With the tightening of the lending, mortgage companies are still willing to lend a potential home buyer money but home buyers must be prepared to offer up everything asked for including their first born.
All joking aside, the mortgage companies are making sure every "i" is dotted and every "t" is crossed. If there is a possibility that they want to sell the mortgage, they want to make sure that there is no reason for it to be denied.
As a result, the mortgage companies are looking more carefully at gift's from a 3rd party (they may require that it be a family member) as well as appraisals and FHA Inspections/guidelines.
Even so, Lehigh Valley Home Buyer's are still getting Pre-Approved for the mortgage, looking for and purchasing homes.
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