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Email: awrueda@paragonrealestate.net
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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	How many rooms are there in the U.S. President's primary residence?
A	There are 132 rooms in the White House.
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Anthony Rueda, REALTOR®, real estate agents and broker for Sacramento, Elk Grove and Roseville, California home listings, property and land for sale - NUMBER1EXPERT(tm)

Anthony Rueda
Paragon Real Estate
6929 Sunrise Blvd.
Citrus Heights, CA 95621
Office: 916-870-9821
Fax: 916-676-7290
DRE Lic#: : 01345404
Email: awrueda@ParagonRealEstate.net

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