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Buyers Remorse >First Time Loans
Most first-time buyers can qualify for a mortgage loan, but they may need help from parents to make the down payment or closing costs on their home. There are loan programs that minimize the down payment and closing costs for first-time buyers. These programs usually require that 3 to 5 percent of the purchase price come from the buyers' funds, not from a loan or gift. Most lenders ask for the last three months' bank records. The borrower will be asked to reveal the origin of any large deposits. If the money comes from the homebuyer's parents, the lender may not consider those funds when qualifying the buyers.
Parents who are planning to help their children finance a home should transfer any funds several months before the house-hunting process begins. If it is a loan rather than a gift, a formal re-payment agreement should be drawn up between parents and children to eliminate potential misunderstandings or future complications with either estate.
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Who is the world's richest living person?
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William H. Gates, III, Chairman of Microsoft Corporation, whose wealth was estimated at $46.6 billion in 2004.
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Johna Walker Walker Real Estate Team 854 Missouri Ave St. Robert, MO 65584 Mailing Address: PO Box 264, Waynesville, MO 65583 573-433-1091 Rentals/ Office: 573-336-4100 Fax: 866-634-9994 Office: teamwalker@thearmywives.com
An active duty military spouse with over twenty-three years of relocation experience to assist families relocating to the Ft. Leonard Wood area. Always training and always educating to stay at the top of the real estate industry to provide her clients with state of the art service to buy and sell their homes. Whether you're moving from Alaska, South Korea, or Kansas, she has truly "Walked in your shoes" 
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