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How Can We Ever Thank You...
"How can we ever thank you?!? Your dedication to us not only as homeowners but as friends in need has shown the depth of your character & brilliance of your gold heart". "Thank you for your enthusiasm in selling our home, guidance in the process & support in our decisions. We would never have survived it or masde such a profit without your experience"! "God bless you, Frank and hear our gratitude for you". Sincerely, Heather & Brian Kerzetski
"Heather & Brian Kerzetski"
You have a story to tell about me. You've worked with me, and I've helped you buy or sell a home. I need your feedback. Others need your feedback, too! Please take a moment to fill out this form and tell me how I did... 
Financing Your Home >They Said Yes
Applying for a mortgage loan brings out the paranoia in everyone, even those who are most compulsive and consistent about paying their bills on time. Remember that the lender wants your business and will do everything possible to help finalize your home purchase.
There will be nothing to worry about if you have paid your bills more or less on time. If you have a record of late payments but no serious credit problems, you may have to provide the lender with a written explanation of why certain payments were late. The loan approval may depend on whether or not the excuses are reasonable. Your lender can probably help you work things out if your problems are not serious. If your credit problems are serious, it will help to sit down with a lender even before you begin house hunting.
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- NUMBER1EXPERT™ 
