Your Power Team at Long & Foster
We put the full power of the largest Real Estate
Company in the mid-Atlantic region, on your side 
Ginger and Hal are some of the
top selling Real Estate Experts
Find out more 
BUYING - SELLING - RENTING
OUR WEBSITE IS WHERE YOUR SEARCH BEGINS AND ENDS Our PowerTeam covers the entire state of New Jersey and we personally work in Burlington, Camden & Gloucester Counties. Our team of NUMBER1EXPERTS, working under our supervision, services the other counties. *IN ADDITION, HAL STARK IS LICENSED IN PENNSYLVANIA TO HANDLE OUR RELOCATION BUSINESS. Our Team prides it self in providing you with friendly, efficient and professional service We supply all the tools and information needed to make intelligent and informed life decisions, and take our responsibility to you very seriously.
We Respect Your On-line Privacy -
When you are ready, feel free to E-mail or call us to request an appointment, ask any questions, or tell us where you'd like to live and your specific requirements. Our web site is yours to use 24/7, and we are available to speak with you seven days a week.
| PRIVACY POLICY: Your privacy is important to me. I never sell trade or share your personal information with any third party or organization, and only I will contact you in response to this request. If you provide a telephone number, you give express permission for me to call you, even if your phone number is on a state or national "Do Not Call" list. |
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 least affordable metropolitan housing market in the United States?
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| A |
California's Los Angeles-Long Beach-Glendale is currently rated as the most expensive metro area in the nation. |
 See More Real Estate Trivia > |
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Ginger Belland and Hal Stark
Long and Foster Real Estate
1450 Route 70 East
Cherry Hill, NJ 08034
856-857-2157
hal.stark@lnf.com
ginger.belland@lnf.com
First time home buyers, first time home buyers, first time home buyers, first time home buyers,
first time home buyers, first time home buyers.
Active Adult Communities 55 and over, Active Adult Communities 55 and over, Active Adult Communites 55 and over. Military relocation, military relocation, military relocation.
   
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