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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	What is considered the primary factor distinguishing buyers of prestigious properties from the average home buyer?
A	Financing doesn't worry these buyers; they often put down 40 percent or more or pay cash for a property
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Jim Stevenson, REALTOR®, real estate agents and broker for Orlando, Longwood and Seminole County Florida home listings, property and land for sale - NUMBER1EXPERT(tm)

Jim Stevenson
Realty Executives Orlando
2015 West SR 434
Longwood, FL. 32779
Phone: 407-617-9390
Toll Free: 800-600-1178
Fax: 407-478-2071
Email: Jim@JimStevenson.com
As the preeminent real estate professionals in our community, We are dedicated to providing the finest service available while breaking new ground. Because the real estate industry is becoming more sophisticated and challenging every day, you need professionals that understand the industry and are positioned to stay ahead of the game. We go the extra mile to help you achieve your goals. That's why we constantly research the market and property values so your home is priced effectively from day one. We also make sure the public knows your home is for sale by using innovative advertising and marketing techniques to attract potential buyers.

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