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First Time Buyers >More Down Payment Help

One of the most common deterrents to first-time home buyers is the lack of a down payment. However, the home loan industry has practically re-created itself in the last ten years, making it easier than ever to obtain a mortgage, and new mortgage programs are always cropping up.

Some states sponsor loan programs that allow buyers to purchase a home without putting any money down. A parent or other relative can guarantee repayment of ten percent of the loan if the buyer defaults. The only cash needed is for the closing costs, which typically run about three percent of the loan. Parents can also give their children down payment help through a personal note or second trust deed. The terms can be set up for monthly payments or annual payments amortized over a period of time. You could pay the interest only, and have the payoff due when the property is sold.

With so many alternatives, doesn't it make sense to call your real estate agent for a free consultation? You may be closer to home ownership than you think.

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Q	Nearly every state has a mandate for seller disclosure. What must a seller disclose?
A	The seller must disclose any existing problems, defects or conditions that could affect the value of the house.
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Peggy Elias, REALTOR®, real estate agent and broker for Phoenix, Glendale and SurpriseArizona home listings, property and land for sale - NUMBER1EXPERT™

Peggy Elias
Real Living Property for You
7337 W. Bell Rd
Peoria
AZ, 85382
Direct: 602-670-8496
Office: 623-435-0447
Fax: 623-505-9959
Email: peggyelias@NUMBER1EXPERT.com
I value my clients highly and take great pride in offering top-quality real estate services with a commitment to excellence.
Service with integrity and a smile!
Our success is due to our team effort working together for a common goal - helping you achieve your goal.
Buying or selling your home is a big decision, and I know you have a choice of Realtors. I would like to be your Arizona real estate agent of choice. I want to be the Arizona Realtor who becomes your trusted advisor not just for now, but for the future also....Please call today so that together, we can determine your unique situation and home buying or selling needs. I want to help you to make your move happen smoothly and with the confidence and knowledge that you have a top Arizona agent working with you.
You will find you save both time and money by working with an agent with the experience to negotiate a great deal on your new home.

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