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Real Estate Tips
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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The United States government, with holdings of 728.8 million acres of land.
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Judy Copple Team, REALTOR®, real estate agent and broker for Georgetown, Round Rock and Cedar Park Texas home listings, property and land for sale - NUMBER1EXPERT(tm)

Judy Copple Team
Keller Williams Realty
1614 Williams Drive
Georgetown, TX. 78628
512-864-2500
512-439-3700
512-422-2613
Fax: 512-864-2502
Email: judycopple@NUMBER1EXPERT.com

Over 30 wonderful years of uniting buyers and sellers of Real Estate and repeatedly honored as one of The Austin Business Journal's "Top 50" Realtors. My own team of professionals will make your real estate experience a great one.

Equal Housing MLS REALTOR


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

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