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Foreclosure Solutions
What You Need to Know About Foreclosure and Short Sales
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Get Free O'Fallon, Shiloh and Belleville Area School Reports From Local Experts, Quickly by Email Everyone offers free school reports. We do too! Plus we offer more. As O'Fallon, Shiloh and Belleville real estate agents, we can tell you things about the schools that no report generated by a computer will ever know. Remember, we consult with people moving to the O'Fallon, Shiloh and Belleville, Illinois area on a daily basis. It's our job to know, and our job to tell you. Call us for a first-hand experience of the local schools. Or fill out this form to send us a message right now. It's free and without obligation. We'll get back to you immediately with a phone call, a free report, or a brochure from a local school... What ages are your children? We'll tell you what your choices are for schools in the O'Fallon, Shiloh and Belleville area. It's our job to help! There's no obligation, and we promise to get back to you quickly... 
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 home is the best example of colonial architecture in homes designed to "grow" as the family grew?
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| A |
The House of the Seven Gables in Salem, MA, that was the model for Nathaniel Hawthorne's novel of the same name. |
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