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Specializing Buyer Broker Representation at No Charge to Buyers. Have a Professional Broker at your disposal--Hire Richard Martin!
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A Most Dedicated Individual
I have and will continue to recommend Richard Martin to anyone seeking to buy or sell a home, he's the greatest!
Lynna Young
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Palm Springs, Palm Desert, and La Quinta Weather
Let?s face it--the phrase ?We enjoy four full seasons? is often a euphemism for ?Br-r-r-r! It is cold and snowy in the winter.? We don?t know about you, but we can live without that! If we want snow, we will travel to a ski resort! Here in the Palm Springs, Palm Desert, and La Quinta area we are blessed with a climate that is warm enough to enjoy the great outdoors almost year round. Although we do have a winter, it is relatively short and mild. Mostly our area is known for warmth and sun. Feel free to peek at our local forecast via the web site featured on this page. Request our Free Palm Springs, Palm Desert, and La Quinta area Relocation Package. It's packed full of useful and important information. Don't move here without it! Remember: we'll send it to you for free and without obligation. Just fill out the form and we will send it right out...
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Palm Desert, and La Quinta Weather Reports Here |
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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 little-known folk remedy is said to help keep bats away from your home?
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| A |
According to some rural homeowners, if you tar and feather a two-by-four board and place it in your yard, it will ward off bats! |
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- NUMBER1EXPERTS™ 
