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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 does the term Curb Appeal mean?
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| A |
This term describes how homes look from the street; this first impression is very important to prospective homebuyers. |
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Nathan Kaul
The Kaul Group
25 Highland Park Village #100-503
Dallas, TX 75205
469-774-0693
Fax: 214-239-2802
Nathan@TheKaulGroup.com
In today's marketplace, success is determined by results and relationships are the cornerstone of a successful Real Estate transaction. Communication, Vision, and Experience. Nathan Kaul and The Kaul Group.
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