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Experienced. Hardworking. Fulltime. From left to right, Dottie (agent) and Jen (marketing). Call DOTTIE @ 601-606-0178!
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Welcome - Get the best real estate listings & homes for sale, expert advice, local info, and much more from DOTTIE AND COMPANY, a proven Hattiesburg, Oak Grove and Petal, Mississippi NUMBER1EXPERT™ Top Selling real estate agent. Find Hattiesburg, Oak Grove and Petal Homes - Find Hattiesburg, Oak Grove and Petal, Mississippi real estate listings & homes for sale provided by DOTTIE AND COMPANY, your local expert real estate agent. For Home Buyers - Get home buying information, the latest listings, mortgage informaiton, expert advice, and much more from DOTTIE AND COMPANY, a proven Hattiesburg, Oak Grove and Petal, Mississippi 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 DOTTIE AND COMPANY, a proven Hattiesburg, Oak Grove and Petal, Mississippi NUMBER1EXPERT™ Top Selling real estate agent. Hattiesburg, Oak Grove and Petal Information - Find local information on Hattiesburg, Oak Grove and Petal, Mississippi including schools reports, local maps and links, things to do, area photos, and relocation information. Local information provided by DOTTIE AND COMPANY, 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 DOTTIE AND COMPANY, a proven Hattiesburg, Oak Grove and Petal, Mississippi NUMBER1EXPERT™ Top Selling real estate agent. About DOTTIE AND COMPANY - Information about DOTTIE AND COMPANY including testimonials, guarantees, credentials, and contact information. Learn why DOTTIE AND COMPANY is a proven Hattiesburg, Oak Grove and Petal, Mississippi 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 |
What are considered the ideal conditions for a seller's market?
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| A |
In a seller's market, prices are firm and good houses are sold before advertised or as soon as they show up in the MLS. |
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