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School Reports in Rancho Penasquitos, Mira Mesa and Scripps Ranch, California

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Schools in Rancho Penasquitos, Mira Mesa and Scripps Ranch

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 is the most common name for a city in the United States?
A	Fairview is the most common city name, according to the 1996 Top Ten of Everything Book.
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Tami McCraw, REALTOR®, real estate agent and broker for Rancho Penasquitos, Mira Mesa and Scripps Ranch, California home listings, property and land for sale - NUMBER1EXPERT(tm)

Tami McCraw
Coldwell Banker Residential Brokerage
12036 Scripps Highlands Drive
San Diego, CA 92131
Phone: 619-884-9640
Fax: 858-695-3635
Email: tamimccraw@NUMBER1EXPERT.com

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