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Welcome > Agent Info > About Dava Royer ...
I am a lifetime resident of Bellefontaine. I graduated from Bellefontaine High School and attended Urbana University. I obtained my real estate license in 1983 and Broker's license in 1988. Royer Realty was formed in June of 1988. Consistently since 1993, I have been a recipient of the Ohio Association of Realtors' Presidents Sales Award. I was also voted Logan County Realtor of the Year twice by my peers. I annually attend the National Association of Realtors Convention to keep abreast of changes in the real estate industry and the latest technology used in our profession. In addition to the annual convention, I try to attend the Certified Residential Specialists aunnual Sellabration along with the top Realtors from all over the United States. I love to golf and spend time at The Villages in Florida. I am also active in the First United Methodist Church and the restoration of the Holland Theatre in Bellefontaine.
*To e-mail me directly: dava@royerrealty.com
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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 |
In what area of the United States did the price of existing homes increase most dramatically in 2005?
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| A |
Phoenix, Arizona real estate recorded a 55.2 percent increase in home prices during 2005. |
 See More Real Estate Trivia > |
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