"Very friendly and knowledgeable" "Don went out of his way to make us feel more at ease and kept us informed at all times. Thanks again, we love our new home!" Chris Marshall & Jeff Donovan, Huber Heights, Ohio Read Quote > View All Quotes >
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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.
Cyndi Shurts and Donald E. Shurts Jr. RE/MAX VICTORY 51 Plum St., suite 220 Beavercreek, OH 45440 Toll Free: 1-888-278-0295 Cyndi's Direct : 937-604-5194 Don's Direct: 937-241-2124 Toll Free Fax: 1-888-602-8133 Don's Email: Don@WelcomeHomeDayton.com Cyndi's Email: Cyndi@WelcomeHomeDayton.com
Cyndi & Don Shurts have created a reputation of outstanding service and attention to details with past home buyers and sellers, other Dayton Realtors, and real estate service providers in the Dayton area. Miami Valley Dream Homes & RE/MAX Victory at The Greene provide unmatched, cutting edge tools and technologies to accomplish specific goals for our real estate clients, both buyers and sellers. This team provided many free services beyond the standard real estate agent. They are home staging experts, extensive internet marketing experts, Short Sale experts and new construction specialists. Cyndi and Donald Shurts are members of the National Association of Realtors (NAR),Ohio Association of Realtors, and the Dayton Area Board of Realtors. This Dayton Ohio real estate team will SAVE you TIME & MONEY in buying or selling a home. See the dozens of testimonials from past clients. Past Client phone numbers available upon request.
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Kettering, Beavercreek, Springboro and Dayton, Ohio