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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	On what famous American street can you find the most expensive retail space for rent anywhere in the world?
A	Fifth Avenue, New York City, U.S.A. offers retail space for rent at the rate of $580 per square foot.
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The Jim Mills Team, REALTORŽ, real estate agents and broker for Seacoast New Hampshire and Southern Maine New Hampshire home listings, property and land for sale - NUMBER1EXPERT(tm)

The Jim Mills Team
RE/MAX Coast To Coast Properties
150 Mirona Road
Portsmouth
New Hampshire 03801
888-349-5678 ext 3825
Direct: 603-501-3825
Fax: 603-430-8038
jimmills@NUMBER1EXPERT.com
Jim has been helping families to buy and sell homes on the Seacoast of Maine & New Hampshire for more than 12 years. Jim holds several professional real estate designations and has been named RealtorŽ of the Year twice. Jim is involved in advanced Real Estate training with the top instructors in the nation; this has created a network of the best agents across the U.S., Canada and Australia. So not only can Jim & his team assist with local moves, he can find you agents around the Globe.

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