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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 is the average age range of a second-home buyer in the United States?
A	Currently, second-home buyers in America are most often between 41 and 44 years of age.
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Jim Wilson, REALTOR®, real estate agent and broker for Ocean City, MD, Ocean Pines, MD and Bethany Beach, DE home listings, property and land for sale - NUMBER1EXPERT(tm)

Jim Wilson
Coldwell-Banker/Bud Church Realty
7806 Coastal Highway
Ocean City
MD 21842
Office: 1-800-851-7326
Cell Phone: 410-251-4486
Fax: 410-524-1837
jimandjim@NUMBER1EXPERT.com
Jim Wilson has vacationed in the Ocean City area since 1974. He attended Salisbury University and graduated with a Bachelor of Arts degree. While living on the Eastern Shore since 1997 Jim was recently appointed to the Worcester County Building Code Appeals Board. With the knowledge of the area and enthusiasm of real estate working with me you will have one of the finest realtors on your side.

www.LivinginOceanCity.com is brought to you by Jim Wilson
NUMBER1EXPERT™ in real estate for Ocean City, MD, Ocean Pines, MD and Bethany Beach, DE

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