ride (Tour of the California Alps) in July of 2006. Jeff resides in Novato, CA with his wife Christine (Also a Realtor), and their five children, Grace (5), Kathryn (7), Kenny (16), Ryan (19), and Holly (20).

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