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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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Real Estate Trivia
Q 
What is the world's most capacious building?

A 
The Boeing Company's main aircraft assembly plant in Everett, Washington, has been expanded to a capacity of 13.4 million cubic meters, or 473 million cubic feet.
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The Curtis Team, REALTOR®, real estate agents and broker for South St. Louis County, Arnold and Jefferson County Missouri home listings, property and land for sale - NUMBER1EXPERT(tm)

Jan Curtis & The Curtis Team
Coldwell Banker Gundaker
1925 Richardson Road
Arnold, Mo 63010
Jan's Cell: 314-952-4663
Kim's Cell: 314-952-7001
Email: jcurtisre@aol.com
Email: jcurtis@thecurtisteam.com

Jan Curtis and The Curtis Team is your Jefferson County and South St Louis County Real Estate experts! We've helped hundreds of Families buy & sell Homes since 1984! With nearly thirty years experience in our area and hundreds of satisfied customers, we will professionally handle all your Real Estate needs!

GRI ABR CRS REALTOR MLS Equal Housing


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