• Welcome - Get the best real estate listings & homes for sale, expert advice, local info, and much more from The Ruby Darr Team, a proven York, Dallastown and Shrewsbury, Pennsylvania NUMBER1EXPERT™ Top Selling real estate agent.

• Find York, Dallastown and Shrewsbury Homes - Find York, Dallastown and Shrewsbury, Pennsylvania real estate listings & homes for sale provided by The Ruby Darr Team, your local expert real estate agent.

• For Home Buyers - Get home buying information, the latest listings, mortgage informaiton, expert advice, and much more from The Ruby Darr Team, a proven York, Dallastown and Shrewsbury, Pennsylvania 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 The Ruby Darr Team, a proven York, Dallastown and Shrewsbury, Pennsylvania NUMBER1EXPERT™ Top Selling real estate agent.

• York, Dallastown and Shrewsbury Information - Find local information on York, Dallastown and Shrewsbury, Pennsylvania including schools reports, local maps and links, things to do, area photos, and relocation information. Local information provided by The Ruby Darr Team, 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 The Ruby Darr Team, a proven York, Dallastown and Shrewsbury, Pennsylvania NUMBER1EXPERT™ Top Selling real estate agent.

• About The Ruby Darr Team - Information about The Ruby Darr Team including testimonials, guarantees, credentials, and contact information. Learn why The Ruby Darr Team is a proven York, Dallastown and Shrewsbury, Pennsylvania NUMBER1EXPERT™ Top Selling real estate agent.

Please Sign Up For The Latest Listings and the Latest Real Estate News

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. See All Tips In The "Financing Your Home" Category > See Complete Library Of Hundreds Of Tips In 30+ Categories >

Q  What does the common acronym FSBO (pronounced fizzbo) stand for? A  For Sale By Owner. (Between 85 to 95% of existing homes are sold with a Realtor's help.) See More Real Estate Trivia >

See the nation's top rated reports for Schools in York, Dallastown and Shrewsbury >

Get Our Latest Listings Before Anyone Else! As soon as I list another home for sale, I'll email you. You'll know first. Name: Email: Find Out More >

Get the Latest Real Estate News, Hot Off the Presses! If you are buying or selling a home, you need our eNewsletter. Name: Email: Why Sign Up? > Go To eNewsletter > See Today's News >