Read What People Are Saying About Me I always ask my clients to write or email me, and tell me truthfully how they appreciated my service to them. Their feedback is so important! Here are a few highlights of what people are saying about me...
"Ferne showed us all the houses we requested to see."
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 >Lenders Want to Say Yes
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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Where is the world's largest bridge located?
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| A |
Lake Pontchartrain Causeway at New Orleans, Louisiana is the world's largest bridge. It is almost 24 miles long. |
 See More Real Estate Trivia > |
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Ferne Silberman
Prudential Homesale Services Group
65C E. Main Street
Mount Joy, PA 17552
Direct: 717-653-2374
Office: 717-653-2646 x 102
Fax: 717-653-4797
FerneSilberman@NUMBER1EXPERT.com
WELCOME to your one-stop source for real estate services covering the Mount Joy, Elizabethtown, and Lancaster areas.
Here you will find everything you need to buy or sell a home, as well as learn about the market value of homes you may own in the area.
It is my goal to provide you with superior service at all times.    
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