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Val and Jim Murrey
Windermere Real Estate / Orcas Island
217 Main Street
Eastsound, WA 98245
Toll-Free Phone:
800-842-5770
Phone:
360-376-8000
Cell:
360-317-7535
Fax:
360-376-5637
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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 classic 1932 movie scene was filmed between 923 and 935 Vendome Street in the Silver Lake district of Los Angeles?
A	Laurel and Hardy tried to lug a heavy piano up a really long outdoor stairway in "The Music Box."
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Val and Jim Murrey, REALTORŽ, real estate agents and broker for Orcas Island, San Juan County and Shaw Island Washington home listings, property and land for sale - NUMBER1EXPERT(tm)

Val and Jim Murrey
Windermere Real Estate / Orcas Island
217 Main Street
Eastsound, WA 98245
Phone: 800-842-5770
Phone: 360-376-8000
Cell: 360-317-7535
Fax: 360-376-5637
info@OrcasIslandProperty.com
We provide professional real estate services on Orcas, Shaw and Lopez Islands in the heart of the Pacific Northwest's San Juan Islands. Whether it's a waterfront or view home for retirement, permanent residence, vacation or income property; land on which to build your cottage by the sea; a real estate investment or business opportunity--we can help you find it through our knowledge of and access to all local listings.

OrcasIslandProperty.com is brought to you by Val and Jim Murrey
NUMBER1EXPERTS™ in real estate for Orcas Island, San Juan County and Shaw Island, Washington, waterfront properties, investment properties

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