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All agents are NOT alike! Find out why we are #1 Experts! Sam Cachola, Owner/Agent703/785-1158Linda Dinsmore, Agent/Team Leader: 540/295-6416
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I add my newest homes and other real estate listings to this web site first. It can be some time before they appear in the MLS.
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Welcome - Get the best real estate listings & homes for sale, expert advice, local info, and much more from Preferred Real Estate Services, a proven Fredericksburg, Stafford and Spotsylvania, Virginia NUMBER1EXPERT™ Top Selling real estate agent. Find Fredericksburg, Stafford and Spotsylvania Homes - Find Fredericksburg, Stafford and Spotsylvania, Virginia real estate listings & homes for sale provided by Preferred Real Estate Services, your local expert real estate agent. For Home Buyers - Get home buying information, the latest listings, mortgage informaiton, expert advice, and much more from Preferred Real Estate Services, a proven Fredericksburg, Stafford and Spotsylvania, Virginia NUMBER1EXPERT™ Top Selling real estate agent. For Home Sellers - Get home selling information, fsbo information, expert advice, find out what your home and other homes in your neighborhood are selling for, and much more from Preferred Real Estate Services, a proven Fredericksburg, Stafford and Spotsylvania, Virginia NUMBER1EXPERT™ Top Selling real estate agent. Fredericksburg, Stafford and Spotsylvania Information - Find local information on Fredericksburg, Stafford and Spotsylvania, Virginia including schools reports, local maps and links, things to do, area photos, and relocation information. Local information provided by Preferred Real Estate Services, a proven NUMBER1EXPERT™ Top Selling real estate agent. Real Estate Resources - Find real estate related resources including real estate news, tips, dictionary, trivia, mortgage calculators and information, local real estate related services, and much more from Preferred Real Estate Services, a proven Fredericksburg, Stafford and Spotsylvania, Virginia NUMBER1EXPERT™ Top Selling real estate agent. About Preferred Real Estate Services - Information about Preferred Real Estate Services including testimonials, guarantees, credentials, and contact information. Learn why Preferred Real Estate Services is a proven Fredericksburg, Stafford and Spotsylvania, Virginia NUMBER1EXPERT™ Top Selling real estate agent. 
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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 |
Where will you find the world's most unusual golf course?
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| A |
The only golf course on the island of Tonga has 15 holes, and no penalty against the golfer whose golf ball is stolen by a monkey. |
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