Everything you need to know about buying or selling a home can be found here on my Web site! As the preeminent real estate professional in my community, I am dedicated to providing the finest service available while breaking new ground.

Because the real estate industry is becoming more sophisticated and challenging every day, you need a professional that understands the industry and is positioned to stay ahead of the game.

I go the extra mile to help you achieve your goals. That's why I constantly research the market and property values so your home is priced effectively from day one. I also make sure the public knows your home is for sale by using innovative advertising and marketing techniques to attract potential buyers.

If you're thinking about applying for a home loan this year, here's some important news: Beginning June 1, your lender is likely to order a second full credit screening immediately before closing. The last-minute credit report will be designed to find out whether you've obtained, or even shopped for, new debt between the date of your loan application and the closing. If you've made applications for credit of any type, for furnishings and appliances for the new house, a car, landscaping, a home equity line, a new credit card, the closing could be put on hold pending additional research by the lender. If you've taken out new loans that are sizable enough to affect the debt-to-income ratio calculations used in your original loan approval, the deal could fall through. The added debt load could render you ineligible for the loan because you suddenly appear unable to handle the payments without a strain on your household budget. Fannies so-called 'loan quality initiative' will require lenders not only to pull two credit reports for each transaction but to perform additional verifications of borrower occupancy plans for the property, Social Security numbers and Individual Taxpayer Identification Numbers, among other changes. Source: Los Angeles Times.

For all your real estate needs in the Cape Elizabeth coastal area, call or email me today! Thomas M. Tinsman Owner/Broker (207) 799-2244 ttinsman@maine.rr.com