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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	What home product makes lawn mowing easier than ever?
A	The Robomow, a robot lawn mower manufactured in the UK by Friendly Machines, can cut 6,000 square yards of lawn all by itself.
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Ronni Land, REALTORŽ, real estate agent and broker for Las Vegas, Henderson and Summerlin Nevada home listings, property and land for sale - NUMBER1EXPERT(tm)

Ronni Land
Ronni Land, Broker
9505 Hillwood Dr. Suite 100
Las Vegas, NV. 89134
Local: (702) 395-7435
Email: RonniLand@NUMBER1EXPERT.com
Ronni will gladly represent you in the purchase of any home or real estate in the Las Vegas area, including Summerlin, Anthem, Red Rock Country Club, Siena, Sun City, Turnberry Place, Southern Highlands, Mountain's Edge, Green Valley and Henderson. Specializing in Buyer Representation for over 20 years...she would love to help you find your Las Vegas dream home at an affordable price and add you to her real estate family. Whether you are seeking a Las Vegas family home, luxury estate or compact condo, NEW HOME or RESALE, Ronni and you will find your perfect Las Vegas home together. Ronni represents YOU, the Buyer - the Seller or Builder pays her commission. When you work exclusively with Ronni, you get the benefit of her knowledge, experience and professionalism. AT NO COST TO YOU.

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