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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	Where are the highest median price homes in the United States currently located?
A	According to the NAR, the highest median price in the second quarter of 2005 was $726,900 for homes in California's San Francisco Bay area.
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Russell Phillips, REALTORŽ, real estate agent and broker for Round Rock, Austin and Georgetown Texas home listings, property and land for sale - NUMBER1EXPERT(tm)

Russ Phillips
Keller Williams Realty
823 S. Austin Avenue
Georgetown, TX. 78626
512-698-RUSS (7877)
Fax: 512-233-2250
Email: homes@russ-phillips.com
LOVE WHERE YOU LIVE! I do! When you pick an agent, KNOW WHO YOU'RE WORKING WITH! Russ is a member of Austin's "Elite 25" Realtors, has production that would qualify as #13 on the 2009 Austin Business Journal list of Top Producing Individual Real Estate Agents, and has won regional awards from his Board of Realtors and Keller Williams too. WHAT DOES THIS MEAN FOR YOU? It means EXPERIENCE, COMPETENCE, INTEGRITY, and best of all - RESULTS!

Keller Williams real estate and homes for sale in Round Rock, Austin and Georgetown Texas

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