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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 are the characteristics of classic Queen Anne architecture?
A	Queen Anne homes are the most elaborate, romantic and feminine of all Victorian Homes.
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Brian Young, REALTORŽ, real estate agent and broker for Scottsdale, Paradise Valley and Phoenix Arizona home listings, property and land for sale - NUMBER1EXPERT(tm)

BRIAN YOUNG - Branch Owner / Manager
DOMINION REAL ESTATE PARTNERS, LLC
7579 E. Main Street Suite 700
SCOTTSDALE
Arizona 85251
Office: (480) 990 - SOLD (7653)
Direct Line: (602) 405-3949
Toll Free: (800) 520-6692
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Brian@ScottsdaleHomeGuide.com
Welcome, and thank you for visiting my web site. Whether you are looking to BUY or SELL real estate in Phoenix, Scottsdale, Carefree, Cave Creek, Paradise Valley, Fountain Hills or the greater East Valley, please contact me for the most up to date information and advice regarding HOMES, BUILDING LOTS, NEW CONSTRUCTION, GOLF COURSE PROPERTIES, LUXURY HOMES, GATED COMMUNITIES, HORSE PROPERTIES and RELOCATION. I am fully commited to providing superior real estate services to my clients.

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