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Welcome to Pat Hill's Dyer, Schererville and St. John Real Estate Website

Welcome! Here You Can Find Great Information on Dyer, Schererville and St. John, Indiana and all of N.W. Indiana Real Estate including Lake & Porter Counties.

Looking for homes? Search everything the web has to offer, right here! Don't miss my Feature Homes.

Need local real estate information? I've summarized much of what is important about the Dyer, Schererville and St. John real estate market in this site.

Need expert advice? No web site, large or small, can take the place of a top real estate agent. Not even mine! This site is filled with ways that you can contact me for one-on-one expert help and advice. That's my job.

Contact me with confidence! I guarantee your privacy will be respected. And I offer the services on this site for free and without obligation. Why? I want to be YOUR real estate agent. As your trusted, professional real estate partner, I will help you find the best home in your area within your price range. And together we will sell your home, for as much as the market will bear, and as quickly as possible.

Buying and selling a home is one of the biggest events in your life. As a top Dyer, Schererville and St. John real estate agent, I have the experience and track record you are looking for. Please let me help.

- Pat Hill

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 the role of the U.S. Housing Authority?
A	Created in 1937 by FDR, the U.S. Housing Authority provides construction loans to small communities and states.
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Pat Hill, REALTOR®, real estate agent and broker for Dyer, Schererville and St. John Indiana home listings, property and land for sale - NUMBER1EXPERT(tm)

Pat Hill
McColly Real Estate
850 Deer Creek Drive
Schererville, IL. 46375
Phone: 219-742-8825
Email: phill@NUMBER1EXPERT.com

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