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If you wish to buy a home but consider yourself incapable of getting credit, you may be living in the past in terms of assessing your financial situation. Lenders have become more flexible in underwriting mortgage loans.

A recent survey of mortgage lenders revealed some interesting trends. Ninety-six percent of those surveyed had cut their standard down payment requirements for moderate-income buyers, and 93% said they are more lenient regarding debt-to-income-ratios. Ninety-four percent of those surveyed said they now have more flexible approaches to credit histories, and look at rent and utility payments more than credit cards. Seventy-nine percent of lenders say they have relaxed employment criteria. They now look more at your capacity to generate a stable flow of income rather than requiring a long history at one job.

There are more lenders today, and they are in fierce competition with each other. The home loan industry has created entire markets that cater to those with less-than-perfect credit.

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Celeinne and The Ysunza Home Team
Avalar® RE&Mtg.Ntwk.,Estates of Monterey County
3146 Ocean Terrace
Marina, CA 93933
Tel: 831-422-9103
Tel: 831-262-8821
Fax: 831-384-3402
Email: celeinneiysunza@NUMBER1EXPERT.com

Profile of The Ysunza Home Team

Over 25 years ago Celeinne began to follow a passion to help other people fulfill their dreams of owning a home. She understands that, regardless whether it is a modest condo or a magnificent luxury estate, her client’s home is a valuable 24-karat component of their life.

Celeinne’s many years as an onsite new homes subdivision sales manager has enriched her life through the introduction of and interaction with a variety of cultures and the unique ways in which to approach the negotiation process. The basic principles of how to prepare a home for presentation to the public are second nature to Celeinne.

We realize that our clients are our most valuable resource who deserve the best, beginning with the initial interview, suggestions on preparing your home for showing, negotiating the contract to closing the escrow. Each professional Team Member at AVALAR® RE&Mtg.Ntwk., Estates of Monterey County becomes a co-partner within a system that provides the opportunity for vested revenue sharing.

Whether you are thinking of buying or selling your home in the Monterey County area, or need professional guidance in the marketing and sales of your subdivision, let us share with you how our high tech, high visibility and personal concern are your winning assets. We honor the opportunity of working with you.

The Ysunza Home Team
Avalar RE&Mtg.Ntwk., Estates of Monterey County
Phone: 831.422-9103 X101 Fax: 831.384-3402.

The data relating to real estate for sale on this website comes in part from the Broker Listing Exchange Program of the REInfoLink(TM) MLS System. Real estate listings held by brokerage firms other than Avalar R.E.&Mtg. Ntwk., Estates of Monterey County, are marked with the Broker Listing Exchange icon. Detailed information about them includes the listing brokers/agents.

The data from other BLEPs is deemed reliable, but not guaranteed and is subject to change. Interested parties to confirm all information before relying on it for a purchase decision. This data is updated weekly on Sunday nights. Some properties appearing for sale on this website may subsequently have sold and may no longer be available.

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