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"Your team always had time for our questions"
Thank you Charlotte, for helping us make great decisions and mostly for getting our home sold within our desired timeframe!
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About Pat Hiban Real Estate Group:
Meet The Team - Information about Pat Hiban Real Estate Group of Glen Burnie, Pasadena and Howard County, Maryland Testimonials - Read what Pat Hiban Real Estate Group's clients are saying about the real estate marketing and services provided. Quick Response Guarantee - A quick response to your email request for more Maryland home buying & property selling information is guaranteed by Pat Hiban Real Estate Group. Privacy Guarantee - This Glen Burnie, Pasadena and Howard County real estate web site will respect your privacy, guaranteed by Pat Hiban Real Estate Group. No Obligation Guarantee - Pat Hiban Real Estate Group's real estate help by email is free & without obligation for Glen Burnie, Pasadena and Howard County home owners in Maryland. For Real Estate Agents - Let Pat Hiban Real Estate Group help you with your professional real estate broker and agent needs in the Glen Burnie, Pasadena and Howard County area. About NUMBER1EXPERTS™ - NUMBER1EXPERTS™ are top real estate professionals, find out more. Contact Information - How to contact Pat Hiban Real Estate Group. Go to Main Sitemap - Main sitemap sections include Find Glen Burnie, Pasadena and Howard County Homes, For Home Buyers, For Home Sellers, Glen Burnie, Pasadena and Howard County Information, Real Estate Resources, and About Pat Hiban Real Estate Group. 
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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 is the world's largest mud building?
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| A |
The Grand Mosque in west Africa measures 328 feet long and 131 feet wide, and has been carefully maintained for centuries by local craftsmen, especially during the rainy season. |
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| Charlotte Savoy |
| Keller Willams Crossroads |
| Two Offices to Serve You |
| Ellicott City, MD and Glen Burnie,
MD |
| Office: 410 766-8000 |
| Fax: 410-766-8005 |
| Charlotte@HibanGroup.com |
Charlotte is a native of Howard County and has lived in Maryland her entire life. She currently lives in Ellicott City with her husband, Ike and their three sons Josh, Jalen and Braeden along with their goldendoodle Maya. Charlotte has been in the customer service arena for her entire adult life. She began her real estate career in 1998 and has rapidly taken on more and more responsibility as opportunities arose. She is an experienced agent, having helped more than 1000 customers with their home sale or purchase. Her knowledge of the market and the customer's needs makes her a very successful agent with many customers that return time and time again. This kind of experience can lead to only one conclusion…painless transactions for her customers!
She is known for her sincerity, professionalism and enthusiasm for the real estate business. From 2004-2007, Charlotte has been the Top Producing agent at The Pat Hiban Real Estate Group. |
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Pat Hiban
Keller Williams Crossroads
Two Offices to Serve You
Ellicott City, MD and Glen Burnie, MD
Office: 410-766-8000
Fax: 410-766-8005
homes@hibangroup.com
Pat was born at Georgetown Hospital and has been a Central Maryland resident since his birth. He is a graduate of Wilde Lake High School and Frostburg State University. He currently lives in Columbia with his wife, Kim; 2 daughters and 2 labradors, Libra and Piper. Pat is an active runner, weight trains and practices Tae Kwon Do. In his free time he enjoys his family and enjoys writing.
We are currently the #2 Team out of 80,000+ agents in the USA! Last year we sold more than $150 Million Dollars in Real Estate, while providing a level of service that is second to none!    
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