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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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Where would you go to visit the largest ancient castle in the world?
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You would travel to Prague, Czech Republic, to see the Prague Castle, built in the 9th century, with a total surface area of 18 acres. |
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Pat Berzanski, ABR, ASP, GRI
Weichert Realtors
142 Main Street
Chester, NJ. 07930
Cell: 973-713-4795
Office: 908-879-7010 ext. 141
Cell: 973-713-4795
Fax: 908-879-2015
Email: patberzanski@optonline.net
email: realtor2@mindspring.com
I am an 20 year veteran in the real estate industry working full time for my clients. My expertise lies in the areas of relocation and residential real estate. I am a member of the Million Dollar Sales Club at the silver level as well as a member of Weichert Realtors President's Club - the top 1% of the company in sales. All my clients are afforded the highest degree of confidentiality in all transactions, and I am available 7 days a week for your convenience. I am looking forward to hearing from you and helping with your real estate needs.    
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