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Mary O'Connor, REALTORŽ, real estate agent and broker for Lincoln City, Newport, and Toledo Oregon home listings, property and land for sale - NUMBER1EXPERT(tm)

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School Reports in Lincoln City, Newport, and Toledo, Oregon

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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 one of the most common ways for making the interior of a home more appealing to buyers?
A	Repainting walls with light, neutral colors makes it easier for a buyer to visualize how the home will look with their possessions.
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Mary O'Connor
Coldwell Banker Gesik Realty, Inc.
1815 NW HWY 101
LINCOLN CITY, OR. 97367
541-994-7760
800-959-7760
541-921-0832
Fax: 541-994-9582
Email: maryohomes@NUMBER1EXPERT.com

I have been selling Real Estate in Lincoln County since 1992. The opportunity to meet new people and to make so many new friends has been the absolute best part of my job. Let me put my many years of expertise and knowledge to work for you! Mary O'Connor

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