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Please call me: 301-548-0999, or e-mail me: lisaapatterson@aol.com
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"Lisa helped us sell and buy a home."
"Lisa is a cut above, a pleasure to work with, and we would recommend her to everyone."
Steve and Susan G., Darnestown, MD
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Hello, and Welcome! Here you will find great information on Washington DC area real estate - Especially the areas of Northwest DC, and Montgomery County Maryland's Bethesda, Potomac, North Potomac, Chevy Chase, Gaithersburg, Germantown, and my home town of Darnestown, Maryland.
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Looking for homes? Search all listed homes for the entire Washington DC area (DC,MD,VA) right here, anonymously, and for free. Don’t miss my featured homes. Need local area information? I've summarized much of what most home buyers are looking for about the areas of Montgomery County and Northwest DC I know best, on this site, including a lot of orientation information you won’t find anywhere else. Need a local real estate expert, to answer questions, or to help you buy or sell a home? Number1Experts are among the top 1% of real estate agents nationwide, and the most experienced and knowledgeable in their localities. Please take a look at the “About Me” page on this site, if you would like more information about my experience and background. This site however is for YOU, and that is what I insist the home buying or selling experience must be about – YOU, and YOUR HOME.
With YOU in mind, I have provided for you here, a free and anonymous information resource, including a listing search (all listings - not just mine), area information, school information, and much more. If you do not find what you are looking for, please contact me – It is my job to help. You’ll find me to be friendly, enthusiastic, and never pushy. I hope you enjoy the site. - Lisa Patterson  |
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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 house is considered to be the first house with running water in America?
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| A |
John Headly's home built in Newport, RI in 1723, was equipped with an underground pipe from the nearby spring.
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- NUMBER1EXPERT™ 
