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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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Q	What structure is regarded as the best surviving example of Pennsylvania Dutch architecture?
A	The Georg Muller House in Milbach, PA, built in 1752.
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Robert Chestnut, REALTOR®, real estate agent and broker for Brockton, Easton and Raynham, Massachusetts home listings, property and land for sale - NUMBER1EXPERT(tm)

Robert Chestnut
Keller Williams Realty
574 Washington St
Easton, MA 02375
508-294-0281
Fax: 508-445-8181
RobertChestnut@NUMBER1EXPERT.Com

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